As the insured, can I apply for a change of policyholder?

Under normal circumstances, if the policyholder needs to change for some reason, he can apply for a change, but the application for change is made by the policyholder. When going to the insurance company to change the policyholder, you need to pay attention to the following points:

1. When the policyholder is changed, it is recommended that the original policyholder, the new policyholder, and the insured can go to the insurance company on the spot, and some information documents need to be signed by the three parties.

2. Proof of the relationship between the new policyholder and the insured. The Insurance Law stipulates that the insured has an insurance interest in himself, his spouse, children, parents, and other members of the family or close relatives who have dependencies or support with the insured for the following persons.

3. Prepare the relevant materials and submit them to the insurance company, which will review them. If it is an agent, it is necessary to provide the original identity certificate of the agent, a copy of the identity certificate of the new policyholder, a power of attorney, a health notice, etc., and the original policyholder generally does not accept the entrustment. It is worth noting that if the reason for the change is the death of the policyholder, it is also necessary to provide the death certificate of the policyholder, and the legal heirs of the original policyholder shall entrust one of the representatives in writing to apply for the change of policyholder, and the new policyholder must have an insurance interest in the insured.

If you need to change the policyholder, it is recommended to consult the insurance company in detail to avoid running in vain due to incomplete information or other reasons.

What is the impact of a change in policyholder on the policy.

In fact, the change of the policyholder has no impact on the protection of the insurance product, no matter how many times the change is made, the insured should have the protection. However, it should be noted that the change of policyholder will have the following effects:

1. It needs to be re-examined.

Because the rights and obligations of the policy will also be transferred after the policyholder changes, the insurance company will review the new policyholder, and the review process will be stricter. If there is a policyholder waiver attached to the policy, then a medical report may also be required.

2. Troublesome procedures.

Although it is possible to change the policyholder, and the impact on the policy is not large, the procedure for changing the policy is very troublesome. The first requirement for the first time is to go to the insurance company in person, requiring the original policyholder and the new policyholder to go together, and cannot be replaced by others. However, different companies have different requirements, and some insurance companies also support handling in the app in order to help customers reduce trouble, which requires looking at the insurance company.

Of course, if the policyholder dies, the insured can also go through the change of policyholder, as long as he brings the insured's ID card, household registration book, and the policyholder's death certificate.

The policyholder can apply for a change, and under normal circumstances, it is proposed by the policyholder, and the specific operation is subject to the regulations of the insurance company.

If you need to purchase insurance, it is recommended that you contact Ping An Insurance Company for professional consultation, Ping An Life: 95511-1, Ping An Property Insurance: 95511-5, Ping An Pension Group: 95511-6.

Legal analysis: The policyholder and the insured can be the same person or different people, and in the insurance industry, the policyholder specifically refers to the person who pays the premium for the insurance contract. According to the relevant laws of the insurance industry, the insurance policyholder can be changed, but the written consent of the insured must be obtained.

Under normal circumstances, the change of policyholder is usually to change the policyholder to the insured himself or his parents, spouse, children and other immediate family members who are related by blood, so as to obtain the relevant rights and perform the relevant obligations of the policyholder. However, it should be noted that some insurance contract terms clearly stipulate that the policyholder cannot change it, but it cannot be changed, otherwise the policyholder needs to choose a new renewal payment method.

Legal basis: Insurance Law of the People's Republic of China Article 22 After the occurrence of an insured event, when the insurer is requested to compensate or pay insurance money in accordance with the insurance contract, the policyholder, the insured or the beneficiary shall provide the insurer with the certificates and materials that it can provide to confirm the nature, cause and extent of loss of the insured accident. If the insurer finds that the relevant certificates and materials are incomplete in accordance with the provisions of the contract, it shall promptly notify the policyholder, the insured or the beneficiary to provide supplementary information in a one-time manner.

1. The policyholder can be changed, but the written consent of the insured must be obtained.

2. The signature of the policyholder is required when correcting the relevant information of the policyholder;

3. The change of the policyholder shall be signed and agreed by the insured (or its legal guardian), the original policyholder, and the policyholder after the change, if the original policyholder is unable to sign due to death, disappearance or other special reasons, relevant certificates (death certificate or public security bureau certificate or court judgment) shall be provided.

4. For the type of insurance with the responsibility of the policyholder, the "Health Notice" must be filled in and reviewed by the company when changing the policyholder;

5. For the change of contact, charging address, zip code, and work unit, you can apply through the ** center, and there is no need to fill in the application form for preservation work.

6. When changing the policyholder, the relevant information of the new policyholder should be provided at the same time, including name, gender, ID number, relationship with the insured, and opening bank.

account number, account name, billing address, etc., and explain the reason for the change;

7. If the name of the policyholder is changed and the policy is paid by bank transfer, the new bank and account name should be provided.

Additional Information:1The so-called policyholder, also known as 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 is one of the subjects of the insurance contract. The policyholder and the insurer are collectively referred to as the parties to the insurance contract.

2.The policyholder is one of the indispensable parties to any insurance contract, and it can be both a natural person and a legal person. The policyholder shall meet the following three conditions:

First, the policyholder must have the corresponding legal capacity and capacity for conduct.

Otherwise, the insurance contract concluded shall not be legally valid;

Second, the policyholder must have an insurable interest in the subject matter of the insurance.

That is, it has a legally recognized interest in the subject matter of insurance, otherwise the policyholder cannot enter into an insurance contract with the insurer, and if the insurer unknowingly signs an insurance contract with the policyholder who does not have an insurance interest, the insurance contract is invalid;

Third, the policyholder shall bear the obligation to pay the insurance premium, regardless of whether the policyholder enters into an insurance contract for his own benefit or for the benefit of others, he shall bear the obligation to pay the insurance premium.

It is possible to change the policyholder of the insurance. After obtaining the written consent of the insured, you can choose to change the policyholder to the insured or his/her parents, spouse or children to exercise the relevant rights of the policyholder. At the same time, please note that if the terms stipulate that the policyholder cannot be changed, it cannot be handled, and you need to choose the renewal payment method again after changing the policyholder.

Extended Information:1In the insurance contract, the policyholder refers to the insured who has an insurable interest in the insured.

A person who has entered into an insurance contract with an insurance company and has an obligation to pay insurance premiums in accordance with the insurance contract. To put it simply, the policyholder is the person who bears the obligation to pay the insurance premium.

2.The insured means that his body or life is protected by the insurance contract, and when the insured event occurs, he has the right to claim the insurance money.

of people. He is the subject of the insurance contract and the object of protection of the insurance company. For "who" to buy insurance, "who" should be filled in the "insured" column.

3.In the clauses, there is also a special kind of person – the beneficiary. It refers to the person who has the right to claim insurance money when the insured or the policyholder agrees in the life insurance contract that the insured event occurs.

In the case of death, the beneficiary is the designated heir. Many policyholders are troublesome and do not fill in the "beneficiary" column on the insurance policy when buying insurance, so in case of an insurance accident, the legal heirs of the insured will be recognized by the insurance company as the direct beneficiary and have the right to inherit the compensation. According to international practice, legal heirs must pay a certain percentage of inheritance tax.

Fortunately, this tax has not yet been levied in our country, otherwise due to the "troublesomeness" of the policyholder, the heir will be asked to pay an extra tax that could have been saved in vain.

4.The policyholder, the insured and the beneficiary can be the same person: for example, the policyholder insures himself of pension insurance.

Pay your own premiums, and when you retire, you receive your own pension.

They can also belong to two or three people: for example, the father takes out term life insurance for himself as the insured.

and set the child as the beneficiary; Or the husband buys insurance for his wife and designates the child as the beneficiary.

The insurance contract contains the policyholder, the insured, and the beneficiary. The policyholder is the person who pays the money, this person can be changed, but there are certain requirements, the policyholder must have some reason, such as death, etc., you can apply to the insurance company, meet the change requirements, you can change. In addition, the policyholder must have an immediate family relationship with the insured.

The insured cannot be changed or changed, and at the time of the conclusion of the contract, whoever becomes the insured must always be the insured and cannot be changed. Beneficiaries can also be changed and changed. In short, the insured cannot be changed, and the policyholder can be changed if he meets certain requirements.

Extended Materials. 1. Insurers, also known as insurers, refer to organizations and legal persons engaged in insurance business. It refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money.

Also known as "underwriter". According to the current law, insurers need to be incorporated in accordance with the law, and their operations are limited to a certain geographical area and business scope. Cross-regional operation or over-scope operation.

will lead to the reduction of the effectiveness of the insurance contract. The "underground insurance policies" and "hollow insurance policies" that appear in some places are the phenomena of insurers not engaging in business in accordance with the law. The strength of insurance is large and small, and the operation is good or bad; So don't assume that the insurer won't go bankrupt.

Of course, most of the business in the market is not the insurer itself, but all kinds of insurance companies or insurer marketing personnel under the banner of the insurance company. Do not sign an insurance contract without ascertaining the identity and strength of the insurer and the credibility of the market.

2. Policyholder: A person who has signed an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract. The policyholder is a party to the insurance contract.

To determine that a person is the policyholder of an insurance contract, two elements should be considered: (1) the formal element A party to the insurance contract relationship. If you enter into an insurance contract with the insurer in your own name, or because of some legal fact.

Replace the original policyholder and join the established legal relationship of the insurance contract. (2) Substantive Requirements: Bear the obligation to pay insurance premiums. If the policyholder lacks a certain element and is not in the full sense, its contractual rights will be subject to certain restrictions.

Policyholders in Taiwan "Insurance Law.

is called the insured person, and some literature is called the insured applicant. In fact, from a literal point of view, the policyholder should be the official title after the contract is concluded; Before the contract is concluded, it is appropriate to claim that the applicant, the applicant or the prospective applicant is appropriate.