| 单词 | Return of premium |
| 释义 | 退還保費 The refund of all or part of the premium to an insured by an insurer. The assured is entitled to a return of premium when there has been a total failure of the consideration for which he paid it, in the sense that the risk has never attached: Baron v Hartford Fire Insurance Co (HCA 9031/93, unreported). The principle that the premium may be returned applies, subject to qualifications, in the case of a contract which is vitiated by illegality: Busk v Walsh (1812) 4 Taunt 290. If a life policy contains an exception in respect of suicide and the assured commits suicide during the currency of the policy, the policy will not be enforceable; the premium is not returnable because the insurers were at all times on risk as regards death from natural, as opposed to self-induced, causes: Tyrie v Fletcher (1777) 2 Cowp 666. A marine insurance policy may specify that the insurer is to return all or part of the premium upon occurrence of certain events: Marine Insurance Ordinance (Cap 329) s 84. Where the policy contains a stipulation for the return of the premium, or a proportionate part of it, on the happening of a certain event, and that event happens, the premium, or, as the case may be, the proportionate part, is thereupon returnable to the assured: s 83. See also Marine insurance policy; Premium. 由保險人向投保人退還所有或部分保費。如投保人為投保而支付的代價完全未能實現，即有關的風險從不發生，則投保人享有獲退還保費：Baron v Hartford Fire Insurance Co（高院民事訴訟1993年第9031號，未經彙報）。在因不合法使合約成為無效的情況，在符合條件的情況下，可退還保費的原則適用：Busk v Walsh (1812) 4 Taunt 290。如人壽保單載有關於自殺的例外情況，而投保人在受保期間自殺，則不可強制執行保單；不退還保費，因為保險人就自然死亡而言，在任何時候都有風險，這與自我招致的原因相對：Tyrie v Fletcher (1777) 2 Cowp 666。海上保險的保單可訂明投保人在發生若干事件時會退還所有或部分保費：《海上保險條例》（第329章）第84條。如保單載有條文，規定某事件發生時退還保費或退還其中任何份額的保費，則在該事件發生時，受保人隨即可獲退還該項保費或該項份額的保費（視屬何情況而定）：第83條。另見 Marine insurance policy; Premium。 |
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