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The company also provide supplemental benefits: commercial medical insurance, personal insurance, serious illness insurance, commercial medical insurance for spouse and child, family property insurance, abroad travel insurance, annual physical inspection, lunch, shuttle bus, annual vacation, sick leave with salary, education imbursement , etc.

内容覆盖：持续的专业技能培训，管理知识，质量体系知识，沟通技巧，英文口语，企业文化，到康明斯其他公司技术交流学习等。管理人员和技术人员将有到海外康明斯其他公司出差学习的机会。

The company also provide supplemental benefits: commercial medical insurance, personal insurance, serious illness insurance, commercial medical insurance for spousechild, family property insurance, abroad travel insurance, annual physical inspection, lunch, shuttle bus, annual vacation, sick leave with salary, education imbursement , etc.

公司同时为员工提供补充福利：商业医疗保险、人身意外险、重大疾病保险，家属商业医疗保险，家庭财产保险，境外旅行保险，每年身体体检，午餐，班车，年假，带薪病假，教育资助等。

In the course of the development of insurance, on the one hand, the nature of the insurance continuously streng then and expand; on the other hand, forms of insurance has been innovating. Through the reunification of the inheritance of the insurance nature and innovation of insurance forms, the insurance has been developing.

在保险发展的过程中，一方面是保险本质的不断增强和扩大，另一方面是保险形式的不断创新，通过保险本质的继承和保险形式的创新的统一，实现了保险的发展。

Moreover, the article has design with great bravery the specific legal system of the insurance investment supervision, referring the system of the insurance investment decision committee, the system of examining and approving the usage of the insurance funds, the system of focusing to turn over the funds and using unifiedly, the system of exploit evaluation of the insurance investment and the information disclosure system and the system of the insurance of insurance investment.

文章还就保险投资监管具体法律制度，如保险投资决策委员会制度、保险资金运用审批制度、保险资金集中上划和统一运用制度、保险投资业绩评估及信息披露制度、保险投资保险制度进行了具体勾勒。

The resource allocation of national insurance industry nowadays mainly has twoproblems: first, the progress of policy insurance and commercial insurance isunbalanced, which cumbers the development of agriculture, foreign trade and realestate industry to some extent;second, the resource inside the commercial insuranceis not allocated with reason, and some is wasted, which is embodied in the aspects ofinsurance supply, insurance agency, insurance demand and insurance product.

就现阶段来看，我国保险业的资源配置存在两方面的主要问题：首先，政策性保险与商业保险发展失衡，在一定程度上影响了我国农业、对外贸易和房地产业的发展；其次，商业保险资源配置在商业保险内部也存在着资源配置不合理、资源未得到充分利用以及资源浪费的现象，在保险供给、保险中介、保险需求和保险产品方面都有体现。

Delimitating the conception of health , disease risk and medical insurance etc ., inducing the basic characteristic and the main function of the medical insurance ; recalling the history proceeding in the medical insurance law system in the world and establishment , development and reformation of our country ' s medical insurance law system ; analyzing the shortcomings of our traditional medical insurance law system and comparing it with the current law system from the aspects such as insurance efficiency , relation of right and duty , security level , covering scope and management methods etc .

界定了健康、疾病风险与医疗保险等概念，归纳了医疗保险的基本特征与主要作用；回溯了世界医疗保险法律制度的历史沿革和我国医疗保险法律制度的建立、发展与改革，剖析了我国传统医疗保险法律制度存在的弊端，并将之与我国现行医疗保险法律制度进行了比较分析，客观地指出了现行医疗保险法律制度与传统制度相比所取得的进步以及需要进一步完善的问题；探讨了当前完善我国医疗保险法律制度的相关政策建议。

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 act of insurance agency is the style of using the right of insurance agency. The legal effect should be attribute to insurance directly in the authorized insurance agency and the unauthorized insurance agency as well as insurance agency by estoppels.

保险代理行为是保险代理权行使的具体形式，有权保险代理、被追认的无权保险代理、保险表见代理行为的法律效力应直接归属于保险人，由保险人承担民事责任。

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 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。

But this is impossible, as long as it is engaging in a market economy, there are risks in any operation.

但是，这是不可能的，只要是搞市场经济，是有风险的任何行动。

We're on the same wavelength.

我们是同道中人。