保险人义务

Obligations of the Insurer

第三十三条 订立本合同时，采用保险人提供的格式条款的，保险人向投保人提供的投保单应当附格式条款，保险人应当向投保人说明本合同的内容。对本合同中免除保险人责任的条款，保险人在订立合同时应当在投保单、保险单或者其他保险凭证上作出足以引起投保人注意的提示，并对该条款的内容以书面或者口头形式向投保人作出明确说明；未作提示或者明确说明的，该条款不产生效力。

Clause 33 In case the Contract is made in the standard clauses provided by the Insurer, the Insurer shall provide the Insurance Applicant with Insurance Application Form in accordance with the standard clauses and describe to the Insurance Applicant the contents of the Contract. For clauses in the Contract that exempt the Insurer of his responsibilities, the Insurer must make prompts that are sufficiently notable to the Insurance Applicant on Insurance Application Form，Certificate of Insurance or other insurance certificates when the Contract is formed, and make clear written or verbal explanations of such clauses to the Insurance Applicant. Failure of making prompts or clear explanations shall make the clause concerned ineffective.    

第三十四条 本合同成立后，保险人应当及时向投保人签发保险单或其他保险凭证。

Clause 34 The Insurer must sign and issue Certificate of Insurance or other insurance documents to the Insurance Applicant immediately after the Contract are formed.

第三十五条 保险人按照第三十二条的约定，认为被保险人提供的有关索赔的证明和资料不完整的，应当及时一次性通知投保人、被保险人补充提供。

Clause 35 In case the Insurer thinks that the certificates and information provided by the Insurant for the compensation are not complete in accordance with Clause 32, the Insurer must send a one-time notification to the Insurance Applicant and the Insurant to make supplementary provisions.

第三十六条 保险人收到被保险人或直接向保险人提出赔偿请求的第三者（以下简称为“索赔人”）的赔偿保险金的请求后，应当及时作出是否属于保险责任的核定；情形复杂的，应当在三十日内作出核定，但本合同另有约定的除外。

Clause 36 After the Insurer receives the application for compensation for the sum insured from the Insurant or directly from the third party who requests the Insurant for the compensation (hereinafter referred to as “the claimant”), the Insurer must verify immediately whether it falls into insurance responsibilities; for complicated circumstances, the Insurer must make the verification within 30 days unless it is otherwise specified in the Contract.

保险人应当将核定结果通知被保险人；对属于保险责任的，在与被保险人达成赔偿保险金的协议后十日内，履行赔偿保险金义务。本合同对赔偿保险金的期限有约定的，保险人应当按照约定履行赔偿保险金的义务。保险人依照前款的规定作出核定后，对不属于保险责任的，应当自作出核定之日起三日内向被保险人发出拒绝赔偿保险金通知书，并说明理由。

The Insurer must inform the Insurant of the result of the verification; in case the result falls into insurance responsibility, the Insurer must perform the obligation to compensate for the sum insured within 10 days after the agreement on compensation for the sum insured is reached with the Insurant. In case the time limit of compensation for the sum insured is specified in the Contract, the Insurer must perform the responsibility to compensate for the sum insured in accordance with the specification. In case the result does not fall into insurance responsibility after the verification is made by the Insurer in accordance with the above specification, the Insurer must issue the Insurant a notification on refusal of compensation for the sum insured together with explanations of reasons within three days after the verification is made.

第三十七条  保险人自收到赔偿保险金的请求和有关证明、资料之日起六十日内，对其赔偿保险金的数额不能确定的，应当根据已有证明和资料可以确定的数额先予支付；保险人最终确定赔偿的数额后，应当支付相应的差额。

Clause 37 In case the Insurer cannot determine the amount of sum insured to be compensated within 60 days upon receiving the application for compensation for the sum insured and related certificates and data, the Insurer must make a payment in advance for the amount that can be determined in accordance with the available certificates and data; the Insurer must pay the corresponding balance after the amount of compensation is finally defined. 

赔偿处理

Claim Handling

第三十八条　保险人的赔偿以下列方式之一确定的被保险人的赔偿责任为基础：

Clause 38 The compensations made by the Insurer shall be based in any of the following ways that are determined in accordance with the Insurant’s liabilities for damage:

（一）被保险人与索赔人协商并经保险人确认；

 (1) Negotiations between the Insurant and the claimant and confirmation of the Insurer;

（二）仲裁机构裁决；

 (2) Adjudication of arbitration agency;

（三）法院判决；

 (3) Court judgment;

（四）保险人认可的其他方式。

 (4) Other ways authorized by the Insurer.

第三十九条　被保险人给第三者造成损害，被保险人未向该第三者赔偿的，保险人不得向被保险人赔偿保险金。

Clause 39 In case the Insurant damages the third party but does not make any compensation to the third party, the Insurer must not make any compensation for the sum insured to the Insurant.

第四十条  在保险期间内，发生本条款第一至四部分的保险事故后，保险人在保险单中列明的每次事故赔偿限额内承担赔偿责任；对被保险人在每次事故中实际发生的施救费用在每次事故赔偿限额以外另行计算，但最高以每次事故赔偿限额和受损财产自身价值两者中的低者为限；对被保险人在每次事故中实际发生的法律费用在每次事故赔偿限额之外另行计算，但最高不超过每次事故赔偿限额的50%。

Clause 40 After any of the insurance accidents included in Part I through Part IV of these clauses happens during the period of insurance, the Insurer shall bear compensation responsibility within the limit of liability for each accident as specified in the Certificate of Insurance; the sue and labor charges actually incurred to the Insurant in each accident shall be calculated separately out of the limit of liability for each accident, but the maximum amount shall be restricted to the limit of liability for each accident and the value of the damaged property itself, whichever is lower; legal fees actually incurred to the Insurant in each accident shall be calculated separately out of the limit of liability for each accident, but the maximum shall not be more than 50% of the limit of liability for each accident. 

在保险期间内，保险人的累计赔偿金额不超过保险单中列明的累计赔偿限额；对被保险人实际发生的施救费用在累计赔偿限额以外另行计算，但最高不超过累计赔偿限额；对被保险人实际发生的法律费用在累计赔偿限额之外另行计算赔偿，但最高不超过累计赔偿限额的50%。

The accumulative compensation amount of the Insurer shall not exceed the accumulative compensation amount specified in the Certificate of Insurance; the sue and labor charges actually incurred to the Insurant shall be calculated separately out of the accumulative limit of liability, but the maximum shall not exceed the accumulative limit of liability; the legal fees actually incurred to the Insurant shall be calculated separately out of the accumulative limit of liability, but the maximum shall not be more than 50% of the accumulative limit of liability.

第四十一条  发生保险事故时，如果被保险人的损失在有相同保障的其他保险项下也能够获得赔偿，则本保险人按照本合同的赔偿限额与其他保险合同及本合同的赔偿限额总和的比例承担赔偿责任。

Clause 41 When any insurance accident happens, if the damage to the Insurant can also be compensated under other insurance items with the same guarantee, the Insurer shall bear the compensation responsibility in accordance with the proportion of the limit of liability specified in this Contract to the total sum of the limit of liability of other insurance contract and that of this Contract.

其他保险人应承担的赔偿金额，本保险人不负责垫付。若被保险人未如实告知导致保险人多支付赔偿金的，保险人有权向被保险人追回多支付的部分。

This Insurer shall not be responsible to make advancement for the compensation amount that must be borne by another Insurer. In case the Insurer has paid more compensation because the Insurant fails to disclose the truth, the Insurer shall be entitled to recover the excessive portion from the Insurant. 

第四十二条 发生保险责任范围内的损失，应由有关责任方负责赔偿的，保险人自向被保险人赔偿保险金之日起，在赔偿金额范围内代位行使被保险人对有关责任方请求赔偿的权利，被保险人应当向保险人提供必要的文件和所知道的有关情况。

Clause 42 In case any damage incurred within the range of insurance responsibilities, which must be compensated by the related responsible party, the Insurer shall exercise the right instead of the Insurant to request the related responsible party for indemnity within the compensation amount from the date when the compensation should be paid to the Insurant, and the Insurant must provide the Insurer with necessary documents and any known information. 

被保险人已经从有关责任方取得赔偿的，保险人赔偿保险金时，可以相应扣减被保险人已从有关责任方取得的赔偿金额。

In case the Insurant has obtained compensation from the related responsible party, when the Insurer pays the compensation, the Insurer may deduct the corresponding amount of compensation that the Insurant has obtained from the related responsible party.

保险事故发生后，在保险人未赔偿保险金之前，被保险人放弃对有关责任方请求赔偿权利的，保险人不承担赔偿责任；保险人向被保险人赔偿保险金后，被保险人未经保险人同意放弃对有关责任方请求赔偿权利的，该行为无效；由于被保险人故意或者因重大过失致使保险人不能行使代位请求赔偿的权利的，保险人可以扣减或者要求返还相应的保险金。

After an insurance accident happens and before the Insurer compensates for the sum insured, in case the Insurant abandons his right to seek compensation from the related responsible party, the Insurer shall not be responsible for the compensation; after the Insurer has compensated for the sum insured to the Insurant but the Insurant has agreed to abandon his right to seek compensation from the related responsible party without the consent of the Insurer, the action shall be ineffective; in case the Insurer cannot exercise the right instead of the Insurant to seek compensation due to the intention or serious fault of the Insurant, the Insurer may deduct or request to return the corresponding sum insured.

第四十三条 保险赔偿结案后，保险人不再负责赔偿任何新增加的与该次保险事故相关的损失、费用或赔偿责任。  

Clause 43 After any insurance compensation case has been settled, the Insurer shall no longer be responsible to compensate for any newly added loss, expenses or compensation liability that are related to the same insurance accident.

当一次保险事故涉及多名第三者时，如果保险人和被保险人双方已经确认了其中部分第三者的赔偿金额，保险人可根据被保险人的申请予以先行赔付。先行赔付后，保险人不再负责赔偿与这些第三者相关的任何新增加的赔偿金。

In case one insurance accident involves several third parties, if both the Insurer and the Insurant have confirmed the compensation amount for some of the third parties, the Insurer may pay the compensation in advance according to the application of the Insurant. After the payment in advance has been made, the Insurer shall no longer be responsible to compensate for any newly added compensation that is related to such third parties. 

第四十四条  被保险人向保险人请求赔偿保险金的诉讼时效期间为二年，自其知道或者应当知道保险事故发生之日起计算。

Clause 44 The period of limitation for the Insurant to lodge legal proceedings to the Insurer to request for compensation shall be two years, starting from the date when the Insurant knows or must know the occurrence of the insurance accident. 

争议处理

Resolution of Disputes

第四十五条  因本合同发生争议，由当事人协商解决。协商不成的，通过提交保险单载明的仲裁机构仲裁；保险单未载明仲裁机构或者争议发生后未达成仲裁协议的，可向中华人民共和国法院起诉。

Clause 45 Any dispute arising from this Contract shall be resolved through negotiations between the parties involved. In case negotiations fail, the dispute shall be submitted for arbitration by the arbitration agency specified in the Certificate of Insurance; in case no arbitration agency is specified in the Certificate of Insurance or no arbitration agreement has been reached after the dispute arises, a legal proceeding may be lodged to the Court of the People’s Republic of China.

第四十六条  本合同的争议处理适用中华人民共和国法律。

Clause 46 Resolution of dispute involved in the Contract shall be applicable to the Law of the People’s Republic of China.