The insured is primarily protected under which type of insurance principle?

The principle that primarily protects the insured is the personal principle of insurance. This principle emphasizes the unique nature of the relationship between the insurer and the insured, as insurance contracts are tailored to the individual needs of the policyholder. The personal aspect signifies that insurance policies are designed with specific individuals in mind, taking into account their unique circumstances, risks, and requirements.

The personal nature of insurance also means that the rights and responsibilities outlined in the policy are specific to the insured party. In the event of a claim, it is the circumstances and needs of the individual insured that are considered, ensuring that the coverage responds precisely to their situation.

Furthermore, this principle underlines the aspect that insurance contracts cannot be freely transferred to others without the insurer's consent, since the agreement is based on the trust and assessment of the specific insured individual's risk. This foundational relationship is crucial for ensuring that the insured is adequately covered, thereby fulfilling the essential function of insurance as a protective financial mechanism.