投保人

Insurance contract is aleatory contract, because whether insurer has the obligation to pay insurance benefit or not and the exact number of it all depend on whether insurance accident occurs or not and the degree of damage. Therefore, applicant can obtain huge amount of insurance benefit when insurance accident occurs, but on the contrary, applicant lose premiums when insurance accident does not occur.

保险合同是射幸合同，这是由于保险人是否负有保险金的给付义务以及应为给付时的具体数额的多少取决于保险事故是否发生及其损害的大小，因此对投保人而言，在保险事故发生时将获得巨额保险金；反之，在保险事故不发生时，投保人即丧失保险费。

For the sake of equilibrating position differences of both parties , the insurance law rules the assurer 's elucidation obligation of the responsibility clause in the contract .

[1]在这里笔者主要论述保险人的说明义务，即保险人与保险合同订立阶段，依法应当履行的，将保险合同条款，所含专业术语及有关文件内容，向投保人陈述，解释清楚，以便使投保人准确的理解自己的合同权利与义务的法定义务。

This thesis has introduced a system that charge and pay the premium for the policyholder of the insurance company.The function of this system is that the bank replaces the insurance company to charge and pay the insurance premium.The system facilitates the policyholders, and reduces the flowing amount of the cash of the insurance company .And at the same time the system promotes the fund backset of the bank , and makes the objective economic benefits.

本文分析了一套针对代收付平安保险公司投保人保费的系统，该系统的功能是实现银行部门代替保险公司收取和交付保险费，方便了投保人，减少了保险公司的现金流动量，同时提升了银行的资金回流，取得可观的经济效益。

I broaden and deepen the assumption ,and is that in the insurance economy where there two types of policyholders ,the truths, who always report the true state of the insurance accident, and the Dares, who dare misreport the true state of the insurance accident ,the study shows that no separating contract exists.

本文在前人现有的研究成果上，对保险欺诈研究问题进行了拓宽和深化，即基于现实保险市场并非所有的投保人都是不诚信(来源：f1ABC论af文网www.abclunwen.com)的情况下，把保险市场上的投保人分为两种投保人即诚实和不诚实的投保人，来对保险欺诈进行研究，研究结果表明不存在分离保险合同。

In the event that the applicant has wrongly given the age of the insured, thus causing him to underpay the premiums, the insurer shall have the right to rectify the mistake and demand the applicant to pay the balance, or when paying insurance benefits, reduce the payment in the proportion which the amount of premiums actually paid bears to the amount that should have been paid.

投保人申报的被保险人年龄不真实，致使投保人支付的保险费少于应付保险费的，保险人有权更正并要求投保人补交保险费，或者在给付保险金时按照实付保险费与应付保险费的比例支付。

If a policy indemnifies additional joint insured, namely in addition to the insured specified in this Clause, the Contractor shall act under the policy on behalf of these additional joint insured except that the Employer shall act for Employer's Personnel, additional joint insured shall not be entitled to receive payments directly from the insurer or to have any other direct dealings with the insurer, and the insuring Party shall require all additional joint insured to comply with the conditions stipulated in the policy.

如果某一保险单保障了另外的联合被投保人，即本条款规定的被投保人以外的被投保人，则承包商应代表此类另外的联合被投保人根据保险单行动（雇主代表雇主的人员行动的情况除外），另外的联合被投保人应无权直接从承保人处获得支付，或者直接与承保人办理任何业务，以及保险方应要求所有另外的联合被投保人遵循保险单规定的条件。

Then in the pooling contract, if the proportion of Dares is large enough, the loss is overcompensated, if the proportion of Dares is small, loss is undercompensated.

在混同保险合同中，当保险市场上不诚信的投保人比例足够大的时候，保险公司应该向投保人提供过度保险，当不诚信投保人的比例比较小时，保险公司应该向投保人提供部分保险。

In the event that the applicant has misstated the age of the insured, thus underpaying the premiums, then the insurer shall have the right to correct the misstatement and request the applicant to pay the balance, or to reduce the payment of the insurance benefits in proportion to the amount of premiums

投保人申报的被保险人年龄不真实，致使投保人支付的保险费少于应付保险费的，保险人有权更正并要求投保人补交保险费，或者在给付保险金时按照实付保险费与应付保险费的比例支付。

In the event that the applicant has misstated the age of the insured, thus underpaying the premiums, then the insurer shall have the right to correct the misstatement and request the applicant to pay the balance, or to reduce the payment of the insurance benefits in proportion to the amount of premiums actually paid to the amount that should have been paid.

投保人申报的被保险人年龄不真实，致使投保人支付的保险费少于应付保险费的，保险人有权更正并要求投保人补交保险费，或者在给付保险金时按照实付保险费与应付保险费的比例支付。

Baodi Branch emphasized the exception clauses in bold-face in the text of the motor vehicle third party liability insurance contract, which proves that it has fulfilled the obligation of reminding the insurant to pay attention to the exception clauses, however, according to the facts and evidence of this case, such emphasis can't prove that Baodi Branch has fulfilled its obligation of fully disclosing the concept, contents and legal consequences of the exception clauses to the insurant or the agent thereof either in writing or orally so as to make the insurant fully understand the real meanings of such clauses and the legal consequences thereof.

平安保险宝坻支公司在涉案机动车辆第三者责任险保险合同文本中以黑体字提示免责条款的行为，仅仅是尽到了提醒投保人注意的义务，根据本案事实、证据，不能认定平安保险宝坻支公司已经履行了就免责条款的概念、内容及其法律后果等以书面或者口头形式向投保人或其代理人作出解释，以使投保人明了该条款的真实含义和法律后果的明确说明义务。

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。