Contract of Insurance of Persons 人身保险合同 Article 51 A contract of insurance of persons is an insurance contract insuring a person's life and body.
第五十一条 人身保险合同是以人的寿命和身体为保险标的的保险合同。
The contract of insurance of persons mentioned in this Section is briefly referred to as "the contract," unless specified otherwise.
本节中的人身保险合同，除特别指明的外，简称合同。
Article 52 The applicant has insurable interests over the following persons:
第五十二条 投保人对下列人员具有保险利益：
The applicant himself/herself;
（一）本人；
The applicant's spouse, children and parents; or
（二）配偶、子女、父母；
Other family members or close relatives, apart from the aforementioned, who have relations of fostering, supporting and maintaining with the applicant.
（三）前项以外与投保人有抚养、赡养或者扶养关系的家庭其他成员、近亲属。
Notwithstanding the foregoing, with the consent of the insured to enter into a contract for the insured, the applicant shall be regarded as having an insurable interest on the insured.
除前款规定外，被保险人同意投保人为其订立合同的，视为投保人对被保险人具有保险利益。
Article 53 If the age of the insured is not correctly given by the applicant, and the actual age of the insured does not fall within the age range specified by the contract, the insurer may terminate the contract and return the premiums to the applicant after deducting expenses therefrom. However, this does not apply to contracts which have been in force for two (2) years or more.
第五十三条 投保人申报的被保险人年龄不真实，并且其真实年龄不符合合同约定的年龄限制的，保险人可以解除合同，并在扣除手续费后，向投保人退还保险费，但是自合同成立之日起逾二年的除外。
In the event that the applicant has misstated the age of the insured, thus underpaying the premiums, then the insurer shall have the right to correct the misstatement and request the applicant to pay the balance, or to reduce the payment of the insurance benefits in proportion to the amount of premiums actually paid to the amount that should have been paid.
投保人申报的被保险人年龄不真实，致使投保人支付的保险费少于应付保险费的，保险人有权更正并要求投保人补交保险费，或者在给付保险金时按照实付保险费与应付保险费的比例支付。
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.
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。
Article 54 An applicant shall not apply for and the insurer shall not underwrite an insurance of persons that stipulates death as a prerequisite for the payment of the insurance benefits on a person without civil legal capacity.
第五十四条 投保人不得为无民事行为能力人投保以死亡为给付保险金条件的人身保险，保险人也不得承保。
The restriction stipulated in the preceding paragraph shall not apply to the case where parents apply for insurance of persons on minor children. However, the total amount of the death benefits shall not exceed the limit as stipulated by the financial supervision and regulation department.
父母为其未成年子女投保的人身保险，不受前款规定限制，但是死亡给付保险金额总和不得超过金融监督管理部门规定的限额。
Article 55 A contract stipulating death as the prerequisite for the payment of the insurance benefits is not valid unless its amount is consented to in writing by the insured.
第五十五条 以死亡为给付保险金条件的合同，未经被保险人书面同意并认可保险金额的，合同无效。
An insurance policy stipulating death as the prerequisite for the payment of the insurance benefits shall not be transferred or mortgaged without the written consent of the insured.
依照以死亡为给付保险金条件的合同所签发的保险单，未经被保险人书面同意，不得转让或者质押。
If parents apply for an insurance of persons on their minor children, the restriction stipulated in paragraph one of this Article shall not apply.
父母为其未成年子女投保的人身保险，不受第一款规定限制。
Article 56 After the establishment of the contract, the applicant may pay the premium by a single premium or by installments in accordance with the terms of the contract.
第五十六条 投保人于合同成立后，可以向保险人一次支付全部保险费，也可以按照合同约定分期支付保险费。
If the contract stipulates that the premium is to be paid by installments, the applicant shall pay the first installment at the inception of the contract and the other installments as scheduled.
合同约定分期支付保险费的，投保人应当于合同成立时支付首期保险费，并应当按期支付其余各期的保险费。
Article 57 If the contract specifies payment of the premiums by installments and the applicant has paid the first installment but fails to pay any subsequent installments within a sixty (60) days grace period, the contract shall lapse, or the insurer shall reduce the insured amount in accordance with the contract, unless specified otherwise in the contract.
第五十七条 合同约定分期支付保险费，投保人支付首期保险费后，除合同另有约定外，投保人超过规定的期限六十日未支付当期保险费的，合同效力中止，或者由保险人按照合同约定的条件减少保险金额。
Article 58 A contract which lapses in accordance with the preceding Article can be reinstated provided that the insurer and the applicant have reached an agreement and that the applicant has paid the outstanding premiums. However, the insurer has the right to terminate the contract if no agreement has been reached by both parties within two (2) years from the date of the lapse of the contract.
第五十八条 依照前条规定合同效力中止的，经保险人与投保人协商并达成协议，在投保人补交保险费后，合同效力恢复。但是，自合同效力中止之日起二年内双方未达成协议的，保险人有权解除合同。
When an insurer terminates the contract in accordance with the preceding paragraph, and the applicant has paid the premiums for two years or more, the insurer shall return the cash value of the policy to the applicant in accordance with the contract. In the event that the applicant has paid the premiums for less than two years , the insurer shall return the premiums to the applicant with the expenses deducted therefrom.
保险人依照前款规定解除合同，投保人已交足二年以上保险费的，保险人应当按照合同约定退还保险单的现金价值；投保人未交足二年保险费的，保险人应当在扣除手续费后，退还保险费。
Article 59 The insurer shall not resort to legal proceeding to demand the payment of the insurance premiums of insurance of persons from the applicant.
第五十九条 保险人对人身保险的保险费，不得用诉讼方式要求投保人支付。
Article 60 The beneficiary of the insurance of persons shall be designated by the insured or the applicant.
第六十条 人身保险的受益人由被保险人或者投保人指定。
The designation of the beneficiary by the applicant is subject to the approval of the insured.
投保人指定受益人时须经被保险人同意。
If the insured is a person without civil legal capacity or a person with limited civil legal capacity, the beneficiary may be designated by the guardian of the insured.
被保险人为无民事行为能力人或者限制民事行为能力人的，可以由其监护人指定受益人。
Article 61 The insured or the applicant may designate one or more persons as the beneficiaries.
第六十一条 被保险人或者投保人可以指定一人或者数人为受益人。
In the event that there is more than one beneficiary, the insured or the applicant may specify the order of distribution of the payment of the insurance benefits and their respective proportions; in the absence of such specifications on proportions, all the beneficiaries shall share the benefits on an equal basis.
受益人为数人的，被保险人或者投保人可以确定受益顺序和受益份额；未确定受益份额的，受益人按照相等份额享有受益权。
Article 62 The insured or the applicant may change the beneficiary by a written notice to the insurer. The insurer shall endorse the change on the policy upon receipt of the notice.
第六十二条 被保险人或者投保人可以变更受益人并书面通知保险人。保险人收到变更受益人的书面通知后，应当在保险单上批注。
The applicant may change the beneficiary subject to the consent of the insured.
投保人变更受益人时须经被保险人同意。
Article 63 In the event of the death of the insured, the payment of the insurance benefits shall be treated as part of the estate of the insured, and the insurer shall pay the insurance benefits to the legal heirs of the insured, if :
第六十三条 被保险人死亡后，遇有下列情形之一的，保险金作为被保险人的遗产，由保险人向被保险人的继承人履行给付保险金的义务：
there is no designated beneficiary ;
（一）没有指定受益人的；
the beneficiary dies before the insured without other beneficiary being designated ; or
（二）受益人先于被保险人死亡，没有其他受益人的；
the beneficiary forfeits or surrenders his/her right as such in accordance with laws without other beneficiary being designated.
（三）受益人依法丧失受益权或者放弃受益权，没有其他受益人的。
Article 64 In the event that the applicant or the beneficiary have intentionally caused the death, disability or illness of the insured, the insurer shall bear no obligation for payment of the insurance benefits. In the event that the applicant has paid premiums for two (2) years or more, the insurer shall, in accordance with the contract, return the cash value of the policy to other beneficiaries, if any.
第六十四条 投保人、受益人故意造成被保险人死亡、伤残或者疾病的，保险人不承担给付保险金的责任。投保人已交足二年以上保险费的，保险人应当按照合同约定向其他享有权利的受益人退还保险单的现金价值。
If the beneficiary has intentionally caused the death or disability of the insured, or attempted to cause the death of the insured or the beneficiary shall lose his/her right to claim the insurance benefits.
受益人故意造成被保险人死亡或者伤残的，或者故意杀害被保险人未遂的，丧失受益权。
Article 65 When a contract stipulates death as the prerequisite for the payment of the insurance benefits then the insurer shall have no obligation for the payment of the insurance benefits if the insured commits suicide, except for the event stipulated in paragraph two of this Article. However, the insurer shall, in respect of the insurance premium already paid by the applicant, return the cash value of the policy in accordance with the terms of the contract.
第六十五条 以死亡为给付保险金条件的合同，被保险人自杀的，除本条第二款规定外，保险人不承担给付保险金的责任，但对投保人已支付的保险费，保险人应按照保险单退还其现金价值。
When a contract stipulates death as a prerequisite for the payment of the insurance benefits, the insurer may effect the payment of the insurance benefits in accordance with the contract if the insured commits suicide two (2) years or more after the formation of the contract.
以死亡为给付保险金条件的合同，自成立之日起满二年后，如果被保险人自杀的，保险人可以按照合同给付保险金。
Article 66 In the event that the insured has died or was disabled as a result of intentionally committing a crime, the insurer shall have no obligation to effect the payment of the insurance benefits. If, however, the applicant has paid premiums for two (2) years or more, the insurer shall return the cash value of the policy to the insured in accordance with the contract.
第六十六条 被保险人故意犯罪导致其自身伤残或者死亡的，保险人不承担给付保险金的责任。投保人已交足二年以上保险费的，保险人应当按照保险单退还其现金价值。
Article 67 If the insured suffers from death, disability, or illness as a result of a third party's conduct, the insurer shall have no right of subrogation against the third party after the payment of the insurance benefits.
第六十七条 人身保险的被保险人因第三者的行为而发生死亡、伤残或者疾病等保险事故的，保险人向被保险人或者受益人给付保险金后，不得享有向第三者追偿的权利。
Article 68 If an applicant who has already paid in full the insurance premiums for two (2) years or more, terminates the contract, then the insurer shall return the cash value of the policy within thirty (30) days after the receipt of the notice of termination in accordance with the contract. If the applicant has paid the insurance premiums for less then two (2) years, then the insurer shall return the remaining premiums after deducting expenses in accordance with the contract.
第六十八条 投保人解除合同，已交足二年以上保险费的，保险人应当自接到解除合同通知之日起三十日内，退还保险单的现金价值；未交足二年保险费的，保险人按照合同约定在扣除手续费后，退还保险费。
