中华人民共和国保险法(2015修正)英汉对照

InsuranceLawofthePeople'sRepublicofChina(2015Amendment)[Effective]中华人民共和国保险法(2015修正)[现行有效]Issuingauthority：StandingCommitteeoftheNationalPeople'sCongressDocumentNumber：OrderNo.26ofthePresidentofthePeople'sRepublicofChinaDateissued：04-24-2015LevelofAuthority：LawsAreaoflaw：InsuranceInsuranceLawofthePeople'sRepublicofChina中华人民共和国保险法(Adoptedatthe14thsessionoftheStandingCommitteeofthe8thNationalPeople'sCongressonJune30,1995,amendedforthefirsttimeatthe30thsessionoftheStandingCommitteeofthe9thNationalPeople'sCongressonOctober28,2002accordingtotheDecisiononAmendingtheInsuranceLawofthePeople'sRepublicofChina,revisedatthe7thsessionoftheStandingCommitteeofthe11thNationalPeople'sCongressonFebruary28,2009;amendedforthesecondtimeatthe10thsessionoftheStandingCommitteeofthe12thNationalPeople'sCongressonAugust31,2014accordingtotheDecisionoftheStandingCommitteeoftheNationalPeople'sCongressonAmendingFiveLawsIncludingtheInsuranceLawofthePeople'sRepublicofChina;andamendedforthethirdtimeinaccordancewiththeDecisiononAmendingFiveLawsIncludingtheMetrologyLawofthePeople'sRepublicofChinaadoptedatthe14thSessionoftheStandingCommitteeoftheTwelfthNationalPeople'sCongressonApril24,2015)（1995年6月30日第八届全国人民代表大会常务委员会第十四次会议通过根据2002年10月28日第九届全国人民代表大会常务委员会第三十次会议《关于修改〈中华人民共和国保险法〉的决定》第一次修正2009年2月28日第十一届全国人民代表大会常务委员会第七次会议修订根据2014年8月31日第十二届全国人民代表大会常务委员会第十次会议《关于修改〈中华人民共和国保险法〉等五部法律的决定》第二次修正根据2015年4月24日第十二届全国人民代表大会常务委员会第十四次会议《关于修改〈中华人民共和国计量法〉等五部法律的决定》第三次修正）Contents目录ChapterIGeneralProvisions第一章总则ChapterIIInsuranceContracts第二章保险合同Section1GeneralRules第一节一般规定Section2PersonalInsuranceContracts第二节人身保险合同Section3PropertyInsuranceContracts第三节财产保险合同ChapterIIIInsuranceCompanies第三章保险公司ChapterIVRulesofInsuranceBusinessOperation第四章保险经营规则ChapterVInsuranceAgentsandInsuranceBrokers第五章保险代理人和保险经纪人ChapterVISupervisionandAdministrationoftheInsuranceSector第六章保险业监督管理ChapterVIILegalResponsibility第七章法律责任ChapterVIIISupplementaryProvisions第八章附则ChapterIGeneralProvisions第一章总则Article1ThisLawisformulatedforthepurposeofregulatingtheinsuranceactivities,protectingthelegitimaterightsandinterestsofpartiestoinsuranceactivities,strengtheningthesupervisionandadministrationoftheinsurancesector,maintainingthesocialandeconomicorderandpublicinterests,andpromotingthehealthydevelopmentoftheinsurancesector.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，维护社会经济秩序和社会公共利益，促进保险事业的健康发展，制定本法。Article2InthisLaw,theterm“insurance”meansthecommercialinsuranceactivitieswhereaninsuranceapplicantpaysaninsurancepremiumtoaninsurerunderaninsurancecontractandtheinsurerundertakestopaytheinsurancemoneytocompensateforthepropertylosscausedbytheoccurrenceofapotentialincidentspecifiedintheinsurancecontractorpaytheinsurancemoneywhentheinsurantdies,becomesdisabledorsickorreachesaspecifiedage,timelimitoranyotherconditionspecifiedinthecontract第二条本法所称保险，是指投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限等条件时承担给付保险金责任的商业保险行为。Article3AllinsuranceactivitiescarriedoutwithintheterritoryofthePeople'sRepublicofChinashallbegovernedbythisLaw.第三条在中华人民共和国境内从事保险活动，适用本法。Article4Whoevercarriesouttheinsuranceactivitiesmustabidebythelawsandadministrativeregulationsanddefertothesocialethics,andshallnotjeopardizethepublicinterests.第四条从事保险活动必须遵守法律、行政法规，尊重社会公德，不得损害社会公共利益。Article5Thepartiestoinsuranceactivitiesshallfollowtheprincipleofgoodfaithintheirexerciseofrightsandperformanceofobligations.第五条保险活动当事人行使权利、履行义务应当遵循诚实信用原则。Article6InsurancebusinessshallbecarriedoutbyinsurancecompaniesformedaccordingtothisLaworotherinsuranceorganizationsasprescribedbylawsandadministrativeregulations.Nootherentityorindividualshallcarryoutinsurancebusiness.第六条保险业务由依照本法设立的保险公司以及法律、行政法规规定的其他保险组织经营，其他单位和个人不得经营保险业务。Article7LegalpersonsandotherorganizationswithintheterritoryofthePeople'sRepublicofChinawhichneeddomesticinsuranceshalltakeoutinsurancefrominsurancecompanieswithintheterritoryofthePeople'sRepublicofChina.第七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。Article8Theinsurance,banking,securitiesandtrustsectorsshallbeoperatedandadministeredseparately,andinsurancecompanies,securitiesinstitutionsandtrustinstitutionsshallbeformedseparately,unlessitisotherwiseprovidedforbythestate.第八条保险业和银行业、证券业、信托业实行分业经营、分业管理，保险公司与银行、证券、信托业务机构分别设立。国家另有规定的除外。Article9TheinsuranceregulatorybodyundertheStateCouncilshallberesponsibleforthesupervisionandadministrationoftheinsurancesectoraccordingtolaw.第九条国务院保险监督管理机构依法对保险业实施监督管理。TheinsuranceregulatorybodyundertheStateCouncilshallsetupdispatchedofficesaccordingtoitsneedsforperformingduties.ThedispatchedofficesshallperformthedutiesofsupervisionandadministrationasauthorizedbytheinsuranceregulatorybodyundertheStateCouncil.国务院保险监督管理机构根据履行职责的需要设立派出机构。派出机构按照国务院保险监督管理机构的授权履行监督管理职责。ChapterIIInsuranceContracts第二章保险合同Section1GeneralRules第一节一般规定Article10Aninsurancecontractmeansanagreementunderwhichtheinsuranceapplicantandinsureragreeupontheinsurancerightsandobligations.第十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。Aninsuranceapplicantmeansapersonwhoentersintoaninsurancecontractwithaninsurerandperformstheobligationofpayinganinsurancepremi