Insurance agent and insurance broker should take a letter at underwriter, policy-holder, insurant, also must want to have oneself management place. 保险代理人和保险经纪人要取信于保险人、投保人、被保险人,也必须要有自己的经营场所。
Agriculture is safe, be with growth period, but the crop of harvest and breed an animal to be insurance mark, in insurance mark when sufferring natural disaster or contingency to produce pecuniary loss, assume the insurance of liability to pay compensation by the underwriter. 农业保险,是以生长期、可收获期的农作物和养殖动物为保险标的,在保险标的遭受自然灾难或意外事故发生经济损失时,由保险人承担赔偿责任的保险。
So "insurance law" regulation, underwriter, insurant is the quality that find out and defines insurance accident, reason and insurance mark loss rate place pays necessary, reasonable charge, assume by the underwriter. 所以《保险法》规定,保险人、被保险人为查明和确定保险事故的性质、原因和保险标的的损失程度所支付的必要的、合理的费用,由保险人承担。
In the meantime, act on fair principle," insurance law "in return a regulation, to policy-holder prepaid insurance premium, the underwriter ought to return its cost of money according to insurance policy. 同时,本着公平的原则,《保险法》中还规定,对投保人已支付的保险费,保险人应当按照保险单退还其现金价值。
Policy-holder does not pay insurance premium according to the agreement of person insurance contract, the underwriter must not ask with compulsive means policy-holder pays insurance premium. 投保人不按照人身保险合同的约定支付保险费,保险人不得以强制方式要求投保人支付保险费。
Accordingly, the underwriter cannot enforce policy-holder fulfils the obligation that pays insurance premium, namely the underwriter's safe to person insurance premium, must not ask with litigant fashion policy-holder pays. 因此,保险人不能强制投保人履行支付保险费的义务,即保险人对人身保险的保险费,不得以诉讼方式要求投保人支付。
This should belong to primary insurance concept: reinsurance is to point to an underwriter to perhaps be sure the part of primary accept insurance to make over another underwriter entirely. 这应该属于原保险概念:再保险是指一个保险人把原承保的部分或者全部保险转让给另一个保险人。
Alleged cannot contradictory clause, be after showing insurance contract establishs period of time, the underwriter must not disobey important fact to inform with policy-holder reject to pay insurance gold or cancel insurance contract for obligation. 所谓不可抗辩条款,是指保险合同成立一段时间后,保险人不得以投保人违反重要事实告知义务为由拒绝给付保险金或取消保险合同。
The right that the incomplete of insurance mark is worth is attributive the circumstance that fulfills insurance liability to pay compensation according to the underwriter is affirmatory. 保险标的残值的权利归属根据保险人履行保险赔偿责任的情况确定。
The2nd, policy-holder, insurant did not perform the duty that its should use up to the safety of insurance mark according to the agreement, the underwriter has authority to ask to increase insurance premium to perhaps remove insurance contract. 第二,投保人、被保险人未按照约定履行其对保险标的安全应尽的责任,保险人有权要求增加保险费或者解除保险合同。
Insurance contract is concluded by policy-holder and underwriter. 保险合同是由投保人和保险人订立的。
One that insures, especially an insurance underwriter. 保险人提供保险者,特别是保险商。
Loss compensation principle is to show the insurance contract that amending a gender is medium, when insurance accident happening causes insurance symptom or when insurant loss, the underwriter gives the compensation of insurant number, cannot exceed the pecuniary loss that insurant place suffers. 损失补偿原则是指在补偿性的保险合同中,当保险事故发生造成保险标的或被保险人损失时,保险人给予被保险人的赔偿数额,不能超过被保险人所遭受的经济损失。
Between insurance period once decide, the underwriter is in charge of compensation be between insurance period only inside the insurance accident that produce causes insurance symptom damage thereby the loss that insurant causes. 保险期间一旦确定,保险人只负责赔偿在保险期间内发生的保险事故造成保险标的的损害从而被保险人造成的损失。
Insurance agent is to point to the Commission according to the underwriter, the unit that stops to replace manage poundage and deal with insurance Wu inside the limits of underwriter accredit to the underwriter or individual. 保险代理人是指根据保险人的委托,向保险人收取代理手续费并在保险人授权的范围内办理保险业务的单位或者个人。
Casting when protecting, want to offer a balance sheet to wait for the material that can indicate business range of financial asset circumstance and proof enterprise to the underwriter commonly, so that negotiate affirmatory insurance amount and premium rate with the underwriter. 在投保时,一般要向保险人提供资产负债表等能够表明财务资产情况和证实企业营业范围的材料,以便与保险人协商确定保险金额和保险费率。
Concept: primary insurance is the insurance that shows underwriter and policy-holder are reached at first. 概念:原保险是指保险人与投保人最初达成的保险。
And to person insurance contract character," insurance law "after stipulating policy-holder holds water at the contract, can pay insurance premium to the underwriter, also can pay insurance premium in installment according to contract agreement. 而对于人身保险合同而言,《保险法》规定投保人于合同成立后,可以向保险人一次支付保险费,也可以按照合同约定分期支付保险费。
Below this kind of circumstance, after insurance accident happens, the underwriter ought to give to insurant pay insurance gold. 在这种情况下,当保险事故发生后,保险人应当向被保险人给付保险金。
Zurich Insurance Company is the underwriter of American Express home insurance plan and is solely responsible for all coverage and compensation. 苏黎世保险为美国运通家居保障计划之承保人,全面负责一切保障及赔偿事宜。
According to our country "maritime law" regulation, marine insurance contract asks to the underwriter the request of insurance compensation counterpoises, 2 years are during effectiveness for a given period of time, from insurance the sun of accident happening rises consideration. 根据我国《海商法》规定,海上保险合同向保险人要求保险赔偿的请求权,时效期间为二年,自保险事故发生之日起计算。
This insurance policy shall be taken out with the underwriter offering the most favorable terms. 该保险必须向提供最优惠条款的保险公司购买。
Policy-holder is to point to conclude with the underwriter insurance contract, pay the person of insurance premium to the underwriter according to contract agreement, can be an unit, also can be an individual. 投保人是指与保险人订立保险合同,并根据合同约定向保险人支付保险费的人,可以是单位,也可以是个人。
To the disclaimer in insurance contract, the underwriter ought to be in conclude clear specification is made to policy-holder when the contract, if did not make clear demonstrative disclaimer, this clause does not produce effectiveness. 对于保险合同中的免责条款,保险人应当在订立合同时向投保人作明确的说明,假如未明确说明免责条款,该条款不产生效力。
If policy-holder does not press time delivery insurance premium of the agreement, criterion the underwriter can ask according to the agreement its delivery insurance premium perhaps terminates a contract. 投保人如不按约定的时间交付保险费,则保险人可按照约定要求其交付保险费或者终止合同。
The time that insurance accident produces is not between insurance period inside, criterion the underwriter does not assume insurance responsibility. 保险事故发生的时间不在保险期间内,则保险人不承担保险责任。
The insurance that pays insurance gold in order to die the condition to give is serve as insurance accident with the death of insurant, insurance gold pays to beneficiary beneficiary by the underwriter when accident happening. 以死亡为给付保险金条件的保险是以被保险人的死亡作为保险事故,在事故发生时由保险人向受益人支付保险金。
Medical treatment is sure to weigh healthy insurance again, it is the underwriter is in charge of because accident harm or disease defray are sure with the person of charge of insurance medical treatment, assuming insurant. 医疗保险又称健康保险,是保险人负责承担被保险人因意外伤害或疾病支出以保险医疗费用的人身保险。
The result shows that we should improve the competitive advantage of China sport insurance underwriter from the aspects of developing strategy, organizational system, running mechanism and information communication in order to promote the competition of China sport insurance. 研究表明,应从发展战略、组织制度、运行机制、信息沟通方式等方面增强中国体育保险商竞争优势,从而提高中国体育保险的竞争力。
The compulsory liability insurance is the liability insurance that specific groups must take their special harm to effect insurance with the underwriter according to the relevant state laws and regulations. 强制责任保险,是按照国家法律法规的规定,特定群体必须向保险人投保而成立的责任保险。