| Announcement of the Superme People's Court | | 最高人民法院公告 |
| The Interpretation III of the Supreme People's Court on Several Issue concerning the Application of the Insurance Law of the People's Republic of China, as adopted at the 1,661st Session of the Judicial Committee of the Supreme People's Court on September 21, 2015, is hereby issued, and shall come into force on December 1, 2015. | | 《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（三）》已于2015年9月21日由最高人民法院审判委员会第1661次会议通过，现予公布，自2015年12月1日起施行。 |
| Superme People's Court | | 最高人民法院 |
| November 25, 2015 | | 2015年11月25日 |
| Interpretation III 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（三）》 |
| (The Interpretation III of the Supreme People's Court on Several Issues concerning the Application of the Insurance Law of the People's Republic of China (hereinafter referred to as the “Interpretation III”) was deliberated and adopted at the 1661st Session of the Judicial Committee of the Supreme People's Court on September 21, 2015, Interpretation No. 21 [2015] of the Supreme People's Court) | | （2015年9月21日最高人民法院审判委员会第1661次会议通过 法释〔2015〕21号） |
| For purposes of correctly trying cases on insurance contract disputes 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 light of judicial practice, the interpretation on issues concerning the application of the Insurance Law relating to the personal insurance part of 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，就保险法中关于保险合同章人身保险部分有关法律适用问题解释如下： |
| Article 1 Where a party enters into a contract with death as the condition for the payment of insurance money, in accordance with the provision of Article 34 of the Insurance Law, “the insured may consent to and recognize the insured amount” in writing, orally or in any other form when the contract is entered into or recognize after the contract is entered into. | | 第一条 当事人订立以死亡为给付保险金条件的合同，根据保险法第三十四条的规定，“被保险人同意并认可保险金额”可以采取书面形式、口头形式或者其他形式；可以在合同订立时作出，也可以在合同订立后追认。 |
| The insured shall be deemed to have agreed that the insurance applicant enters into an insurance contract for him or her and recognizes the insured amount, under any of the following circumstances: | | 有下列情形之一的，应认定为被保险人同意投保人为其订立保险合同并认可保险金额： |
| (1) The insured, with the knowledge of the action to sign for consent by any other person on behalf of him or her, gives no dissent. | | （一）被保险人明知他人代其签名同意而未表示异议的； |
| (2) The insured consents to the beneficiary designated by the insurance applicant. | | （二）被保险人同意投保人指定的受益人的； |
| (3) Any other circumstance under which there is evidence sufficient to recognize the insured's consent to the insurance applicant's purchase of insurance for him or her. | | （三）有证据足以认定被保险人同意投保人为其投保的其他情形。 |
| Article 2 Where the insured notifies in writing the insurer and the insurance applicant that he or she revokes the declaration of intention made in accordance with the provision of Article 34 of the Insurance Law, it may be determined that the insurance contract is rescinded. | | 第二条 被保险人以书面形式通知保险人和投保人撤销其依据保险法第三十四条第一款规定所作出的同意意思表示的，可认定为保险合同解除。 |
| Article 3 When the people's court tries a case on disputes over a personal insurance contract, it shall actively examine whether the insurance applicant has insurable interest when entering into an insurance contract and whether the insured has consented to the contract stipulating death as the condition for the payment of insurance money and recognized the insured amount. | | 第三条 人民法院审理人身保险合同纠纷案件时，应主动审查投保人订立保险合同时是否具有保险利益，以及以死亡为给付保险金条件的合同是否经过被保险人同意并认可保险金额。 |
| Article 4 After an insurance contract is entered into, if a party claims that the insurance contract is null and void since the insurance applicant losses the insurable interest attributable to the insured, the people's court shall not support such a claim. | | 第四条 保险合同订立后，因投保人丧失对被保险人的保险利益，当事人主张保险合同无效的，人民法院不予支持。 |
| Article 5 Where the insurer designates a medical institution to conduct physical inspection of the insured when entering into a contract, if a party claims the exemption of the insurance applicant's faithful notification obligation, the people's court shall not support such a claim. | | 第五条 保险合同订立时，被保险人根据保险人的要求在指定医疗服务机构进行体检，当事人主张投保人如实告知义务免除的，人民法院不予支持。 |
| Where the insurer requests the rescission of a contract on the ground that the insurance applicant fails to fulfill the obligation of faithfully notifying the relevant circumstances, although the insurer knows the physical inspection result of the insured, the people's court shall not support such a claim. | | 保险人知道被保险人的体检结果，仍以投保人未就相关情况履行如实告知义务为由要求解除合同的，人民法院不予支持。 |
| Article 6 Where any person other than the parents of a minor that fulfills the duty of guardianship enters into a contract for the minor with death as the condition for the payment of insurance money, if a party claims the determination of validity of such a contract in accordance with the provisions of paragraph 2 of Article 33 and paragraph 3 of Article 34 of the Insurance Law, the people's court shall not support such a claim, unless the contract is entered into with the approval of parents of the minor. | | 第六条 未成年人父母之外的其他履行监护职责的人为未成年人订立以死亡为给付保险金条件的合同，当事人主张参照保险法第三十三条第二款、第三十四条第三款的规定认定该合同有效的，人民法院不予支持，但经未成年人父母同意的除外。 |
Article 7 Where a party claims that the insurance applicant has fulfilled the corresponding insurance premium payment obligation on the ground that the insured, the beneficiary or any other person has paid the insurance premium on behalf of him or her, the people's court shall support such a claim.
．．．．．． | | 第七条 当事人以被保险人、受益人或者他人已经代为支付保险费为由，主张投保人对应的交费义务已经履行的，人民法院应予支持。
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