The 92nd article Insurance company's business scope: (one) property insurance service, universal
property damage insurance, liability insurance, fidelity insurance and so on insurance business;
(two) life insurance service, including life insurance, health insurance, accident insurance and so
on insurance business. The identical insurer do not simultaneously the concurrently camp property
insurance service and the life insurance service; But, the management property insurance service's
Insurance company checked after the insurance supervisory agency, may manage the short-term health
insurance service and the accident insurance service. Insurance company's business scope checked
legally by the insurance supervisory agency. The Insurance company can only, in was checked in the
business scope is engaged in the insurance operative activity. The Insurance company do not
concurrently camp this law and other legal, outside the administrative rules and regulations
stipulation service.
The 93rd article checked after the insurance supervisory agency that before the Insurance company
may manage, the strip stipulation insurance business following reinsurance service: (one) branches
out the insurance; (two) the minute enters the insurance.
The 94th article the Insurance company must act according to safeguards the insured benefit, the
guarantee to reimburse ability the principle, withdraws each responsibility reserve fund. The
Insurance company withdraws with the carry-over responsibility reserve fund specific measure by the
insurance supervisory agency formulation.
The 95th article the Insurance company must defer to the insurance indemnity which already proposed
or pay the amount, as well as already had the insurance indemnity which the insurance risk but not
yet proposed or pays the amount, the extraction outstanding loss reserve fund.
The 96th article besides defers to the first two stipulation extraction reserve fund, the
Insurance company must defer to the relevant law, the administrative rules and regulations and
country financial inventory accounting system's stipulation extraction common reserve fund.
The 97th article to safeguard insured's benefit, supports the Insurance company to manage steady,
the Insurance company must defer to the insurance supervisory agency the stipulation drawing
insurance cover fund.
The insurance cover fund must the centralized management, the overall plan use.
Insurance cover fund management use specific measure by insurance supervisory agency formulation.
The 98th article the Insurance company must have reimburses ability which lowly adapts with its
service scale. Insurance company's actual assets subtract the real liability the difference not to be
lower than the insurance supervisory agency stipulation the amount; Is lower than the quota, must
increase the capital in cash, makes up the difference.
The 99th article the management property insurance service's Insurance company the personally
used insurance premium, do not surpass in the past has the capital in cash to add the common reserve
fund sum total actually four times.
The 100th article Insurance company to each dangerous unit, the responsibility which to an insurance
risk namely possibly creates the biggest loss scope which undertakes, do not surpass has the capital
in cash to add the common reserve fund sum total actually 10%; Surpasses the part, must handle the
reinsurance.
The 101th article Insurance company to dangerous unit's computation means and great disaster risk
arrangement plan, must report after the insurance supervisory agency approves.
The 102th article the Insurance company must defer to the insurance supervisory agency the
concerned requirements to handle the reinsurance.
The 103th article the Insurance company needs to handle the reinsurance to branch out the service,
must first handle to the Chinese domestic Insurance company.
The 104th article the insurance supervisory agency is authorized to limit or to forbid the
Insurance company to handle the reinsurance to the Chinese foreign Insurance company to branch out
the service or to accept the Chinese foreign reinsurance minute to enter the service.
The 105th article Insurance company's utilization of capital must be steady, follows the secure
principle, and guarantees the property the inflation-proofing and appreciation.
Insurance company's utilization of capital, limited to other utilization of capital form which in
the bank deposit, business government security, the financial bond and the State Council stipulated.
Insurance company's fund do not use in setting up the negotiable securities operating unit, do
not use in setting up outside the insurance business the enterprise.
The Insurance company utilizes fund and specific items' fund accounts for its capital investment
the concrete proportion, by insurance supervisory agency stipulation.
The 106th article the Insurance company and the staff do not have the following behavior in the
insurance business activity:
(one) deceives the policy holder, insured or the beneficiary;
(two) to policy holder concealment and insurance contract related important circumstance;
(three) hinders the policy holder to fulfill this law to stipulate informs the duty truthfully,
or induces it not to fulfill this law to stipulate informs the duty truthfully;
(four) pledged that to the policy holder, the insured or the beneficiary gives outside the
insurance contract stipulation the insurance premium sales commission or other benefits;
(five) compiles the insurance risk which has not occurred to carry on the false adjustment
intentionally, swindles the insurance money.
