投保人

Because of the aleatory nature of insurance contract, the beneficiary can obtain insurance benefit disproportional to the premium when insurance accident occurs.

保险利益原则是指投保人或被保险人对保险标的因具有各种利害关系而享有的法律上承认的经济利益。

Article 30 The reinsurance assignee shall not demand payment of premiums by the applicant of the original insurance.

第三十条再保险接受人不得向原保险的投保人要求支付保险费。

1For the consideration of the payment of premium tax, an insurance company at the place where the legal person or accounting unit of the policy holder is located shall be allowed to issue the blanket policy.

1出于支付保费税的考虑，允许在投保人的法人或核算单位所在地组成的保险公司出具统括保单。

Article 16 When an insurance contract is made, the insurer shall explain the contents of the contract clauses to the applicant for insurance and may make inquiries of him about the conditions relating to the subject-matter to be insured or the person to be insured, and the applicant for insurance shall really inform thereof.

第十六条订立保险合同，保险人应当向投保人说明保险合同的条款内容，并可以就保险标的或者被保险人的有关情况提出询问，投保人应当如实告知。

Obtain from the literature, Western scholars\' premise about studying the issue of insurance fraud is based on the assumption that in the general insurance market, all policyholders are trend to misreport the true state of the insurance accident, when the insurance company investigate the policyholders\' claim, they know the true state of the insurance accident.

本文在收集和整理前人研究关于保险欺诈方面文献的基础上，对保险公司与投保人关于保险欺诈(虚报保险事故、夸大保险损失)的问题进行了博弈研究，并建立了数学模型。从文献可以看出，西方学者研究保险欺诈的问题时其前提假设一般都是基于保险市场上所有的投保人都是不诚信的，索赔调查具有完全性。

The obligor includes not only insurance applicant ,but also its agent and the insured .

告知义务人不仅包括投保人，还应包括投保人的代理人和被保险人。

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。

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。

While the insurance interests system prevents from the insurants'risk effectively,it tempts inˉsurers into cheating in our country.

保险利益制度有效地约束了投保人的行为，在一定程度上防范了投保人风险，但在我国却诱发了保险人欺诈。

Analyzing the existing problems of medical insurance in China with both fair and efficiency took into account,a risk management model is developed for the three sides: social security departments,community's medical-care institutions and insurants.

深入剖析了我国医疗保险现存的问题，在公平与效率兼顾的基础上，借鉴美国管理式医疗的风险管理方法，提出了适合我国国情的全民社会医疗保险模式的构想，即以政府委托社会保障部门作为管理式医疗组织者，通过买入社区医疗服务网络这个买方期权，对冲其对投保人承担的卖出买方期权的风险，建立社会保障部门、社区医疗服务机构和投保人三方三位一体的风险管理模式。

According to the clear water experiment, aeration performance of the new equipment is good with high total oxygen transfer coefficient and oxygen utilization ratio.

曝气设备的动力效率在叶轮转速为120rpm～150rpm时取得最大值，此时氧利用率和充氧能力也具有较高值。

The environmental stability of that world - including its crushing pressures and icy darkness - means that some of its most famous inhabitants have survived for eons as evolutionary throwbacks, their bodies undergoing little change.

稳定的海底环境─包括能把人压扁的压力和冰冷的黑暗─意谓海底某些最知名的栖居生物已以演化返祖的样态活了万世，形体几无变化。