Payment of the premium is the most important obligation of the insured person, and is the proviso under which the insurance company will assume the responsibilities of the insurer.
交纳保险费是投保人最重要的义务，保险公司只有在投保人支付保险费的前提下，才承担保险责任。
2
Especially, the scope of the obligation undertaken by the insurer who has taken over the ownership of the subject-matter insured usually becomes the core of the dispute.
尤其是接受了保险标的所有权的保险人究竟在多大范围内承担基于此所有权的责任更成为争议的焦点。
3
Whether the insurer should implement explanation obligation is always a focus in insurance disputes due to the lack of relevant standards.