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.

第六十八条 　投保人解除合同，已交足二年以上保险费的，保险人应当自接到解除合同通知之日起三十日内，退还保险单的现金价值;未交足二年保险费的，保险人按照合同约定在扣除手续费后，退还保险费。

属类：法学专业-中国法律-保险法

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.

第六十二条 　被保险人或者投保人可以变更受益人并书面通知保险人。保险人收到变更受益人的书面通知后，应当在保险单上批注。

属类：法学专业-中国法律-保险法

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.

第六十六条 　被保险人故意犯罪导致其自身伤残或者死亡的，保险人不承担给付保险金的责任。投保人已交足二年以上保险费的，保险人应当按照保险单退还其现金价值。

属类：法学专业-中国法律-保险法

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.

第六十七条 　人身保险的被保险人因第三者的行为而发生死亡、伤残或者疾病等保险事故的，保险人向被保险人或者受益人给付保险金后，不得享有向第三者追偿的权利。

属类：法学专业-中国法律-保险法

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 :

第六十三条 　被保险人死亡后，遇有下列情形之一的，保险金作为被保险人的遗产，由保险人向被保险人的继承人履行给付保险金的义务:

属类：法学专业-中国法律-保险法

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.

第六十四条 　投保人、受益人故意造成被保险人死亡、伤残或者疾病的，保险人不承担给付保险金的责任。投保人已交足二年以上保险费的，保险人应当按照合同约定向其他享有权利的受益人退还保险单的现金价值。

属类：法学专业-中国法律-保险法

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.

第六十五条 　以死亡为给付保险金条件的合同，被保险人自杀的，除本条第二款规定外，保险人不承担给付保险金的责任，但对投保人已支付的保险费，保险人应按照保险单退还其现金价值。

属类：法学专业-中国法律-保险法

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.

第三十九条 　保险标的的保险价值，可以由投保人和保险人约定并在合同中载明，也可以按照保险事故发生时保险标的的实际价值确定。

属类：法学专业-中国法律-保险法

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.

第三十六条 　在合同有效期内，保险标的危险程度增加的，被保险人按照合同约定应当及时通知保险人，保险人有权要求增加保险费或者解除合同。

属类：法学专业-中国法律-保险法

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:

第三十七条 　有下列情形之一的，除合同另有约定外，保险人应当降低保险费，并按日计算退还相应的保险费:

属类：法学专业-中国法律-保险法

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.

第三十三条 　保险标的的转让应当通知保险人，经保险人同意继续承保后，依法变更合同。但是，货物运输保险合同和另有约定的合同除外。

属类：法学专业-中国法律-保险法

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.

第三十条 　对于保险合同的条款，保险人与投保人、被保险人或者受益人有争议时，人民法院或者仲裁机关应当作有利于被保险人和受益人的解释。

属类：法学专业-中国法律-保险法

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.

第三十一条 　保险人或者再保险接受人对在办理保险业务中知道的投保人、被保险人或者再保险分出人的业务和财产情况，负有保密的义务。

属类：法学专业-中国法律-保险法

Article 12. The Insured shall pay the insurance premium within the specified time. If he fails to do so, the Insurer may, depending on specific circumstances either require the Insured to pay the premium due with interest or terminate the contract of insurance.

第十二条 投保方应当按照约定的期限，交付保险费，如不按期交付保险费，保险方可以分别情况要求其交付保险费及利息或者终止保险合同。

属类：法学专业-中国法律-财产保险合同条例

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.

第十二条 　投保人提出保险要求，经保险人同意承保，并就合同的条款达成协议，保险合同成立。保险人应当及时向投保人签发保险单或者其他保险凭证，并在保险单或者其他保险凭证中载明当事人双方约定的合同内容。

属类：法学专业-中国法律-保险法

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.

第十九条 　投保人和保险人在前条规定的保险合同事项外，可以就与保险有关的其他事项作出约定。

属类：法学专业-中国法律-保险法

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.

第十六条 　订立保险合同，保险人应当向投保人说明保险合同的条款内容，并可以就保险标的或者被保险人的有关情况提出询问，投保人应当如实告知。

属类：法学专业-中国法律-保险法

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.

第十七条 　保险合同中规定有关于保险人责任免除条款的，保险人在订立保险合同时应当向投保人明确说明，未明确说明的，该条款不产生效力。

属类：法学专业-中国法律-保险法

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.

第十三条 　保险合同成立后，投保人按照约定交付保险费;保险人按照约定的时间开始承担保险责任。

属类：法学专业-中国法律-保险法

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.

第十条 　投保人和保险人订立保险合同，应当遵循公平互利、协商一致、自愿订立的原则，不得损害社会公共利益。

属类：法学专业-中国法律-保险法

Article 15 Unless otherwise prescribed herein, or in the insurance contract, the insurer may not terminate the contract after it is formed.

第十五条 　除本法另有规定或者保险合同另有约定外，保险合同成立后，保险人不得解除保险合同。

属类：法学专业-中国法律-保险法

Article 11. With the exception of the cargo transportation policy or certificate of insurance which may be transferred by the Insured by endorsement without the necessity of obtaining the approval of the Insurer the insurance shall terminate at the time of the transfer, assignment or sale of the subject-matter insured unless prior written notice is given to the Insurer and his consent obtained, with the policy or the certificate of insurance duly endorsed.

第十一条 除货物运输保险的保险单或者保险凭证可由投保方背书转让，毋须征得保险方同意外，其他保险标准的过户、转让或者出售，事先应当书面通知保险方，经保险方同意并将保险单或者保险凭证批改后方为有效， 否则从保险标准的过户、 转让或者出售时起，保险责任即行终止。

属类：法学专业-中国法律-财产保险合同条例

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.

第四十八条 　保险人、被保险人为查明和确定保险事故的性质、原因和保险标的的损失程度所支付的必要的、合理的费用，由保险人承担。

属类：法学专业-中国法律-保险法

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.

第四十九条 　保险人对责任保险的被保险人给第三者造成的损害，可以依照法律的规定或者合同的约定，直接向该第三者赔偿保险金。

属类：法学专业-中国法律-保险法

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.

第四十六条 　除被保险人的家庭成员或者其组成人员故意造成本法第四十四条第一款规定的保险事故以外，保险人不得对被保险人的家庭成员或者其组成人员行使代位请求赔偿的权利。

属类：法学专业-中国法律-保险法

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.

第四十七条 　在保险人向第三者行使代位请求赔偿权利时，被保险人应当向保险人提供必要的文件和其所知道的有关情况。

属类：法学专业-中国法律-保险法

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.

第四十三条 　保险事故发生后，保险人已支付了全部保险金额，并且保险金额相等于保险价值的，受损保险标的的全部权利归于保险人;保险金额低于保险价值的，保险人按照保险金额与保险价值的比例取得受损保险标的的部分权利。

属类：法学专业-中国法律-保险法

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.

第四十四条 　因第三者对保险标的的损害而造成保险事故的，保险人自向被保险人赔偿保险金之日起，在赔偿金额范围内代位行使被保险人对第三者请求赔偿的权利。

属类：法学专业-中国法律-保险法

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.

第四十五条 　保险事故发生后，保险人未赔偿保险金之前，被保险人放弃对第三者的请求赔偿的权利的，保险人不承担赔偿保险金的责任。

属类：法学专业-中国法律-保险法

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.

第五十八条 　依照前条规定合同效力中止的，经保险人与投保人协商并达成协议，在投保人补交保险费后，合同效力恢复。但是，自合同效力中止之日起二年内双方未达成协议的，保险人有权解除合同。

属类：法学专业-中国法律-保险法