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美国跨国公司对其国外子公司的保险事务管理往往要比国内公司复杂,因为其他国家对经批准的和未经批准的保险都有法律规定。经批准的保险是指符合保险标的所在国法律的保险合同,由在该国、注册的保险公司经营,它用该国语言订立合同,其条款反映当地的习惯和做法,保险费和赔款一般也以当地货币支付。未经批准的保险则是指未在保险标的所在国注册的外国保险公司出立的保险单,它用英语写成,使用习惯的英美保险条款,保险
The management of insurance affairs by U.S. multinational corporations for their foreign affiliates tends to be more complicated than the domestic ones because other countries have legal provisions for both approved and unapproved insurance. Approved insurance means an insurance contract that is in accordance with the law of the country in which the subject-matter of insured is insured and is operated by a registered insurance company in that country and which contracts in the language of the country, whose terms reflect local customs and practices, and insurance and claims generally Pay in local currency. Unapproved insurance is a policy issued by a foreign insurance company that is not registered in the country where the subject-matter of insurance is insured, written in English and used in the Anglo-American terms of the insurance, insurance