中华人民共和国保险法中英文对照
Insurance Law of the People's Republic of China 中华人民共和国保险法
(Adopted at the 14th session of the Standing Committee of the Eighth National People's Congress on June 30, 1995; amended for the first time at the 30th session of the Standing Committee of the Ninth National People's Congress on October 28, 2002, according to the Decision on Amending the Insurance Law of the People's Republic of China; revised at the 7th session of the Standing Committee of the Eleventh National People's Congress on February 28, 2009; amended for the second time at the 10th session of the Standing Committee of the Twelfth National People's Congress on August 31, 2014, according to the Decision of the Standing Committee of the National People's Congress on Amending Five Laws Including the Insurance Law of the People's Republic of China; and amended for the third time in accordance with the Decision on Amending Five Laws Including the Metrology Law of the People's Republic of China adopted at the 14th Session of the Standing Committee of the Twelfth National People's Congress on April 24, 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
Chapter I General Provisions第一章总则
Chapter II Insurance Contracts第二章保险合同
Section 1 General Rules第一节一般规定
Section 2 Personal Insurance Contracts第二节人身保险合同
Section 3 Property Insurance Contracts第三节财产保险合同Chapter III Insurance Companies第三章保险公司
Chapter IV Rules of Insurance Operations第四章保险经营规则Chapter V Insurance Agents and Insurance Brokers第五章保险代理人和保险经纪人
Chapter VI Supervision and Administration of the Insurance
Sector
第六章保险业监督管理Chapter VII Legal Liability第七章法律责任Chapter VIII Supplemental Provisions第八章附则
Chapter I General Provisions第一章总则
Article 1 This Law is enacted for the purpose of regulating insurance activities, protecting the legitimate rights and interests of the parties to insurance activities, strengthening the supervision and administration of the insurance sector, maintaining the social and economic order and public interest, and promoting the sound development of the insurance sector.
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。
Article 2 In this Law, the term “insurance” means the commercial insurance activities where an insurance applicant pays an insurance premium to an insurer under an insurance contract and the insurer pays indemnity for the property loss caused by the occurrence of a potential incident specified in the insurance contract or pays insurance benefits when the insured dies, becomes disabled or sick or reaches a specified age, time limit or any other condition specified in the contract.
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。
Article 3 All insurance activities carried out within the territory of the People's Republic of China shall be governed by this Law.
第三条在中华人民共和国境内从事保险活动，适用本法。
Article 4 Whoever carries out insurance activities must abide by the laws and administrative regulations and defer to social ethics, and shall not damage the public interest.
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。
Article 5 The parties to insurance activities shall follow the principle of good faith in their exercise of rights and performance of obligations.
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。
Article 6 Insurance business shall be carried out by insurance companies formed according to this Law or other insurance organizations as prescribed by laws and administrative regulations. No other entity or individual shall carry out insurance business.
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。
Article 7 Legal persons and other organizations within the territory of the People's Republic of China which need domestic insurance
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
shall take out insurance from insurance companies within the territory of the People's Republic of China. 的，应当向中华人民共和国境内的保险公司投保。
Article 8 The insurance, banking, securities and trust sectors shall be segregated in operations and administration, and insurance companies, securities institutions and trust institutions shall be formed separately, except as otherwise specified by the state.
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。
Article 9 The insurance regulatory body under the State Council shall be responsible for the supervision and administration of the insurance sector according to the law.
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。
The insurance regulatory body under the State Council may set up local offices as needed for performing its duties. The local offices shall perform the duties of supervision and administration as authorized by the insurance regulatory body under the State Council. 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。
Chapter II Insurance Contracts第二章保险合同Section 1 General Rules第一节一般规定
Article 10 An insurance contract means an agreement under which the insurance applicant and insurer agree upon the insurance rights and obligations.
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。
An insurance applicant means a person who enters into an insurance contract with an insurer and performs the obligation of paying an insurance premium under the insurance contract. 投保人是指与保险人订立保险合同，并按照合同约定负有支付保险费义务的人。
An insurer means an insurance company which enters into an insurance contract with an insurance applicant and is liable for paying indemnity or insurance benefits under the insurance contract. 保险人是指与投保人订立保险合同，并按照合同约定承担赔偿或者给付保险金责任的保险公司。
Article 11 An insurance contract shall be concluded upon agreement between both parties after consultation, and the rights and obligations of both parties shall be determined according to the principle of fairness.
第十一条订立保险合同，应当协商一致，遵循公平原则确定各方的权利和义务。
An insurance contract shall be concluded voluntarily, unless the insurance is mandated by a law or administrative regulation. 除法律、行政法规规定必须保险的外，保险合同自愿订立。
Article 12 An applicant for personal insurance shall, when entering into an insurance contract, have an insurable interest in the insured.
第十二条人身保险的投保人在保险合同订立时，对被保险人应当具有保险利益。
The insured in property insurance shall have an insurable interest in the subject matter insured when an insured incident occurs. 财产保险的被保险人在保险事故发生时，对保险标的应当具有保险利益。
Personal insurance shall be a type of insurance which takes the life and body of human beings as the subject matter insured. 人身保险是以人的寿命和身体为保险标的的保险。
Property insurance shall be a type of insurance which takes property and interests related thereto as the subject matter insured. 财产保险是以财产及其有关利益为保险标的的保险。
An insured means a person whose property, life or body is covered by an insurance contract and who is entitled to claim the insurance money. An insurance applicant may be the insured. 被保险人是指其财产或者人身受保险合同保障，享有保险金请求权的人。投保人可以为被保险人。
An insurable interest means a legally recognized interest owned by an insurance applicant or insured in the subject matter insured. 保险利益是指投保人或者被保险人对保险标的具有的法律上承认的利益。
Article 13 An insurance contract shall be formed after the insurance applicant applies for insurance and the insurer agrees to underwrite the insurance. The insurer shall issue an insurance policy or any other insurance certificate to the insurance applicant in a timely manner.
第十三条投保人提出保险要求，经保险人同意承保，保险合同成立。保险人应当及时向投保人签发保险单或者其他保险凭证。
The insurance policy or any other insurance certificate shall expressly state the provisions of the contract reached by both parties. Both parties may agree to state the provisions of the contract between them in any other written form. 保险单或者其他保险凭证应当载明当事人双方约定的合同内容。当事人也可以约定采用其他书面形式载明合同内容。
A legally formed insurance contract shall become effective upon formation. The insurance applicant and insurer may attach a condition or time limit for the effectiveness of the contract. 依法成立的保险合同，自成立时生效。投保人和保险人可以对合同的效力约定附条件或者附期限。
Article 14 After an insurance contract is formed, the insurance applicant shall pay an insurance premium as agreed upon, and the insurer shall start to assume the insurance liability from the time as agreed upon.
第十四条保险合同成立后，投保人按照约定交付保险费，保险人按照约定的时间开始承担保险责任。
Article 15 After an insurance contract is formed, the insurance applicant may, but the insurer may not, rescind the contract, except as otherwise provided for by this Law or as otherwise agreed upon in the insurance contract.
第十五条除本法另有规定或者保险合同另有约定外，保险合同成立后，投保人可以解除合同，保险人不得解除合同。
Article 16 Where the insurer inquiries about the subject matter insured or about the insured when entering into an insurance contract, the insurance applicant shall tell the truth.
第十六条订立保险合同，保险人就保险标的或者被保险人的有关情况提出询问的，投保人应当如实告知。
Where the insurance applicant fails to perform the obligation of telling the truth as prescribed in the preceding paragraph intentionally or for gross negligence, affecting the insurer's decision 投保人故意或者因重大过失未履行前款规定的如实告知义务，足以影响保险人决定是否同意承保或者提高保险
on whether to underwrite the insurance or raise the insurance
premium, the insurer shall have the right to rescind the insurance
contract.
费率的，保险人有权解除合同。
The right to rescind an insurance contract as prescribed in the preceding paragraph shall be annulled 30 days after the insurer knows the cause of rescission. Two years after an insurance contract is concluded, the insurer may not rescind the contract; and where an insured incident occurs, the insurer shall pay indemnity or insurance benefits. 前款规定的合同解除权，自保险人知道有解除事由之日起，超过三十日不行使而消灭。自合同成立之日起超过二年的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿或者给付保险金的责任。
Where the insurance applicant intentionally fails to perform the obligation of telling the truth, the insurer shall not be liable for paying indemnity or insurance benefits for an insured incident which occurs before the contract is rescinded, and shall not refund the insurance premium. 投保人故意不履行如实告知义务的，保险人对于合同解除前发生的保险事故，不承担赔偿或者给付保险金的责任，并不退还保险费。
Where the insurance applicant fails to perform the obligation of telling the truth for gross negligence, materially affecting the occurrence of an insured incident, the insurer shall not be liable for paying indemnity or insurance benefits for an insured incident which occurs before the contract is rescinded, but shall refund the insurance premium. 投保人因重大过失未履行加实告知义务，对保险事故的发生有严重影响的，保险人对于合同解除前发生的保险事故，不承担赔偿或者给付保险金的责任，但应当退还保险费。
Where the insurer knows the truth which the insurance applicant fails to tell when they enter into an insurance contract, the insurer shall not rescind the contract; and if an insured incident occurs, the insurer shall pay indemnity or insurance benefits. 保险人在合同订立时已经知道投保人未如实告知的情况的，保险人不得解除合同；发生保险事故的，保险人应当承担赔偿或者给付保险金的责任。
An insured incident means an incident within the insurance coverage as agreed upon in an insurance contract. 保险事故是指保险合同约定的保险责任范围内的事故。
Article 17 Where an insurance contract is concluded using the standard clauses of the insurer, the insurer shall provide an insurance policy with the standard clauses attached and explain the contents of the contract to the insurance applicant.
第十七条订立保险合同，采用保险人提供的格式条款的，保险人向投保人提供的投保单应当附格式条款，保险人应当向投保人说明合同的内容。
For those clauses exempting the insurer from liability in the insurance contract, the insurer shall sufficiently warn the insurance applicant of those clauses in the insurance application form, the insurance policy or any other insurance certificate, and expressly explain those clauses to the insurance applicant in writing or verbally. If the insurer fails to make a warning or express explanation thereof, those clauses shall not be effective. 对保险合同中免除保险人责任的条款，保险人在订立合同时应当在投保单、保险单或者其他保险凭证上作出足以引起投保人注意的提示，并对该条款的内容以书面或者口头形式向投保人作出明确说明；未作提示或者明确说明的，该条款不产生效力。
Article 18 An insurance contract shall include the following: 第十八条保险合同应当包括下
列事项：
(1) The name and domicile of the insurer. （一）保险人的名称和住所；
(2) The names and domiciles of the insurance applicant and insured and 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 insured. （二）保险标的；
(4) The insurance liability and liability exemption. （四）保险责任和责任免除；
(5) The duration of insurance and the time of commencement of insurance liability. （五）保险期间和保险责任开始时间；
(6) The insured amount. （六）保险金额；
(7) The insurance premium and the payment method. （七）保险费以及支付办法；
(8) The method for paying indemnity or insurance benefits. （八）保险金赔偿或者给付办法；
(9) The liabilities for breach of contract and the resolution of
disputes.
（九）违约责任和争议处理；(10) The year, month and date when the contract is concluded. （十）订立合同的年、月、日。
The insurance applicant and insurer may agree upon other insurance-related matters in the insurance contract. 投保人和保险人可以约定与保险有关的其他事项。
A beneficiary means a person designated by the insured or insurance applicant in a personal insurance contract to be entitled to claim the insurance money. An insurance applicant or insured may be a beneficiary. 受益人是指人身保险合同中由被保险人或者投保人指定的享有保险金请求权的人。投保人、被保险人可以为受益人。
An insured amount means the upper limit of the indemnity or insurance benefits which the insurer is liable to pay. 保险金额是指保险人承担赔偿或者给付保险金责任的最高限额。
Article 19 The following clauses in an insurance contract which is concluded using the standard clauses of the insurer shall be null and void:
第十九条采用保险人提供的格式条款订立的保险合同中的下列条款无效：
(1) A clause exempting the insurer from any legal obligation or aggravating the liability of the insurance applicant or insured. （一）免除保险人依法应承担的义务或者加重投保人、被保险人责任的；
(2) A clause excluding any legal right of the insurance applicant, insured or beneficiary. （二）排除投保人、被保险人或者受益人依法享有的权利的。
Article 20 The insurance applicant and insurer in an insurance contract may modify the contract upon consultation.
第二十条投保人和保险人可以协商变更合同内容。
To modify an insurance contract, the insurer shall endorse the insurance policy or any other insurance certificate or attach an approval slip thereto, or the insurance applicant and insurer shall enter into a written agreement on the modification. 变更保险合同的，应当由保险人在保险单或者其他保险凭证上批注或者附贴批单，或者由投保人和保险人订立变更的书面协议。