查询词典 accident insurance

Insurance contract is aleatory contract, because whether insurer has the obligation to pay insurance benefit or not and the exact number of it all depend on whether insurance accident occurs or not and the degree of damage. Therefore, applicant can obtain huge amount of insurance benefit when insurance accident occurs, but on the contrary, applicant lose premiums when insurance accident does not occur.

保险合同是射幸合同，这是由于保险人是否负有保险金的给付义务以及应为给付时的具体数额的多少取决于保险事故是否发生及其损害的大小，因此对投保人而言，在保险事故发生时将获得巨额保险金；反之，在保险事故不发生时，投保人即丧失保险费。

I broaden and deepen the assumption ,and is that in the insurance economy where there two types of policyholders ,the truths, who always report the true state of the insurance accident, and the Dares, who dare misreport the true state of the insurance accident ,the study shows that no separating contract exists.

本文在前人现有的研究成果上，对保险欺诈研究问题进行了拓宽和深化，即基于现实保险市场并非所有的投保人都是不诚信(来源：f1ABC论af文网www.abclunwen.com)的情况下，把保险市场上的投保人分为两种投保人即诚实和不诚实的投保人，来对保险欺诈进行研究，研究结果表明不存在分离保险合同。

Obtain from the literature, Western scholars\' premise about studying the issue of insurance fraud is based on the assumption that in the general insurance market, all policyholders are trend to misreport the true state of the insurance accident, when the insurance company investigate the policyholders\' claim, they know the true state of the insurance accident.

本文在收集和整理前人研究关于保险欺诈方面文献的基础上，对保险公司与投保人关于保险欺诈(虚报保险事故、夸大保险损失)的问题进行了博弈研究，并建立了数学模型。从文献可以看出，西方学者研究保险欺诈的问题时其前提假设一般都是基于保险市场上所有的投保人都是不诚信的，索赔调查具有完全性。

Of Heng Yadi insurance " of model of written characters " vehicle accident injury insurance " guarantee slip, through partial aviation site of carry out ticket is sold, insurance cost 20 yuan, accident of body of stranger of the hair when taking vehicle for insurant offers 10 thousand yuan of insurance to 500 thousand yuan to ensure; Make clear on guarantee slip information can pass " Inc.

据介绍，这些印有"恒亚迪保险股份有限公司"字样的"交通工具意外伤害保险"保单，通过部分航空售票网点销售，保费20元，为被保险人乘坐交通工具时发生人身意外提供1万元至50万元的保险保障；保单信息上注明可以通过"恒亚迪保险股份有限公司"网站和服务电话查询。

Along with the implement of Regulation on Compulsory Insurance of Automobile Traffic Accident Liability and Compulsory Insurance of Automobile Traffic Accident Liability Clause, with the identifying the automobile third-party liability insurance as commercial insurance, the legal environment for automobile insurance business encounters a better change, which tardily drives the automobile insurance business to step out current dilemma.

随着《交强险》条例和条款的实施以及最高法院明确在2006年7月1日前投保的机动车第三者责任险的性质为商业保险，给车险经营的法律环境带来了转机，随着条例和条款的不断完善，车险经营将走出困境。

It is learnt that the construction workers for the construction industry should purchase accident death, accidental disability, accident medical and third-party liability insurance, each insured person construction accident injury insurance amount not less than 10 million premium paid by the construction enterprises, construction workers to be assessed or covert enterprises assessed.

根据广东省建设厅和广东省保监局联合发出的《广东省建筑意外伤害保险工作导则》，要求各级建设行政主管部门和各级安全监督机构，将把工程项目开工前施工企业是否办理建筑意外伤害保险，作为审查企业安全生产条件的一项重要内容，未投保的工程项目，不颁发施工许可证。

By this way, it can be seen that the risks of natural disaster and accident can be transferred by construction insurance and that man-caused risks by construction bond. Furthermore, this paper studies the legal problems in the implementation of construction insurance and bond system and the correspondent laws that need to be improved. With reference to construction insurance, it is compulsive to carry out Contractor"s All Risks, Erection All Risks, Employer"s Liability Insurance, Supervisory Engineer/Designer Professional Liability Insurance and Maintenance Insurance. As for construction bond, it is suitable to take the method of surety bond and implement obligatorily Bid Bond, Performance Bond, Employer Payment Bond and Contractor Payment Bond. In addition, this paper analyses the problems in the implementation of construction insurance and bond system in China and presents corresponding solutions. In the end, it provides a method by option price theory to estimate the costs of construction bond.

本文首先借鉴国外工程保险和担保制度，通过工程保险可以有效的转移自然灾害和意外事故风险，通过工程担保转移各种人为风险；其次研究了在我国实行工程保险和担保制度存在的法律问题和需完善的相关法律，提出在工程保险方面，应强制实行建筑工程一切险、安装工程一切险、质量保修保险、设计/监理责任险，在工程担保方面，宜采取保证担保的方式，强制实行投标保证担保、履约保证担保、业主履约保证担保和付款保证担保，分析了在我国实行工程保险和担保制度存在的问题，提出相应对策；最后运用期权价格理论给出了确定工程担保费用的一种方法。

Insurance fraud can be specified such conduct as misstating the insurance object,making up the Insurance reasons,exaggerating the Insurance loss or even wiffully creating Insurance accident in default of Insurance contract and the management of insurer .

投保人、被保险人、受益人或者保险公司的工作人员利用保险合同与保险公司管理上的缺陷，通过虚拟保险标的、谎报保险事故、编造保险原因、夸大损失程度、故意制造保险事故等获得保险金，是保险欺诈的主要表现形式

The internal factors of the existence of insurance fraud is that the insuranced can repay expensively on less investment.Insurance fraud can be specified such conduct as misstating the insurance object,making up the Insurance reasons,exaggerating the Insurance loss or even wiffully creating Insurance accident in default of Insurance contract and the management of insurer .

投保人可以以较少的&投入&获得奇高的回报，是保险欺诈产生的内在基础；投保人、被保险人、受益人或者保险公司的工作人员利用保险合同与保险公司管理上的缺陷，通过虚拟保险标的、谎报保险事故、编造保险原因、夸大损失程度、故意制造保险事故等获得保险金，是保险欺诈的主要表现形式；对保险欺诈行为的宽恕与怂恿以及司法机关对保险欺诈行为打击不力，也是保险欺诈广泛存在、屡禁不止的社会原因。

The moral hazards resulted in by the asymmetric information among applicant, insured and beneficiary include insurance risk increase caused by indulgence and intent after the conclusion of insurance contract; causing insurance accidents with intent; failing to inform in time after insurance accident; reporting more or higher loss to gain excess insurance benefits; falsifying insurance accident to gain unjust interest.

投保人、被保险人和受益人因信息不对称所致的道德风险表现在合同缔结后放任或者故意造成保险风险增加；故意造成保险事故的发生；在保险事故发生后没有及时通知；保险事故发生后，多报或者高报损失以获取超额保险金；没有发生保险事故却谎称发生保险事故以获取不正当利益等。

The absorption and distribution of chromium were studied in ryeusing nutrient culture technique and pot experiment.

采用不同浓度K2CrO4(0，0.4，0.8和1.2 mmol/L)的Hoagland营养液处理黑麦幼苗，测定铬在黑麦体内的亚细胞分布、铬化学形态及不同部位的积累。

By analyzing theory foundation of mathematical morphology in the digital image processing, researching morphology arithmetic of the binary Image, discussing two basic forms for the least structure element: dilation and erosion.

通过分析数学形态学在图像中的理论基础，研究二值图像的形态分析算法，探讨最小结构元素的两种基本形态：膨胀和腐蚀；分析了数学形态学复杂算法的基本原理，把数学形态学的部分并行处理理念引入到家实际应用中。