第十七条 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。

投保人故意隐瞒事实，不履行如实告知义务的，或者因过失未履行如实告知义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除保险合同。

投保人故意不履行如实告知义务的，保险人对于保险合同解除前发生的保险事故，不承担赔偿或者给付保险金的责任，并不退还保险费。

投保人因过失未履行如实告知义务，对保险事故的发生有严重影响的，保险人对于保险合同解除前发生的保险事故，不承担赔偿或者给付保险金的责任，但可以退还保险费。

保险事故是指保险合同约定的保险责任范围内的事故。

第十八条 保险合同中规定有关于保险人责任免除条款的，保险人在订立保险合同时应当向投保人明确说明，未明确说明的，该条款不产生效力。

【参考详文】

The Conclusion of an Insurance Contract

Article 17 In concluding an insurance contract, the insurer should explain the contents of the clauses of the insurance contract and may raise inquiries on matters concerning the objects of insurance or the insurant, and the insurant shall make true representations.

If the insurant conceals facts deliberately and refuses to perform the obligations of making true representations or fails to perform the obligations of making representations due to negligence that would be enough to affect the insurer from making the decision of whether or not to agree to accept the insurance or raise the insurance premium, the insurer has the right to terminate the insurance contract.

If the insurant deliberately refuses to perform the obligations of making true representations, the insurer shall not undertake to pay indemnity or insurance money for insured risks that occur before the contract is terminated and shall not return the insurance premium.

If the insurant fails to perform the obligations of making representations due to negligence, thereby seriously affecting the occurrence of insured risks, the insurer shall not undertake to pay indemnity or insurance money for contingency that occurs before the contract terminates but may return the insurance premium.

Insured risks refer to the contingencies or perils covered by the insurance as agreed upon in the insurance contract

Article 18 If an insurance contract provides for the exemption of liabilities for the insurer, the insurer shall clearly state in before signing the insurance contract. If no clear statement is made about it, the clause shall not be binding.

【知识小贴士】

保险事故(Insured Risks)

我国《保险法》第十六条第五款规定:“保险事故是指保险合同约定的保险责任范围内的事故。”也就是说保险事故指“保险人依保险契约所负责任之事由，亦即保险人应负担之危险。”

责任编辑：admin