第18条．被保险人的告知。
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 .
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.
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