投保人、受益人故意造成被保险人死亡、伤残或者疾病，骗取保险金的。
An applicant or a beneficiary defrauds insurance money by deliberately causing the death, disability or illness of the insured.
但是既然抵押权人是有保险利益的，他作为投保人的同时也是被保险人。
But since mortgages people have insurance benefits, he will be policyholder when he is insured people at the same time.
告知义务人不仅包括投保人，还应包括投保人的代理人和被保险人。
The obligor includes not only insurance applicant , but also its agent and the insured .
一个完整的保险市场体系应由保险人、投保人或被保险人、保险中介三个方面构成。
A complete insurance market should be composed of three parts: the insure, the insured or the insurant, and the intermediary.
保险诈骗罪是指：投保人、受益人、被保险人以虚构的保险事实或者隐瞒事实真相的方法，进行保险诈骗活动，骗取保险金数额较大的行为。
The insurance swindle is a kind of offence that the insurance holder, the beneficiary and the insured make up the insurance facts or withhold the truth to defraud a large sum of money.
从保险目的的角度考虑，提出可保利益应同样适用于受益人，并经投保人或被保险人指定而产生。
From the insurance purpose, the author puts forward that insurable interest also applies to the insurance beneficiary who is designated by the applicant for insurance or the insured.
投保人、受益人故意造成被保险人死亡、伤残或者疾病，骗取保险金的。
Policy holder or the beneficiary intentionally causes the death, injury, or sickness of the insured to deceive insurance money.
投保人申报的被保险人年龄不真实，致使投保人实付保险费多于应付保险费的，保险人应当将多收的保险费退还投保人。
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.
保险人基于投保人或被保险人告知的有关情况决定是否承保及费率如何。
Underwriters decide whether accept insurance and how about insurance premium, basing on what policy-holder or insurants inform.
前款所称投保人、被保险人应是自然人，不得为法人。
The insurance applicants and insurants mentioned in the preceding paragraph shall be natural persons instead of legal persons.
企业财产保险分为基本险和综合险两种，投保人可根据被保险人的具体风险情况进行选择。
Cent of company worth insurance is with average and all-risks insurance two kinds, policy-holder can undertake choosing according to the particular risk circumstance of insurant.
第二十二条投保人、被保险人或者受益人知道保险事故发生后，应当及时通知保险人。
Article 22 the applicant, the insured or the beneficiary shall, in good time, notify the insurer the occurrence of an insured event soon after they knew it.
第二十一条投保人、被保险人或者受益人知道保险事故发生后，应当及时通知保险人。
Article 21 On learning about the happening of an insurance accident, the applicant for insurance, the insured or the beneficiary shall notify the insurer of the accident in time.
第六十二条被保险人或者投保人可以指定一人或者数人为受益人。
The beneficiary of a life insurance shall be appointed by the insured or the applicant.
在投保人与被保险人一致的情况下，则没有以上两方面的区分。
There is no the division of above both side then under the sistuation that the assured is in accordance with the assured.
本投保申请书由投保人代所有被保险人完成。
Please note that this proposal form is being completed on behalf of all insureds.
因而，投保人(或被保险人)的道德风险对于保险商品的价格形成影响很大。
Therefore the formation of insurance commodity price is greatly affected by the moral risk of the insured.
第二十一条投保人、被保险人或者受益人知道保险事故发生后，应当及时通知保险人。
Article 21 the applicant, the insured or the beneficiary shall notify the insurer in a timely manner of the occurrence of any insured event once it is known to them.
第二十一条投保人、被保险人或者受益人知道保险事故发生后，应当及时通知保险人。
Article 21 the applicant, the insured or the beneficiary shall notify the insurer in a timely manner of the occurrence of any insured event once it is known to them.
应用推荐