Article 27 The insurer may terminate the insurance contract and refuse to return the premiums paid if the insured or the beneficiary falsely claims that an insured event has occurred, and submits a claim for indemnity or payment of the insurance benefits, although such insured event has not occurred.

　　 投保人、被保险人或者受益人故意制造保险事故的，保险人有权解除保险合同，不承担赔偿或者给付保险金的责任，除本法第六十四条第一款另有规定外，也不退还保险费。

If the applicant, the insured or the beneficiary intentionally causes the occurrence of an insured event, except as under the first paragraph of Article 64 of this Law, the insurer may terminate the insurance contract, bear no obligation for indemnity or payment of the insurance benefits and decline to return the premiums paid.

　　 保险事故发生后，投保人、被保险人或者受益人以伪造、变造的有关证明、资料或者其他证据，编造虚假的事故原因或者夸大损失程度的，保险人对其虚报的部分不承担赔偿或者给付保险金的责任。

If the applicant, the insured or the beneficiary, following the occurrence of an insured event, provides forged and altered relevant evidence, information or other proofs, falsifies the cause of the occurrence of the insured event or overstates the extent of the loss, then the insurer shall bear no obligation for indemnity or payment of the insurance benefits for the portion which is falsified or overstated.

　　 投保人、被保险人或者受益人有前三款所列行为之一，致使保险人支付保险金或者支出费用的，应当退回或者赔偿。

The applicant, the insured or the beneficiary shall refund or indemnify the insurer for any payments or expenses which were made or incurred by the insurer due to the commission of any act stipulated in the foregoing three paragraphs of this Article by the applicant, the insured or the beneficiary.

　　 第二十八条　保险人将其承担的保险业务，以承保形式，部分转移给其他保险人的，为再保险。

Article 28 When an insurer transfers part of its accepted business to another insurer by way of cession, it is referred to as reinsurance.

　　 应再保险接受人的要求，再保险分出人应当将其自负责任及原保险的有关情况告知再保险接受人。

When requested by the reinsurer, the ceding insurance company shall inform the reinsurer of the ceding insurance company's retained liability and all relevant information with respect to the direct insurance.

　　 第二十九条　再保险接受人不得向原保险的投保人要求支付保险费。

Article 29 The reinsurer shall not demand payment of premiums from the applicant of the direct insurance.

　　 原保险的被保险人或者受益人，不得向再保险接受人提出赔偿或者给付保险金的请求。

The insured or the beneficiary of the direct insurance shall not claim for the indemnity or payment of the insurance benefits from the reinsurer.

　　 再保险分出人不得以再保险接受人未履行再保险责任为由，拒绝履行或者迟延履行其原保险责任。

The ceding insurance company shall not decline or delay fulfilling its obligation of the direct insurance on the basis that the reinsurer fails to fulfill the reinsurance obligation.

　　 第三十条　对于保险合同的条款，保险人与投保人、被保险人或者受益人有争议时，人民法院或者仲裁机关应当作有利于被保险人和受益人的解释。

Article 30 If there is any dispute over the interpretation of clauses in an insurance contract between the insurer and the applicant, the insured or the beneficiary, then the People's Courts or arbitration organizations shall interpret such disputed clauses in favor of the insured and the beneficiary.

　　 第三十一条　保险人或者再保险接受人对在办理保险业务中知道的投保人、被保险人或者再保险分出人的业务和财产情况，负有保密的义务。

Article 31 The insurer or the reinsurer shall be obligated to maintain confidentiality of information obtained in the course of conducting insurance business regarding the business and financial position of the applicant, the insured or the ceding insurance company.

第二节 财产保险合同

Section 2 Contract of Property Insurance

　　 第三十二条　财产保险合同是以财产及其有关利益为保险标的的保险合同。

Article 32 A property insurance contract refers to a contract the subject matter of the insurance of which is a property and related interests associated therewith.

　　 本节中的财产保险合同，除特别指明的外，简称合同。

The property insurance contract mentioned in this Section is briefly referred to as "the contract", unless specified otherwise.

　　 第三十三条　保险标的的转让应当通知保险人，经保险人同意继续承保后，依法变更合同。但是，货物运输保险合同和另有约定的合同除外。

Article 33 With the exception of cargo insurance contracts and those contracts specified otherwise, the insurer must be notified of the assignment of the subject matter of the insurance. With the consent of the insurer to continue underwriting the assignment of the subject matter of the insurance, the contract may be modified in accordance with laws.

　　 第三十四条　货物运输保险合同和运输工具航程保险合同，保险责任开始后，合同当事人不得解除合同。

Article 34 A cargo insurance contract or an insurance contract for voyage conveyance shall not be terminated by any party thereto subsequent to the commencement of the insurance liability.

　　 第三十五条　被保险人应当遵守国家有关消防、安全、生产操作、劳动保护等方面的规定，维护保险标的的安全。

Article 35 The insured shall observe all the regulations prescribed by the State with respect to fire prevention, safety, production, operations and labor protection, and any other regulations associated therewith, to maintain the safety of the subject matter of the insurance.

　　 根据合同的约定，保险人可以对保险标的的安全状况进行检查，及时向投保人、被保险人提出消除不安全因素和隐患的书面建议。

In accordance with the terms of the contract, the insurer may inspect the subject matter of the insurance concerning its safety conditions and, within a reasonable time, propose reasonable written suggestions to the applicant or the insured to eliminate risks and latent problems undermining the safety of the subject matter of the insurance.

　　 投保人、被保险人未按照约定履行其对保险标的安全应尽的责任的，保险人有权要求增加保险费或者解除合同。

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