n. 保品，保险标的物
The insurable value of the subject matter insured shall be agreed upon between the insurer and the insured.
第二百一十九条保险标的的保险价值由保险人与被保险人约定。
Now let us turn to loses through inherent vice or nature of the subject matter insured, such as deterioration of food, leakage of liquid and breakage of glass or ceramics.
现在我来谈谈因“货物内在缺陷或特性”，诸如：由于物品变质，液体渗漏以及玻璃或陶瓷器破碎所引起的损失。
Abandonment in marine insurance is when constructive total loss happens, the assured transfer rights of the insurer to the subject matter insured and demands indemnification from the insurer.
海上保险委付是指保险标的在推定全损的场合视同已全部损失，被保险人放弃保险标的，将保险标的的一切权利和义务转移给保险人而收取全部保险金额的制度。
Expenses incurred by or on behalf of the assured for the safety or preservation of the subject matter insured, other than general average and salvage charges, are called particular charges.
除共同海损和救助费用外，由被保险人或代表被保险人，为保险标的的安全或保存保险标的所产生的费用，叫特别费用。
A valued policy is a policy which specifies the agreed value of the subject matter insured.
定值保险单指载明保险标的的约定价值的保险单。
The car insurance is the common name of a number of insurance businesses, which take cars and its benefits as the subject matter insured.
汽车保险是以汽车及与之密切关联的利益为保险标的多项保险业务的统称。
In the third part, the author analyses the insurer's rights and obligations on the subject matter insured.
第三部分论述保险人对保险标的的权利义务。
The premise for the investor to get the indemnity from insurance is that he should have insurable interest on the subject matter insured.
抵押权人有可保利益是其获得保险保障的前提。
A mortgagee, consignee, or other person having an interest in the subject-matter insured may insure on behalf and for the benefit of other persons interested as well as for his own benefit.
抵押权人、收货人或对保险标的有利益的其他人，除为了自已的利益外，得代表和为其他有利害关系的人的利益进行保险。
Any change of interest in the subject-matter insured shall not affect the validity of this insurance.
对保险标的的任何利益变更，不影响本保险的有效性。
This insurance covers all risks of loss of or damage to the subject-matter insured except as provided in clause 4,5,6 and 7 below.
本保险承保除了下述第4、5、6和7条规定的除外责任以外的保险标的的灭失或损害的一切风险。
For master policy business with the state key construction projects as its subject-matter insured.
对于保险标的为国家重点建设项目的统括保单业务。
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。
The nature and extent of the interest of the assured in the subject-matter insured need not be specified in the policy.
被保险人对于保险标的利益的性质和范围无需在保险单中明确规定。
Where the policy designates the subject-matter insured in general terms , it shall be construed to apply to the interest intended by the assured to be covered.
在保险单用一般术语标明保险标的之场合，应解释为适用于被保险人意图投保的利益。
If the policy be an unvalued policy, the measure of indemnity is the insurable value of the subject-matter insured.
如果保险单是不定值保险单，赔偿范围是保险标的的可保价值。
Marine liability insurance which belongs to marine insurance and is a part of liability insurance is a general term of insurance which subject-matter insured is limited marine liability.
海上责任保险是以海上责任为保险标的的保险的总称，既属于海上保险范畴，也是责任保险之一部分。
In the application of this section regard shall be had to any usage regulating the designation of the subject-matter insured.
在适用本条规定时，还应考虑制约保险标的指定的任何习惯。
If there are separate items with separate insured amounts the insurer's maximum liability shall not exceed the insured amount of each item of the subject-matter insured.
如有分项保险金额的，最高以各该分项保险标的保险金额为限。
Where the subject-matter insured is warranted well or in good safety on a particular day, it is sufficient if it be safe at any time during that day.
在被保险人保证保险标的在某一特定日期内保持“良好”或“完好安全”之情况下，只要保险标的在该日期的任何时候处于安全状态便已足够。
This insurance covers all risks of loss of or damage to the subject-matter insured except as excluded by the provisions of Clauses 4, 5, 6 and 7 below.
本保险承保除了下述第4、5、6和7条规定的除外责任以外的保险标的的灭失或损害的一切风险。
In order to recover under this insurance the Assured must have an insurable interest in the subject-matter insured at the time of the loss.
为了根据本保险获得赔偿，被保险人在保险标的损失当时，必须具有某种可保利益。
Where the policy designates the subject-matter insured in general terms, it shall be construed to apply to the interest intended by the assured to be covered.
在保险单用一般术语清楚地标明保险标的之情况下，应解释为适用于被保险人意图投保的利益。
Article 11 An applicant for insurance shall have an insurable interest in the subject-matter insured.
第十一条投保人对保险标的应当具有保险利益。
Ocean losses refer to the direct or indirect losses of the insured subject matter during the voyage owing to the perils of the sea.
海运保险货物在海洋运输中由于海上风险所造 成的损坏或灭失，称为海损。
"Subject matter insured"（保险标的物）是保险合同中一个核心的法律和实务术语，指保险合同中载明的、作为保险保障对象的特定财产、利益、责任或人身。它是保险人承诺在发生承保风险事故时提供赔偿或给付的具体对象。
详细解释：
核心含义：
法律依据与重要性：
与相关概念的区别：
实务应用：
“Subject matter insured”是保险合同的基石，指代那份特定合同所保障的具体财产、利益、责任或人身。它必须是合同中明确描述的、可识别的对象。理解并准确界定保险标的物对于保险合同的效力、保障范围的确定以及理赔的顺利进行至关重要。其法律基础源于各国保险法和合同法（如英国《1906年海上保险法》的相关原则），实务中要求保单对其有清晰无误的描述。
"Subject matter insured" 是保险领域的专业术语，其核心含义和用法如下：
一、术语构成解析
二、法律定义 指保险合同中明确约定的具体承保对象，包含：
三、实务应用特征
四、相关术语辨析
该术语是保险责任认定的核心要素，其明确程度直接影响理赔有效性。在海上保险等特定领域，需配合提单等运输单据进行交叉验证（如所述"与其它货运单证相对照"）。
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