| 1. | You should make choice of the insurance companies , the insured amount and the insurance period by yourself
您自己选择哪家保险公司的产品，保险金额、保险期限。 |
| 2. | The time that insurance accident produces is not between insurance period inside , criterion the underwriter does not assume insurance responsibility
保险事故发生的时间不在保险期间内，则保险人不承担保险责任。 |
| 3. | Between insurance period once decide , the underwriter is in charge of compensation be between insurance period only inside the insurance accident that produce causes insurance symptom damage thereby the loss that insurant causes
保险期间一旦确定，保险人只负责赔偿在保险期间内发生的保险事故造成保险标的的损害从而被保险人造成的损失。 |
| 4. | Healthy insurance is between insurance period with insurant internal cause disease cannot pursue regular job , or the insurance that pays insurance gold because of the disease causes deformity or be being given by the underwriter when death
健康保险是以被保险人在保险期间内因疾病不能从事正常工作，或因疾病造成残疾或死亡时由保险人给付保险金的保险。 |
| 5. | After attending healthy insurance , insurant produces disease , childbirth inside insurance period of efficacy or deadly because of disease , childbirth , when causing damage , the underwriter assumes the responsibility that pays insurance gold
参加健康保险以后，被保险人在保险有效期内发生疾病、分娩或因疾病、分娩而致死、致残时，保险人承担给付保险金的责任。 |
| 6. | The insurance time limit that contract of company worth insurance agrees is 1 year commonly , also can cast guarantee short - term a place difficult of access , after insurance period is full , can renew protect , but add is protected must do procedure additionally
企业财产保险合同约定的保险期限一般为1年，也可以投保短期险，保险期满后，可以再续保，但续保须另办手续。 |
| 7. | The insurance period shall be in accordance with the time limit of the project . it can include installation period and 12 - month maintenance period since project completion . furthermore , ear insurance can be extended to cover testing commissioning period
根据工期确定，建筑工程保险一般包括建造期保证期安装工程保险还可承保试车期风险。另外，还可以扩展承保竣工以后一年内的保证期责任。 |
| 8. | That is to say , if insurance accident produced between insurance period , caused pair of insurance symptom damage , caused a loss to insurant , but if losing number is not large , did not exceed franchise , insurance company does not grant to compensate for
也就是说，假如在保险期间发生了保险事故，造成了对保险标的的损害，给被保险人造成了损失，但假如损失的数额不大，没有超过免赔额，保险公司就不予赔偿。 |
| 9. | Original life - insurance it is to ensure the economic burden that creates possibly as a result of uncertain dead place , later , life - insurance in the composition that introduced deposit , the person that still lives to be when insurance period is full so , insurance company also can give the insurance gold that pays an agreement
最初的人寿保险是为了保障由于不可猜测的死亡所可能造成的经济负担，后来，人寿保险中引进了储蓄的成分，所以对在保险期满时仍然生存的人，保险公司也会给付约定的保险金。 |
| 10. | But the risk of host goverment breach of contract should be excluded . the fif t section explains in brief the insurance procedures , insurance rate , insurance period and adjustment , etc . the sixth section provides some legal thinking on perfecting china " s overseas investment insurance scheme , at the domestic law level , chi - na needs to formulate its overseas investment insurance act and should establish bilateral overseas investment insurance scheme
第六部分为完善我国海外投资保险制度体系的法律思考，指出为完善我国的海外投资保险制度体系，在国内法层面上建立海外投资保险法，我国宜建立双边的海外投资保险制度;在国际层面上应充分利用双边投资条约和《汉城公约》及《华盛顿公约》对海外投资所提供了法律保障。 |
