Article 11 In signing an insurance contract, the insurant and the insurer shall observe the principle of fairness, mutual benefit, reaching agreements through consultation and free will without harming the public interest.
Insurance companies or other entities are not allowed to sign insurance contracts with others by coercion except otherwise provided by law or administrative decrees or regulations.
Article 12 An insurant shall own the insurable interest in the objects of insurance.
If an insurant has no insurable interest in the objects of insurance, the insurance contract shall be invalid.
Insurable interest refers to the interest of the insurant in the objects of insurance recognized by law.
Objects of insurance refer to property or related interest insured or life and health of a person insured.
Article 13 An insurance contract shall hold after the insurant applies for insurance and the insurer agrees to underwrite the insurance and the two sides have reached agreement on the clauses of the contract. The insurer shall issue insurance policies or other insurance certificates to the insurant in a timely manner and specify on the insurance policies or other insurance documents the contents of the contracts agreed by the two sides.
The insurant and the insurer, upon agreement, may also conclude insurance contracts in the form of written agreement other than those provided for in the preceding paragraph.
Article 14 After an insurance contract is concluded, the insurant shall pay premium as agreed upon in the contract and the insurer shall start to undertake insurance liabilities at the time agreed upon.
【知识小贴士】
保费(Premium)
保险人和被保险人之间达成的合同被称为保险单或者保险凭证。为了获得保险单，被保险人同意支付给保险人的金额叫做保险费。损失发生后保险人将支付给被保险人的最高金额是保险价值，它也是计算和支付保险费的基础。
【参考译文】
保险合同
第十一条 投保人和保险人订立保险合同，应当遵循公平互利、协商一致、自愿订立的原则，不得损害社会公共利益。
除法律、行政法规规定必须保险的以外，保险公司和其他单位不得强制他人订立保险合同。
第十二条 投保人对保险标的应当具有保险利益。
投保人对保险标的不具有保险利益的，保险合同无效。
保险利益是指投保人对保险标的具有的法律上承认的利益。
保险标的是指作为保险对象的财产及其有关利益或者人的寿命和身体。
第十三条 投保人提出保险要求，经保险人同意承保，并就合同的条款达成协议，保险合同成立。保险人应当及时向投保人签发保险单或者其他保险凭证，并在保险单或者其他保险凭证中载明当事人双方约定的合同内容。
经投保人和保险人协商同意，也可以采取前款规定以外的其他书面协议形式订立保险合同。
第十四条 保险合同成立后，投保人按照约定交付保险费；保险人按照约定的时间开始承担保险责任。
责任编辑：admin
上一篇：商务翻译例文——工业革命前的英国/England Before the Industrial Revolution
下一篇：商务合同中的数字翻译
微信公众号搜索“译员”关注我们，每天为您推送翻译理论和技巧，外语学习及翻译招聘信息。