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。Article86Withregardtocargoinsurance,unlessotherwisestipulatedinthecontract,thetermofinsurancebeginsfromthetimeofdeliveryfortransportandcontinuestothetimethecargoisreceivedattheplaceofdestination.第二节保险公司Section2.InsuranceCompanies第151条保险公司除本法另有规定外，适用公司法关于股份有限公司之规定。Article151ExceptasotherwiseprovidedforinthisAct,theprovisionsoftheCompanyActrelatingtocompanieslimitedbysharesareapplicabletoinsurancecompanies.第152条保险公司之股票，不得为无记名式。Article152Thesharesofaninsurancecompanymaynotbeinbearerform.第137-1条保险业负责人应具备之资格，由主管机关定之。Article137-1Thenecessaryqualificationsoftheresponsiblepersonsofaninsuranceenterpriseshallbeprescribedbythecompetentauthority.第138条财产保险业经营财产保险，人身保险业经营人身保险，同一保险业不得兼营财产保险及人身保险业务。但财产保险业经主管机关核准经营伤害保睑及健康保险者，不在此限。财产保险业依前项但书规定经营伤害保险及健康保险业务应具备之条件、业务范围、申请核准应检附之文件及其它应遵行事项之办法，由主管机关定之。Article138Aninsuranceenterpriseinthe"non-lifeinsurance"categoryshallengageinthebusinessofnon-lifeinsuranceonly,aninsuranceenterpriseinthe"insuranceoftheperson"categoryshallengageinthebusinessofinsuranceofthepersononly,andthesameinsuranceenterprisemaynotengageconcurrentlyinnon-lifeinsuranceandinsuranceoftheperson,providedthatthisrestrictiondoesnotapplywhereanon-lifeinsuranceenterpriseisapprovedbythecompetentauthoritytoengageinpersonalinjuryinsuranceorhealthinsurance.Theeligibilityconditions,businessscope,documentationrequiredinordertoapplyforapprovalandothercompliancematters,withrespecttotheconductofpersonalinjuryinsuranceorhealthinsurancebusinessbynon-lifeinsuranceenterprisesinaccordancewiththeprovisooftheprecedingparagraph,shallbeprescribedbythecompetentauthority.保险业不得兼营本法规定以外之业务。但经主管机关核准办理其它与保险有关业务者，不在此限。保险业办理前项与保险有关业务，涉及外汇业务之经营者，须经中央银行之许可。保险合作社不得经营非社员之业务。AninsuranceenterprisemaynotengageconcurrentlyinanybusinessotherthanthatprescribedbythisAct.However,thisrestrictiondoesnotapplywherethecompetentauthorityhasgivenitsapprovalforaninsuranceenterprisetoengageinotherbusinessesrelatedtoinsurance.Whereaninsuranceenterpriseconductsanotherbusinessrelatedtoinsuranceasprovidedforintheprecedingparagraph,thepermissionoftheCentralBankshallfirstbeobtainedifthebusinessinvolvesforeignexchangebusiness.Aninsurancecooperativemaynotengageinanyinsurancebusinesswithanypersonwhoisnotamemberofthecooperative.