To whom does the policyholder have an insurable interest?

Insurance interest refers to the legal or de facto interest of the policyholder in the subject matter of insurance.

The establishment of an insurance contract is premised on the policyholder's insurance interest. The insurance interest in the property is the economic interest enjoyed by the policyholder in the insured property at the time of the occurrence of the insured event.

The personal insurance interest refers to the legal and actual economic interest in the life, health or safety of the insured based on the relationship between the insured and the insured in bloodline, marriage, or debt and other relationships at the time of the conclusion of the insurance contract. Life insurance benefits must be available at the time of the conclusion of the contract, but if they are extinguished at the time of the occurrence of the insured event, they usually do not affect the rights and interests of the policyholder, and because life insurance is also a savings interest, this interest should not be deprived.

If the policyholder has no insurance interest in the subject matter of the insurance, the insurance contract is invalid. This principle prevents moral hazard from occurring, avoids turning insurance into a bribery nature, and can be used as a maximum amount of compensation if the value of the insurance benefit is determined.

According to Article 31 of the Insurance Law, the policyholder has an insurance interest in the following persons:

1) Personally; 2) Spouse, children, parents;

3) Other family members and close relatives who have a relationship of support, support, or support with the insured other than those mentioned in the preceding paragraph.

4) Workers who have an employment relationship with the insured.

In addition to the provisions of the preceding paragraph, if the insured agrees to the policyholder to conclude a contract for him, the policyholder shall be deemed to have an insurance interest in the insured.

If the policyholder does not have an insurance interest in the insured at the time of the conclusion of the contract, the contract shall be invalid.

Legal Analysis: The policyholder has an insurance interest in the following persons: (1) himself; (2) Spouses, children, and parents; (3) Other family members and close relatives who have a relationship of support, support or support with the insured other than those mentioned in the preceding paragraph; (4) Workers who have a labor relationship with the insured.

Legal basis: Insurance Law of the People's Republic of China Article 18 The insurance contract shall include the following matters:

1) the name and domicile of the insurer;

2) The name and address of the policyholder and the insured, as well as the name and address of the beneficiary of the life insurance;

3) the subject matter of insurance;

4) Insurance liability and liability exemption;

5) the insurance period and the time when the insurance liability begins;

6) the amount of insurance;

7) Insurance premiums and payment methods;

8) Methods of compensation or payment of insurance money;

9) Liability for breach of contract and dispute resolution;

10) The year, month and day on which the contract was concluded.

The policyholder and the insurer may agree on other matters related to insurance.

The beneficiary refers to the person designated by the insured or the policyholder in the life insurance contract to have the right to claim the insurance money. The policyholder and the insured can be the beneficiary.

The insured amount refers to the maximum amount of the insurer's liability to compensate or pay the insurance money.

1. To whom the policyholder has an insurance interest.

1. The policyholder has an insurance interest officer for the following persons:

1) Personally; 2) Spouse, children, parents;

3) Other family members and close relatives who have a relationship of support, support or support with the policyholder;

4) Workers who have an employment relationship with the insured.

2. Legal basis: Article 27 of the Insurance Law of the People's Republic of China.

If the insured or beneficiary falsely claims that an insured accident has occurred and requests compensation or payment of insurance money to the insurer, the insurer has the right to terminate the contract and not refund the insurance premium.

If the policyholder or the insured intentionally causes an insured accident, the insurer has the right to terminate the contract and shall not be liable for compensation or payment of insurance money; Except as provided for in Article 43 of this Law, insurance premiums shall not be refunded.

If, after the occurrence of an insured event, the policyholder, the insured or the beneficiary fabricates a false cause of the accident or exaggerates the extent of the loss by means of forged or altered relevant certificates, materials or other evidence, the insurer shall not be liable for compensation or payment of insurance money for the part falsely stated.

Where the policyholder, the insured, or the beneficiary commits any of the acts provided for in the preceding three paragraphs, causing the insurer to pay insurance money or expenses, it shall be refunded or compensated.

2. What are the benefits enjoyed by the policyholder?

The benefits enjoyed by the policyholder are as follows:

1. The policyholder enters into an insurance contract with the insurance company and pays the insurance premium;

2. If the insured is the same person and the annuity insurance product is insured, you can receive both survival and dividends, and the insurance is a health type of product, and there is also the protection of sickness money;

3. If the insured is not the same person, the dividends, the income of the universal account and the cash value of the surrender of the policy belong to the policyholder.