insurers base the premium for medigap coverage on the insured's age when the policy is issued and the amount of coverage provided.

moral hazard irresponsible conduct by the insured which is likely to increase the possibility of loss .

通过检查你的举止是否一向注意安全，保险公司可以应对道德风险。

if the insured cancels this insurance after 24 months from the commencement of this policy, no refund of premium will be made.

如被保险人于起保日计算第二十四个月后要求取消，则没有保险费退还予被保险人。

the application process should be noted in the log, and the insured should be asked to sign the application.

申办过程中，应该注意到，在日志，以及被保险人应要求签署有关申请。

why should not more of the losses fall on creditors, other than the insured depositors?

为什么存款保险人之外的债权人等就不该承担更多的损失？

if the insured cancels this policy after 12 months from the commencement date of this insurance, no refund of premium will be made.

如被保险人于起保日计算十二个月后要求取消此保险单，则没有保险费退还予被保险人。

the insurer shall not be liable for the loss caused by the intentional act of the insured.

第二百四十二条对于被保险人故意造成的损失，保险人不负赔偿责任。

misrepresenting or failing to explain any matter affecting the rights and interests of the proposer or the insured.

就影响要保人或被保险人权益之事项为不实之说明或不为说明者。

however, the insured won't always need the full insurance coverage since their risk attitude is vastly different.

然而，由于各投保人风险态度迥异，不一定总对保险标的全额投保。

h'm, well, i think i might recommend payment of. . . seventy-five percent of the insured value.

嗯，，这样，我想我可能会建议赔偿----保险价值的75%。

with the specified- perils form , the insured has the burden of showing the proximate cause of the loss was covered .

在列明风险项下，被保险人负有举证之责，以证明损失的近因是在承保责任范围之内。

the applicant may change the beneficiary subject to the consent of the insured.

投保人变更受益人时须经被保险人同意。

we know, as usual, you just follow the invoice value plus 10% of the insured, so i put the additional premium will be borne.

我们知道，按照惯例，你们只要按照发票金额另加10%投保，因此额外的保费由我放承担。

e. g. a partial average loss under 3%of the insured amount will not be recoverable but one amounting to or exceeding 3% will be paid.

单独平均损失低于所保金额的3%时，不赔偿，达到或超过3%时则赔偿。

the possible loss must be financially serious to the insured.

对投保人可能造成的损失必须在经济上是十分严重的。

this extension insures liability for fire damage to premises rented to or occupied by the insured.

此附加保障保户由于火灾而损毁租借楼宇的法律责任。

only a small proportion of the insured suffer loss.

只有保险过的一小部分遭受了损失。

the insurer indemnified the insured for the great losses.

承保人赔偿了投保人的巨额损失。

if the insured refuses, or cannot read english, the agent or broker should read the application to the insured.

如果被保险人拒绝或不能阅读英文，是代理人或经纪人应改为申请投保。

at the same time, do not regard as insurance payments over the insured benefit er shi.

同时，也不至于由于保险赔付而使被保险人过分受益。

it is agreed, the common commitment to the insured and the insurer, the insurance period, not to cancel this policy.

兹经双方同意，投保人和保险人共同承诺在保险期间内，均不撤销本保单。