Article 15 Unless otherwise prescribed herein, or in the insurance contract, the insurer may not terminate the contract after it is formed.

第十五条 　除本法另有规定或者保险合同另有约定外,保险合同成立后,保险人不得解除保险合同。

属类：法学专业-中国法律-保险法

Article 16 The insurer shall, prior to the conclusion of an insurance contract, explain the contract terms and conditions to the applicant and may inquire about the subject matter of the insurance or person to be insured. The applicant shall make a full and accurate disclosure.

第十六条 　订立保险合同,保险人应当向投保人说明保险合同的条款内容,并可以就保险标的或者被保险人的有关情况提出询问,投保人应当如实告知。

属类：法学专业-中国法律-保险法

The insurer shall have the right to terminate the insurance contract, in the case that the applicant intentionally conceals facts, or does not perform his/her obligation of making a full and accurate disclosure, or negligently fails to perform such obligation to the extent that it would materially affect the insurer’s decision whether or not to underwrite the insurance or whether or not to increase the premium rate.

投保人故意隐瞒事实,不履行如实告知义务的,或者因过失未履行如实告知义务,足以影响保险人决定是否同意承保或者提高保险费率的,保险人有权解除保险合同。

属类：法学专业-中国法律-保险法

If any applicant intentionally fails to perform his/her obligation of making a full and accurate disclosure, the insurer shall bear no obligation for making any indemnity or payment of the insurance benefits, or for returning the premiums paid for the occurrence of the insured event which occurred prior to the termination of the contract.

投保人故意不履行如实告知义务的,保险人对于保险合同解除前发生的保险事故,不承担赔偿或者给付保险金的责任,并不退还保险费。

属类：法学专业-中国法律-保险法

If an applicant negligently fails to perform his/her obligation of making a full and accurate disclosure and this materially affects the occurrence of an insured event before the termination of the contract, the insurer shall bear no obligation for making any indemnity or payment of the insurance benefits but may return the premiums paid.

投保人因过失未履行如实告知义务,对保险事故的发生有严重影响的,保险人对于保险合同解除前发生的保险事故,不承担赔偿或者给付保险金的责任,但可以退还保险费。

属类：法学专业-中国法律-保险法

An insured event refers to an event falling within the scope of cover under the insurance contract.

保险事故是指保险合同约定的保险责任范围内的事故。

属类：法学专业-中国法律-保险法

Article 17 If there are any exclusion clauses imposed by the insurer in the insurance contract, then the insurer shall give specific and clear explanations thereof to the applicant when concluding the insurance contract, otherwise such clauses shall not be enforceable.

第十七条 　保险合同中规定有关于保险人责任免除条款的,保险人在订立保险合同时应当向投保人明确说明,未明确说明的,该条款不产生效力。

属类：法学专业-中国法律-保险法

Article 18 An insurance contract shall contain the following particulars:

第十八条 　保险合同应当包括下列事项:

属类：法学专业-中国法律-保险法

Name and address of the insurer;

(一)投保人名称和住所;

属类：法学专业-中国法律-保险法

Names and addresses of the applicant and the insured, and name and address of the beneficiary in the case of insurance of persons;

(二)投保人、被保险人名称和住所,以及人身保险的受益人的名称和住所;

属类：法学专业-中国法律-保险法