I bought an insurance policy and now I want to change the name of the insured, is it okay?

The content that can be adjusted for the change of the insured's important information related to the customer's identity or rate changes, including: name, gender, date of birth, certificate type, and certificate number.

1. Applicant for qualification: The applicant for qualification is the policyholder himself, and the consent of the insured is required.

3. Location: Business outlets of insurance companies.

Fourth, the customer should prepare documents:

1. The original insurance contract.

2. Application for Preservation of Personal Insurance Contract of China Life Insurance - Non-payment Category.

3. The original or copy of the policyholder's valid identity document and the insured's valid identity document.

4. If the customer's name, gender and birthday are changed at the same time, the original certificate of change issued by the household registration department needs to be provided.

5. If it involves collection and payment, if it is returned to a non-original payment account, the original passbook of the personal bank account with the name of the policyholder as the account name must also be provided.

Change of basic information of the insured.

1. Introduction to the preservation project.

The content that can be adjusted for the change of the insured's basic information is the basic information of the insured that does not involve the change of customer identity or rate, including: education, height, weight, mailing address, work unit, school, position, mobile **, office**, family**, e-mail, nationality, marital status and other information.

2. Basic handling requirements.

1. Applicant qualifier: The applicant is the policyholder himself, but the consent of the insured is required.

3. Documents to be prepared.

1. The original insurance contract.

2. Application for Preservation of Personal Insurance Contract of China Life Insurance - Non-payment Category.

3. The original or photocopy of the valid identity document of the insured and the insured.

4. Other relevant materials required by the company.

Huaxia Insurance - Change of important information of the insured.

Huaxia Insurance - Change of basic information of the insured.

In a life insurance contract, the policyholder, the insured and the beneficiary belong to different concepts. The insured person refers to the person whose body or life is protected by the insurance contract and has the right to claim the insurance money when the insured event occurs. 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. Therefore, in view of the special status of the insured in the contract, there is no room for change when the insurance contract officially takes effect.

Therefore, we would like to remind you that you cannot change the name of the insured after the insurance contract is concluded, unless you surrender the policy and re-apply for the insurance.

Changing the rough name of the travel draft can allow the salesman to make a preservation change to the information of the insured, or you can go to the insurance company's counter to handle the respect.

Precautions for insurance changes: Generally speaking, there are two situations in which the insurance information needs to be modified, one is the death of the beneficiary. After the beneficiary passes away due to an unforeseen accident, the beneficiary of the insurance naturally needs to change to another beneficiary, otherwise the meaning of the policy will be lost.

The second situation is that the original relationship of rights and obligations has changed, which is also called the transfer of creditor's rights. This includes divorce of husband and wife, separation of adoptive parents and children from the relationship of custody, and so on. Insurance is also considered to be the joint property of the husband and wife.

When the husband and wife no longer share the premiums and no longer enjoy the insurance rights jointly after the divorce, it is necessary to modify the insurance information.

Although changes to information are infrequent, the process is not complicated and there are no fees. The specific process of information change is as follows: the policyholder and the insured jointly sign and confirm the "Application for Change of Insurance Contract Content".

If the policyholder has passed away, it can be handled by the legal heirs. In addition, you can also delegate the town to another person for authorization. If you have any questions, you can call your insurance company** for a detailed answer.

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Whether the insured of the insurance can be changed depends on whether it belongs to individual insurance or group insurance, if it is an individual insurance, then the insured cannot be changed, but the policyholder and the beneficiary can be changed; If it is a group insurance, such as anonymous group health insurance, then the insured can be changed, because some units have high mobility, so the policyholder (unit group) will agree with the insurance company to replace the insured.

Extended Materials. 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 insured accident and whose property interests or personal life are protected by the insurance contract. The policyholder is often the insured at the same time.

Decide whether the insurance contract is valid or not.

In a life insurance contract, a contract with death as a condition for the payment of insurance benefits and its insured amount shall be invalid without the written consent and approval of the insured.

Designation or change of beneficiary.

In a life insurance contract, the insured has the right to designate or change the beneficiary, and the policyholder must obtain the consent of the insured in advance to designate or change the beneficiary.

In some cases, the insured person has the right to benefit from the insurance money. If the insured dies according to the Insurance Law, as long as one of the following circumstances exists, the insurance money shall be regarded as the insured's estate, and the insurance company shall fulfill the obligation to pay to the insured's heirs: the insured has not designated a beneficiary; the beneficiary dies before the insured and no other beneficiary is designated; The beneficiary loses or renounces the beneficiary right in accordance with the law, and there is no other beneficiary.

The insured must meet the following conditions:

1. Its property or life is protected by the insurance contract.

2. Have the right to claim compensation.

In order to protect the interests of the insured, the "Insurance Law" clearly stipulates:

1) When the policyholder is not the insured, the policyholder must obtain the consent of the insured to designate or change the beneficiary. (2) In the insurance contract with death as the condition for the payment of insurance money, the policyholder must obtain the consent of the insured for the type of insurance and the amount of insurance, and the transfer and pledge of the insurance contract must also be agreed by the insured, otherwise the insurance contract is invalid, and the transfer and pledge of the contract are also invalid.

However, if the parents take out insurance for their minor children, this restriction is not applicable, but the total amount of death benefit insurance shall not exceed the limit prescribed by the financial regulatory authority.

Legal Analysis: These two have already settled down at the time of signing the contract. However, the policyholder and beneficiary can change it with the authorization of the policyholder, because the policy is the personal property of the policyholder, and the policyholder can go to the insurance company's customer service center with his valid certificate, the valid certificate of the transferee and the identity relationship certificate.

The legal basis is poor

Social Insurance Law of the People's Republic of China

Article 54 Where an employer has already paid maternity insurance premiums, its employees who are sensitive to maternity insurance shall enjoy maternity insurance benefits; The unemployed spouse of an employee shall be entitled to maternity medical expenses in accordance with the provisions of the state. The required funds are paid out of maternity insurance**. Maternity insurance benefits include maternity medical expenses and maternity allowances.

Article 56: In any of the following circumstances, employees may enjoy maternity allowances in accordance with state provisions: (1) Female employees are entitled to maternity leave for childbirth; (2) Enjoy leave for family planning surgery; (3) Other circumstances provided for by laws and regulations. The maternity allowance shall be calculated and paid according to the average monthly salary of the employee in the previous year.