保险受益权是受益人基于保险合同所享有的保险金的请求权。
Insurance beneficial right is the claim to insurance compensation of beneficiary.
保险合同中，受益人的保险金给付请求权属于固有权并非继受而来。
In an insurance contract, the right of the beneficiary to seek the insurance premium is inherent.
在以死亡为给付保险金条件的人身保险合同中，受益人的道德风险表现多样，成因复杂，危害严重。
In the moral hazard of insurance beneficiary contract that encompasses death elements, moral hazard of insurance beneficiary is various, which cause is complicated and result is serious.
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