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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 [Effective]
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) [现行有效]
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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。
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