There are many knowledge points related to insurance. The first thing to know is the insured, the insured and the beneficiary. Next, let's talk separately:
I. Concepts of policyholder, insured and beneficiary
(1) Insurance
An applicant is a person who has entered into an insurance contract with an insurance company and is obliged to pay the insurance premium. Generally speaking, buying insurance is like buying something. There are buyers and sellers, the insured belongs to the buyer and the insurance company belongs to the seller.
(2) the insured
The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. For example, after Xiaohong bought a critical illness insurance for Xiaobai, Xiaobai was unfortunately diagnosed with a serious illness, and this insurance had to be settled. Xiao Bai is the insured of this relationship. The insured can be the insured, which means Xiaohong can be both the insured and the insured, and buy herself a critical illness insurance.
(3) beneficiaries
Beneficiary refers to the person who is designated by the insured or the applicant to have the right to claim insurance money in the life insurance contract. For example, Xiaohong bought a critical illness insurance for Xiaobai, and Xiaohei was the beneficiary. Xiaobai was unfortunately diagnosed with a serious illness, so this insurance money should be paid to Xiaohei.
Two. Restrictions of the applicant, the insured and the beneficiary
① policyholder
The insurable interest to the insurer is the premise for the insured to conclude an insurance contract. In this regard, Article 31 of the Insurance Law stipulates that the insured may insure these people:
② Insured
It is not feasible to buy life insurance for the insured without civil capacity.
The insured person has the obligation to tell the truth before insurance, otherwise the claim of the policy may not be very smooth. For details, please read this interpretation: "Is the health notification from the insurance company making things difficult for us?" 》
③ Beneficiary
Beneficiaries are divided into legal beneficiaries and designated beneficiaries.
The legal beneficiary refers to the legal heir as the beneficiary. The following is the order of inheritance stipulated in the inheritance law:
First order: spouse, children, parents.
The second order: brothers and sisters, grandparents, grandparents.
Beneficiaries can be designated by the applicant and the insured, and the applicant and the insured can also specify the order and share of benefits, and the designated beneficiaries can be one or more.
The beneficiary of insurance cannot be arbitrarily designated. The specific strategy is: "How to designate the beneficiary of insurance? 》
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Source: Xueba said that insurance official website