overinsurance meaning in Chinese

超额保险
超值保险

The concept of ratio of real estate insurance value is proper measurment of overinsurance
不动产保险价值比率这一概念，就是评价超额保险程度的指标。
The overinsurance in mortgage insurance is also a subject worthy of argument in real estate insurance
抵押贷款保险中的超额保险现象，也是不动产保险值得探讨的一个问题。
In insurance business practice , the building insurance clause in mortgage insurance usually applies the real estate value to amount insured , wheras raplacement approach is applied to the indemnity , which causes overinsurance ? the amount insured is greater than insurance value . the excess amount is perfectly equal to the land value or a portion of land value , which prejudices the interest of the insured
在保险实践中，住房抵押贷款保险的房屋保险条款通常以不动产价值作为保险金额，而在保险补偿时适用重置价值标准，导致保险金额总是大于保险价值的超额保险情况，超出的金额就是土地的价值或者土地价值的一个比例，这对被保险人是不利的。