Home > English > Laws & Regulations > Full Text

Interpretation (IV) of the Supreme People's Court on Several Issues concerning the Application of the Insurance Law of the People's Republic of China Not Yet Effective

最高人民法院关于适用《中华人民共和国保险法》若干问题的解释(四)

【CLI Code】 CLI.3.318499(EN)  Statement

  • Announcement of the Supreme People's Court
  • 最高人民法院公告

  • The Interpretation (IV) of the Supreme People's Court on Several Issues concerning the Application of the Insurance Law of the People's Republic of China, as adopted at the 1738th session of the Judicial Committee of the Supreme People's Court on May 14, 2018, is hereby issued, and shall come into force on September 1, 2018.
  • 《最高人民法院关于适用〈中华人民共和国保险法〉若干问题的解释(四)》已于2018年5月14日由最高人民法院审判委员会第1738次会议通过,现予公布,自2018年9月1日起施行。
  • Supreme People's Court
  • 最高人民法院
  • July 31, 2018
  • 2018年7月31日
  • (Adopted at the 1738th session of the Judicial Committee of the Supreme People's Court on May 14, 2018, and coming into force on September 1, 2018, Interpretation No. 13 [2018] of the Supreme People's Court)
  • (2018年5月14日最高人民法院审判委员会第1738次会议通过,自2018年9月1日起施行 法释〔2018〕13号)
  • Article 1 Where the subject matter insured has been delivered to the assignee and the assignee that assumes the risk of destruction or loss of the subject matter insured claims the exercise of rights of the insured in accordance with the provisions of Articles 48 and 49 of the Insurance Law, although the assignee has not undergone ownership modification registration in accordance with the law, the people's court shall support such a claim.
  •   第一条 保险标的已交付受让人,但尚未依法办理所有权变更登记,承担保险标的毁损灭失风险的受让人,依照保险法四十八条、第四十九条的规定主张行使被保险人权利的,人民法院应予支持。
  • Article 2 Where the insurer has performed the obligation of making a warning and explicit explanation to the insurance applicant as prescribed by the Insurance Law, and the assignee of the subject matter insured claims that the clauses exempting the insurer from liability shall not be effective on the ground that the insurer fails to make a warning or explicit explanation to it after the assignment of the subject matter insured, the people's court shall not support a claim.
  •   第二条 保险人已向投保人履行了保险法规定的提示和明确说明义务,保险标的受让人以保险标的转让后保险人未向其提示或者明确说明为由,主张免除保险人责任的条款不生效的,人民法院不予支持。
  • Article 3 Where the insured dies and a party succeeding to the subject matter insured claims the succession to the rights and obligations of the insured, the people's court shall support such a claim.
  •   第三条 被保险人死亡,继承保险标的的当事人主张承继被保险人的权利和义务的,人民法院应予支持。
  • Article 4 When the people's court determines whether the subject matter insured constitutes a “great increase of the degree of peril” as prescribed in Articles 49 and 52 of the Insurance Law, the people's court shall comprehensively consider the following factors:
  •   第四条 人民法院认定保险标的是否构成保险法四十九条、第
  • (1) Change of the use of the subject matter insured.
  • (2) Change of the scope of use of the subject matter insured.
  • (3) Change of the environment of the subject matter insured.
  • (4) Change of the subject matter insured due to refitting or any other reason.
  • (5) Change of the user or manager of the subject matter insured.
  • (6) The continuance of increase of degree of peril.
  • (7) Other factors that may lead to the great increase of degree of peril.
  • Where the degree of peril of the subject matter insured increases, but the increased danger falls within the insurance coverage of the insurance contract foreseen or should be foreseen by the insurer when the insurance contract is conclu
  • ......
  • ......
  • Tel: +86 (10) 8268-9699 or +86 (10) 8266-8266 (ext. 153)
  • Mobile: +86 133-1157-0712
  • Fax: +86 (10) 8266-8268
  • database@chinalawinfo.com
© Pkulaw (www.pkulaw.com) provides various professional solutions in such fields as legal information, law knowledge and legal software. Pkulaw provides you with abundant reference materials. When you invoke articles of laws and regulations, please check them with the standard texts.
You are welcome to view all our products and services.Pkulaw Express:How to quickly find information you need? What are the new features of Pkulaw V6?
智能检索