피보험이익의 본질과 지위에 관한 검토

A Study on the Essence and Position of Insurable Interest

What is insurable interest? There have been plenty of theses publicized on this question so far. Notwithstanding, no specific and unified concept has been established as a single answer, which causes us to interpret it with difficulty. In general, its representative concept has been divided into both relational theory and benefit theory as far as the definition of insurable interest is concerned. In light of relational theory, insurable interest is described based upon relation or interest in which the insured establishes the insurance for certain purpose. On the other hand, in light of benefit theory, insurable interest is deemed as profit or value that the insured has in relation to the objective of insurance. But, up to now, there have not many researches that have made us readers easily access actuality of insurable interest in a more specific way as well as understand what the benefit theory is and what exactly the relation is in relational theory. Accordingly, in this study, in order to let readers easily understand what the essence and position of insurable interest are I would like to uncover what the insurable interest is and how it exists in a specific way. As a result of this research, insurable interest is proved to economic profit or value that the insured has, therefore, which makes me find out problems of existing common view of relational theory and verify relevance of benefit theory.