中华人民共和国保险法

INSURANCE LAW OF THE PEOPLE"S REPUBLIC OF CHINA

（1995年6月30日第八届全国人民代表大会常务委员会第十四次会议通过）
(Adopted at the 14th Session of the Standing Committee of the Eighth National Peoples Congress on June 30, 1995, and promulgated by Order No. 51 of the President of the Peoples Republic of China on June 30, 1995)

第一章 总则
General Provisions

第一条 为了规范保险活动，保护保险活动当事人的合法权益，加强对保险业的监督管理，促进保险事业的健康发展，制定本法。
Article 1 This Law is promulgated with the purpose of regulating insurance activities, protecting the legitimate rights and interests of the parties involved, strengthening supervision and regulation of the insurance industry and promoting its healthy development.

第二条本法所称保险，是指投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。
Article 2 "Insurance" is the term used in this Law to refer to a commercial insurance transaction whereby an insurance applicant, as contracted, pays insurance premiums to the insurer, and the insurer bears an obligation to indemnify for property loss or damage caused by an occurrence of a possible event that is agreed upon in the contract, or to pay the insurance benefits when the insured person dies, is injured or disabled, suffers diseases or reaches the age or term agreed upon in the contract.

第三条在中华人民共和国境内从事保险活动，适用本法。
Article 3 All insurance activities within the territory of the People's Republic of China (hereinafter referred to as "the PRC") shall be governed by this Law.

第四条从事保险活动必须遵守法律、行政法规，遵循自愿和诚实信用的原则。
Article 4 Any insurance activity shall be in conformity with laws and administrative regulations and shall be conducted voluntarily under the principle of utmost good faith.

第五条经营商业保险业务，必须是依照本法设立的保险公司。其他单位和个人不得经营商业保险业务。
Article 5 Legal entities engaged in commercial insurance must be insurance companies established in accordance with this Law; no other entity or individual is permitted to transact commercial insurance business.

第六条在中华人民共和国境内的法人和其他组织需要办理境内保险的，应当向中华人民共和国境内的保险公司投保。
Article 6 Any person or entity within the territory of the PRC that needs insurance coverage within the PRC territory shall insure himself/herself/itself with insurance companies established within the territory of the PRC.

第七条保险公司开展业务，应当遵循公平竞争的原则，不得从事不正当竞争。
Article 7 Insurance companies shall observe the principle of fair competition when conducting insurance business and shall never engage in unfair competition.

第八条国务院金融监督管理部门依照本法负责对保险业实施监督管理。
Article 8 The financial supervision and regulation department under the State Council shall be responsible for supervision and regulation of the insurance industry in accordance with this Law.

第二章 保险合同
Insurance Contracts

第一节 一般规定
Section 1 General Provisions

第九条保险合同是投保人与保险人约定保险权利义务关系的协议。
Article 9 An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer.

投保人是指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人。
An applicant refers to the party who enters into an insurance contract with an insurer and is obligated to pay the premiums under the insurance contract.

保险人是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。
An insurer refers to the insurance company which enters into an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits.

第十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。
Article 10 An applicant and an insurer shall enter into an insurance contract on a fair, voluntary and mutually beneficial basis through consultation and shall never infringe upon the public interest.

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。
Insurance companies and other entities shall never force others to enter into any insurance contract, except for those insurances made compulsory by laws and administrative regulations.