台湾保险法中英文对照版.docx

台湾保险法中英文对照版台湾保险法(2010年修订版)INSURANCEACT(2010.02.01Amended)目次Contents第一章总则ChapterI.GeneralPrinciples第二章保险契约ChapterII.InsuranceContracts第三章财产保险ChapterIII.Non-IifeInsurance第四章人身保险ChapterIV.InsuranceofthePerson第五章保险业ChapterV.InsuranceEnterprises第六章附则ChapterVI.SupplementaryProvisions部分章节示例如下：第四节保险人之责任Section4.ObligationsoftheInsurer第29条保险人对于由不可预料或不可抗力之事故所致之损害，负赔偿责任。但保险契约内有明文限制者，不在此限。保险人对于由要保人或被保险人之过失所致之损害，负赔偿责任。但出于要保人或被保险人之故意者，不在此限。Article29Aninsurerisliabletoindemnifyfordamagecausedbyunforeseeableeventsorforcemajeure.However,thisrequirementisnotapplicablewhenlimitationsareexpresslystatedintheinsurancecontractAninsurerisliabletoindemnifyfordamagecausedbythefaultoftheproposerorinsured.However,thisruleisnotapplicabletolosscausedbyawillfulactoftheproposerorinsured.第30条保险人对于因履行道德上之义务所致之损害，应负赔偿责任。Article30Aninsurershallbeliabletoindemnifyfordamagecausedbythefulfillmentofamoralobligation.第31条保险人对于因要保人，或被保险人之受雇人，或其所有之物或动物所致之损害，应负赔偿责任。Article31Aninsurershallbeliabletoindemnifyfordamagecausedbyemployees,objects,oranimalsoftheproposerortheinsured.第32条保险人对于因战争所致之损害，除契约有相反之订定外，应负赔偿责任。Article32Theinsurershallbeliabletoindemnifyfordamagecausedbywarunlesstheinsurancecontractstipulatesotherwise.第五节复保险Section5.DoubleInsurance第35条复保险，谓要保人对于同T呆险利益，同一保险事故，与数保险人分别订立数个保险之契约行为。Article35Theterm"doubleinsurance"meansanactofcontractingwherebyaproposerseparatelyentersintomultipleinsurancecontractswithmultipleinsurerscoveringthesameinsurableinterestandthesameinsuredevent.第36条复保险，除另有约定外，要保人应将他保险人之名称及保险金额通知各保险人。第37条要保人故意不为前条之通知，或意图不当得利而为复保险者,其契约无效。Article36Indoubleinsurance,aproposershall,unlessotherwisestipulated,notifyeachinsurerofthenamesoftheotherinsurersandtheamountsinsuredthereby.Article37IfaproposerwillfullyfailstomakethenotificationreferredtointheprecedingArticle,orobtainsdoubleinsurancewiththeintenttoacquireundueprofit,thecontractshallbevoid.第二章保险契约ChapterII.InsuranceContracts第一节通则Section1.GeneralProvisions第43条保险契约，应以保险单或暂保单为之。第44条保险契约，由保险人于同意要保人声请后签订。利害关系人,均得向保险人请求保险契约之誉本。Article43Aninsurancecontractshallbemadeintheformofapolicyorabinder.Article44Aninsurancecontractistobesignedandexecutedbytheinsurerafteritagreestoanapplicationsubmittedbytheproposer.Anyinterestedpartymayrequestacopyoftheinsurancecontractfromtheinsurer.第45条要保人得不经委任，为他人之利益订立保险契约。受益人有疑义时，推定要保人为自己之利益而订立。Article45Aproposermay,withouthavingbeenmandated,enterintoaninsurancecontractforthebenefitofanotherperson.Shouldtherebeanydoubtastothebeneficiary,itwillbepresumedthattheproposerenteredintothecontractforitsownbenefit第46条保险契约由代理人订立者，应载明代订之意旨。Article46Ifaninsurancecontractisenteredintobyanagentonbehalfofanother,astatementtosucheffectshallbemadeintheinsurancecontract第47条保险契约由合伙人或共有人中之一人或数人订立，而其利益及于全体合伙人或共有人者，应载明为全体合伙人或共有人订立之意旨。Article47Ifaninsurancecontractisenteredintobyoneorseveralpartnersorco-ownersforthebenefitofallthepartnersorco-owners,astatementtosucheffectshallbemadeintheinsurancecontract.第三章财产保险ChapterIII.Non-IifeInsurance第一节火灾保险Section1.FireInsurance第70条火灾保险人，对于由火灾所致保险标的物之毁损或灭失，除契约另有订定外，负赔偿之责。因救护保险标的物，致保险标的物发生损失者，视同所保危险所生之损失。Article70Afireinsurerisliable,unlessotherwisestipulatedinthecontract,toindemnifyfordamageorlossofthesubjectmatterinsuredasaresultoffire.Losstothesubjectmatterinsuredthatoccursinthecourseofattemptingtosaveorprotectitisdeemedtohavearisenoutoftheinsuredrisk.第71条就集合之物而总括为保险者，被保险人家属、受雇人或同居人之物，亦得为保险标的，载明于保险契约，在危险发生时，就其损失享受赔偿。前项保险契约，视同并为第三人利益而订立。Article71Wheninsuranceiseffectedtocoveragroupofthingscollectively,thebelongingsoffamilymembers,employees,orcohabitantsoftheinsuredmayalsobespecifiedintheinsurancecontractaspartofthesubjectmatterinsured,andindemnificationforlosstosuchitemsshallbemadeuponoccurrenceoftheinsuredrisk.Aninsurancecontractreferredtointheprecedingparagraphshallbedeemedashavingalsobeenenteredintoforthebenefitofthethirdparties.第72条保险金额为保险人在保险期内，所负责任之最高额度。保险人应于承保前，查明保险标的物之市价，不得超额承保。Article72Theinsuredamountisthemaximumliabilitytobebornebytheinsurerduringthetermofinsurance.Beforeunderwritinganinsurancepolicy,theinsurershallappraisethemarketvalueofthesubjectmattertobeinsured,andmaynotover-insurethesubjectmatter.第二节海上保险Section2.MarineInsurance第83条海上保险人对于保险标的物，除契约另有规定外，因海上一切事变及灾害所生之毁损、灭失及费用，负赔偿之责。Article83Unlessotherwisestipulatedinthecontract,amarineinsurerisliable,withrespecttothesubjectmatterinsured,toindemnifyfordamage,loss,andexpensesarisingoutofallaccidentsandcalamitiesatsea.第84条关于海上保险，适用海商法海上保险章之规定。Article84MarineinsuranceisgovernedbytheprovisionsoftheMarineInsuranceChapteroftheMaritimeAct.第三节陆空保险Section3.LandandAirInsurance第85条陆上、内河及航空保险人，对于保险标的物，除契约另有订定外，因陆上、内河及航空一切事变及灾害所致之毁损、灭失及费用，负赔偿之责。Article85Unlessotherwisestipulatedinthecontract,land,inlandwaterway,andaviationinsurersareliable,withrespecttothesubjectmatterinsured,toindemnifyfordamage,loss,andexpensesarisingoutofallaccidentsandcalamitiesonland,inlandwaterways,orintheair.第86条关于货物之保险，除契约另有订定外，自交运之时以迄于其目的地收货之时为其期间。Article86Withregardtoca