（1995年6月30日第八屆全國人民代表大會常務(wù)委員會第十四次會議通過） (Adopted at the 14th Session of the Standing Committee of the Eighth National Peoples Congress on June 30, 1995, and promulgated by Order No. 51 of the President of the Peopl（1995年6月30日第八屆全國人民代表大會常務(wù)委員會第十四次會議通過）
(Adopted at the 14th Session of the Standing Committee of the Eighth National Peoples Congress on June 30, 1995, and promulgated by Order No. 51 of the President of the Peoples Republic of China on June 30, 1995)
第一章 總則General Provisions
第一條 為了規(guī)范保險(xiǎn)活動(dòng)，保護(hù)保險(xiǎn)活動(dòng)當(dāng)事人的合法權(quán)益，加強(qiáng)對保險(xiǎn)業(yè)的監(jiān)督管理，促進(jìn)保險(xiǎn)事業(yè)的健康發(fā)展，制定本法。
Article 1 This Law is promulgated with the purpose of regulating insurance activities, protecting the legitimate rights and interests of the parties involved, strengthening supervision and regulation of the insurance industry and promoting its healthy development.
第二條 本法所稱保險(xiǎn)，是指投保人根據(jù)合同約定，向保險(xiǎn)人支付保險(xiǎn)費(fèi)，保險(xiǎn)人對于合同約定的可能發(fā)生的事故因其發(fā)生所造成的財(cái)產(chǎn)損失承擔(dān)賠償保險(xiǎn)金責(zé)任，或者當(dāng)被保險(xiǎn)人死亡、傷殘、疾病或者達(dá)到合同約定的年齡、期限時(shí)承擔(dān)給付保險(xiǎn)金責(zé)任的商業(yè)保險(xiǎn)行為。
Article 2 "Insurance" is the term used in this Law to refer to a commercial insurance transaction whereby an insurance applicant, as contracted, pays insurance premiums to the insurer, and the insurer bears an obligation to indemnify for property loss or damage caused by an occurrence of a possible event that is agreed upon in the contract, or to pay the insurance benefits when the insured person dies, is injured or disabled, suffers diseases or reaches the age or term agreed upon in the contract.
第三條 在中華人民共和國境內(nèi)從事保險(xiǎn)活動(dòng)，適用本法。
Article 3 All insurance activities within the territory of the People's Republic of China (hereinafter referred to as "the PRC") shall be governed by this Law.
第四條 從事保險(xiǎn)活動(dòng)必須遵守法律、行政法規(guī)，遵循自愿和誠實(shí)信用的原則。
Article 4 Any insurance activity shall be in conformity with laws and administrative regulations and shall be conducted voluntarily under the principle of utmost good faith.
第五條 經(jīng)營商業(yè)保險(xiǎn)業(yè)務(wù)，必須是依照本法設(shè)立的保險(xiǎn)公司。其他單位和個(gè)人不得經(jīng)營商業(yè)保險(xiǎn)業(yè)務(wù)。
Article 5 Legal entities engaged in commercial insurance must be insurance companies established in accordance with this Law; no other entity or individual is permitted to transact commercial insurance business.
第六條 在中華人民共和國境內(nèi)的法人和其他組織需要辦理境內(nèi)保險(xiǎn)的，應(yīng)當(dāng)向中華人民共和國境內(nèi)的保險(xiǎn)公司投保。
Article 6 Any person or entity within the territory of the PRC that needs insurance coverage within the PRC territory shall insure himself/herself/itself with insurance companies established within the territory of the PRC.
第七條 保險(xiǎn)公司開展業(yè)務(wù)，應(yīng)當(dāng)遵循公平競爭的原則，不得從事不正當(dāng)競爭。
Article 7 Insurance companies shall observe the principle of fair competition when conducting insurance business and shall never engage in unfair competition.
第八條 國務(wù)院金融監(jiān)督管理部門依照本法負(fù)責(zé)對保險(xiǎn)業(yè)實(shí)施監(jiān)督管理。
Article 8 The financial supervision and regulation department under the State Council shall be responsible for supervision and regulation of the insurance industry in accordance with this Law.
第二章 保險(xiǎn)合同Insurance Contracts
第一節(jié) 一般規(guī)定Section 1 General Provisions
第九條 保險(xiǎn)合同是投保人與保險(xiǎn)人約定保險(xiǎn)權(quán)利義務(wù)關(guān)系的協(xié)議。
Article 9 An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer.
投保人是指與保險(xiǎn)人訂立保險(xiǎn)合同，并按照保險(xiǎn)合同負(fù)有支付保險(xiǎn)費(fèi)義務(wù)的人。
An applicant refers to the party who enters into an insurance contract with an insurer and is obligated to pay the premiums under the insurance contract.
保險(xiǎn)人是指與投保人訂立保險(xiǎn)合同，并承擔(dān)賠償或者給付保險(xiǎn)金責(zé)任的保險(xiǎn)公司。
An insurer refers to the insurance company which enters into an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits.
第十條 投保人和保險(xiǎn)人訂立保險(xiǎn)合同，應(yīng)當(dāng)遵循公平互利、協(xié)商一致、自愿訂立的原則，不得損害社會公共利益。
Article 10 An applicant and an insurer shall enter into an insurance contract on a fair, voluntary and mutually beneficial basis through consultation and shall never infringe upon the public interest.
除法律、行政法規(guī)規(guī)定必須保險(xiǎn)的以外，保險(xiǎn)公司和其他單位不得強(qiáng)制他人訂立保險(xiǎn)合同。
Insurance companies and other entities shall never force others to enter into any insurance contract, except for those insurances made compulsory by laws and administrative regulations.
第十一條 投保人對保險(xiǎn)標(biāo)的應(yīng)當(dāng)具有保險(xiǎn)利益。
Article 11 An applicant shall have an insurable interest in the subject matter of the insurance.
投保人對保險(xiǎn)標(biāo)的不具有保險(xiǎn)利益的，保險(xiǎn)合同無效。
An insurance contract is null and void if the applicant has no insurable interest in the subject matter of the insurance.
保險(xiǎn)利益是指投保人對保險(xiǎn)標(biāo)的具有的法律上承認(rèn)的利益。
An insurable interest refers to the interest which the applicant has in the subject matter of the insurance and is recognized by laws.
保險(xiǎn)標(biāo)的是指作為保險(xiǎn)對象的財(cái)產(chǎn)及其有關(guān)利益或者人的壽命和身體。
The subject matter of the insurance refers either to the property of the insured and related interests associated therewith, or to the life and the body of the insured, which is the object of the insurance.
第十二條 投保人提出保險(xiǎn)要求，經(jīng)保險(xiǎn)人同意承保，并就合同的條款達(dá)成協(xié)議，保險(xiǎn)合同成立。保險(xiǎn)人應(yīng)當(dāng)及時(shí)向投保人簽發(fā)保險(xiǎn)單或者其他保險(xiǎn)憑證，并在保險(xiǎn)單或者其他保險(xiǎn)憑證中載明當(dāng)事人雙方約定的合同內(nèi)容。
Article 12 An insurance contract is formed when an applicant requests insurance and the insurer agrees to underwrite it under the terms and conditions therein agreed by both parties. The insurer shall issue to the applicant, on a timely basis, an insurance policy or any other insurance certificate which indicates the terms and conditions as agreed by both parties.
經(jīng)投保人和保險(xiǎn)人協(xié)商同意，也可以采取前款規(guī)定以外的其他書面協(xié)議形式訂立保險(xiǎn)合同。
An insurance contract may take any written form other than as prescribed above, upon the mutual agreement of the applicant and the insurer.
第十三條 保險(xiǎn)合同成立后，投保人按照約定交付保險(xiǎn)費(fèi)；保險(xiǎn)人按照約定的時(shí)間開始承擔(dān)保險(xiǎn)責(zé)任。
Article 13 Once an insurance contract is formed, the applicant shall pay the premium in accordance with the terms and conditions of the contract and the insurer will be at risk effective from the date as specified in the insurance contract.
第十四條 除本法另有規(guī)定或者保險(xiǎn)合同另有約定外，保險(xiǎn)合同成立后，投保人可以解除保險(xiǎn)合同。
Article 14 Unless otherwise prescribed herein, or in the insurance contract, the applicant may terminate the contract after it is formed.
第十五條 除本法另有規(guī)定或者保險(xiǎn)合同另有約定外，保險(xiǎn)合同成立后，保險(xiǎn)人不得解除保險(xiǎn)合同。
Article 15 Unless otherwise prescribed herein, or in the insurance contract, the insurer may not terminate the contract after it is formed.
第十六條 訂立保險(xiǎn)合同，保險(xiǎn)人應(yīng)當(dāng)向投保人說明保險(xiǎn)合同的條款內(nèi)容，并可以就保險(xiǎn)標(biāo)的或者被保險(xiǎn)人的有關(guān)情況提出詢問，投保人應(yīng)當(dāng)如實(shí)告知。
Article 16 The insurer shall, prior to the conclusion of an insurance contract, explain the contract terms and conditions to the applicant and may inquire about the subject matter of the insurance or person to be insured. The applicant shall make a full and accurate disclosure.
投保人故意隱瞞事實(shí)，不履行如實(shí)告知義務(wù)的，或者因過失未履行如實(shí)告知義務(wù)，足以影響保險(xiǎn)人決定是否同意承保或者提高保險(xiǎn)費(fèi)率的，保險(xiǎn)人有權(quán)解除保險(xiǎn)合同。
The insurer shall have the right to terminate the insurance contract, in the case that the applicant intentionally conceals facts, or does not perform his/her obligation of making a full and accurate disclosure, or negligently fails to perform such obligation to the extent that it would materially affect the insurer's decision whether or not to underwrite the insurance or whether or not to increase the premium rate.
投保人故意不履行如實(shí)告知義務(wù)的，保險(xiǎn)人對于保險(xiǎn)合同解除前發(fā)生的保險(xiǎn)事故，不承擔(dān)賠償或者給付保險(xiǎn)金的責(zé)任，并不退還保險(xiǎn)費(fèi)。
If any applicant intentionally fails to perform his/her obligation of making a full and accurate disclosure, the insurer shall bear no obligation for making any indemnity or payment of the insurance benefits, or for returning the premiums paid for the occurrence of the insured event which occurred prior to the termination of the contract.
投保人因過失未履行如實(shí)告知義務(wù)，對保險(xiǎn)事故的發(fā)生有嚴(yán)重影響的，保險(xiǎn)人對于保險(xiǎn)合同解除前發(fā)生的保險(xiǎn)事故，不承擔(dān)賠償或者給付保險(xiǎn)金的責(zé)任，但可以退還保險(xiǎn)費(fèi)。
If an applicant negligently fails to perform his/her obligation of making a full and accurate disclosure and this materially affects the occurrence of an insured event before the termination of the contract, the insurer shall bear no obligation for making any indemnity or payment of the insurance benefits but may return the premiums paid.
保險(xiǎn)事故是指保險(xiǎn)合同約定的保險(xiǎn)責(zé)任范圍內(nèi)的事故。
An insured event refers to an event falling within the scope of cover under the insurance contract.
第十七條 保險(xiǎn)合同中規(guī)定有關(guān)于保險(xiǎn)人責(zé)任免除條款的，保險(xiǎn)人在訂立保險(xiǎn)合同時(shí)應(yīng)當(dāng)向投保人明確說明，未明確說明的，該條款不產(chǎn)生效力。
Article 17 If there are any exclusion clauses imposed by the insurer in the insurance contract, then the insurer shall give specific and clear explanations thereof to the applicant when concluding the insurance contract, otherwise such clauses shall not be enforceable.
第十八條 保險(xiǎn)合同應(yīng)當(dāng)包括下列事項(xiàng)：
Article 18 An insurance contract shall contain the following particulars:
（一）投保人名稱和住所；Name and address of the insurer;
（二）投保人、被保險(xiǎn)人名稱和住所，以及人身保險(xiǎn)的受益人的名稱和住所；
Names and addresses of the applicant and the insured, and name and address of the beneficiary in the case of insurance of persons;
（三）保險(xiǎn)標(biāo)的；Subject matter of the insurance;
（四）保險(xiǎn)責(zé)任和責(zé)任免除；Scope of the cover and exclusions;
（五）保險(xiǎn)期間和保險(xiǎn)責(zé)任開始時(shí)間；
Period of insurance and the commencement of the insurance liability;
（六）保險(xiǎn)價(jià)值；Insured value;
（七）保險(xiǎn)金額；Sum insured;
（八）保險(xiǎn)費(fèi)以及支付辦法；Premium and method of premium payment;
（九）保險(xiǎn)金賠償或者給付辦法；
Method of payment of indemnity or the insurance benefits;
（十）違約責(zé)任和爭議處理；
Liability arising from breach of contract and the settlement of disputes ;
（十一）訂立合同的年、月、日。Day, month and year of the signing of the contract.
第十九條 投保人和保險(xiǎn)人在前條規(guī)定的保險(xiǎn)合同事項(xiàng)外，可以就與保險(xiǎn)有關(guān)的其他事項(xiàng)作出約定。
Article 19 The applicant and the insurer may include additional particulars for matters relating to the insurance contract other than those referred to in the preceding Article.
第二十條 在保險(xiǎn)合同有效期內(nèi)，投保人和保險(xiǎn)人經(jīng)協(xié)商同意，可以變更保險(xiǎn)合同的有關(guān)內(nèi)容。
Article 20 During the period of the validity of the insurance contract, the applicant and the insurer may amend the contents of the insurance contract subject to mutual agreement.
變更保險(xiǎn)合同的，應(yīng)當(dāng)由保險(xiǎn)人在原保險(xiǎn)單或者其他保險(xiǎn)憑證上批注或者附貼批單，或者由投保人和保險(xiǎn)人訂立變更的書面協(xié)議。
Should there be any amendments to the insurance contract, then the insurer shall endorse the original policy or any other insurance certificate, or issue an endorsement slip attached to the insurance contract or insurance certificate, or have a written agreement of amendment with the applicant.
第二十一條 投保人、被保險(xiǎn)人或者受益人知道保險(xiǎn)事故發(fā)生后，應(yīng)當(dāng)及時(shí)通知保險(xiǎn)人。
Article 21 The applicant, the insured or the beneficiary shall notify the insurer in a timely manner of the occurrence of any insured event once it is known to them.
被保險(xiǎn)人是指其財(cái)產(chǎn)或者人身受保險(xiǎn)合同保障，享有保險(xiǎn)金請求權(quán)的人，投保人可以為被保險(xiǎn)人。
The insured refers to anyone whose property or person is protected by the insurance contract and who is entitled to claim for compensation. An applicant may be the insured.
受益人是指人身保險(xiǎn)合同中由被保險(xiǎn)人或者投保人指定的享有保險(xiǎn)金請求權(quán)的人，投保人、被保險(xiǎn)人可以為受益人。
The beneficiary with respect to the insurance of persons refers to that person designated by the insured or the applicant, and being entitled to claim for the insurance benefits. The applicant or the insured may be the beneficiary.
第二十二條 保險(xiǎn)事故發(fā)生后，依照保險(xiǎn)合同請求保險(xiǎn)人賠償或者給付保險(xiǎn)金時(shí)，投保人、被保險(xiǎn)人或者受益人應(yīng)當(dāng)向保險(xiǎn)人提供其所能提供的與確認(rèn)保險(xiǎn)事故的性質(zhì)、原因、損失程度等有關(guān)的證明和資料。
Article 22 When a claim for indemnity or payment of the insurance benefits is lodged with the insurer after the occurrence of an insured event, the applicant, the insured or the beneficiary shall, to the best of their knowledge and ability, provide the insurer with evidence and information which is relevant to ascertain the nature of, the cause for and the extent of the loss due to the occurrence of the insured event.
保險(xiǎn)人依照保險(xiǎn)合同的約定，認(rèn)為有關(guān)的證明和資料不完整的，應(yīng)當(dāng)通知投保人、被保險(xiǎn)人或者受益人補(bǔ)充提供有關(guān)的證明和資料。
If the insurer, based on the provisions of the insurance contract, considers the relevant evidence or information incomplete, then the insurer shall notify the applicant, the insured or the beneficiary with a request to provide the insurer with additional evidence or information.
第二十三條 保險(xiǎn)人收到被保險(xiǎn)人或者受益人的賠償或者給付保險(xiǎn)金的請求后，應(yīng)當(dāng)及時(shí)作出核定；對屬于保險(xiǎn)責(zé)任的，在與被保險(xiǎn)人或者受益人達(dá)成有關(guān)賠償或者給付保險(xiǎn)金額的協(xié)議后十日內(nèi)，履行賠償或者給付保險(xiǎn)金義務(wù)。保險(xiǎn)合同對保險(xiǎn)金額及賠償或者給付期限有約定的，保險(xiǎn)人應(yīng)當(dāng)依照保險(xiǎn)合同的約定，履行賠償或者給付保險(xiǎn)金義務(wù)。
Article 23 The insurer shall, in a timely manner after the receipt of a claim for indemnity or for payment of the insurance benefits from the insured or the beneficiary, ascertain and determine whether to make the indemnity or effect the payment of the insurance benefits, and shall fulfill its obligations for such indemnity or payment within ten (10) days after an agreement is reached with the insured or the beneficiary on the amount of indemnity or payment. If the insurance contract specifies the sum insured or the period within which the indemnity or the payment of the insurance benefits should be made, then the insurer shall fulfill its obligation for indemnity or payment of the insurance benefits as specified in the insurance contract.
保險(xiǎn)人未及時(shí)履行前款規(guī)定義務(wù)的，除支付保險(xiǎn)金外，應(yīng)當(dāng)賠償被保險(xiǎn)人或者受益人因此受到的損失。
If the insurer fails to fulfill the obligations specified in the preceding paragraph in a timely manner then, in addition to the payment of compensation, the insurer shall compensate the insured or the beneficiary for any damage incurred thereby.
任何單位或者個(gè)人都不得非法干預(yù)保險(xiǎn)人履行賠償或者給付保險(xiǎn)金的義務(wù)，也不得限制被保險(xiǎn)人或者受益人取得保險(xiǎn)金的權(quán)利。
No entity or individual shall illegally interfere with the insurer's obligation for indemnity or payment of the insurance benefits, or hinder the right of the insured or the beneficiary to receive the payment.
保險(xiǎn)金額是指保險(xiǎn)人承擔(dān)賠償或者給付保險(xiǎn)金責(zé)任的最高限額。
The sum insured refers to the maximum amount which the insurer undertakes to indemnify or pay under its insurance obligation.
第二十四條 保險(xiǎn)人收到被保險(xiǎn)人或者受益人的賠償或者給付保險(xiǎn)金的請求后，對不屬于保險(xiǎn)責(zé)任的，應(yīng)當(dāng)向被保險(xiǎn)人或者受益人發(fā)出拒絕賠償或者拒絕給付保險(xiǎn)金通知書。
Article 24 After receiving a claim for indemnity or payment of the insurance benefits from the insured or the beneficiary, the insurer shall issue to the insured or the beneficiary a notice declining indemnity or payment of the insurance benefits for any events not falling within the scope of the cover.
第二十五條 保險(xiǎn)人自收到賠償或者給付保險(xiǎn)金的請求和有關(guān)證明、資料之日起六十日內(nèi)，對其賠償或者給付保險(xiǎn)金的數(shù)額不能確定的，應(yīng)當(dāng)根據(jù)已有證明和資料可以確定的最低數(shù)額先予支付；保險(xiǎn)人最終確定賠償或者給付保險(xiǎn)金的數(shù)額后，應(yīng)當(dāng)支付相應(yīng)的差額。
Article 25 If the amount of indemnity or payment of the insurance benefits cannot be determined within sixty (60) days of receipt of the claim for indemnity or payment of the insurance benefits, and relevant evidence and information thereof, then the insurer shall effect payment of the minimum amount which can be determined by the evidence and information obtained. The insurer shall pay the balance after the final amount of indemnity or payment of the insurance benefits is determined.
第二十六條 人壽保險(xiǎn)以外的其他保險(xiǎn)的被保險(xiǎn)人或者受益人，對保險(xiǎn)人請求賠償或者給付保險(xiǎn)金的權(quán)利，自其知道保險(xiǎn)事故發(fā)生之日起二年不行使而消滅。
Article 26 With respect to insurance other than life insurance, the rights of the insured or the beneficiary to claim for indemnity or payment of the insurance benefits shall expire if the insured or the beneficiary fails to exercise his/her rights to claim within two (2) years from the date when the insured or the beneficiary is aware of the occurrence of the insured event.
人壽保險(xiǎn)的被保險(xiǎn)人或者受益人對保險(xiǎn)人請求給付保險(xiǎn)金的權(quán)利，自其知道保險(xiǎn)事故發(fā)生之日起五年不行使而消滅。
With respect to life insurance, the rights of the insured or the beneficiary to claim for payment of the insurance benefits shall expire if the insured or the beneficiary fails to exercise his/her rights to claim within five (5) years from the date when the insured or the beneficiary is aware of the occurrence of the insured event.
第二十七條 被保險(xiǎn)人或者受益人在未發(fā)生保險(xiǎn)事故的情況下，謊稱發(fā)生了保險(xiǎn)事故，向保險(xiǎn)人提出賠償或者給付保險(xiǎn)金的請求的，保險(xiǎn)人有權(quán)解除保險(xiǎn)合同，并不退還保險(xiǎn)費(fèi)。
Article 27 The insurer may terminate the insurance contract and refuse to return the premiums paid if the insured or the beneficiary falsely claims that an insured event has occurred, and submits a claim for indemnity or payment of the insurance benefits, although such insured event has not occurred.
投保人、被保險(xiǎn)人或者受益人故意制造保險(xiǎn)事故的，保險(xiǎn)人有權(quán)解除保險(xiǎn)合同，不承擔(dān)賠償或者給付保險(xiǎn)金的責(zé)任，除本法第六十四條第一款另有規(guī)定外，也不退還保險(xiǎn)費(fèi)。
If the applicant, the insured or the beneficiary intentionally causes the occurrence of an insured event, except as under the first paragraph of Article 64 of this Law, the insurer may terminate the insurance contract, bear no obligation for indemnity or payment of the insurance benefits and decline to return the premiums paid.
保險(xiǎn)事故發(fā)生后，投保人、被保險(xiǎn)人或者受益人以偽造、變造的有關(guān)證明、資料或者其他證據(jù)，編造虛假的事故原因或者夸大損失程度的，保險(xiǎn)人對其虛報(bào)的部分不承擔(dān)賠償或者給付保險(xiǎn)金的責(zé)任。
If the applicant, the insured or the beneficiary, following the occurrence of an insured event, provides forged and altered relevant evidence, information or other proofs, falsifies the cause of the occurrence of the insured event or overstates the extent of the loss, then the insurer shall bear no obligation for indemnity or payment of the insurance benefits for the portion which is falsified or overstated.
投保人、被保險(xiǎn)人或者受益人有前三款所列行為之一，致使保險(xiǎn)人支付保險(xiǎn)金或者支出費(fèi)用的，應(yīng)當(dāng)退回或者賠償。
The applicant, the insured or the beneficiary shall refund or indemnify the insurer for any payments or expenses which were made or incurred by the insurer due to the commission of any act stipulated in the foregoing three paragraphs of this Article by the applicant, the insured or the beneficiary.
第二十八條 保險(xiǎn)人將其承擔(dān)的保險(xiǎn)業(yè)務(wù)，以承保形式，部分轉(zhuǎn)移給其他保險(xiǎn)人的，為再保險(xiǎn)。
Article 28 When an insurer transfers part of its accepted business to another insurer by way of cession, it is referred to as reinsurance.
應(yīng)再保險(xiǎn)接受人的要求，再保險(xiǎn)分出人應(yīng)當(dāng)將其自負(fù)責(zé)任及原保險(xiǎn)的有關(guān)情況告知再保險(xiǎn)接受人。
When requested by the reinsurer, the ceding insurance company shall inform the reinsurer of the ceding insurance company's retained liability and all relevant information with respect to the direct insurance.
第二十九條 再保險(xiǎn)接受人不得向原保險(xiǎn)的投保人要求支付保險(xiǎn)費(fèi)。
Article 29 The reinsurer shall not demand payment of premiums from the applicant of the direct insurance.
原保險(xiǎn)的被保險(xiǎn)人或者受益人，不得向再保險(xiǎn)接受人提出賠償或者給付保險(xiǎn)金的請求。
The insured or the beneficiary of the direct insurance shall not claim for the indemnity or payment of the insurance benefits from the reinsurer.
再保險(xiǎn)分出人不得以再保險(xiǎn)接受人未履行再保險(xiǎn)責(zé)任為由，拒絕履行或者遲延履行其原保險(xiǎn)責(zé)任。
The ceding insurance company shall not decline or delay fulfilling its obligation of the direct insurance on the basis that the reinsurer fails to fulfill the reinsurance obligation.
第三十條 對于保險(xiǎn)合同的條款，保險(xiǎn)人與投保人、被保險(xiǎn)人或者受益人有爭議時(shí)，人民法院或者仲裁機(jī)關(guān)應(yīng)當(dāng)作有利于被保險(xiǎn)人和受益人的解釋。
Article 30 If there is any dispute over the interpretation of clauses in an insurance contract between the insurer and the applicant, the insured or the beneficiary, then the People's Courts or arbitration organizations shall interpret such disputed clauses in favor of the insured and the beneficiary.
第三十一條 保險(xiǎn)人或者再保險(xiǎn)接受人對在辦理保險(xiǎn)業(yè)務(wù)中知道的投保人、被保險(xiǎn)人或者再保險(xiǎn)分出人的業(yè)務(wù)和財(cái)產(chǎn)情況，負(fù)有保密的義務(wù)。
Article 31 The insurer or the reinsurer shall be obligated to maintain confidentiality of information obtained in the course of conducting insurance business regarding the business and financial position of the applicant, the insured or the ceding insurance company.
第二節(jié) 財(cái)產(chǎn)保險(xiǎn)合同Section 2 Contract of Property Insurance
第三十二條 財(cái)產(chǎn)保險(xiǎn)合同是以財(cái)產(chǎn)及其有關(guān)利益為保險(xiǎn)標(biāo)的的保險(xiǎn)合同。
Article 32 A property insurance contract refers to a contract the subject matter of the insurance of which is a property and related interests associated therewith.
本節(jié)中的財(cái)產(chǎn)保險(xiǎn)合同，除特別指明的外，簡稱合同。
The property insurance contract mentioned in this Section is briefly referred to as "the contract", unless specified otherwise.
第三十三條 保險(xiǎn)標(biāo)的的轉(zhuǎn)讓應(yīng)當(dāng)通知保險(xiǎn)人，經(jīng)保險(xiǎn)人同意繼續(xù)承保后，依法變更合同。但是，貨物運(yùn)輸保險(xiǎn)合同和另有約定的合同除外。
Article 33 With the exception of cargo insurance contracts and those contracts specified otherwise, the insurer must be notified of the assignment of the subject matter of the insurance. With the consent of the insurer to continue underwriting the assignment of the subject matter of the insurance, the contract may be modified in accordance with laws.
第三十四條 貨物運(yùn)輸保險(xiǎn)合同和運(yùn)輸工具航程保險(xiǎn)合同，保險(xiǎn)責(zé)任開始后，合同當(dāng)事人不得解除合同。
Article 34 A cargo insurance contract or an insurance contract for voyage conveyance shall not be terminated by any party thereto subsequent to the commencement of the insurance liability.
第三十五條 被保險(xiǎn)人應(yīng)當(dāng)遵守國家有關(guān)消防、安全、生產(chǎn)操作、勞動(dòng)保護(hù)等方面的規(guī)定，維護(hù)保險(xiǎn)標(biāo)的的安全。
Article 35 The insured shall observe all the regulations prescribed by the State with respect to fire prevention, safety, production, operations and labor protection, and any other regulations associated therewith, to maintain the safety of the subject matter of the insurance.
根據(jù)合同的約定，保險(xiǎn)人可以對保險(xiǎn)標(biāo)的的安全狀況進(jìn)行檢查，及時(shí)向投保人、被保險(xiǎn)人提出消除不安全因素和隱患的書面建議。
In accordance with the terms of the contract, the insurer may inspect the subject matter of the insurance concerning its safety conditions and, within a reasonable time, propose reasonable written suggestions to the applicant or the insured to eliminate risks and latent problems undermining the safety of the subject matter of the insurance.
投保人、被保險(xiǎn)人未按照約定履行其對保險(xiǎn)標(biāo)的安全應(yīng)盡的責(zé)任的，保險(xiǎn)人有權(quán)要求增加保險(xiǎn)費(fèi)或者解除合同。
In the event that the applicant or the insured fails to fulfill his/her contractual obligation to ensure the safety of the subject matter of the insurance, the insurer has the right to request an increase of the premium or to terminate the contract.
保險(xiǎn)人為維護(hù)保險(xiǎn)標(biāo)的的安全，經(jīng)被保險(xiǎn)人同意，可以采取安全預(yù)防措施。
The insurer may, with the consent of the insured, take safety preventive measures to protect the subject matter of the insurance.
第三十六條 在合同有效期內(nèi)，保險(xiǎn)標(biāo)的危險(xiǎn)程度增加的，被保險(xiǎn)人按照合同約定應(yīng)當(dāng)及時(shí)通知保險(xiǎn)人，保險(xiǎn)人有權(quán)要求增加保險(xiǎn)費(fèi)或者解除合同。
Article 36 If the extent of risk to the subject matter of the insurance increases during the period of the contract, then the insured shall, in accordance with the contract, promptly notify the insurer and the insurer shall have the right to increase the premium or terminate the contract.
被保險(xiǎn)人未履行前款規(guī)定的通知義務(wù)的，因保險(xiǎn)標(biāo)的危險(xiǎn)程度增加而發(fā)生的保險(xiǎn)事故，保險(xiǎn)人不承擔(dān)賠償責(zé)任。
If the insured fails to fulfill the obligation of notice stipulated in the preceding paragraph, the insurer shall bear no obligation for indemnity of the insured event which occurs due to the increased risk to the subject matter of the insurance.
第三十七條 有下列情形之一的，除合同另有約定外，保險(xiǎn)人應(yīng)當(dāng)降低保險(xiǎn)費(fèi)，并按日計(jì)算退還相應(yīng)的保險(xiǎn)費(fèi)：
Article 37 Unless otherwise specified in the contract, the insurer shall reduce the premium and return the corresponding premium paid pro rata to the number of days, if either:
（一）據(jù)以確定保險(xiǎn)費(fèi)率的有關(guān)情況發(fā)生變化，保險(xiǎn)標(biāo)的危險(xiǎn)程度明顯減少；
a change occurs in the circumstances on which the insurance rate was calculated, so that the risk to the subject matter of the insurance is noticeably reduced; or
（二）保險(xiǎn)標(biāo)的的保險(xiǎn)價(jià)值明顯減少。
a material reduction occurred in the insured value of the subject matter of the insurance.
第三十八條 保險(xiǎn)責(zé)任開始前，投保人要求解除合同的，應(yīng)當(dāng)向保險(xiǎn)人支付手續(xù)費(fèi)，保險(xiǎn)人應(yīng)當(dāng)退還保險(xiǎn)費(fèi)。保險(xiǎn)責(zé)任開始后，投保人要求解除合同的，保險(xiǎn)人可以收取自保險(xiǎn)責(zé)任開始之日起至合同解除之日止期間的保險(xiǎn)費(fèi)，剩余部分退還投保人。
Article 38 In the event that an applicant requests the termination of the contract prior to the commencement of the insurance liability, the applicant shall pay handling charges to the insurer and the insurer shall return the premiums paid. In the event that an applicant requests the termination of the contract subsequent to the commencement of the insurance liability, the insurer may retain the premiums for the period from the commencement of the insurance liability to the date of the termination of the contract, and shall return the balance of the premiums to the applicant.
第三十九條 保險(xiǎn)標(biāo)的的保險(xiǎn)價(jià)值，可以由投保人和保險(xiǎn)人約定并在合同中載明，也可以按照保險(xiǎn)事故發(fā)生時(shí)保險(xiǎn)標(biāo)的的實(shí)際價(jià)值確定。
Article 39 The insured value of the subject matter of the insurance may be agreed by the applicant and the insurer, and specified in the contract; or it may be assessed based on the actual value of the subject matter of the insurance at the time of the occurrence of the insured event.
保險(xiǎn)金額不得超過保險(xiǎn)價(jià)值；超過保險(xiǎn)價(jià)值的，超過的部分無效。
The sum insured shall not exceed the insured value of the subject matter of the insurance, and any portion exceeding the insured value of the subject matter of the insurance is null and void as a matter of law.
保險(xiǎn)金額低于保險(xiǎn)價(jià)值的，除合同另有約定外，保險(xiǎn)人按照保險(xiǎn)金額與保險(xiǎn)價(jià)值的比例承擔(dān)賠償責(zé)任。
Unless otherwise specified in the contract, in the event that the sum insured is less than the insured value, the insurer shall undertake the obligation for indemnity pro rata of the sum insured to the insured value.
第四十條 重復(fù)保險(xiǎn)的投保人應(yīng)當(dāng)將重復(fù)保險(xiǎn)的有關(guān)情況通知各保險(xiǎn)人。
Article 40 In the event of double insurance, the applicant shall notify all the insurers concerned of relevant information with respect to such double insurance.
重復(fù)保險(xiǎn)的保險(xiǎn)金額總和超過保險(xiǎn)價(jià)值的，各保險(xiǎn)人的賠償金額的總和不得超過保險(xiǎn)價(jià)值。除合同另有約定外，各保險(xiǎn)人按照其保險(xiǎn)金額與保險(xiǎn)金額總和的比例承擔(dān)賠償責(zé)任。
If the total amount of the sum insured by double insurance exceeds the insured value, the total amount of indemnity paid by all insurers concerned shall not exceed the insured value. Unless specified otherwise in the contract, the insurers concerned shall undertake their obligation for indemnity based on the proportions their respective amounts of the sum insured bear to the total amount of the sum insured.
重復(fù)保險(xiǎn)是指投保人對同一保險(xiǎn)標(biāo)的、同一保險(xiǎn)利益、同一保險(xiǎn)事故分別向二個(gè)以上保險(xiǎn)人訂立保險(xiǎn)合同的保險(xiǎn)。
A double insurance refers to insurance under which an applicant enters into insurance contracts with two or more insurers on the same subject matter of the insurance, the same insurable interests and the same insured event.
第四十一條 保險(xiǎn)事故發(fā)生時(shí)，被保險(xiǎn)人有責(zé)任盡力采取必要的措施，防止或者減少損失。
Article 41 Following the occurrence of an insured event, the insured is obligated to take all necessary measures to prevent or mitigate loss or damage.
保險(xiǎn)事故發(fā)生后，被保險(xiǎn)人為防止或者減少保險(xiǎn)標(biāo)的的損失所支付的必要的、合理的費(fèi)用，由保險(xiǎn)人承擔(dān)；保險(xiǎn)人所承擔(dān)的數(shù)額在保險(xiǎn)標(biāo)的損失賠償金額以外另行計(jì)算，最高不超過保險(xiǎn)金額的數(shù)額。
The insurer shall bear the expenses necessarily and reasonably incurred by the insured in taking measures to prevent or mitigate further loss or damage of the subject matter of the insurance after the occurrence of the insured event; the amount of such expenses borne by an insurer shall be calculated separately from the indemnity for the loss of the subject matter of the insurance and it shall not exceed the sum insured.
第四十二條 保險(xiǎn)標(biāo)的發(fā)生部分損失的，在保險(xiǎn)人賠償后三十日內(nèi)，投保人可以終止合同；除合同約定不得終止合同的以外，保險(xiǎn)人也可以終止合同。保險(xiǎn)人終止合同的，應(yīng)當(dāng)提前十五日通知投保人，并將保險(xiǎn)標(biāo)的未受損失部分的保險(xiǎn)費(fèi)，扣除自保險(xiǎn)責(zé)任開始之日起至終止合同之日止期間的應(yīng)收部分后，退還投保人。
Article 42 If the subject matter of the insurance sustains partial loss, the applicant may terminate the contract within thirty (30) days after the loss is indemnified by the insurer. Unless specified otherwise in the insurance contract, the insurer may also terminate the contract. In the event that the insurer terminates the contract, the insurer shall notify the applicant fifteen (15) days in advance of such termination and return to the applicant the premium received for the portion of the subject matter of the insurance which is not lost or damaged after deducting the earned premium for the subject matter of the insurance which is not lost or damaged from the date of the commencement of the insurance liability to the date of the termination of the contract.
第四十三條 保險(xiǎn)事故發(fā)生后，保險(xiǎn)人已支付了全部保險(xiǎn)金額，并且保險(xiǎn)金額相等于保險(xiǎn)價(jià)值的，受損保險(xiǎn)標(biāo)的的全部權(quán)利歸于保險(xiǎn)人；保險(xiǎn)金額低于保險(xiǎn)價(jià)值的，保險(xiǎn)人按照保險(xiǎn)金額與保險(xiǎn)價(jià)值的比例取得受損保險(xiǎn)標(biāo)的的部分權(quán)利。
Article 43 After the occurrence of the insured event, if the insurer pays in full the sum insured and the sum insured is equal to the insured value, the insurer shall retain all rights pertaining to the subject matter of the insurance which is lost or damaged. If the sum insured is less than the insured value, the insurer shall obtain partial rights pertaining to the subject matter of the insurance which is lost or damaged on the pro rata basis of the sum insured to the insured value.
第四十四條 因第三者對保險(xiǎn)標(biāo)的的損害而造成保險(xiǎn)事故的，保險(xiǎn)人自向被保險(xiǎn)人賠償保險(xiǎn)金之日起，在賠償金額范圍內(nèi)代位行使被保險(xiǎn)人對第三者請求賠償?shù)臋?quán)利。
Article 44 When the occurrence of the insured event results from the loss or damage to the Subject matter of the insurance caused by a third party, the insurer may be subrogated into the insured's right of indemnity against the third party up to the amount of indemnity from the date when the amount of indemnity is made.
前款規(guī)定的保險(xiǎn)事故發(fā)生后，被保險(xiǎn)人已經(jīng)從第三者取得損害賠償?shù)模ｋU(xiǎn)人賠償保險(xiǎn)金時(shí)，可以相應(yīng)扣減被保險(xiǎn)人從第三者已取得的賠償金額。
In the event of the occurrence of the insured event referred to in the preceding paragraph, the insurer may, at the time of making indemnity, deduct therefrom a corresponding amount which the insured has received as indemnity from the third party.
保險(xiǎn)人依照第一款行使代位請求賠償?shù)臋?quán)利，不影響被保險(xiǎn)人就未取得賠償?shù)牟糠窒虻谌哒埱筚r償?shù)臋?quán)利。
The right of indemnity by subrogation exercised by the insurer in accordance with the first paragraph shall in no way affect the insured's right of indemnity against the third party for the unindemnified amount.
第四十五條 保險(xiǎn)事故發(fā)生后，保險(xiǎn)人未賠償保險(xiǎn)金之前，被保險(xiǎn)人放棄對第三者的請求賠償?shù)臋?quán)利的，保險(xiǎn)人不承擔(dān)賠償保險(xiǎn)金的責(zé)任。
Article 45 If the insured waives the right of indemnity against the third party after the occurrence of the insured event and before the insurer making the indemnity, the insurer shall bear no obligation for indemnity.
保險(xiǎn)人向被保險(xiǎn)人賠償保險(xiǎn)金后，被保險(xiǎn)人未經(jīng)保險(xiǎn)人同意放棄對第三者請求賠償?shù)臋?quán)利的，該行為無效。
If the insured, without the insurer's consent, waives the right of indemnity against the third party after indemnity is made by the insurer, the waiver of the insured shall be regarded as invalid.
由于被保險(xiǎn)人的過錯(cuò)致使保險(xiǎn)人不能行使代位請求賠償?shù)臋?quán)利的，保險(xiǎn)人可以相應(yīng)扣減保險(xiǎn)賠償金。
The insurer may deduct a corresponding sum from the amount of indemnity if it is not able to exercise the right of indemnity by subrogation due to the fault of the insured.
第四十六條 除被保險(xiǎn)人的家庭成員或者其組成人員故意造成本法第四十四條第一款規(guī)定的保險(xiǎn)事故以外，保險(xiǎn)人不得對被保險(xiǎn)人的家庭成員或者其組成人員行使代位請求賠償?shù)臋?quán)利。
Article 46 The insurer has no right of indemnity by subrogation against any family member or staff member of the insured unless the occurrence of the insured event referred to in the first paragraph of Article 44 above has resulted from the willful misconduct of such a third party.
第四十七條 在保險(xiǎn)人向第三者行使代位請求賠償權(quán)利時(shí)，被保險(xiǎn)人應(yīng)當(dāng)向保險(xiǎn)人提供必要的文件和其所知道的有關(guān)情況。
Article 47 When the insurer exercises the right of indemnity by subrogation against a third party, the insured shall provide the insurer with all relevant and pertinent documents and information known to him/her.
第四十八條 保險(xiǎn)人、被保險(xiǎn)人為查明和確定保險(xiǎn)事故的性質(zhì)、原因和保險(xiǎn)標(biāo)的的損失程度所支付的必要的、合理的費(fèi)用，由保險(xiǎn)人承擔(dān)。
Article 48 The insurer shall bear the necessary and reasonable expenses incurred by the insurer and the insured from investigating and ascertaining the nature of and the cause for the occurrence of the insured event, and the extent of loss or damage to the Subject matter of the insurance.
第四十九條 保險(xiǎn)人對責(zé)任保險(xiǎn)的被保險(xiǎn)人給第三者造成的損害，可以依照法律的規(guī)定或者合同的約定，直接向該第三者賠償保險(xiǎn)金。
Article 49 The insurer may directly indemnify a third party for loss or damage caused by the insured of a liability insurance contract in accordance with the provisions of laws or the terms of an insurance contract.
責(zé)任保險(xiǎn)是指以被保險(xiǎn)人對第三者依法應(yīng)負(fù)的賠償責(zé)任為保險(xiǎn)標(biāo)的的保險(xiǎn)。
Liability insurance refers to an insurance the subject matter of the insurance of which is the insured's liability to indemnify a third party pursuant to laws.
第五十條 責(zé)任保險(xiǎn)的被保險(xiǎn)人因給第三者造成損害的保險(xiǎn)事故而被提起仲裁或者訴訟的，除合同另有約定外，由被保險(xiǎn)人支付的仲裁或者訴訟費(fèi)用以及其他必要的、合理的費(fèi)用，由保險(xiǎn)人承擔(dān)。
Article 50 If the insured of a liability insurance contract is brought to an arbitration or legal proceeding due to the occurrence of an insured event which caused loss or damage to a third party, unless specified otherwise in the insurance contract, the insurer shall bear the expenses of such arbitration or legal proceeding and other necessary and reasonable expenses paid by the insured.
第三節(jié) 人身保險(xiǎn)合同Section 3 Contract of Insurance of Persons
第五十一條 人身保險(xiǎn)合同是以人的壽命和身體為保險(xiǎn)標(biāo)的的保險(xiǎn)合同。
Article 51 A contract of insurance of persons is an insurance contract insuring a person's life and body.
本節(jié)中的人身保險(xiǎn)合同，除特別指明的外，簡稱合同。
The contract of insurance of persons mentioned in this Section is briefly referred to as "the contract," unless specified otherwise.
第五十二條 投保人對下列人員具有保險(xiǎn)利益：
Article 52 The applicant has insurable interests over the following persons:
（一）本人；The applicant himself/herself;
（二）配偶、子女、父母；The applicant's spouse, children and parents; or
（三）前項(xiàng)以外與投保人有撫養(yǎng)、贍養(yǎng)或者扶養(yǎng)關(guān)系的家庭其他成員、近親屬。
Other family members or close relatives, apart from the aforementioned, who have relations of fostering, supporting and maintaining with the applicant.
除前款規(guī)定外，被保險(xiǎn)人同意投保人為其訂立合同的，視為投保人對被保險(xiǎn)人具有保險(xiǎn)利益。
Notwithstanding the foregoing, with the consent of the insured to enter into a contract for the insured, the applicant shall be regarded as having an insurable interest on the insured.
第五十三條 投保人申報(bào)的被保險(xiǎn)人年齡不真實(shí)，并且其真實(shí)年齡不符合合同約定的年齡限制的，保險(xiǎn)人可以解除合同，并在扣除手續(xù)費(fèi)后，向投保人退還保險(xiǎn)費(fèi)，但是自合同成立之日起逾二年的除外。
Article 53 If the age of the insured is not correctly given by the applicant, and the actual age of the insured does not fall within the age range specified by the contract, the insurer may terminate the contract and return the premiums to the applicant after deducting expenses therefrom. However, this does not apply to contracts which have been in force for two (2) years or more.
投保人申報(bào)的被保險(xiǎn)人年齡不真實(shí)，致使投保人支付的保險(xiǎn)費(fèi)少于應(yīng)付保險(xiǎn)費(fèi)的，保險(xiǎn)人有權(quán)更正并要求投保人補(bǔ)交保險(xiǎn)費(fèi)，或者在給付保險(xiǎn)金時(shí)按照實(shí)付保險(xiǎn)費(fèi)與應(yīng)付保險(xiǎn)費(fèi)的比例支付。
In the event that the applicant has misstated the age of the insured, thus underpaying the premiums, then the insurer shall have the right to correct the misstatement and request the applicant to pay the balance, or to reduce the payment of the insurance benefits in proportion to the amount of premiums actually paid to the amount that should have been paid.
投保人申報(bào)的被保險(xiǎn)人年齡不真實(shí)，致使投保人實(shí)付保險(xiǎn)費(fèi)多于應(yīng)付保險(xiǎn)費(fèi)的，保險(xiǎn)人應(yīng)當(dāng)將多收的保險(xiǎn)費(fèi)退還投保人。
In the event that the applicant has misstated the age of the insured, thus overpaying the premiums, then the insurer shall return the overpaid portion to the applicant.
第五十四條 投保人不得為無民事行為能力人投保以死亡為給付保險(xiǎn)金條件的人身保險(xiǎn)，保險(xiǎn)人也不得承保。
Article 54 An applicant shall not apply for and the insurer shall not underwrite an insurance of persons that stipulates death as a prerequisite for the payment of the insurance benefits on a person without civil legal capacity.
父母為其未成年子女投保的人身保險(xiǎn)，不受前款規(guī)定限制，但是死亡給付保險(xiǎn)金額總和不得超過金融監(jiān)督管理部門規(guī)定的限額。
The restriction stipulated in the preceding paragraph shall not apply to the case where parents apply for insurance of persons on minor children. However, the total amount of the death benefits shall not exceed the limit as stipulated by the financial supervision and regulation department.
第五十五條 以死亡為給付保險(xiǎn)金條件的合同，未經(jīng)被保險(xiǎn)人書面同意并認(rèn)可保險(xiǎn)金額的，合同無效。
Article 55 A contract stipulating death as the prerequisite for the payment of the insurance benefits is not valid unless its amount is consented to in writing by the insured.
依照以死亡為給付保險(xiǎn)金條件的合同所簽發(fā)的保險(xiǎn)單，未經(jīng)被保險(xiǎn)人書面同意，不得轉(zhuǎn)讓或者質(zhì)押。
An insurance policy stipulating death as the prerequisite for the payment of the insurance benefits shall not be transferred or mortgaged without the written consent of the insured.
父母為其未成年子女投保的人身保險(xiǎn)，不受第一款規(guī)定限制。
If parents apply for an insurance of persons on their minor children, the restriction stipulated in paragraph one of this Article shall not apply.
第五十六條 投保人于合同成立后，可以向保險(xiǎn)人一次支付全部保險(xiǎn)費(fèi)，也可以按照合同約定分期支付保險(xiǎn)費(fèi)。
Article 56 After the establishment of the contract, the applicant may pay the premium by a single premium or by installments in accordance with the terms of the contract.
合同約定分期支付保險(xiǎn)費(fèi)的，投保人應(yīng)當(dāng)于合同成立時(shí)支付首期保險(xiǎn)費(fèi)，并應(yīng)當(dāng)按期支付其余各期的保險(xiǎn)費(fèi)。
If the contract stipulates that the premium is to be paid by installments, the applicant shall pay the first installment at the inception of the contract and the other installments as scheduled.
第五十七條 合同約定分期支付保險(xiǎn)費(fèi)，投保人支付首期保險(xiǎn)費(fèi)后，除合同另有約定外，投保人超過規(guī)定的期限六十日未支付當(dāng)期保險(xiǎn)費(fèi)的，合同效力中止，或者由保險(xiǎn)人按照合同約定的條件減少保險(xiǎn)金額。
Article 57 If the contract specifies payment of the premiums by installments and the applicant has paid the first installment but fails to pay any subsequent installments within a sixty (60) days grace period, the contract shall lapse, or the insurer shall reduce the insured amount in accordance with the contract, unless specified otherwise in the contract.
第五十八條 依照前條規(guī)定合同效力中止的，經(jīng)保險(xiǎn)人與投保人協(xié)商并達(dá)成協(xié)議，在投保人補(bǔ)交保險(xiǎn)費(fèi)后，合同效力恢復(fù)。但是，自合同效力中止之日起二年內(nèi)雙方未達(dá)成協(xié)議的，保險(xiǎn)人有權(quán)解除合同。
Article 58 A contract which lapses in accordance with the preceding Article can be reinstated provided that the insurer and the applicant have reached an agreement and that the applicant has paid the outstanding premiums. However, the insurer has the right to terminate the contract if no agreement has been reached by both parties within two (2) years from the date of the lapse of the contract.
保險(xiǎn)人依照前款規(guī)定解除合同，投保人已交足二年以上保險(xiǎn)費(fèi)的，保險(xiǎn)人應(yīng)當(dāng)按照合同約定退還保險(xiǎn)單的現(xiàn)金價(jià)值；投保人未交足二年保險(xiǎn)費(fèi)的，保險(xiǎn)人應(yīng)當(dāng)在扣除手續(xù)費(fèi)后，退還保險(xiǎn)費(fèi)。
When an insurer terminates the contract in accordance with the preceding paragraph, and the applicant has paid the premiums for two years or more, the insurer shall return the cash value of the policy to the applicant in accordance with the contract. In the event that the applicant has paid the premiums for less than two years , the insurer shall return the premiums to the applicant with the expenses deducted therefrom.
第五十九條 保險(xiǎn)人對人身保險(xiǎn)的保險(xiǎn)費(fèi)，不得用訴訟方式要求投保人支付。
Article 59 The insurer shall not resort to legal proceeding to demand the payment of the insurance premiums of insurance of persons from the applicant.
第六十條 人身保險(xiǎn)的受益人由被保險(xiǎn)人或者投保人指定。
Article 60 The beneficiary of the insurance of persons shall be designated by the insured or the applicant.
投保人指定受益人時(shí)須經(jīng)被保險(xiǎn)人同意。
The designation of the beneficiary by the applicant is subject to the approval of the insured.
被保險(xiǎn)人為無民事行為能力人或者限制民事行為能力人的，可以由其監(jiān)護(hù)人指定受益人。
If the insured is a person without civil legal capacity or a person with limited civil legal capacity, the beneficiary may be designated by the guardian of the insured.
第六十一條 被保險(xiǎn)人或者投保人可以指定一人或者數(shù)人為受益人。
Article 61 The insured or the applicant may designate one or more persons as the beneficiaries.
受益人為數(shù)人的，被保險(xiǎn)人或者投保人可以確定受益順序和受益份額；未確定受益份額的，受益人按照相等份額享有受益權(quán)。
In the event that there is more than one beneficiary, the insured or the applicant may specify the order of distribution of the payment of the insurance benefits and their respective proportions; in the absence of such specifications on proportions, all the beneficiaries shall share the benefits on an equal basis.
第六十二條 被保險(xiǎn)人或者投保人可以變更受益人并書面通知保險(xiǎn)人。保險(xiǎn)人收到變更受益人的書面通知后，應(yīng)當(dāng)在保險(xiǎn)單上批注。
Article 62 The insured or the applicant may change the beneficiary by a written notice to the insurer. The insurer shall endorse the change on the policy upon receipt of the notice.
投保人變更受益人時(shí)須經(jīng)被保險(xiǎn)人同意。
The applicant may change the beneficiary subject to the consent of the insured.
第六十三條 被保險(xiǎn)人死亡后，遇有下列情形之一的，保險(xiǎn)金作為被保險(xiǎn)人的遺產(chǎn)，由保險(xiǎn)人向被保險(xiǎn)人的繼承人履行給付保險(xiǎn)金的義務(wù)：
Article 63 In the event of the death of the insured, the payment of the insurance benefits shall be treated as part of the estate of the insured, and the insurer shall pay the insurance benefits to the legal heirs of the insured, if :
（一）沒有指定受益人的；there is no designated beneficiary ;
（二）受益人先于被保險(xiǎn)人死亡，沒有其他受益人的；
the beneficiary dies before the insured without other beneficiary being designated ; or
（三）受益人依法喪失受益權(quán)或者放棄受益權(quán)，沒有其他受益人的。
the beneficiary forfeits or surrenders his/her right as such in accordance with laws without other beneficiary being designated.
第六十四條 投保人、受益人故意造成被保險(xiǎn)人死亡、傷殘或者疾病的，保險(xiǎn)人不承擔(dān)給付保險(xiǎn)金的責(zé)任。投保人已交足二年以上保險(xiǎn)費(fèi)的，保險(xiǎn)人應(yīng)當(dāng)按照合同約定向其他享有權(quán)利的受益人退還保險(xiǎn)單的現(xiàn)金價(jià)值。
Article 64 In the event that the applicant or the beneficiary have intentionally caused the death, disability or illness of the insured, the insurer shall bear no obligation for payment of the insurance benefits. In the event that the applicant has paid premiums for two (2) years or more, the insurer shall, in accordance with the contract, return the cash value of the policy to other beneficiaries, if any.
受益人故意造成被保險(xiǎn)人死亡或者傷殘的，或者故意殺害被保險(xiǎn)人未遂的，喪失受益權(quán)。
If the beneficiary has intentionally caused the death or disability of the insured, or attempted to cause the death of the insured or the beneficiary shall lose his/her right to claim the insurance benefits.
第六十五條 以死亡為給付保險(xiǎn)金條件的合同，被保險(xiǎn)人自殺的，除本條第二款規(guī)定外，保險(xiǎn)人不承擔(dān)給付保險(xiǎn)金的責(zé)任，但對投保人已支付的保險(xiǎn)費(fèi)，保險(xiǎn)人應(yīng)按照保險(xiǎn)單退還其現(xiàn)金價(jià)值。
Article 65 When a contract stipulates death as the prerequisite for the payment of the insurance benefits then the insurer shall have no obligation for the payment of the insurance benefits if the insured commits suicide, except for the event stipulated in paragraph two of this Article. However, the insurer shall, in respect of the insurance premium already paid by the applicant, return the cash value of the policy in accordance with the terms of the contract.
以死亡為給付保險(xiǎn)金條件的合同，自成立之日起滿二年后，如果被保險(xiǎn)人自殺的，保險(xiǎn)人可以按照合同給付保險(xiǎn)金。
When a contract stipulates death as a prerequisite for the payment of the insurance benefits, the insurer may effect the payment of the insurance benefits in accordance with the contract if the insured commits suicide two (2) years or more after the formation of the contract.
第六十六條 被保險(xiǎn)人故意犯罪導(dǎo)致其自身傷殘或者死亡的，保險(xiǎn)人不承擔(dān)給付保險(xiǎn)金的責(zé)任。投保人已交足二年以上保險(xiǎn)費(fèi)的，保險(xiǎn)人應(yīng)當(dāng)按照保險(xiǎn)單退還其現(xiàn)金價(jià)值。
Article 66 In the event that the insured has died or was disabled as a result of intentionally committing a crime, the insurer shall have no obligation to effect the payment of the insurance benefits. If, however, the applicant has paid premiums for two (2) years or more, the insurer shall return the cash value of the policy to the insured in accordance with the contract.
第六十七條 人身保險(xiǎn)的被保險(xiǎn)人因第三者的行為而發(fā)生死亡、傷殘或者疾病等保險(xiǎn)事故的，保險(xiǎn)人向被保險(xiǎn)人或者受益人給付保險(xiǎn)金后，不得享有向第三者追償?shù)臋?quán)利。
Article 67 If the insured suffers from death, disability, or illness as a result of a third party's conduct, the insurer shall have no right of subrogation against the third party after the payment of the insurance benefits.
第六十八條 投保人解除合同，已交足二年以上保險(xiǎn)費(fèi)的，保險(xiǎn)人應(yīng)當(dāng)自接到解除合同通知之日起三十日內(nèi)，退還保險(xiǎn)單的現(xiàn)金價(jià)值；未交足二年保險(xiǎn)費(fèi)的，保險(xiǎn)人按照合同約定在扣除手續(xù)費(fèi)后，退還保險(xiǎn)費(fèi)。
Article 68 If an applicant who has already paid in full the insurance premiums for two (2) years or more, terminates the contract, then the insurer shall return the cash value of the policy within thirty (30) days after the receipt of the notice of termination in accordance with the contract. If the applicant has paid the insurance premiums for less then two (2) years, then the insurer shall return the remaining premiums after deducting expenses in accordance with the contract.
第三章 保險(xiǎn)公司Insurance Company
第六十九條 保險(xiǎn)公司應(yīng)當(dāng)采取下列組織形式：
Article 69 An insurance company shall be established as either:
（一）股份有限公司；a stock company with limited liability; or
（二）國有獨(dú)資公司。a solely state-owned enterprise.
第七十條 設(shè)立保險(xiǎn)公司，必須經(jīng)金融監(jiān)督管理部門批準(zhǔn)。
Article 70 The establishment of an insurance company is subject to the approval of the financial supervision and regulation department.
第七十一條 設(shè)立保險(xiǎn)公司，應(yīng)當(dāng)具備下列條件：
Article 71 To establish an insurance company, the following are required:
（一）有符合本法和公司法規(guī)定的章程；
Articles of Association in compliance with this Law and the Company Law;
（二）有符合本法規(guī)定的注冊資本最低限額；
a minimum registered capital as prescribed in this Law;
（三）有具備任職專業(yè)知識和業(yè)務(wù)工作經(jīng)驗(yàn)的高級管理人員；
senior management with professional knowledge and operational experience;
（四）有健全的組織機(jī)構(gòu)和管理制度；
a sound organizational structure and management systems; and
（五）有符合要求的營業(yè)場所和與業(yè)務(wù)有關(guān)的其他設(shè)施。
business premises and other facilities commensurate with an insurance business in compliance with relevant operational requirements.
金融監(jiān)督管理部門審查設(shè)立申請時(shí)，應(yīng)當(dāng)考慮保險(xiǎn)業(yè)的發(fā)展和公平競爭的需要。
When reviewing the application for the establishment of an insurance company, the financial supervision and regulation department shall take into consideration the development of the insurance industry and the need for fair competition.
第七十二條 設(shè)立保險(xiǎn)公司，其注冊資本的最低限額為人民幣二億元。
Article 72 The minimum amount of registered capital required for the establishment of an insurance company is Renminbi two hundred million yuan (RMB 200,000,000).
保險(xiǎn)公司注冊資本最低限額必須為實(shí)繳貨幣資本。
The minimum amount of registered capital for the establishment of an insurance company shall be fully paid-up in monetary form.
金融監(jiān)督管理部門根據(jù)保險(xiǎn)公司業(yè)務(wù)范圍、經(jīng)營規(guī)模，可以調(diào)整其注冊資本的最低限額。但是，不得低于第一款規(guī)定的限額。
The financial supervision and regulation department may adjust the amount of the minimum registered capital, in accordance with the proposed scope of business and scale of operations; however, the minimum capital shall not be less than the amount stipulated in the first paragraph of this Article.
第七十三條 申請?jiān)O(shè)立保險(xiǎn)公司，應(yīng)當(dāng)提交下列文件、資料：
Article 73 For the establishment of an insurance company, the applicant shall submit the following documents and materials:
（一）設(shè)立申請書，申請書應(yīng)當(dāng)載明擬設(shè)立的保險(xiǎn)公司的名稱、注冊資本、業(yè)務(wù)范圍等；
a formal application letter for the establishment of an insurance company on which the name, registered capital and the scope of business of the proposed insurance company shall be specified;
（二）可行性研究報(bào)告；a feasibility study report; and
（三）金融監(jiān)督管理部門規(guī)定的其他文件、資料。
other documents and information requested by the financial supervision and regulation department.
第七十四條 設(shè)立保險(xiǎn)公司的申請經(jīng)初步審查合格后，申請人應(yīng)當(dāng)依照本法和公司法的規(guī)定進(jìn)行保險(xiǎn)公司的籌建。具備本法第七十一條規(guī)定的設(shè)立條件的，向金融監(jiān)督管理部門提交正式申請表和下列有關(guān)文件、資料：
Article 74 After the application of the establishment of an insurance company has initially been reviewed and approved, the applicant shall begin preparing for the establishment of the insurance company in accordance with this Law and the Company Law. Applicants who meet the requirements of establishment stipulated in Article 71 of this Law shall submit to the financial supervision and regulation department a completed form of formal application form together with the following documents and information:
（一）保險(xiǎn)公司的章程；the Articles of Association of the proposed insurance company;
（二）股東名冊及其股份或者出資人及其出資額；
a list of shareholders and their shares, or the investors and the amount of their investment;
（三）持有公司股份百分之十以上的股東的資信證明和有關(guān)資料；
a certificate of the credit standing and relevant information of those shareholders holding more than ten (10) percent of the company's shares;
（四）法定驗(yàn)資機(jī)構(gòu)出具的驗(yàn)資證明；
a certificate verifying the paid-up capital issued by a legally authorized institution;
（五）擬任職的高級管理人員的簡歷和資格證明；
resumes and evidence of qualification of the proposed senior management;
（六）經(jīng)營方針和計(jì)劃；operation strategy and business plan;
（七）營業(yè)場所和與業(yè)務(wù)有關(guān)的其他設(shè)施的資料；
details of business premises and other facilities commensurate with an insurance business; and
（八）金融監(jiān)督管理部門規(guī)定的其他文件、資料。
other documents and information requested by the financial supervision and regulation department.
第七十五條 金融監(jiān)督管理部門自收到設(shè)立保險(xiǎn)公司的正式申請文件之日起六個(gè)月內(nèi)，應(yīng)當(dāng)作出批準(zhǔn)或者不批準(zhǔn)的決定。
Article 75 The financial supervision and regulation department shall make a decision approving or disapproving the application, within six (6) months from the date of the receipt of the formal application to establish an insurance company.
第七十六條 經(jīng)批準(zhǔn)設(shè)立的保險(xiǎn)公司，由批準(zhǔn)部門頒發(fā)經(jīng)營保險(xiǎn)業(yè)務(wù)許可證，并憑經(jīng)營保險(xiǎn)業(yè)務(wù)許可證向工商行政管理機(jī)關(guān)辦理登記，領(lǐng)取營業(yè)執(zhí)照。
Article 76 An insurance company which is granted approval shall be issued an insurance license by the approving department which shall be used to make registration with and obtain a business license from the Bureau of Administration for Industry and Commerce.
第七十七條 保險(xiǎn)公司自取得經(jīng)營保險(xiǎn)業(yè)務(wù)許可證之日起六個(gè)月內(nèi)無正當(dāng)理由未辦理公司設(shè)立登記的，其經(jīng)營保險(xiǎn)業(yè)務(wù)許可證自動(dòng)失效。
Article 77 The insurance license will automatically become null and void if the insurance company fails to complete the company registration without any proper reasons, within six (6) months from the date of the receipt of the insurance license.
第七十八條 保險(xiǎn)公司成立后應(yīng)當(dāng)按照其注冊資本總額的百分之二十提取保證金，存入金融監(jiān)督管理部門指定的銀行，除保險(xiǎn)公司清算時(shí)用于清償債務(wù)外，不得動(dòng)用。
Article 78 Upon its establishment, an insurance company shall deposit twenty percent (20 %) of its total registered capital with a bank designated by the financial supervision and regulation department as guarantee fund; this guarantee fund shall not be used except for covering debts when the company is liquidated.
第七十九條 保險(xiǎn)公司在中華人民共和國境內(nèi)外設(shè)立分支機(jī)構(gòu)，須經(jīng)金融監(jiān)督管理部門批準(zhǔn)，取得分支機(jī)構(gòu)經(jīng)營保險(xiǎn)業(yè)務(wù)許可證。
Article 79 An insurance company requires the approval of the financial supervision and regulation department before establishing any branch offices within and without the territory of the PRC and shall obtain insurance license for these branch offices.
保險(xiǎn)公司分支機(jī)構(gòu)不具有法人資格，其民事責(zé)任由保險(xiǎn)公司承擔(dān)。
The branch offices of an insurance company do not possess the status of a legal person, and the civil liability shall be borne by the insurance company.
第八十條 保險(xiǎn)公司在中華人民共和國境內(nèi)外設(shè)立代表機(jī)構(gòu)，須經(jīng)金融監(jiān)督管理部門批準(zhǔn)。
Article 80 The establishment of a representative office by an insurance company within or without the territory of the PRC is subject to the approval of the financial supervision and regulation department.
第八十一條 保險(xiǎn)公司有下列變更事項(xiàng)之一的，須經(jīng)金融監(jiān)督管理部門批準(zhǔn)：
Article 81 Any of the following changes to an insurance company is subject to approval by the financial supervision and regulation department:
（一）變更名稱；change of the name of the insurance company;
（二）變更注冊資本；change in the amount of the registered capital;
（三）變更公司或者分支機(jī)構(gòu)的營業(yè)場所；
change of business premises of the company or its branch offices;
（四）調(diào)整業(yè)務(wù)范圍；change of the scope of the business;
（五）公司分立或者合并；division or merger of the insurance company;
（六）修改公司章程；amendment to its Articles of Association;
（七）變更出資人或者持有公司股份百分之十以上的股東；
change of investors or shareholder who hold more than ten percent of the company's shares; or
（八）金融監(jiān)督管理部門規(guī)定的其他變更事項(xiàng)。
Other amendments as specified by the financial supervision and regulation department.
保險(xiǎn)公司更換董事長、總經(jīng)理，應(yīng)當(dāng)報(bào)經(jīng)金融監(jiān)督管理部門審查其任職資格。
An insurance company shall report any changes of its Chairman and General Manager to the financial supervision and regulation department for examination of their qualifications for the positions.
