Whether to buy insurance or not, the policyholder and the insured must be the same, what will happen

The insured and the insured may or may not be the same person, but they must have an insurable interest. For example, in health insurance, the inconsistency between the policyholder and the insured is common in the following situations:

1. Parents insure their minor children. Children are minors who cannot afford it and can only be insured by their parents, such as student health insurance while they are in school.

Wait. 2. Family members and close relatives who have no financial **.

Insure. Family members and close relatives who have a duty of support, support, or care for themselves should be insured by health insurance, such as children taking out insurance for their elderly parents, and husbands taking out insurance for their wives.

3. The group unit insures the employees. Health insurance for employees is an important part of the employee benefit plan. In group health insurance, the policyholder is a corporate body, and the insured is a member of the group, so the cost is reduced and the cost is reduced through centralized purchase.

You can contact Ping An Life Insurance 95511-1 and Ping An Auto Insurance.

Property Insurance, Accident Insurance.

95511-5, Ping An Pension Group 95511-6, Ping An Health Insurance: 95511-7 Consultation.

The official website shall prevail.

Not necessarily. The policyholder can be an insured or not, but the specific requirements depend on how the product is stipulated. Some products may require the policyholder to be the same as the insured, but some products will stipulate that the policyholder must not be the same person as the insured due to the requirements of protection liability, such as some products that provide policyholder waiver.

In addition to the policyholder and the insured, the policy contract will also involve the "beneficiary". Under normal circumstances, the beneficiary can be the policyholder or the insured, or someone else, but there should be an interest relationship between the policyholder, the insured and the beneficiary. The beneficiary of the survival insurance benefit is generally the insured himself, while the death insurance benefit often needs to designate a beneficiary, or the insurance company defaults to the legal heir as the beneficiary of the death insurance benefit.

In fact, there are many details in the policy contract that need our attention, such as liability exemption, waiting period and other clauses. For example, if the insured commits suicide, the policyholder intentionally injures and kills the insured, etc., the insured is out of insurance, then the insurance company often does not make a claim, after all, these behaviors are suspected of insurance fraud. The waiting period mainly appears in health insurance (such as critical illness insurance, million medical insurance), and the insurance company may not pay the claim due to non-accidental accidents during the waiting period.

Before applying for insurance, let's take a look at what industry insiders say: before buying insurance, you must first understand these key knowledge points!

Hello! Risks are everywhere in life, and in order to improve personal protection, it is necessary to insure individuals in a timely manner.

Whether to buy insurance or not, the policyholder and the insured must be the same.

No, the policyholder refers to the person who buys the insurance, and the insured refers to the insured person. The two can be different. For example, you can buy insurance for your family, wife, etc.

If you are insuring your lover, then, the policyholder is you, the insured is your lover, you can sign on your behalf, but it is recommended that it is best to sign by your lover in the later stage, and it will be troublesome to settle the claim later.

What are Insured and Policyholder?

(1) The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract. The policyholder has an insurable interest in the insurable subject matter, and the policyholder can be a natural person or a legal person.

2) The insured refers to the person who is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured.

Policyholder: The premium payer and the policyholder.

Insured: the subject matter of protection.

Beneficiary: Generally refers to the recipient of the death benefit of the insured.

The policyholder and the insured must have an insurance interest.

The beneficiary is the person named by the policyholder and the insured. The policyholder designates the recipient to be signed by the insured. The beneficiary of Ji Fa Irrigation and Killing Lonely Ghost Phthalein Handka can be a natural person or a legal person.

It can also be multiple people. There is no limit. Of course, friends can.

Hello, I am Lee Shau Kee, who is good at loans, insurance, and banking, and has successfully solved problems for more than 20,000 people

1. The so-called insurance policyholder refers to the person who signs an insurance contract with the insurance company and pays the insurance premium in accordance with the insurance contract.

2. The insured refers to the person who receives the protection of the insurance contract, and after the occurrence of an accident covered by the insurance contract, he can claim loss compensation from the insurance company and obtain insurance compensation in accordance with the contract.

3. To put it simply, the policyholder is the person who pays the insurance premium, and the insured is the one who enjoys the insurance protection. According to the insurance contract, the policyholder and the insured can be the same person or not the same person, and in general, the policyholder and the insured are not the same person's immediate family members, but can be husband and wife, parents, and children.

Can be inconsistent. The policyholder refers to the unit or individual who has signed a contract with the insurance company and has the obligation to pay the insurance premium, that is, the person who applies for insurance and pays the insurance premium. If the owner insures his car, the policyholder is the same as the insured; If someone else insures a vehicle that is not their own, the policyholder is not the same as the insured.

Both of these situations are allowed by the insurance company. The inconsistency between the policyholder and the insured will have two effects: on the one hand, the insured does not have the obligation to pay the insurance premium, which is borne by the policyholder, that is, whoever insures the insurance pays the insurance premium; On the other hand, when a part of the vehicle is damaged, the policyholder can claim compensation from the insurance company.

In the event of a total loss of the vehicle (such as theft of the vehicle, scrapping of the vehicle in a collision, etc.), the insured must claim compensation from the insurance company, and the policyholder does not have this right. In the case that the policyholder and the insured are the same, there is no distinction between the above two aspects. Article 12 of the Insurance Law of the People's Republic of China The policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract.

The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event. Life insurance is insurance that takes a person's life and body as the subject of insurance. Property insurance is insurance that takes property and its related interests as the subject matter of insurance.

The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured. Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

Summary. Hello, happy to answer your <>

What is the difference between the policyholder and the insured who buy insurance are the same person; The policyholder is the one who pays the money, the policyholder and the insured can be the same person, and the policyholder and the beneficiary can also be the same person, that is, they pay for themselves to buy insurance. The insured is the protected person, and the beneficiary is the recipient of the insured money after the death of the insured. This can only happen if the insured dies.

What is the difference between the policyholder and the insured who buy insurance are the same person?

Hello, happy to answer your <>

What is the difference between the policyholder who buys insurance and the insured who are the same person; The policyholder is the person who pays the money, the policyholder and the insured can be the same person, and the policyholder and the beneficiary can also be the same person, that is, they pay for themselves to buy insurance. The insured is the protected person, and the beneficiary is the recipient of the insured money after the death of the insured. This can only happen if the insured dies.

When the policyholder and the insured are not the same person, the beneficiary can be the policyholder, but when the policyholder and the insured are the same person, the beneficiary can not be the policyholder. Generally speaking, when a claim occurs for medical reimbursement or critical illness, the insured is the beneficiary, the insured, and the person who is protected. That is to say, according to the insurance contract, its property interests or personal life are protected by the insurance contract, and after the occurrence of the insured event, the beneficiary who has the right to claim the insurance money is divided into the beneficiary of the survivorship and the beneficiary of death.

The surviving beneficiary is the person who can receive the money when he is alive, generally the policyholder or the insured death beneficiary, that is, the designated spouse, children's parents, and after the person leaves, the money is given to the person who sells the locust, and the insured and the insured can be the same person.