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中国法律:保险法:
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.
第一条 为了规范保险活动，保护保险活动当事人的合法权益，加强对保险业的监督管理，促进保险事业的健康发展，制定本法。
属类：法学专业-中国法律-保险法
Article 3 All insurance activities within the territory of the PRC (hereinafter referred to as "the PRC")shall be governed by this Law.
第三条 在中华人民共和国境内从事保险活动，适用本法。
属类：法学专业-中国法律-保险法
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.
第四条 从事保险活动必须遵守法律、行政法规，遵循自愿和诚实信用的原则。
属类：法学专业-中国法律-保险法
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.
第五条 经营商业保险业务，必须是依照本法设立的保险公司。其他单位和个人不得经营商业保险业务。
属类：法学专业-中国法律-保险法
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.
第六条 在中华人民共和国境内的法人和其他组织需要办理境内保险的，应当向中华人民共和国境内的保险公司投保。
属类：法学专业-中国法律-保险法
Article 7 Insurance companies shall observe the principle of fair competition when conducting insurance business and shall never engage in unfair competition.
第七条 保险公司开展业务，应当遵循公平竞争的原则，不得从事不正当竞争。
属类：法学专业-中国法律-保险法
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.
第八条 国务院金融监督管理部门依照本法负责对保险业实施监督管理。
属类：法学专业-中国法律-保险法
Article 9 An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer.
第九条 保险合同是投保人与保险人约定保险权利义务关系的协议。
属类：法学专业-中国法律-保险法
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.
投保人是指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人。
属类：法学专业-中国法律-保险法
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.
保险人是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。
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
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.
除法律、行政法规规定必须保险的以外，保险公司和其他单位不得强制他人订立保险合同。
属类：法学专业-中国法律-保险法
Article 11 An applicant shall have an insurable interest in the subject matter of the insurance.
第十一条 投保人对保险标的应当具有保险利益。
属类：法学专业-中国法律-保险法
An insurance contract is null and void if the applicant has no insurable interest in the subject matter of the insurance.
投保人对保险标的不具有保险利益的，保险合同无效。
属类：法学专业-中国法律-保险法
An insurable interest refers to the interest which the applicant has in the subject matter of the insurance and is recognized by laws.
保险利益是指投保人对保险标的具有的法律上承认的利益。
属类：法学专业-中国法律-保险法
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.
保险标的是指作为保险对象的财产及其有关利益或者人的寿命和身体。
属类：法学专业-中国法律-保险法
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
An insurance contract may take any written form other than as prescribed above, upon the mutual agreement of the applicant and the insurer.
经投保人和保险人协商同意，也可以采取前款规定以外的其他书面协议形式订立保险合同。
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 14 Unless otherwise prescribed herein, or in the insurance contract, the applicant may terminate the contract after it is formed.
第十四条 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，投保人可以解除保险合同。
属类：法学专业-中国法律-保险法
| 1 | 第一条 为了规范保险活动，保护保险活动当事人的合法权益，加强对保险业的监督管理，促进保险事业的健康发展，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. |
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| 2 | 第三条 在中华人民共和国境内从事保险活动，适用本法。 | Article 3 All insurance activities within the territory of the PRC (hereinafter referred to as "the PRC")shall be governed by this Law. |
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| 3 | 第四条 从事保险活动必须遵守法律、行政法规，遵循自愿和诚实信用的原则。 | 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. |
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| 4 | 第五条 经营商业保险业务，必须是依照本法设立的保险公司。其他单位和个人不得经营商业保险业务。 | 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. |
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| 5 | 第六条 在中华人民共和国境内的法人和其他组织需要办理境内保险的，应当向中华人民共和国境内的保险公司投保。 | 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. |
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| 6 | 第七条 保险公司开展业务，应当遵循公平竞争的原则，不得从事不正当竞争。 | Article 7 Insurance companies shall observe the principle of fair competition when conducting insurance business and shall never engage in unfair competition. |
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| 7 | 第八条 国务院金融监督管理部门依照本法负责对保险业实施监督管理。 | 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. |
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| 8 | 第九条 保险合同是投保人与保险人约定保险权利义务关系的协议。 | Article 9 An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer. |
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| 9 | 投保人是指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人。 | 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. |
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| 10 | 保险人是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。 | 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. |
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| 11 | 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。 | 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. |
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| 12 | 除法律、行政法规规定必须保险的以外，保险公司和其他单位不得强制他人订立保险合同。 | 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. |
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| 13 | 第十一条 投保人对保险标的应当具有保险利益。 | Article 11 An applicant shall have an insurable interest in the subject matter of the insurance. |
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| 14 | 投保人对保险标的不具有保险利益的，保险合同无效。 | An insurance contract is null and void if the applicant has no insurable interest in the subject matter of the insurance. |
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| 15 | 保险利益是指投保人对保险标的具有的法律上承认的利益。 | An insurable interest refers to the interest which the applicant has in the subject matter of the insurance and is recognized by laws. |
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| 16 | 保险标的是指作为保险对象的财产及其有关利益或者人的寿命和身体。 | 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. |
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| 17 | 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。 | 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. |
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| 18 | 经投保人和保险人协商同意，也可以采取前款规定以外的其他书面协议形式订立保险合同。 | An insurance contract may take any written form other than as prescribed above, upon the mutual agreement of the applicant and the insurer. |
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| 19 | 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。 | 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. |
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| 20 | 第十四条 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，投保人可以解除保险合同。 | Article 14 Unless otherwise prescribed herein, or in the insurance contract, the applicant may terminate the contract after it is formed. |
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