利益第三人契約 為他人利益之保險契約 損害保險 定額保險 要保人 被保險人 受益人 保險法第四五條 保險法第一○五條 保險法第一○七條 Contract for the benefit of third party Insurance contract for the benefit of third party Applicant for insurance The insured Beneficiary Article 45 of insurance act Article 105 of insurance act Article 107 of insurance act