If the subject of insurance is property and related interests, it should include the specific location of the subject, and some also include interest relationships. If the subject of insurance is human life and body, it should also include the gender, gender, and status of the insured. Age, and some also include the insured's occupation and health, depending on the specific insurance type.
The legal significance of taking the subject matter of insurance as the basic clause of the insurance contract is: to determine the type of insurance contract, to clarify the scope of the insurer's liability and the application of insurance law provisions; to determine whether the policyholder has insurable interests and whether they exist Moral hazard; determining insurance value and compensation amount; determining litigation jurisdiction, etc.
The subject of insurance is the object of insurance, including two major categories, one is property and its related interests, and the other is human life and body. The property that is the object of insurance can be tangible, such as houses and cars, or intangible, such as trademark use rights, patent rights, etc. The person who is the subject of insurance refers to a natural person, which can be one person or all the people in a specific group.
The subject matter of insurance directly determines the type of insurance. The value and degree of risk of the subject matter of property insurance directly affect the obligations of the insurer and determine the level of insurance premiums. The subject matter of personal insurance is different (age, occupation of the person). (physical condition, etc.), insurance premiums, and insurance types are also different.
The subject matter of insurance is the main clause of the insurance contract and an important content of the insurance contract. It affects the provisions of the rights and obligations of the insurance contract.