>>>welcome visitor, haven't logged in. Login
Subscribe Now Contact us  
Font Size:  A A A Search “Fabao” Window English 中文 = 简体  繁体
  Favorite   DownLoad   Print
 
Interpretation (IV) of the Supreme People's Court on Several Issues concerning the Application of the Insurance Law of the People's Republic of China [Revised]
最高人民法院关于适用《中华人民共和国保险法》若干问题的解释(四) [已被修订]
【法宝引证码】

Announcement of the Supreme People's Court 

最高人民法院公告

The Interpretation (IV) of the Supreme People's Court on Several Issues concerning the Application of the Insurance Law of the People's Republic of China, as adopted at the 1738th session of the Judicial Committee of the Supreme People's Court on May 14, 2018, is hereby issued, and shall come into force on September 1, 2018. 《最高人民法院关于适用〈中华人民共和国保险法〉若干问题的解释(四)》已于2018年5月14日由最高人民法院审判委员会第1738次会议通过,现予公布,自2018年9月1日起施行。
Supreme People's Court 最高人民法院
July 31, 2018 2018年7月31日
Interpretation (IV) of the Supreme People's Court on Several Issues concerning the Application of the Insurance Law of the People's Republic of China 最高人民法院关于适用《中华人民共和国保险法》若干问题的解释(四)
(Adopted at the 1738th session of the Judicial Committee of the Supreme People's Court on May 14, 2018, and coming into force on September 1, 2018, Interpretation No. 13 [2018] of the Supreme People's Court) (2018年5月14日最高人民法院审判委员会第1738次会议通过,自2018年9月1日起施行 法释〔2018〕13号)
For the purpose of correctly trying cases of disputes over insurance contracts and effectively protecting the lawful rights and interests of the parties, in accordance with the provisions of the Insurance Law of the People's Republic of China, the Contract Law of the People's Republic of China, the Civil Procedure Law of the People's Republic of China and other laws, and in consideration of trial practice, the interpretation on issues concerning the application of the Insurance Law relating to property insurance contracts is hereby made as follows: 为正确审理保险合同纠纷案件,切实维护当事人的合法权益,根据《中华人民共和国保险法》《中华人民共和国合同法》《中华人民共和国民事诉讼法》等法律规定,结合审判实践,就保险法中财产保险合同部分有关法律适用问题解释如下:
Article 1 Where the subject matter insured has been delivered to the assignee and the assignee that assumes the risk of destruction or loss of the subject matter insured claims the exercise of rights of the insured in accordance with the provisions of Articles 48 and 49 of the Insurance Law, although the assignee has not undergone ownership modification registration in accordance with the law, the people's court shall support such a claim.   第一条 保险标的已交付受让人,但尚未依法办理所有权变更登记,承担保险标的毁损灭失风险的受让人,依照保险法四十八条、第四十九条的规定主张行使被保险人权利的,人民法院应予支持。
Article 2 Where the insurer has performed the obligation of making a warning and explicit explanation to the insurance applicant as prescribed by the Insurance Law, and the assignee of the subject matter insured claims that the clauses exempting the insurer from liability shall not be effective on the ground that the insurer fails to make a warning or explicit explanation to it after the assignment of the subject matter insured, the people's court shall not support a claim.   第二条 保险人已向投保人履行了保险法规定的提示和明确说明义务,保险标的受让人以保险标的转让后保险人未向其提示或者明确说明为由,主张免除保险人责任的条款不生效的,人民法院不予支持。
Article 3 Where the insured dies and a party succeeding to the subject matter insured claims the succession to the rights and obligations of the insured, the people's court shall support such a claim.   第三条 被保险人死亡,继承保险标的的当事人主张承继被保险人的权利和义务的,人民法院应予支持。
Article 4 When the people's court determines whether the subject matter insured constitutes a “great increase of the degree of peril” as prescribed in Articles 49 and 52 of the Insurance Law, the people's court shall comprehensively consider the following factors:   第四条 人民法院认定保险标的是否构成保险法四十九条、第五十二条规定的“危险程度显著增加”时,应当综合考虑以下因素:
(1) Change of the use of the subject matter insured. (一)保险标的用途的改变;
(2) Change of the scope of use of the subject matter insured. (二)保险标的使用范围的改变;
(3) Change of the environment of the subject matter insured. (三)保险标的所处环境的变化;
(4) Change of the subject matter insured due to refitting or any other reason. (四)保险标的因改装等原因引起的变化;
(5) Change of the user or manager of the subject matter insured. (五)保险标的使用人或者管理人的改变;
(6) The continuance of increase of degree of peril. (六)危险程度增加持续的时间;
(7) Other factors that may lead to the great increase of degree of peril. (七)其他可能导致危险程度显著增加的因素。
Where the degree of peril of the subject matter insured increases, but the increased danger falls within the insurance coverage of the insurance contract foreseen or should be foreseen by the insurer when the insurance contract is concluded, it does not constitute a great increase of the degree of peril.
......
 保险标的危险程度虽然增加,但增加的危险属于保险合同订立时保险人预见或者应当预见的保险合同承保范围的,不构成危险程度显著增加。
......

Dear visitor, as a premium member of this database, you will get complete access to all content.Please go premium and get more.

1. To become a premium member, please call 400-810-8266 Ext. 171.

2. Binding to the account with access to this database.

3. Apply for a trial account.

4. To get instant access to a document, you can Pay Amount 【¥300.00】 for your single purchase.
 
您好:您现在要进入的是北大法宝英文库会员专区。
如您是我们英文用户可直接 登录,进入会员专区查询您所需要的信息;如您还不是我们 的英文用户;您可通过网上支付进行单篇购买,支付成功后即可立即查看本篇内容。
Tel: +86 (10) 82689699, +86 (10) 82668266 ext. 153
Mobile: +86 13311570713
Fax: +86 (10) 82668268
E-mail:info@chinalawinfo.com
     
     
Scan QR Code and Read on Mobile
【法宝引证码】        北大法宝en.pkulaw.cn
Message: Please kindly comment on the present translation.
 
Confirmation Code:
Click image to reset code
 
  Translations are by lawinfochina.com, and we retain exclusive copyright over content found on our website except for content we publish as authorized by respective copyright owners or content that is publicly available from government sources.

Due to differences in language, legal systems, and culture, English translations of Chinese law are for reference purposes only. Please use the official Chinese-language versions as the final authority. Lawinfochina.com and its staff will not be directly or indirectly liable for use of materials found on this website.

We welcome your comments and suggestions, which assist us in continuing to improve the quality of our materials as we dynamically expand content.
 
Home | About us | Disclaimer | Chinese