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1、Personal insurance,Concept,Personal insurance is insurance under which the subject matter of insurance is the life and body of a person. 人身保险是以人的寿命和身体为保险标的的保险。,Form,An insurance contract shall contain the following: 保险合同应当包括下列事项： 1. Name and domicile of the insurer; （一）保险人的名称和住所； 2. Names and domici
2、les of the proposer and the insured, as well as the name and domicile of the beneficiary in the case of personal insurance; （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. The subject matter of insurance; （三）保险标的； 4. Insurance liability and liability exemptions; （四）保险责任和责任免除； 5. Term and starting dat
3、e of coverage; （五）保险期间和保险责任开始时间； 6. The insured amount; （六）保险金额； 7. Insurance premium and the payment method; （七）保险费以及支付办法,8. Method for payment of indemnities or insurance benefits; （八）保险金赔偿或者给付办法； 9. Liability for breach of contract and dispute resolution; and （九）违约责任和争议处理； 10. Date of conclusion
4、of contract. （十）订立合同的年、月、日。,The proposer and the insurer may agree upon other matters relating to the insurance. 投保人和保险人可以约定与保险有关的其他事项。,Personal Insurance Contract 人身保险合同A beneficiary refers to a person who has been designated by the insured or the insurant to enjoy the right to insurance claims.受益人
5、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。The insurant or the insured may be the beneficiary.In appointing beneficiaries ,the insurant shall get the approval of the insured .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。If the insured is a person incapable of civil acts or whose capability of civil acts is restricted ,the g
6、uardian shall appoint the beneficiaries .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。,Personal Insurance Contract Article 31 A proposer shall have an insurable interest in the following persons:1. him/herself;2. his/her spouse, children or parents;3. other family members or close relatives, in addition to
7、those aforementioned, who have a foster, support or maintenance relationship with the proposer; and4. employees who have an employment relationship with the proposer.,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。,In addition to the circumstances ment
8、ioned in the preceding paragraph, the proposer shall be deemed to have an insurable interest in the insured if the insured consents to theconclusion of the contract by the proposer on his/her behalf.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, at the time of the conclusion of the contract, the propo
9、ser does not have an insurable interest in the insured, the contract shall be invalid.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。,If the age of the insured reported by the proposer is false and the insureds true age does not comply with the age restriction specified in the contract, the insurer may terminate the c
10、ontract and refund, in accordance with the contract, the cash value of the policy. The third paragraph and sixth paragraph of Article 16 hereof shall apply to the exercise by the insurer of its right to terminate the contract.,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
11、除权，适用本法第十六条第三款、第六款的规定。,If the age of the insured reported by the proposer is false, resulting in the proposer paying a lower insurance premium than the insurance premium that should have been paid, the insurer shall have the right to correct the same and request the proposer to make up for the premi
12、um in short, or, when paying insurance benefits, disburse the same in proportion to the percentage of the insurance premium that should have been paid accounted for by the insurance premium actually paid.,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。,If the age
13、of the insured reported by the proposer is false, resulting in the proposer paying a higher insurance premium than the insurance premium that should have been paid, the insurer shall refund the excess premium to the proposer. 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。,Article 33 A propos
14、er may not take out a personal insurance policy stipulating death as a condition for payment of insurance benefits for a person without capacity for civil acts, and an insurer may not insure the same. proposer n.投保人 take out 办理(保险)手续 personal insurance 人身保险 stipulating as a condition 以.为条件 a person
15、without capacity for civil acts 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。,The restrictions of the preceding paragraph shall not apply to personal insurance policies taken out by parents for their minor children. However, the total of the insurance benefits payable upon the death of t
16、he insured may not exceed the limit specified by the State Councils insurance regulatory authority.preceding adj.前述的 apply to . 适用于.minor children 未成年子女pay upon 以为支付条件 insurance benefits 保险利益exceed the limit 超过限制 specify v.详细说明the State Councils insurance regulatory authority. （ 国务院监督管理机构)父母为其未成年子女投
17、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。,Article 34 A contract stipulating death as a condition for payment of insurance benefits shall be invalid without the consent of the insured and his/her approval of the insured amount.consent n.同意 the insured 被保险人the insured amount 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,
