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《中华人民共和国保险法》自1995年施行以来,在2002年和2009年经历了两次修订。2009年修订后的保险法对重复保险条款做了相应修订,使之在平衡各方利益的基础上,更适应我国保险事业的需要。然而,必须看到的是,现行法律关于重复保险问题的规定仍然存在不足。本文拟通过对重复保险的一般理论、构成要件、适用范围、解决规则等的论述,结合现行规定,指出这些规定中的不足,并提出粗浅的解决方案。
Since the implementation of the Insurance Law of the People’s Republic of China in 1995, it has undergone two amendments in 2002 and 2009. The revised insurance law in 2009 made corresponding amendments to the terms of double insurance so that it could better meet the needs of China’s insurance industry on the basis of balancing the interests of all parties. However, it must be observed that there are still some deficiencies in the current law on the issue of double insurance. This paper intends to point out the shortcomings in these regulations through the discussion of the general theory, components, application scope and rules of the repeated insurance, and proposes some superficial solutions.