商法__人身保险

PersonalinsuranceConcept•Personalinsuranceisinsuranceunderwhichthesubjectmatterofinsuranceisthelifeandbodyofaperson.•人身保险是以人的寿命和身体为保险标的的保险。Form•Aninsurancecontractshallcontainthefollowing:•保险合同应当包括下列事项：•1.Nameanddomicileoftheinsurer;•（一）保险人的名称和住所；•2.Namesanddomicilesoftheproposerandtheinsured,aswellasthenameanddomicileofthebeneficiaryinthecaseofpersonalinsurance;（二）投保人、被保险人的姓名或者名称、住所，以及人身保险的受益人的姓名或者名称、住所；•3.Thesubjectmatterofinsurance;•（三）保险标的；•4.Insuranceliabilityandliabilityexemptions;（四）保险责任和责任免除；•5.Termandstartingdateofcoverage;•（五）保险期间和保险责任开始时间；•6.Theinsuredamount;•（六）保险金额；•7.Insurancepremiumandthepaymentmethod;•（七）保险费以及支付办法•8.Methodforpaymentofindemnitiesorinsurancebenefits;•（八）保险金赔偿或者给付办法；•9.Liabilityforbreachofcontractanddisputeresolution;and•（九）违约责任和争议处理；•10.Dateofconclusionofcontract.•（十）订立合同的年、月、日。•Theproposerandtheinsurermayagreeuponothermattersrelatingtotheinsurance.•投保人和保险人可以约定与保险有关的其他事项。•PersonalInsuranceContract人身保险合同Abeneficiaryreferstoapersonwhohasbeendesignatedbytheinsuredortheinsuranttoenjoytherighttoinsuranceclaims.•受益人是指一个人已经指定被保险人或被保险人享受保险索赔的权利。Theinsurantortheinsuredmaybethebeneficiary.Inappointingbeneficiaries,theinsurantshallgettheapprovaloftheinsured.•投保人或被保险人可以是受益人。在指定受益人,投保人必须经被保险人同意。•Iftheinsuredisapersonincapableofcivilactsorwhosecapabilityofcivilactsisrestricted,theguardianshallappointthebeneficiaries.•如果被保险人是一个无民事行为能力或限制民事行为能力人,监护人应指定受益人。•PersonalInsuranceContract•Article31•Aproposershallhaveaninsurableinterestinthefollowingpersons:•1.him/herself;•2.his/herspouse,childrenorparents;•3.otherfamilymembersorcloserelatives,inadditiontothoseaforementioned,whohaveafoster,supportormaintenancerelationshipwiththeproposer;and•4.employeeswhohaveanemploymentrelationshipwiththeproposer.•第三十一条投保人对下列人员具有保险利益：•（一）本人；•（二）配偶、子女、父母；•（三）前项以外与投保人有抚养、赡养或者扶养关系的家庭其他成员、近亲属；•（四）与投保人有劳动关系的劳动者。•Inadditiontothecircumstancesmentionedintheprecedingparagraph,theproposershallbedeemedtohaveaninsurableinterestintheinsurediftheinsuredconsentstotheconclusionofthecontractbytheproposeronhis/herbehalf.•除前款规定外，被保险人同意投保人为其订立合同的，视为投保人对被保险人具有保险利益。•If,atthetimeoftheconclusionofthecontract,theproposerdoesnothaveaninsurableinterestintheinsured,thecontractshallbeinvalid.•订立合同时，投保人对被保险人不具有保险利益的，合同无效。•Iftheageoftheinsuredreportedbytheproposerisfalseandtheinsured’strueagedoesnotcomplywiththeagerestrictionspecifiedinthecontract,theinsurermayterminatethecontractandrefund,inaccordancewiththecontract,thecashvalueofthepolicy.ThethirdparagraphandsixthparagraphofArticle16hereofshallapplytotheexercisebytheinsurerofitsrighttoterminatethecontract.•投保人申报的被保险人年龄不真实，并且其真实年龄不符合合同约定的年龄限制的，保险人可以解除合同，并按照合同约定退还保险单的现金价值。保险人行使合同解除权，适用本法第十六条第三款、第六款的规定。•Iftheageoftheinsuredreportedbytheproposerisfalse,resultingintheproposerpayingalowerinsurancepremiumthantheinsurancepremiumthatshouldhavebeenpaid,theinsurershallhavetherighttocorrectthesameandrequesttheproposertomakeupforthepremiuminshort,or,whenpayinginsurancebenefits,disbursethesameinproportiontothepercentageoftheinsurancepremiumthatshouldhavebeenpaidaccountedforbytheinsurancepremiumactuallypaid.•投保人申报的被保险人年龄不真实，致使投保人支付的保险费少于应付保险费的，保险人有权更正并要求投保人补交保险费，或者在给付保险金时按照实付保险费与应付保险费的比例支付。•Iftheageoftheinsuredreportedbytheproposerisfalse,resultingintheproposerpayingahigherinsurancepremiumthantheinsurancepremiumthatshouldhavebeenpaid,theinsurershallrefundtheexcesspremiumtotheproposer.•投保人申报的被保险人年龄不真实，致使投保人支付的保险费多于应付保险费的，保险人应当将多收的保险费退还投保人。•Article33Aproposermaynottakeoutapersonalinsurancepolicystipulatingdeathasaconditionforpaymentofinsurancebenefitsforapersonwithoutcapacityforcivilacts,andaninsurermaynotinsurethesame.proposern.投保人takeout办理(保险)手续personalinsurance人身保险stipulating......asacondition以.......为条件apersonwithoutcapacityforcivilacts无民事行为能力人第三十三条投保人不得为无民事行为能力人投保以死亡为给付保险金条件的人身保险，保险人也不得承保。•Therestrictionsoftheprecedingparagraphshallnotapplytopersonalinsurancepoliciestakenoutbyparentsfortheirminorchildren.However,thetotaloftheinsurancebenefitspayableuponthedeathoftheinsuredmaynotexceedthelimitspecifiedbytheStateCouncil’sinsuranceregulatoryauthority.precedingadj.前述的applyto.......适用于.......•minorchildren未成年子女•payupon以......为支付条件•insurancebenefits保险利益•exceedthelimit超过限制specifyv.详细说明•theStateCouncil’sinsuranceregulatoryauthority.•（国务院监督管理机构)•父母为其未成年子女投保的人身保险，不受前款规定限制。但是，因被保险人死亡给付的保险金总和不得超过国务院保险监督管理机构规定的限额。•Article34•Acontractstipulatingdeathasaconditionforpaymentofinsurancebenefitsshallbeinvalidwithouttheconsentoftheinsuredandhis/herapprovaloftheinsuredamount.•consentn.同意theinsured被保险人•theinsuredamount保险金额•第三十四条•以死亡为给付保险金条件的合同，未经被保险人同意并认可保险金额的，合同无效•Aninsurancepolicydocumentissuedinaccordancewithacontractstipulatingdeathasaconditionforpaymentofinsurancebenefitsmaynotbetransferredorpledgedwithoutthewrittenconsentoftheinsured.•insurancepolicydocument保险单•inaccordancewith以.......为依据•transferv.转让pledgev.质押•按照以死亡为给付保险金条件的合同所签发的保险单，未经被保险人书面同意，不得转让或者质押。•Therestrictionsofthefirstparagraphhereofshallnotapplytopersonalinsurancepoliciestakenoutbyparentsfortheirminorchildren.•hereofadv.于此；关于此点•父母为其未成年子女投保的人身保险，不受本条第一款规定限制Per