（二）保险利益原则的含义 1、保险利益原则的概念 保险利益原则（Insurable interest Principle）是指投保人必须以其所具有保险利益的标的投保，否则保险合同无效。
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The principle of insurable interest is an institutional sill in insurance, piercing through the establishment, the transfer and the fulfillment of insurance contract.
保险利益原则是保险制度的基石，贯穿于保险合同的成立、转让和履行过程中。
With regard to principle of insurable interest in life insurance, whether it is an effect element of insurance contracts, different scholars have different ide.
第三部分讨论了我国《保险法》关于人身保险利益原则的规定以及保险利益的认定实务，并对此提出了改进相关规定的看法。
It is a pity that our law of admiralty has not provided any principle of insurable interest.
但令人遗憾的是，我国《海商法》对保险利益原则并未加以规定。
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