保险受益人

Article 23 The insurer shall, in a timely manner after the receipt of a claim for indemnity or for payment of the insurance benefits from the insured or the beneficiary, ascertain and determine whether to make the indemnity or effect the payment of the insurance benefits, and shall fulfill its obligations

第二十三条保险人收到被保险人或者受益人的赔偿或者给付保险金的请求后，应当及时作出核定；对属于保险责任的，在与被保险人或者受益人达成有关赔偿或者给付保险金额的协议后十日内，履行赔偿或者给付保险金义务。

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 An insurer shall, after receiving a claim for indemnity or payment of insurance from an insured or a beneficiary, make an examination and decision in time; as for those within the realm of insurance liability, he shall perform the liability of indemnity or payment of the insurance within 10 days after coming to an agreement on indemnity or payment of the insurance with the insured or the beneficiary.

第二十三条保险人收到被保险人或者受益人的赔偿或者给付保险金的请求后，应当及时作出核定；对属于保险责任的，在与被保险人或者受益人达成有关赔偿或者给付保险金额的协议后十日内，履行赔偿或者给付保险金义务。

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 23 The insurer shall, in a timely manner after the receipt of a claim for indemnity or for payment of the insurance benefits from the insured or the beneficiary, ascertain and determine whether to make the indemnity or effect the payment of the insurance benefits, and shall fulfill its obligations for such indemnity or payment within ten (10) days after an agreement is reached with the insured or the beneficiary on the amount of indemnity or payment.

第二十三条保险人收到被保险人或者受益人的赔偿或者给付保险金的请求后，应当及时作出核定；对属于保险责任的，在与被保险人或者受益人达成有关赔偿或者给付保险金额的协议后十日内，履行赔偿或者给付保险金义务。

In a study of Medicare beneficiaries who were eligible for drug benefits from 1999 to 2004, Dr. Solomon's team assessed the occurrence of cardiovascular events (MI, stroke, heart failure, and cardiovascular death) in 76,082 new users of COX-2 inhibitors, 53,014 new users of nonselective NSAIDs, and 46,558 who didn't use either type of drug.

在 一个对1999至2004年适宜应用该药的医疗保险受益人的研究中，Solomon博士的团队评估了76082名新近应用了COX－2受体抑制剂，53014名新近应用了非选择性非甾体抗炎药，和46558名两类药物均没有应用的患者的心血管事件（心肌梗死，中风，心衰和心血管死亡）发生情况。

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 internal factors of the existence of insurance fraud is that the insuranced can repay expensively on less investment.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 .

投保人可以以较少的&投入&获得奇高的回报，是保险欺诈产生的内在基础；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；对保险欺诈行为的宽恕与怂恿以及司法机关对保险欺诈行为打击不力，也是保险欺诈广泛存在、屡禁不止的社会原因。

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。

Minimum investment for maximum interest is the internal origin of insurance swindling; the policy-holder, the insurant, the beneficiary or the clerk of the insurance company take advantages of the bugs in insurance contracts and insurance company management to aim at illegal income by means of inventing insurance object, producing false notice about the risk faced by the insurance object, repeating buying the same insurance item, or buying insurance services via insurance object without insurance interest.

投保人以较少的&投入&获得奇高的回报，是保险欺诈产生的内在基础；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，通过虚构保险标的、对保险标的所面临的风险做虚假告知、购买重复保险、以不具有保险利益的保险标的投保。

Neither the killing of Mr Zarqawi nor any breakthrough on the political front will stop the insurgency and the fratricidal murders in their tracks.

在对危险的南部地区访问时，他斥责什叶派民兵领导人对中央集权的挑衅行为。

In fact,I've got him on the satellite mobile right now.

实际上 我们已接通卫星可视电话了