投保人

The fact that the young Inigo, the policy holder, likewise perished in the flames only serves to make the matter more problematic: his powerful family, despite having ejected and disinherited this degenerate son, is notoriously disinclined to give up anything owed to them.

但年轻的投保人因格也已葬身火海，这就惹上了更多麻烦：他的家族颇有权势，虽然早就把这堕落的儿子撵出了家门，剥夺了继承权，可轮到别人该付给他们的钱，那可是臭名昭著的不肯放松。

The new insurance law also states that if the insurance company revokes the contract for the transferal of the subject matter of the insurance contract, the insurance company should return the insurance fee to the applicant after deducting the costs for processing the paperwork of such a request.

新保险法还规定：保险公司因保险标的转让导致危险程度显著增加而解除合同的，应当将已收取的保险费扣除应收部分后，退还投保人。

An applicant, an insured or a beneficiary defrauds insurance money by inventing stories of an insured accident that does not occur

三投保人、被保险人或者受益人编造未曾发生的保险事故，骗取保险金的

An applicant, an insured or a beneficiary defrauds insurance money by cooking up the cause of an insured accident or overstates the extent of loss

二投保人、被保险人或者受益人对发生的保险事故编造虚假的原因或者夸大损失的程度，骗取保险金的

An applicant defrauds insurance money by deliberately falsifying the subject matter of the insurance

一投保人故意虚构保险标的，骗取保险金的

An applicant or an insured defrauds insurance money by deliberately causing the occurrence of an insured accident that leads to property damage; or

四投保人、被保险人故意造成财产损失的保险事故，骗取保险金的

An applicant or a beneficiary defrauds insurance money by deliberately causing the death, disability or illness of the insured.

投保人、受益人故意造成被保险人死亡、伤残或者疾病，骗取保险金的。

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。

Policy holder , the insured, or the beneficiary fabricates false causes to insurance incident or

投保人、被保险人或者受益人对发生的保险事故编造虚假的原因或者夸大损失的程度，骗取保险金的

Policy holder, the insured, or the beneficiary fabricates false causes to insurance incident or inflate the extent of loss to deceive insurance money

投保人、被保险人或者受益人对发生的保险事故编造虚假的原因或者夸大损失的程度，骗取保险金的

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。