保险人

Where the insurer pays for a total loss, either of the wh ole, or in the case of goods of any apportionable part, of the subject-matter in sured, he thereupon becomes entitled to take over the interest of the assured in what ever may remain of the subject-matter so paid for, and he is thereby subrogated to all t he fights and remedies of the assured in and in respect of that subject-matter as from t he time of the casualty.

1保险人赔付保险标的全损之后，不论赔付的是整体全损，还是货物的可分割部分的全损，均有权接管被保险人在该已赔付保险标的上可能留下的任何利益，并从造成保险标的损失的事故发生之时起，取得被保险人在该保险标的上的一切权利和救济。

In particular- Where the policy is void, or is avoided by the insurer as from the commencement of the risk, the premium is returnable, provided that there has been no fraud or illegality on the part of the assured; but if the risk is not apportionable, and has once attached, the premium is not returnable.

特别是：如果被保险人不存在欺诈或非法行为，在保险人宣布自风险开始起，保险单无效或撤销保险单，保险费应予退回；但若该风险是不可分割的，一旦保险责任已开始，则保险费不得退回。

A Where the policy is void, or is avoided by the insurer as from the commencement of the risk, the premium is returnable, provided that there has been no fraud or illegality on the part of the assured; but if the risk is not apportionable, and has once attached, the premium is not returnable.

a 如果被保险人不存在欺诈或非法行为，在保险人宣布自风险开始起，保险单无效或撤销保险单，保险费应予退回；但若该风险是不可分割的，一旦保险责任已开始，则保险费不得退回。

A Where the policy is void, or is avoided by the insurer as from the mencement of the risk, the premium is returnable, provided that there has been no fraud or illegality on the part of the assured; but if the risk is not apportionable, and has once attached, the premium is not returnable

a 如果被保险人不存在欺诈或非法行为，在保险人宣布自风险开始起，保险单无效或撤销保险单，保险费应予退回；但若该风险是不可分割的，一旦保险责任已开始，则保险费不得退回。

2Where the consideration for the payment of the premium is ap portionable and there is a total failure of any apportionable part of the conside ration, a proportionate part of the premium is, under the like conditions, thereupon returnable to the assured.

3特别是：如果被保险人不存在欺诈或非法行为，在保险人宣布自风险开始起，保险单无效或撤销保险单，保险费应予退回；但若该风险是不可分割的，一旦保险责任已开始，则保险费不得退回。

3In particularWhere the policy is void, or is avoided by the insurer as from the commencement of the risk, the premium is returnable, provided tha t there has been no fraud or illegality on the part of the assured; but if the risk i s not apportionable, and has once attached, the premium is not returnable.

b如果保险标的或其他部分从未处于危险之中，保险费或该比例部分的保险费便可退回；但是，如果保险标的是按&无论是否已灭失&条件保险，且当合同订立时该条保险标的已经安全到达，保险费亦不得退回，除非订立合同时，保险人已知道其业已安全到达。

When the hospital is evadable to the risk, the best countermeasure is that let the hospital take on part risk, and obtain the hospital's cooperation.

其实质上是医疗费用风险在保险人与医院之间的最优分配，以减少交易费用，达到控制医疗费用不合理增长的目的。

Where the assured is over-insured by double insurance, such insurer is bound, as between himself and the other insurers, to contribute ratably to the loss in proportion to the amount for which he is liable under his contract.

(1) 在被保险人因重复保险而造成超额保险之场合，各保险人相互之间有义务按其合同负责的数额比例分摊损失。

In liability insurance,the participation right of the insurer is the right to decide,reconciliate and defend the insured negotiated compensations with the third party after the accident.

在责任保险中，当责任保险的责任发生后，保险人在被保险人和第三人协商赔偿的过程中，享有决定、和解以及进行抗辩的权利。

The insurer may reinsure the insurance of the subject matter enumerated in the preceding paragraph.

保险人可以将对前款保险标的的保险进行再保险。

I can not make it blossom and suits me

我不能让树为我开花

When temperatures are above approximately 80 °C discolouration of the raceways or rolling elements is a frequent feature.

当温度高于 80 °C 左右时，滚道或滚动元件褪色是很常见的特征。