Overlapping Insurance，或double insurance，重复保险。是指投保人对同一保险标的（the same subject matter insured）、同一保险利益（the same subject matter insured）、同一保险事故（the same insured incident），在同一保险时期分别向两个或两个以上的保险人订立保险合同，且（或）保险金额总和超过保险价值的保险。

Overlapping Insurance的各保险人赔偿保险金的总和不得超过保险价值。除合同另有约定外，各保险人按照其保险金额与保险金额总和的比例承担赔偿保险金的责任。投保人可以就保险金额总和超过保险价值的部分，请求各保险人按比例返还保险费。

总结重复保险的两个特点：

其一，投保人与两个以上的保险人订立了保险合同；

其二，在投保人与不同的保险人分别订立的保险合同中，保险标的、保险利益、保险事故都是相同的。

参考双语例句：

The notice clause of double insurance should include content, time, the exceptional obligation and the legal responsibility of violation of notice obligation.

重复保险的通知条款应包含通知的内容、时间、通知义务的例外情形及违反通知义务的法律责任等内容。

Concerning the change in the contribution formula, the representative of the Director-General recalled that (i) it is the responsibility of the Director-General to offer an adequate system of social security for the staff, including medical insurance for the retirees meeting the conditions to maintain their participation in the Medical Benefits Fund; (ii) in most United Nations organizations the share between the employee and Employer contributions is 40/60 or even 33/67, as is the case in the United Nations Joint Staff Pension Fund; (iii) the global MBF contribution is reaching such a point that the staff and retiree contributions should now be alleviated to a possible extent.

关于纳费公式的变化，总干事代表指出：(i)总干事有责任为工作人员提供充足的社会保障制度，包括为符合条件的退休人员提供医疗保险，使他们能继续参加医疗保险基金；(ii)在大多数联合国组织中，雇员和雇主的缴费比例都是40/60，甚至是33/67,如联合国工作人员共同养老基金；(iii)医疗保险基金总体缴费达到很高的水平，现在应该在一定程度上减轻工作人员和退休人员的缴费负担。