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| Announcement of the Supreme People's Court | | 最高人民法院公告 |
| The Interpretation (IV) of the Supreme People's Court on Several Issues concerning the Application of the Insurance Law of the People's Republic of China, as adopted at the 1738th session of the Judicial Committee of the Supreme People's Court on May 14, 2018, is hereby issued, and shall come into force on September 1, 2018. | | 《最高人民法院關于適用〈中華人民共和國保險法〉若幹問題的解釋（四）》已于2018年5月14日由最高人民法院審判委員會第1738次會議通過，現予公布，自2018年9月1日起施行。 |
| Supreme People's Court | | 最高人民法院 |
| July 31, 2018 | | 2018年7月31日 |
| Interpretation (IV) of the Supreme People's Court on Several Issues concerning the Application of the Insurance Law of the People's Republic of China | | 最高人民法院關于適用《中華人民共和國保險法》若幹問題的解釋（四） |
| (Adopted at the 1738th session of the Judicial Committee of the Supreme People's Court on May 14, 2018, and coming into force on September 1, 2018, Interpretation No. 13 [2018] of the Supreme People's Court) | | （2018年5月14日最高人民法院審判委員會第1738次會議通過，自2018年9月1日起施行 法釋〔2018〕13號） |
| For the purpose of correctly trying cases of disputes over insurance contracts and effectively protecting the lawful rights and interests of the parties, in accordance with the provisions of the Insurance Law of the People's Republic of China, the Contract Law of the People's Republic of China, the Civil Procedure Law of the People's Republic of China and other laws, and in consideration of trial practice, the interpretation on issues concerning the application of the Insurance Law relating to property insurance contracts is hereby made as follows: | | 為正確審理保險合同糾紛案件，切實維護當事人的合法權益，根據《中華人民共和國保險法》《中華人民共和國合同法》《中華人民共和國民事訴訟法》等法律規定，結合審判實踐，就保險法中財產保險合同部分有關法律適用問題解釋如下： |
| Article 1 Where the subject matter insured has been delivered to the assignee and the assignee that assumes the risk of destruction or loss of the subject matter insured claims the exercise of rights of the insured in accordance with the provisions of Articles 48 and 49 of the Insurance Law, although the assignee has not undergone ownership modification registration in accordance with the law, the people's court shall support such a claim. | | 第一條 保險標的已交付受讓人，但尚未依法辦理所有權變更登記，承擔保險標的毀損滅失風險的受讓人，依照保險法第四十八條、第四十九條的規定主張行使被保險人權利的，人民法院應予支持。 |
| Article 2 Where the insurer has performed the obligation of making a warning and explicit explanation to the insurance applicant as prescribed by the Insurance Law, and the assignee of the subject matter insured claims that the clauses exempting the insurer from liability shall not be effective on the ground that the insurer fails to make a warning or explicit explanation to it after the assignment of the subject matter insured, the people's court shall not support a claim. | | 第二條 保險人已向投保人履行了保險法規定的提示和明確說明義務，保險標的受讓人以保險標的轉讓後保險人未向其提示或者明確說明為由，主張免除保險人責任的條款不生效的，人民法院不予支持。 |
| Article 3 Where the insured dies and a party succeeding to the subject matter insured claims the succession to the rights and obligations of the insured, the people's court shall support such a claim. | | 第三條 被保險人死亡，繼承保險標的的當事人主張承繼被保險人的權利和義務的，人民法院應予支持。 |
| Article 4 When the people's court determines whether the subject matter insured constitutes a “great increase of the degree of peril” as prescribed in Articles 49 and 52 of the Insurance Law, the people's court shall comprehensively consider the following factors: | | 第四條 人民法院認定保險標的是否構成保險法第四十九條、第五十二條規定的“危險程度顯著增加”時，應當綜合考慮以下因素： |
| (1) Change of the use of the subject matter insured. | | （一）保險標的用途的改變； |
| (2) Change of the scope of use of the subject matter insured. | | （二）保險標的使用範圍的改變； |
| (3) Change of the environment of the subject matter insured. | | （三）保險標的所處環境的變化； |
| (4) Change of the subject matter insured due to refitting or any other reason. | | （四）保險標的因改裝等原因引起的變化； |
| (5) Change of the user or manager of the subject matter insured. | | （五）保險標的使用人或者管理人的改變； |
| (6) The continuance of increase of degree of peril. | | （六）危險程度增加持續的時間; |
| (7) Other factors that may lead to the great increase of degree of peril. | | （七）其他可能導致危險程度顯著增加的因素。 |
| ．．．．．． | | ．．．．．． |
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