保险标的转让与保险合同效力的维持

Transfer Insurance Object and Maintain the Insurance Contract Effectiveness

保险标的转让时保险合同应随之发生转让,合同效力延续,被保险人或投保人应履行通知义务。除非保险合同明确约定禁止转让,或者转让将导致保险标的风险显著增加或对保险人收取保险费权利产生明显不利时,保险人不得解除保险合同。

Insurance contract transfers as the insurance object transfers and the validity of contract can not stop. Insurant or policy - holder should afford the duty of notification unless the transfer is forbidden in contract. Insurer cannot release contract if the risk obvious added when transfer insurance, or impact the right to collect insurance fees obviously.