Insurance Law of the People's Republic of China
(Adopted at the 14th Session of the Standing Committee of the Eighth National People's Congress on June 30, 1995, and promulgated by Order No. 51 of the President of the People's Republic of China on June 30, 1995)

Chapter I - General Provisions

Chapter II - Insurance Contract

Section 1 - General Provisions

Section 2 - Property Insurance Contract

Section 3 - Life Insurance Contract

Chapter III - Insurance Company

Chapter IV - Operational Rules Governing Insurance

Chapter V - Supervision and Control over Insurance Business

Chapter VI - Insurance Agent and Insurance Broker

Chapter VII - Legal Responsibility

Chapter VIII - Supplementary Provisions

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China - Insurance Law, 1995

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Insurance Law of the People's Republic of China
(Adopted at the 14th Session of the Standing Committee of the Eighth National People's Congress on June 30, 1995, and promulgated by Order No. 51 of the President of the People's Republic of China on June 30, 1995)

Chapter II - Insurance Contract

Section 2 - Property Insurance Contract

Article 39

Insurable value of a subject-matter insured may be determined by the applicant and the insurer and be contained in the contract, and also may be determined according to the actual value of the subject-matter insured at the time that the insurance accident occurs. The insured amount may not exceed the insurable value, if exceeding, the part in excess shall be invalid. Where the insured amount is lower than the insurable value, unless the contract has separate stipulations, the insurer will bear the liability for indemnity according to the percentage of the insured amount of the insurable value.

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Insurance Law of the People's Republic of China (Adopted at the 14th Session of the Standing Committee of the Eighth National People's Congress on June 30, 1995, and promulgated by Order No. 51 of the President of the People's Republic of China on June 30, 1995)

Chapter I - General Provisions

Chapter II - Insurance Contract

Section 1 - General Provisions

Section 2 - Property Insurance Contract

Section 3 - Life Insurance Contract

Chapter III - Insurance Company

Chapter IV - Operational Rules Governing Insurance

Chapter V - Supervision and Control over Insurance Business

Chapter VI - Insurance Agent and Insurance Broker

Chapter VII - Legal Responsibility

Insurance Law of the People's Republic of China
(Adopted at the 14th Session of the Standing Committee of the Eighth National People's Congress on June 30, 1995, and promulgated by Order No. 51 of the President of the People's Republic of China on June 30, 1995)