查询词典 excess insurance

Where two or more policies are effected by or on behalf of the assured on the same adventure and interest or any part thereof, and the sums insured exceed the indemnity allowed by this Act, the assured is said to be over-insured by double insurance (2) Where the assured is over-insured by double insurance The assured, unless the policy otherwise provides, may claim payment from the insurers in such order as he may think fit, provided that he is not entitled to receive any sum in excess of the indemnity allowed by this Act; Where the policy under which the assured claims is a valued policy, the assured must give credit as against the valuation for any sum received by him under any other policy without regard to the actual value of the subject-matter insured; Where the policy under which the assured claims is an unvalued policy he must give credit, as against the full insurable value, for any sum received by him under any other policy; Where the assured receives any sum in excess of the indemnity allowed by this Act, he is deemed to hold such sum in trust for the insurers according to their right of contribution among themselves.

当被保险人或其代表，(1)就同一冒险和利益或其中的一部分订立了两份以上的保险单，且保险金额超过本法所允许的赔偿限额时，被保险人即被视为因重复保险而超额保险。(2)在被保险人因重复保险而超额保险之场合：除非保险单另有规定，被保险人可根据自已认为合适的顺序，依次向其保险人索赔，但他所得金额不得超过本法允许的赔偿限额；如果被保险人凭以索赔的保险单是一份定值保险单，被保险人必须将其他保险单项下他已收取的任何数额从约定保险价值中扣除，无需考虑保险标的的实际价值；如果被保险人据以索赔的保险单是一份不定值保险单，被保险人必须将其他保险单项下他已收取的数额从全部保险价值中扣除；若被保险人得到的金额超过本法所允许的赔偿额，则此种超出金额即被视为由被保险人代各保险人托管，由保险人按他们之间的分摊权利摊回。

Where two or more policies are effected by or on behalf o f the assured on the same adventure and interest or any part thereof, and the sums insured exceed the indemnity allowed by this Act, the assured is said to be over-ins ured by double insurance (2)Where the assured is over-insured by double insurance The assured, unless the policy otherwise provides, may claim payment from the insurers in such order as he may think fit, provided that he is n ot entitled to receive any sum in excess of the indemnity allowed by this Act;Where the policy under which the assured claims is a valued policy, the assured must give credit as against the valuation for any sum rec eived by him under any other policy without regard to the actual value of the subject-ma tter insured;Where the policy under which the assured claims is an unvalu ed policy he must give credit, as against the full insurable value, for any sum rec eived by him under any other policy; Where the assured receives any sum in excess of the indemnit y allowed by this Act, he is deemed to hold such sum in trust for the insurers acco rding to their right of contribution among themselves.

1当被保险人或其代表，就同一冒险和利益或其中的一部分订立了两 32。份以上的保险单，且保险金额超过本法所允许的赔偿限额时，被保险人即被视为因重复保险而超额保险。(2)在被保险人因重复保险而超额保险之场合：除非保险单另有规定，被保险人可根据自己认为合适的顺序，依次向其保险人索赔，但他所得金额不得超过本法允许的赔偿限额；如果被保险人凭以索赔的保险单是一份定值保险单，被保险人必须将其他保险单项下他已收取的任何数额从约定保险价值中扣除，无需考虑保险标的的实际价值；如果被保险人据以索赔的保险单是一份不定值保险单，被保险人必须将其他保险单项下他已收取的数额从全部保险价值中扣除；若被保险人得到的金额超过本法所允许的赔偿额，则此种超出金额即被视为由被保险人代各保险人托管，由保险人按他们之间的分摊权利摊回。

Select a certain amount of insurance coverage, naturally have more protection, but the travel medical insurance is a compensatory insurance, insurance over the formation of excess insurance, and more than pay the premium on the unwise.

选择一定数量的险种投保，自然有更多保障，但旅游医疗险种是补偿性险种，保多形成超额保险，多交保费就不明智了。

In property insurance contract, the conception of insurance interest is helpful to ascertain loss margin , prevent excess insurance , and forbid unjust enrichment.

在财产保险合同中，还有确定损失额度，防止超额保险，禁止不当得利等功能。

The insurable interest is regarded as the basic concept in the contract law of theinsurance, it not only relate to the effect of the insurance contract, also is decideinsurance object, insurance value, repeated insurance, excess insurance and thebasic important item that the insurance contract's interest transfers.

保险利益作为保险合同中的基础性概念，其不仅关系着保险合同的效力问题，也是决定保险标的、保险价值、重复保险、超额保险及保险合同利益转移的根本要件。

This paper points the problems exist in various kinds of insurable interests and their relations through cases.Through the study this paper conclude that the insurable interest is the key system of the property insurance and insurance law. Our country did not take care of this theory and practice in the past, but now, we should pay close attention to this system, because it related to insurance contract of property effect, overlap insurance, excess insurance, damage and indemnity. So we should add insurable interest clause in the insurance contract. It will be easy to confirm who should be indemnified and how about the harm.

本文基于研究认为，财产保险利益是保险制度和保险法中的核心制度，过去我们国家在理论和实践中不注意该问题，但在保险法完善的过程中，应高度重视该制度，因为他涉及财产保险合同的效力、重复保险、超额保险、保险损害和保险补偿，所以应当在保险合同中增加保险利益条款，从而便于确定受补偿人、保险损害、保险事故、重复保险和补偿范围。

The China Insurance Regulatory Commission will encourage insurance companies to gradually develop catastrophe insurance business via such measures as incentive policies, excess loss reinsurance and catastrophe insurance funds, so as to establish catastrophe risk guarantee mechanisms with pooled risk.

中国保险监督管理委员会将通过政策优惠、超额损失再保险、巨灾保险基金等方式，鼓励保险公司逐步开展巨灾保险业务，逐步建立风险共担的巨灾风险保障机制。

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。

Warranted that no insurance on any interests enumerated in the foregoing 2211 to 2217 in excess of the amounts permitted therein and no other insurance which includes total loss of the Vessel PPI, FIA, or subject to any other like term, is or shall be effected to operate during the currency of this insurance by or for account of the Assured, Owners, Managers or Mortgagees Provided always that a breach of this warranty shall not afford the Underwriters any defence to a claim by a Mortgagee who has accepted this insurance without knowledge of such breach

保证上述第2211项至2217项所列任何利益的保险不超过所允许的保险金额，并不得有由被保险人、船东、管理人或抵押权人或以其名义在本保险期内安排原或将安排的包括保险船舶的PPI， FIA，或受任何其他类似条款制约的全损保险在内的其他保险。保险人不得以违反本保险为由，抗辩在接受本保险时不知道此项违反的抵押权人提出的索赔。

Warranted that no insurance on any interests enumerated in the foregoing 2011 to 2017 in excess of the amounts permitted therein and no other insurance which includes total loss of the Vessel PPI, FIA, or subject to any other like term, is or shall be effected to operate during the currency of this insurance by or for account of the Assured, Owners, Managers or Mortgagees Provided always that a breach of this warranty shall not afford the Underwriters any defence to a claim by a Mortgagee who has accepted this insurance without knowledge of such breach

保证上述第2011项至2017项所列任何利益的保险不超过所允许的保险金额，并不得有由被保险人、船东、管理人或抵押权人或以其名义在本保险期内安排原或将安排的包括保险船舶的PPI， FIA，或受任何其他类似条款制约的全损保险在内的其他保险。保险人不得以违反本保险为由，抗辩在接受本保险时不知道此项违反的抵押权人提出的索赔。下列各条是首要条款，本保险中任何与下列各条不一致的规定，均属无效。

In the United States, chronic alcoholism and hepatitis C are the most common ones.

在美国，慢性酒精中毒，肝炎是最常见的。

If you have any questions, you can contact me anytime.

如果有任何问题，你可以随时联系我。