What is the popular definition of policyholder, insured and beneficiary?

According to the Insurance Law of the People's Republic of China, an insured person refers to a 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 insured person can be a natural person or a legal person. The amended Insurance Law stipulates that when concluding an insurance contract, the insurer shall explain the terms and conditions of the insurance contract to the policyholder, and may make inquiries about the subject matter of the insurance or the relevant circumstances of the insured, and the policyholder shall truthfully inform the policyholder.

If the policyholder deliberately conceals the facts, fails to perform the obligation of truthful disclosure, or fails to perform the obligation of truthful disclosure due to negligence, which is sufficient to affect the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the insurance contract. The conditions for becoming an insured are: having the corresponding capacity for civil rights and conduct, and having an insurable interest in the subject matter of insurance.

The policyholder is the person who pays the premium for the insurance. The insured is the subject for which the insurance company is responsible. The beneficiary is the beneficiary who cannot receive the insurance money after the insured is out of insurance.

How many people will be in the insurance contract? Insurers, policyholders, insureds, beneficiaries, do you know?

The policyholder is the person who pays for the insurance, the insured is the person who buys the insurance for whom, and the beneficiary is the person who gets compensation for the accident, for example, A pays for the insurance that B buys, and the contract stipulates that if B dies unexpectedly, the compensation will be given to C, then A is the policyholder, B is the insured, and C is the beneficiary.

The policyholder, also known as the policyholder, refers to the person who has entered into an insurance contract with the insurance company and has the obligation to pay the insurance premium in accordance with the insurance contract.

The insured refers to the person who has the right to claim the insurance money after the occurrence of the insured event according to the insurance contract, whose property interests or personal life are protected by the insurance contract. The policyholder is often the insured at the same time.

The beneficiary refers to the person designated by the insured or the policyholder to have the right to claim insurance money in the life insurance contract, and the policyholder or the insured can be the beneficiary at the same time. When the policyholder, the insured and the beneficiary are not the same person, the policyholder's designation of the beneficiary must be agreed by the insured, and the consent of the insured must also be obtained when the policyholder changes the beneficiary. In the case of the designation of a beneficiary, it is actually the insured who transfers the right to claim the insurance money to the beneficiary.

The difference between insurer, insured, beneficiary, and policyholder.

The insurer is the insurance company, also known as the underwriter, and the policyholder is the person who buys insurance and pays premiums. The insured is a subject person, and this person is the subject matter. For example, his life, his health, or something else that is insured as a subject.

1. 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 you are killed by a stupid insurance person.

2. The insured, let the trace is the person who is protected. That is to say, according to the insurance contract, the property interests or personal rights of the person are protected by the insurance contract, and after the occurrence of the insured event, the person has the right to claim the insurance money.

3. Beneficiaries are divided into living beneficiaries and deceased beneficiaries. 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, parents of children, after the person is gone, the person to whom the money is given can be the same person as the insured and the insured.

1.The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the insurance contract. The insured person can be a natural person or a legal person.

2.The insured refers to the person who, according to the insurance contract, has the right to claim the insurance money after the occurrence of the accident of the insurance and whose property interests or personal life are protected by the insurance contract. The policyholder is often the insured at the same time.

3.Insurance beneficiary, also known as "insurance beneficiary", refers to the person designated by the insured or the policyholder to enjoy the right to claim insurance money in accordance with the insurance contract when the occurrence of the insurance accident or the expiration of the agreed insurance period.

The insurer, the insured, the policyholder, and the beneficiary are distinguished as follows:

1. Different definitions:

An insurer is an enterprise that collects insurance premiums from policyholders and undertakes to compensate for losses or pay insurance money when an insured event occurs or when the contract expires, that is, an insurance company.

The insured refers to the person who, according to the insurance contract, is protected by the insurance contract and has the right to claim the insurance money after the occurrence of the insured event. The insured may or may not be the policyholder himself/herself.

The policyholder, also known as the policyholder, refers to the person who has entered into an insurance contract with the insurance company and has the obligation to pay the insurance premium in accordance with the contract. The insured person can be a legal person or a natural person.

A beneficiary is a person named by the insured or the policyholder in the life insurance contract and entitled to receive the insurance benefits after the death of the insured. The policyholder or the insured can also be the beneficiary, and if the policyholder or the insured does not designate a beneficiary, then the legal heir is the beneficiary.

2. Individuals are different: the insurer refers to the insurance company, and the insured, the policyholder, and the beneficiary are individuals.

3. The recipient is different from the grantee: the insurer is the implementer of the insurance and bears the compensation for losses or the payment of insurance money; The insured, the policyholder, and the beneficiary are the recipients.