For the policyholder s voluntariness, it is mainly reflected in what place

The policyholder is free to decide whether to insure, to whom to insure, to surrender the policy, etc., and can also freely choose the insurance amount, coverage, degree of protection and insurance period. The insurer can also voluntarily decide whether to underwrite and how to underwrite according to the circumstances.

In accordance with Article 16 of the Insurance Law of the People's Republic of China, if an insurance contract is concluded and the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured, the policyholder shall truthfully inform the policyholder. If the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification as provided for in the preceding paragraph, which is sufficient to influence the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the contract.

From a legal point of view, insurance is a business activity in the form of a contract. The so-called contract, also known as a contract, is an agreement between the parties to an equal subject to establish, modify and terminate the relationship of rights and obligations by the unanimous expression of the intention of two or more parties in order to achieve a certain purpose. The party in question is the person who determines the rights and obligations at the time of the conclusion of the contract.

An insurance contract refers to an agreement between the parties to the insurance to establish, modify and terminate the relationship of rights and obligations in order to achieve the purpose of economic security of insurance. The rights and obligations of both parties to the insurance contract are: one party collects the insurance premium of the other party according to the agreement, and bears the obligation to compensate or pay the insurance money when the agreed accident occurs and causes losses or the agreed period expires.

In an insurance relationship, the policyholder and the insurer are the people who directly sign the insurance contract and are the parties to the insurance contract.

From a legal point of view, insurance is a business activity in the form of a contract.

Gao Yuwen Insurance.

As a special civil and commercial contract, in addition to the general characteristics of the contract, the insurance contract also has the following unique characteristics.

1) The insurance contract is a paid contract.

A paid contract is a contract in which a certain consideration must be paid because of the enjoyment of certain rights. The so-called consideration means that the acquisition of rights by either party in the contract shall pay the corresponding consideration recognized by the other party. The compensatory nature of the insurance contract is mainly reflected in the fact that the policyholder must pay the corresponding consideration, that is, the insurance premium, in order to obtain insurance protection; When the insurer collects the insurance premium, it must bear the responsibility of insurance protection.

Voluntary unemployment insurance does not pay compensation, but involuntary unemployment insurance does. The highest compensation is provided by medical insurance, and the cumulative reimbursement amount after enrollment will not be calculated.

Since each company's policy is different, it is recommended to call the insurance company** directly for consultation.

Hello, dear, refers to the parties to the insurance legal relationship, that is, the policyholder, the insurer, the insured, and the beneficiary have the right to establish, change or terminate the insurance legal relationship according to their own wishes, without the interference of others; The policyholder has the right to choose the insurer and the type of insurance, the scope of insurance, and the responsibilities. Article 4 of China's Insurance Law clearly stipulates that insurance activities must comply with laws and administrative regulations, respect social ethics and follow the principle of voluntariness.

Answer]: a, b, c, e

Voluntary insurance is an insurance relationship established by the policyholder and the insurer on an equal and voluntary basis through the conclusion of an insurance contract or voluntary combination. The policyholder decides whether to participate in the insurance independently, and freely chooses the insurer, the type of insurance, the amount and the insurance period of the insurance, etc., and Jingdan can also surrender the insurance halfway; The insurer can also decide whether to underwrite, how much to cover, etc.

Answer]: Voluntary insurance refers to the establishment of an insurance relationship between the insured and the insurer on the basis of equality and voluntariness through the conclusion of an insurance contract or voluntary combination. The policyholder independently decides whether to participate in the insurance and chooses the insurer, the type of insurance, the amount of insurance and the term of insurance, etc., and can also surrender the insurance in the middle of the policy. The insurer can also decide whether to underwrite, how much to cover, etc.

The policyholder, also known as the policyholder, refers to the person who applies for insurance from the insurance company, signs an insurance contract with the insurance company and is responsible for paying the insurance premium. The insured person can be a legal person or a natural person.

There are three qualifications that an applicant must have:

Have full capacity for conduct. When a natural person acts as an insured, he must be 18 years old, or 16 or 18 years old who lives mainly on his or her own labor income, and has normal intelligence and can carry out activities rationally.

Have an insurable interest in the subject matter of the insurance. That is, the policyholder needs to have an economic interest in the continued survival, death or disability of the insured.

Have the ability to pay insurance premiums.

3.Who can a policyholder take out life insurance?

The policyholder has an insurable interest in the following persons and can take out life insurance for them:

Myself. Spouse, parents, children.

Other family members and close relatives who have a relationship of support, support or support with the insured person other than those mentioned in the preceding paragraph. For example, grandparents who have the financial ability to apply for insurance can apply for insurance for their minor grandchildren, granddaughters, grandchildren, and granddaughters whose parents have died; If both parents are deceased, the brother or sister who has the financial ability has the obligation to support the minor brother or sister, which is regarded as having insurable interests and can be insured by the chain.

Other persons for whom the insured agrees that the policyholder is insured, such as the employer as an employee, etc.

When the policyholder takes out insurance for another person, the consent of the insured person must be obtained. In addition, the insured shall not take out life insurance for persons with no capacity for civil conduct (including minors under the age of 10 and persons with abnormal intelligence) with death as a condition for the payment of insurance benefits, except for those whose parents are insured for minor children.

The insured person must have an insurable interest in the insured.

It is possible that the policyholder and beneficiary may not have an insurable interest.

The Insurance Law stipulates that the insured must be blind to the insured and have an insurance interest, otherwise the contract will be invalid from the beginning, and the beneficiary of the insured and the policyholder may not have an insurance interest.

Answer]: b, c, d, e

According to the provisions of China's "Insurance Law", the insured person has the interest of insurance for the following persons: I; spouse, children, parents; Other family members and close relatives who have a relationship of support, support or support with the insured person other than those mentioned in the preceding paragraph; Workers who have an employment relationship with the insured person. In addition, the policyholder may constitute an insurable interest in the debtor to the extent of the debtor's claim.