保险

About 72% of the approximately 25,000 people with new individual policies have purchased them through Commonwealth Choice, an unsubsidized offering of private health plans approved by the Commonwealth Health Insurance Connector Authority, which administers many aspects of the reforms.

大约2.5万人中72%的人购买新的个人保险，他们都是通过联邦选择方案获得的保险。这个选择方案是由联邦医疗保险协调当局批准的提供没有津贴的私人健康保险方案。联邦医疗保险协调当局对这些改革的很多方面进行管理。

It would be fallacious, however, to conclude from this single-year result that the super-cat business is a wonderful one, or even a satisfactory one. A simple example will illustrate the fallacy: Suppose there is an event that occurs 25 times in every century. If you annually give 5-for-1 odds against its occurrence that year, you will have many more winning years than losers. Indeed, you may go a straight six, seven or more years without loss. You also will eventually go broke. At Berkshire, we naturally believe we are obtaining adequate premiums and giving more like 3 1/2-for-1 odds.

伯克希尔本身很适合从事霹雳猫保险的业务，我们有业界最优秀的经理人 Ajit Jain，此外从事这行需要相当雄厚的资金实力，在这点我们公司的净值大概是其他主要竞争对手的 10 到 20 倍，对大部分的保险业务而言，背后所拥有的资源还不是那么地重要，一家保险公司可以很轻易地就把它所承担的风险分散出去，若有必要，也可以降低险种集中度以减低风险，但是对霹雳猫保险这种特殊的保险就没有办法这样子做，所以其它的竞争同业只能被迫降低理赔的上限来因应，而要是他们胆敢承担更高的风险，则一个超大型的意外灾害或是连续发生几个较小型的灾害，就有可能让他们粉身碎骨。

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。

Article 2The term "reinsurance contract" refers to an insurance contract under which the insurer cedes a certain portion of a premium to another insurer and the reinsurance acceptor makes compensation to the cedant for the compensation cost and other relevant expenses arising from the original insurance contract.

第二条再保险合同，是指一个保险人分出一定的保费给另一个保险人，再保险接受人对再保险分出人由原保险合同所引起的赔付成本及其他相关费用进行补偿的保险合同。

The paper probed into the following questions :the scope of applying the waiving of right; the difference between life insurance and property insurance in applying the right-waiving rules when an insurant has no insurable interest; that right-waiving and estoppel are only applied when the insured claim the insurance money; that under the good faith principle, disclaiming and estoppel may be applied when the insurent has no insurable interest.

在此，本文集中探讨了弃权的适用范围、弃权规则在投保人没有保险利益情况下财产保险和人身保险的适用的不同、弃权和禁止反言仅于被保险人行使保险金请求权时适用、人身保险无道德风险即有保险利益等具体规则问题。

Where an insurance agent, when transacting insurance business on behalf of the insurer, oversteps the authority delegated and the applicant has good reason to believe that it has the authority of agency, and has concluded an insurance contract with it, it shall bear the insured liability.

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。

It will also apply the basic endowment insurance, basic hospitalization insurance, working injury insurance, procreating insurance, unemployment insurance for the new employees.

公司为每一位合格的应聘者提供有竞争力的薪水及完善的福利制度，对每一位新进员工承办养老保险、基本医疗保险、工伤保险、生育保险、失业保险。

It will also apply the basic endowment insurance, basic hospitalization insurance, working injury insurance, procreating insurance, unemployment insurance and housing accumulating fund for the new employees.

公司为每一位合格的应聘者提供有竞争力的薪水及完善的福利制度，对每一位新进员工承办养老保险、基本医疗保险、工伤保险、生育保险、失业保险及住房公积金。

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。

I didn't watch TV last night, because it .

昨晚我没有看电视，因为电视机坏了。

Since this year, in a lot of villages of Beijing, TV of elevator liquid crystal was removed.

今年以来，在北京的很多小区里，电梯液晶电视被撤了下来。