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。

The direct request right is that the third party can use to claim for the insurance indemnity that the insurer should pay which according to the regulation or contract in environmental liability insurance.

环境责任保险第三人直接请求权是指环境责任保险中第三人依照法律规定或者合同约定请求保险人直接给付保险赔偿金的权利。

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。

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 to ascertain the nature of, the cause for and the extent of the loss due to the occurrence of the insured event.

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 28 The insurer is entitled to terminate the insurance contract and not to refund the premiums if the insured or the beneficiary lies that an insured event has occurred, and submits a claim for indemnity or payment of insurance benefits, although such insured event has not occurred.

第二十八条被保险人或者受益人在未发生保险事故的情况下，谎称发生了保险事故，向保险人提出赔偿或者给付保险金的请求的，保险人有权解除保险合同，并不退还保险费。

Article 27 The insurer may terminate the insurance contract and refuse to return the premiums paid if the insured or the beneficiary falsely claims that an insured event has occurred, and submits a claim for indemnity or payment of the insurance benefits, although such insured event has not occurred.

第二十七条被保险人或者受益人在未发生保险事故的情况下，谎称发生了保险事故，向保险人提出赔偿或者给付保险金的请求的，保险人有权解除保险合同，并不退还保险费。

Coinsurance: Insurance where a number of insurers share the risk or where insured and insurer share the risk.

联合保险：由若干承保人分担风险，或受保险人和承保人分担风险的保险方式。

Coinsurance: Insurance where a number of insurer s share the risk or where insured and insurer share the risk.

联合保险：由若干承保人分担风险，或受保险人和承保人分担风险的保险方式。

Chinese Insurance Regulatory Commission is the govenmental agency regulating all insurance business in China.

中国保险监督管理委员会是全国商业保险的主管部门，其职能是根据国务院授权履行行政管理职能，依照法律、法规统一监督管理全国保险市场，维护保险业的合法、稳健运行。

I propose that we annul suchbenefits as endowment insurance, unemployment insurance and compo etc., in order to maintain the enthusiasm and professionalism of the mass when working.

我建议取消所谓的养老保险、失业保险、工伤保险等等福利，目的是保持大家的工作热情和能力。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。