| 单词 | Insurance contract |
| 释义 | 保險合約 A contract of speculation in which the insurer agrees, consideration of money (a premium) paid to the insurer by the assured, to indemnify the latter against loss resulting from the happening of a specific event: Prudential Insurance Co v IRC[1904] 2 KB 658. The facts upon which the risks are to be computed lie mostly within the knowledge of the assured only. The concept of uberrimae fidei (utmost good faith) forbids either party concealing private knowledge of a fact to draw the other into a bargain entered into through ignorance of the fact and belief to the contrary: Joel v Law Union & Crown Insurance Co [1908] 2 KB 863 (CA); Lai Chui Kar Poa Helen v American International Assurance Co (Bermuda) Ltd [1985] 2 HKC 689 (HC). See also Contract; Disclosure; Insurance; Insurance agent; Insurer; Premium; Uberrimae Fidei. 指投機的合約，在合約當中，保險人同意由受保人向保險人付出金錢（即保險費），當某特定的事件發生時就帶來的損失對受保人作出彌償：Prudential Insurance Co v IRC[1904] 2 KB 658。危機的計算所根據的事實大部分只存在於受保人所知悉的事情。坦率誠實的原則不准任何一方隱藏對事實的知悉，以促使另一方通過對事實的不知情與相反的信念而訂立協議：Joel v Law Union & Crown Insurance Co [1908] 2 KB 863（上訴法院）；Lai Chui Kar Poa Helen v American International Assurance Co(Bermuda) Ltd [1985] 2 HKC 689（高等法庭）。另見 Contract; Disclosure; Insurance; Insurance agent; Insurer; Premium; Uberrimae Fidei。 |
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