中華人民共和國保險法英語翻譯：第三節(jié)人身保險合同（中英對照）
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Section 3 Contract of Insurance of Persons
第三節(jié)人身保險合同
Article 51 A contract of insurance of persons is an insurance contract insuring a person's life and body.
第五十一條 人身保險合同是以人的壽命和身體為保險標的的保險合同。
The contract of insurance of persons mentioned in this Section is briefly referred to as "the contract," unless specified otherwise.
本節(jié)中的人身保險合同，除特別指明的外，簡稱合同。
Article 52 The applicant has insurable interests over the following persons:
第五十二條 投保人對下列人員具有保險利益：
The applicant himself/herself;
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The applicant's spouse, children and parents; or
?。ǘ┡渑?、子女、父母；
Other family members or close relatives, apart from the aforementioned, who have relations of fostering, supporting and maintaining with the applicant.
（三）前項以外與投保人有撫養(yǎng)、贍養(yǎng)或者扶養(yǎng)關系的家庭其他成員、近親屬。
Notwithstanding the foregoing, with the consent of the insured to enter into a contract for the insured, the applicant shall be regarded as having an insurable interest on the insured.
除前款規(guī)定外，被保險人同意投保人為其訂立合同的，視為投保人對被保險人具有保險利益。
Article 53 If the age of the insured is not correctly given by the applicant, and the actual age of the insured does not fall within the age range specified by the contract, the insurer may terminate the contract and return the premiums to the applicant after deducting expenses therefrom. However, this does not apply to contracts which have been in force for two (2) years or more.
第五十三條 投保人申報的被保險人年齡不真實，并且其真實年齡不符合合同約定的年齡限制的，保險人可以解除合同，并在扣除手續(xù)費后，向投保人退還保險費，但是自合同成立之日起逾二年的除外。
In the event that the applicant has misstated the age of the insured, thus underpaying the premiums, then the insurer shall have the right to correct the misstatement and request the applicant to pay the balance, or to reduce the payment of the insurance benefits in proportion to the amount of premiums actually paid to the amount that should have been paid.
投保人申報的被保險人年齡不真實，致使投保人支付的保險費少于應付保險費的，保險人有權更正并要求投保人補交保險費，或者在給付保險金時按照實付保險費與應付保險費的比例支付。
In the event that the applicant has misstated the age of the insured, thus overpaying the premiums, then the insurer shall return the overpaid portion to the applicant.
投保人申報的被保險人年齡不真實，致使投保人實付保險費多于應付保險費的，保險人應當將多收的保險費退還投保人。
Article 54 An applicant shall not apply for and the insurer shall not underwrite an insurance of persons that stipulates death as a prerequisite for the payment of the insurance benefits on a person without civil legal capacity.
第五十四條 投保人不得為無民事行為能力人投保以死亡為給付保險金條件的人身保險，保險人也不得承保。
The restriction stipulated in the preceding paragraph shall not apply to the case where parents apply for insurance of persons on minor children. However, the total amount of the death benefits shall not exceed the limit as stipulated by the financial supervision and regulation department.
父母為其未成年子女投保的人身保險，不受前款規(guī)定限制，但是死亡給付保險金額總和不得超過金融監(jiān)督管理部門規(guī)定的限額。
Article 55 A contract stipulating death as the prerequisite for the payment of the insurance benefits is not valid unless its amount is consented to in writing by the insured.
第五十五條 以死亡為給付保險金條件的合同，未經(jīng)被保險人書面同意并認可保險金額的，合同無效。
An insurance policy stipulating death as the prerequisite for the payment of the insurance benefits shall not be transferred or mortgaged without the written consent of the insured.
依照以死亡為給付保險金條件的合同所簽發(fā)的保險單，未經(jīng)被保險人書面同意，不得轉(zhuǎn)讓或者質(zhì)押。
If parents apply for an insurance of persons on their minor children, the restriction stipulated in paragraph one of this Article shall not apply.
父母為其未成年子女投保的人身保險，不受第一款規(guī)定限制。
Article 56 After the establishment of the contract, the applicant may pay the premium by a single premium or by installments in accordance with the terms of the contract.
第五十六條 投保人于合同成立后，可以向保險人一次支付全部保險費，也可以按照合同約定分期支付保險費。
If the contract stipulates that the premium is to be paid by installments, the applicant shall pay the first installment at the inception of the contract and the other installments as scheduled.
合同約定分期支付保險費的，投保人應當于合同成立時支付首期保險費，并應當按期支付其余各期的保險費。
Article 57 If the contract specifies payment of the premiums by installments and the applicant has paid the first installment but fails to pay any subsequent installments within a sixty (60) days grace period, the contract shall lapse, or the insurer shall reduce the insured amount in accordance with the contract, unless specified otherwise in the contract.
第五十七條 合同約定分期支付保險費，投保人支付首期保險費后，除合同另有約定外，投保人超過規(guī)定的期限六十日未支付當期保險費的，合同效力中止，或者由保險人按照合同約定的條件減少保險金額。
Article 58 A contract which lapses in accordance with the preceding Article can be reinstated provided that the insurer and the applicant have reached an agreement and that the applicant has paid the outstanding premiums. However, the insurer has the right to terminate the contract if no agreement has been reached by both parties within two (2) years from the date of the lapse of the contract.
第五十八條 依照前條規(guī)定合同效力中止的，經(jīng)保險人與投保人協(xié)商并達成協(xié)議，在投保人補交保險費后，合同效力恢復。但是，自合同效力中止之日起二年內(nèi)雙方未達成協(xié)議的，保險人有權解除合同。
When an insurer terminates the contract in accordance with the preceding paragraph, and the applicant has paid the premiums for two years or more, the insurer shall return the cash value of the policy to the applicant in accordance with the contract. In the event that the applicant has paid the premiums for less than two years , the insurer shall return the premiums to the applicant with the expenses deducted therefrom.
保險人依照前款規(guī)定解除合同，投保人已交足二年以上保險費的，保險人應當按照合同約定退還保險單的現(xiàn)金價值；投保人未交足二年保險費的，保險人應當在扣除手續(xù)費后，退還保險費。
Article 59 The insurer shall not resort to legal proceeding to demand the payment of the insurance premiums of insurance of persons from the applicant.
第五十九條 保險人對人身保險的保險費，不得用訴訟方式要求投保人支付。
Article 60 The beneficiary of the insurance of persons shall be designated by the insured or the applicant.
第六十條 人身保險的受益人由被保險人或者投保人指定。
The designation of the beneficiary by the applicant is subject to the approval of the insured.
投保人指定受益人時須經(jīng)被保險人同意。
If the insured is a person without civil legal capacity or a person with limited civil legal capacity, the beneficiary may be designated by the guardian of the insured.
被保險人為無民事行為能力人或者限制民事行為能力人的，可以由其監(jiān)護人指定受益人。
Article 61 The insured or the applicant may designate one or more persons as the beneficiaries.
第六十一條 被保險人或者投保人可以指定一人或者數(shù)人為受益人。
In the event that there is more than one beneficiary, the insured or the applicant may specify the order of distribution of the payment of the insurance benefits and their respective proportions; in the absence of such specifications on proportions, all the beneficiaries shall share the benefits on an equal basis.
受益人為數(shù)人的，被保險人或者投保人可以確定受益順序和受益份額；未確定受益份額的，受益人按照相等份額享有受益權。
Article 62 The insured or the applicant may change the beneficiary by a written notice to the insurer. The insurer shall endorse the change on the policy upon receipt of the notice.
第六十二條 被保險人或者投保人可以變更受益人并書面通知保險人。保險人收到變更受益人的書面通知后，應當在保險單上批注。
The applicant may change the beneficiary subject to the consent of the insured.
投保人變更受益人時須經(jīng)被保險人同意。
Article 63 In the event of the death of the insured, the payment of the insurance benefits shall be treated as part of the estate of the insured, and the insurer shall pay the insurance benefits to the legal heirs of the insured, if :
第六十三條 被保險人死亡后，遇有下列情形之一的，保險金作為被保險人的遺產(chǎn)，由保險人向被保險人的繼承人履行給付保險金的義務：
there is no designated beneficiary ;
（一）沒有指定受益人的；
the beneficiary dies before the insured without other beneficiary being designated ; or
（二）受益人先于被保險人死亡，沒有其他受益人的；
the beneficiary forfeits or surrenders his/her right as such in accordance with laws without other beneficiary being designated.
（三）受益人依法喪失受益權或者放棄受益權，沒有其他受益人的。
Article 64 In the event that the applicant or the beneficiary have intentionally caused the death, disability or illness of the insured, the insurer shall bear no obligation for payment of the insurance benefits. In the event that the applicant has paid premiums for two (2) years or more, the insurer shall, in accordance with the contract, return the cash value of the policy to other beneficiaries, if any.
第六十四條 投保人、受益人故意造成被保險人死亡、傷殘或者疾病的，保險人不承擔給付保險金的責任。投保人已交足二年以上保險費的，保險人應當按照合同約定向其他享有權利的受益人退還保險單的現(xiàn)金價值。
If the beneficiary has intentionally caused the death or disability of the insured, or attempted to cause the death of the insured or the beneficiary shall lose his/her right to claim the insurance benefits.
受益人故意造成被保險人死亡或者傷殘的，或者故意殺害被保險人未遂的，喪失受益權。
Article 65 When a contract stipulates death as the prerequisite for the payment of the insurance benefits then the insurer shall have no obligation for the payment of the insurance benefits if the insured commits suicide, except for the event stipulated in paragraph two of this Article. However, the insurer shall, in respect of the insurance premium already paid by the applicant, return the cash value of the policy in accordance with the terms of the contract.
第六十五條 以死亡為給付保險金條件的合同，被保險人自殺的，除本條第二款規(guī)定外，保險人不承擔給付保險金的責任，但對投保人已支付的保險費，保險人應按照保險單退還其現(xiàn)金價值。
When a contract stipulates death as a prerequisite for the payment of the insurance benefits, the insurer may effect the payment of the insurance benefits in accordance with the contract if the insured commits suicide two (2) years or more after the formation of the contract.
以死亡為給付保險金條件的合同，自成立之日起滿二年后，如果被保險人自殺的，保險人可以按照合同給付保險金。
Article 66 In the event that the insured has died or was disabled as a result of intentionally committing a crime, the insurer shall have no obligation to effect the payment of the insurance benefits. If, however, the applicant has paid premiums for two (2) years or more, the insurer shall return the cash value of the policy to the insured in accordance with the contract.
第六十六條 被保險人故意犯罪導致其自身傷殘或者死亡的，保險人不承擔給付保險金的責任。投保人已交足二年以上保險費的，保險人應當按照保險單退還其現(xiàn)金價值。
Article 67 If the insured suffers from death, disability, or illness as a result of a third party's conduct, the insurer shall have no right of subrogation against the third party after the payment of the insurance benefits.
第六十七條 人身保險的被保險人因第三者的行為而發(fā)生死亡、傷殘或者疾病等保險事故的，保險人向被保險人或者受益人給付保險金后，不得享有向第三者追償?shù)臋嗬?/span>
Article 68 If an applicant who has already paid in full the insurance premiums for two (2) years or more, terminates the contract, then the insurer shall return the cash value of the policy within thirty (30) days after the receipt of the notice of termination in accordance with the contract. If the applicant has paid the insurance premiums for less then two (2) years, then the insurer shall return the remaining premiums after deducting expenses in accordance with the contract.
第六十八條 投保人解除合同，已交足二年以上保險費的，保險人應當自接到解除合同通知之日起三十日內(nèi)，退還保險單的現(xiàn)金價值；未交足二年保險費的，保險人按照合同約定在扣除手續(xù)費后，退還保險費。
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