查询词典 insurance premium

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。

Section 3 is the difficult and key part of the whole paper, focus on discussing how to improve our country"s unemployment insurance system .specific countermeasures to improve the system are presented as follows: constituting unemployment insurance law establishing and amplifying safe -guard system of the law; establishing that judies is the first in the level of value; definite unemployment and the qualification of gaining unemployment insurance, reasonably enlarging the scopes of insurance; intensifying and promoting the function of reemployment to realize the combination of unemployment insurance and reemployment promotion; enforcing raising insurance fund and fully exerting the fund"s use benefit ;improving its systems of management and supervision to realize scientific management, keeping the fund safety and development..

本文认为我国的失业保险制度应在根据我国国情的基础上，在以下几个方面完善失业保险法律制度：制定《失业保险法》，提高失业保险制度的法律效力，并辅之以其他相关法律法规相配套，建立起一个层次分明相互协调的综合性失业保险法律体系；确立以公平为优先的立法价值取向，在法律的层次上明确失业保险制度作为超越经济领域的公共产品应当以社会公平为其立法的价值取向；正确界定失业的定义及失业保险资格条件，在符合中国国情的情况下，合理扩大失业保险的覆盖面；确立以保障劳动者的基本生活和促进再就业为失业保险法律制度的立法宗旨，加强失业保险的再就业促进功能，变消极支付失业保险金作法为积极地促进再就业，认识到&就业是最好的保障&；完善失业保险费征缴制度，按不同行业、企业的失业风险概率不同，实行差别缴费率，加强失业保险费征缴的法律力度，提高劳动者和用人单位的缴费积极性；完善失业保险待遇给付制度，从确保失业者的基本生活需要和促进其再就业的角度出发，完善给付水平和给付期限的规定；规范和完善失业保险的管理和监督制度，实现管理科学化，保证并实现保险墓金的保值、增值。结语部分，对全文进行总结。

Social insurance includes old-age insurance, unemployment insurance, medical insurance,work-related injury insurance and maternity insurance .

社会保险包括养老保险，失业保险，医疗保险，工伤保险和生育保险。

As the core of the social security system, social insurance includes old-age insurance, unemployment insurance, medical insurance, work-related injury insurance and maternity insurance.

中国的社会保障体系包括社会保险、社会福利、优抚安置、社会救助和住房保障等。

Bank sources told reporters that the key is in fact now unreasonable categories, personal loans purchase operations at least three risk protection : First, protect property suffered major accidents and natural disasters, the risk of collateral damage to housing property insurance; Second, lenders regular credit life insurance, mainly in the loan owing on the loan period of injury as a result of illness or accident and incapacity or death of bank guarantee safe recovery loans to the families of those who continue to live; Third mortgage purchase insurance performance bond, mainly because when the guarantor of death, unemployment causes an inability owing on the loan, insurance companies on behalf of their debt to banks liquidated I, at the same time exercise the right to recover from the collateral, or to the insured recover compensation awards; Now the market is the impact of policies, mostly property insurance, and lack of a man-made object of the life insurance products.

银行有关人士告诉记者，其实现在不合理的关键是险种问题，个人贷款购房业务至少需要三类风险保障：一是主要保障房产遭受意外事故和自然灾害毁损的风险的抵押住房的财产保险；二是贷款者的定期信用人寿保险，主要是在还贷期内贷款人因疾病或意外伤害而丧失工作能力或死亡的情况下，保证银行能安全收回贷款，贷款者的家人能继续居住；三是抵押贷款购房履约保证保险，主要是在当被担保人因为死亡、失业等约定原因无力还贷时，保险公司代其向银行清偿余债，同时行使追偿权，从抵押物中得到补偿。。。。。。

And indicates that assuring the insurance must possess five elements: firstly, existent of insurable risk; secondly, congregation and disgregation of many homogeneous risks; thirdly, rating of insurance premium rate; fourthly, setting up insurance capital; fifthly, making the insurance contract.

指出保险的确立必须具备五个要素：一是可保风险的存在；二是大量同质风险的集合与分散；三是保险费率的厘定；四是保险基金的建立；五是保险合同的订立。

A carrier gas such as nitrogen is directed through line 20 and valve 22 to connect with line 26 and mix with the gas sample.

如氮气之类的载体通过管线20和阀22引入，与管线26相通，与气体样品混合。

But for the most part, knaves and parasites had the command of his fortune

然而支配他的家产的大多是恶棍和寄生虫。