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The patients with the age of 0～15,16～39,40～55 and 55-should pay for 81%,76%,73% and 68% of the actual expense,respectively. Unmarried patients and married patients should pay for 79% and 71%,respectively. Basic hospitalization insurer ,commercial insurer ,people at one's own expense and at public expense should pay for 74%,69%,76% and 63%,respectively.

0~15岁、16~39岁、40~55岁和55岁以上的病人分别只需偿还实际费用的81%、76%、73%和68%，未婚和已婚病人分别需要偿还实际费用的79%和71%，基本医保、商业保险、自费医疗和公费医疗的人群分别只需偿还实际费用的74%、69%、76%和63%。

Article 28 When an insurer transfers part of its accepted business to another insurer by way of cession, it is referred to as reinsurance.

第二十八条保险人将其承担的保险业务，以承保形式，部分转移给其他保险人的，为再保险。

Article 22 When a claim for indemnity or payment of the insurance benefits is lodged with the insurer after the occurrence of an insured event, the applicant, the insured or the beneficiary shall, to the best of their knowledge and ability, provide the insurer with evidence and information which is relevant

第二十二条保险事故发生后，依照保险合同请求保险人赔偿或者给付保险金时，投保人、被保险人或者受益人应当向保险人提供其所能提供的与确认保险事故的性质、原因、损失程度等有关的证明和资料。

Article 23 Where a claim for indemnity or payment of insurance benefits is lodged with the insurer after the occurrence of the insured event, the applicant, the insured or the beneficiary shall, to the best of their ability, provide the insurer with evidence and other material relevant to ascertaining the nature, the cause and the extent of the loss.

第二十三条保险事故发生后，依照保险合同请求保险人赔偿或者给付保险金时，投保人、被保险人或者受益人应当向保险人提供其所能提供的与确认保险事故的性质、原因、损失程度等有关的证明和资料。

Given the fact that the insurer always fails to commit his explanation obligation strictly in line with current laws, the manners of explanation obligation, namely, combining insurer's active explanation with positive reply, and the modificative common standard should be promulgated in a bid to compromise interests of the insurer and the policy holder.

目前保险人对于说明义务的履行达不到法律要求，应改进说明义务的履行方式，采取保险人主动说明与回答咨询相结合的方式，并采取"修正的一般标准"以兼顾保险人与投保人的利益平衡。

Through the nowadays situation of the international community insurance industry and the developments of the present condition with the economy, we can see that the environment liability insurance starts presenting the tendency of insurance industry being combined with banking and stock certificate industry, the insurance means combined with tax means, the insurer combined with insured benefits, the insurer combined with insurer, the insurance liability insurance compensation combined with environmental indemnification fund and the insurance being commercial combined with the insurance acculturates increasingly.

结合世界各国保险业和经济发展现状，可以看出，环境责任保险开始呈现出保险业与银行业、证券业结合，保险手段与税收手段结合，保险人与被保险人利益结合，保险人与保险人结合，环境责任保险与环境赔偿基金结合以及保险商业化与保险社会化日益结合等方面的趋势。

83Provided always that the Insurer has previously admitted liability under this Policy, any claimant under this Policy shall, at the expense of the Insurer do, and concur in doing and permit to be done all such acts and things as may be reasonably required by the Insurer for the purpose of enforcing any rights and remedies, or of obtaining relief or indemnity from other parties to which the Insurer shall be or would become entitled or subrogated, upon its paying for or making good any loss or damage under this Policy, whether such acts and things shall be or become necessary or required before or after his indemnification by the Insurer

惟保险人先前承认本保单的赔偿责任，根据本政策有任何赔偿请求人，在保险人expense做，并且同意这样做，并准许作出所有这些行为，可能是由保险人合理要求的东西为强制执行任何权利和补救措施，或从其他缔约方获得救济或赔偿的目的，该保险公司应或将成为有权或代位，在其支付或取得良好根据本政策有任何损失或损害，这种行为是否和东西都要或成为必要或前或后，他被保险人的赔偿要求

If an insurance agent conducts any acts beyond the authorized scope in handling insurance business for the insurer, and the insurant is justified to believe that it is authorized and has signed the insurance contract, the insurer shall bear the insurance liabilities; however, the insurer may claim damages against the insurance agent ultra vires pursuant to law.

保险代理人为保险人代为办理保险业务，有超越代理权限行为，投保人有理由相信其有代理权，并已订立保险合同的，保险人应当承担保险责任；但是保险人可以依法追究越权的保险代理人的责任。

If an insurance agent conducts any acts beyond the authorized scope in handling insurance business for the insurer, and the insurant is justified to believe that it is authorized and has signed the insurance contract, the insurer shall bear the insurance liabilities; however, the insurer may claim damages agaisnt the insurance agent ultra vires pursuant to law.

保险代理人为保险人代为办理保险业务，有超越代理权限行为，投保人有理由相信其有代理权，并已订立保险合同的，保险人应当承担保险责任；但是保险人可以依法追究越权的保险代理人的责任。

State Senate Republicans yesterday proposed their own plan to bail out financially strapped Empire Blue Cross/ Blue Shield and hold rate hikes the state's largest insurer seeks to an average of10% to15%.

纽约］州参议院的共和党人士昨天提出了他们自已的方案，去救助财务困难的纽约蓝十字／蓝盾牌［医疗保险公司］，以便将该州最大保险公司所争取的提高保费维持在平均百分之十到百分之十五。；He submitted a claim to the insurer。

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。