Medical treatment is sure to be in charge of insurant be inside insurance time limit , because produce the contingency place inside extent of liability of person accident injury insurance to require cost , but every time the franchise of the accident is 5 yuan 医疗保险负责被保险人在保险期限内，因发生人身意外伤害保险责任范围内的意外事故所需费用，但每次事故的免赔额为5元。
Point to do not belong to insurance extent of liability inside or the responsibility that does not keep in except responsibility , insurant and underwriter both sides negotiate other classics after agreeing , a kind of responsibility with extraordinary responsible agreement 指不属于保险责任范围内的或除外责任中不保的责任，另经被保险人与保险人双方协商同意后，非凡约定负责的一种责任。
Of course , if be sure of mark the loss is by the insurance inside normal insurance extent of liability the accident is caused , because dangerous level increases the insurance accident place that cause to cause , not be , the underwriter still assumes liability to pay compensation by insurance contract 当然，假如保险标的的损失是由正常的保险责任范围内的保险事故造成的，并不是由于危险程度增加引起的保险事故所造成，保险人仍然按保险合同承担赔偿责任。
If the underwriter has the right of collection insurance premium , insurant has capture to pay the obligation of insurance premium ; because the reason inside insurance extent of liability causes a loss , insurant has insurance property the right to underwriter claim for compensation , the underwriter must assume compensatory obligation 如保险人具有收取保险费的权利，被保险人就有缴付保险费的义务；被保险人具有保险财产因保险责任范围内的原因造成损失向保险人索赔的权利，保险人就须承担赔偿义务。
According to the " maritime law " , if the scope of the right of subrogation of insurance companies is not limited by the sum they compensate for the insured , the insurance companies are entitled to claim the total sum to the third party in terms of the " loss within the scope of insurance responsibilities " , however , the insurance indemnity exceeding the sum they pay shall be returned to the insured 根据《海商法》的上述规定，保险公司的代位求偿权的范围不以其向被保险人赔偿的金额为限，保险公司可以就“保险责任范围内的损失”全额向第三人主张，但超过其支付的保险赔偿的部分，应退还给被保险人。而根据《保险法》的规定，保险公司的代位求偿权的范围以其支付的保险金额为限。
Prove the quality of insurance accident , it is to affirm whether insurance accident is insurance carry in the contract bright the accident inside insurance extent of liability ; prove the cause of insurance accident , can determine except blame of the underwriter , the insurance accident that causes intentionally to insurant for instance , the underwriter does not assume liability to pay compensation ; those who find out insurance mark loss rate , it is to affirm the insurance premium that the underwriter should pay 查明保险事故的性质，是为了确认保险事故是否为保险合同中载明的保险责任范围内的事故；查明保险事故的原因，可以确定保险人的除外责任，比如对于被保险人故意造成的保险事故，保险人不承担赔偿责任；查明保险标的的损失程度，是为了确认保险人应该支付的保险费。
After analyzing the corpus and object of the legal relationship of the d & o insurance , insured liability scope , the obligation to disclose of the cost burden , the inform liability of the policy - holder , the notice liability of the assured etc , and combining the lawmaking actuality of the d & o insurance system in our country , the writer put some lawmaking ideas about building and perfecting the d & o insurance system in our country 因此,笔者在简要介绍董事责任保险之后,从董事责任保险产生的法理基础即董事的义务与责任入手,以此为逻辑原点研究这一制度的内在动力。然后具体分析了董事责任保险法律关系涉及的五个方面,包括当事人与关系人、保险标的、保险责任范围、保险费的负担以及投保人的告知义务与被保险人的通知义务等。
The article firstly introduces the concept of directors and officers liability insurance , legal characteristics of the kinds , general situation in other countries , and the meaning of developing it then it analyses it from seven aspects , including the objects of directors and officers liability insurance , the parties of directors and officers liability insurance contract relevant party , the payment of premium , the range of responsibility , the period of insurance , the duty of notifying of the insured and assured 然后又从七个方面对公司董事及高级职员责任保险制度进行了分析。分别论证了公司董事及高级职员责任保险的保险标的、公司董事及高级职员责任保险合同的当事人、关系人、公司董事及高级职员责任保险的保险金给付、保险责任范围的确定、保险期间、投保人和被保险人的告知义务等。
The fourth section brings forward problems that exist in residential mortgage loan insurance now , and gives several relative measures . furthermore , three new insurances are put forward in this part . the fifth section recommends three kinds of residential mortgage loan insurance from other countries , and some ways are put forward in this section 第四部分分析了我国个人住房抵押贷款保险发展中存在的问题，认为现存的问题有保险责任范围过窄、保险金额计算方式不够准确、保险产品设计不够合理等，并提出一些相应的对策；此外，论文还设计了个人住房抵押贷款保证分红两全保险等三个创新险种。
Referring to the experiences of international engineering risk management , the paper has put forward the contents systematically for perfection of engineering risk management system in power construction of china , pointed out the countermeasures to enhance the engineering risk management for all bearing , divided the responsibility scope of engineering insurance for the owners and contractors 借鉴国际工程风险管理经验，提出了系统地完善我国电力建设工程风险管理体系内容，指出了全方位加强工程风险管理的对策，较为合理地划分了业主和承包商的工程保险责任范围。
