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在伤害保险和健康保险中,保险人给付被保险人保险金时是参照实际治疗所支出的费用来确定最终赔付的金额,这在一定程度上遵循了保险损失补偿原则,为代位求偿权在人身保险中的适用提供了可能。保险人在人身保险中应在多大范围上行使代位求偿权,其计算方法可在一定程度上参考最高人民法院《关于审理人身损害赔偿案件适用法律若干问题的解释》的相关赔偿标准。
In the injury insurance and health insurance, the insurer pays the insured person’s insurance fund with reference to the actual expenses incurred by the treatment to determine the final amount of compensation, which to some extent, follow the principle of insurance loss compensation for subrogation right The application of life insurance offers the possibility. The extent to which the insurer should exercise subrogation rights in life insurance can be calculated by referring to the relevant compensation standards of the Supreme People’s Court on “Interpretation of Several Issues Concerning the Applicable Law in the Trial of Personal Injury Compensation Cases” to a certain extent.