Article 11 In signing an insurance contract, the insurant and the insurer shall observe the principle of fairness, mutual benefit, reaching agreements through consultation and free will without harming the public interest.

Insurance companies or other entities are not allowed to sign insurance contracts with others by coercion except otherwise provided by law or administrative decrees or regulations.

Article 12 An insurant shall own the insurable interest in the objects of insurance.

If an insurant has no insurable interest in the objects of insurance, the insurance contract shall be invalid.

Insurable interest refers to the interest of the insurant in the objects of insurance recognized by law.

Objects of insurance refer to property or related interest insured or life and health of a person insured.

Article 13 An insurance contract shall hold after the insurant applies for insurance and the insurer agrees to underwrite the insurance and the two sides have reached agreement on the clauses of the contract. The insurer shall issue insurance policies or other insurance certificates to the insurant in a timely manner and specify on the insurance policies or other insurance documents the contents of the contracts agreed by the two sides.

The insurant and the insurer, upon agreement, may also conclude insurance contracts in the form of written agreement other than those provided for in the preceding paragraph.

Article 14 After an insurance contract is concluded, the insurant shall pay premium as agreed upon in the contract and the insurer shall start to undertake insurance liabilities at the time agreed upon.

【知識小貼士】

保費(Premium)

保險人和被保險人之間達成的合同被稱為保險單或者保險憑證。為了獲得保險單，被保險人同意支付給保險人的金額叫做保險費。損失發(fā)生后保險人將支付給被保險人的最高金額是保險價值，它也是計算和支付保險費的基礎。

【參考譯文】

保險合同

第十一條  投保人和保險人訂立保險合同，應當遵循公平互利、協(xié)商一致、自愿訂立的原則，不得損害社會公共利益。

除法律、行政法規(guī)規(guī)定必須保險的以外，保險公司和其他單位不得強制他人訂立保險合同。

第十二條  投保人對保險標的應當具有保險利益。

投保人對保險標的不具有保險利益的，保險合同無效。

保險利益是指投保人對保險標的具有的法律上承認的利益。

保險標的是指作為保險對象的財產(chǎn)及其有關利益或者人的壽命和身體。

第十三條  投保人提出保險要求，經(jīng)保險人同意承保，并就合同的條款達成協(xié)議，保險合同成立。保險人應當及時向投保人簽發(fā)保險單或者其他保險憑證，并在保險單或者其他保險憑證中載明當事人雙方約定的合同內(nèi)容。

經(jīng)投保人和保險人協(xié)商同意，也可以采取前款規(guī)定以外的其他書面協(xié)議形式訂立保險合同。

第十四條  保險合同成立后，投保人按照約定交付保險費；保險人按照約定的時間開始承擔保險責任。

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