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【多选题】
关于退保的规定，以下正确的是( )A.
投保人在订立保险合同时，故意隐瞒事实，不履行如实告知义务，保险人可以提出解除合同，且可以不退还保险费。
B.
保险责任开始前，被保险人提出解除合同，保险人应全额退还保险费，不可以收取其他费用。
C.
被保险人未履行其对保险标的安全应尽的责任时，保险人可以提出解除保险合同。
D.
因保险赔偿致使保险合同终止时，保险人不退还保险费。
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