保险合同无效

保险合同无效；

The insurance contract is void ;

如果投保人有意隐瞒任何事情，或故意误导，其行为都被视为欺诈，因此保险合同无效。

If the insured intends to hide or mislead anything , which will be regarded as fraud , the contract is voidable .

论保险合同的无效及其法律后果

On the Nullification of Insurance Contract and Its Legal Consequence

没有可保利益的保险合同是无效的。而任何根据这类合同提出的索赔都不会被受理。

An insurance contract without an insurable interest to support it is invalid and any claim made upon it will not be entertained .

保险合同的无效导致的法律后果可以类推适用合同法的相关规定。

The law consequences led to by the nullification of insurance contract may be applied to the correlation provision of contract law by analogy .

保险合同的无效是指因法定原因或约定原因使业已成立的保险合同在法律上全部或部分不产生法律效力。

The nullification of insurance contract means that the tenable insurance contract does not produce entirely or partly legal effects because of its legal cause and promised causes .

如不真实，保险人即可宣告合同无效。

If it be untrue the insurer may avoid the contract .

凡是投保人出于恶意。以骗取保险金为目的订立的保险合同无效。

If policy holder cheats to obtain premium , due to the malice , the insurance contract signed will be of no effect .

尽管错误的陈述是无意的，但保险人还是受到欺骗。从而保险合同无效。

Even though the mis-statement is unintentional , the underwriter will still be deceived and the policy voidable .

投保人对保险标的不具有保险利益的，保险合同无效。已估价保险单的保险标的价值已（被双方）约定。

An insurance contract is null and void if the applicant has no insurable interest in the subject matter of the insurance . A valued policy insures subject matter for an agreed value .

保险利益是保险合同的核心，缺乏保险利益的保险合同是无效的合同。

Insurance benefit is the core of insurance contract . The insurance contract without insurance benefit is invalid .

投保人或者被保险人在保险事故发生时应当具有保险利益，否则，保险合同无效。希望能对我国保险法的进步和司法实践的发展尽绵薄之力。

Policy holder or the insured shall own insurable interests when the insurance accidents happen , otherwise , the insurance contract shall be invalid .

[摘要]海上保险中，被保险人对保险标的应当具有可保利益，否则，保险合同无效。

In marine insurance , the insured must have an insurable interest in subject matter , otherwise , the policy is void .

若被保险人企图通过误告重要事实来欺骗保险人，一般情况下保险合同是无效的，不可实施的。

If an insured attempts to defraud an insurer by misrepresenting a material fact , the insurance contract generally becomes void and unenforceable .

而在人身保险中，可保利益必须在订立保险合同时就存在，否则保险合同即为无效，至于合同成立后，投保人是否失去可保利益，对其在合同上的权利并无影响。

Differently , if the insurable interest does not existed on the execution of a life insurance contract , the contract shall be definitely void .

保险利益决定保险合同的效力问题，投保人对保险标的不具有保险利益的，保险合同无效。

If the applicant has no insurable interest to the subject matter of insurance , the insurance contract will be null and void .

保险条款符合要求的，应予审批，但若保险条款应经审批而未审批的，不应因此而导致保险合同无效。

If the insurance clause that should be examined and approved isn 't examined and approved , it will not necessarily make the insurance contract invalid .