Ping An Accident Insurance policyholder and the insured are not the same person, can the insured mak

Yes, the primary insured is limited to 1 person, and must be a driver and the same person as the policyholder.

You can surrender the policy yourself, but you need to bring the ID of two people and the insurance policy. The policyholder is the person who buys the insurance, the policyholder can buy insurance for himself, and you can also buy insurance for others. For example, if our family members are not willing to buy some insurance, we can buy it for them, as long as the name of the insured person is our family.

This also happens when we are in a relationship. If you buy insurance for your girlfriend, or if two people buy some insurance together, the policyholder and the insured are not the same person, and when they are separated, the policyholder will go to surrender the policy. Because if the insurance is not refunded, you need to pay money to renew the insurance every year, but the object of the insurance is not yourself, and you are unwilling to do such a loss-making transaction on anyone.

However, those of us who have gone to surrender the insurance will find that it is easy to buy it and difficult to return it. Because the insurer will always introduce you to good products, tell you not to return, or change the product, or write the name of the insured as their own. At this time, we reflect that life is not easy, resulting in many people now more afraid of their good friends engaged in the insurance industry, because they will always recommend insurance to you, when you want to buy insurance, you don't buy it from him and feel embarrassed, really buy insurance from them, feel inappropriate and embarrassed to return.

Personally, I feel that the insurance industry is more competitive. If you want to engage in insurance, you still need to know a lot of knowledge, at least you need to choose the right insurance for customers according to their needs. She even has to answer the customer's questions, such as what kind of protection the customer can bring to her with this insurance, which must be answered fluently.

Therefore, many insurance companies now organize regular training for them to increase their knowledge reserves, although many people feel that this is not necessary. But I think that if you participate every time, you must be a good insurer.

No, because the surrender requires the signature of both the policyholder and the surrenderer, as well as the original ID cards of both parties.

Of course, the policyholder can surrender the policy by himself, after all, this is not in accordance with the law and should be reported.

In fact, the policyholder cannot return the insurance by himself, because it is related to himself.

No, you cannot. In China's insurance law, there are clear provisions that the policyholder only has insurance interests for the following persons: himself; spouse, children, parents; 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.

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.

Legal basis:

Article 31 of the Insurance Law: The insured has an insurance interest in the following persons: (1) himself/herself; (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.

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.

No. According to Article 1 of the Insurance Law, the policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract. According to Article 1 of the Insurance Law, the policyholder has an insurance interest in the following persons:

Myself; 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 item 1, as well as workers who have an employment relationship with the insured person. In addition to the preceding four circumstances, if the insured agrees to the policyholder to conclude an insurance contract for him, the policyholder shall be deemed to have an insurance interest in the insured.

Summary. Hello dear! <>

If the policyholder and the insured are not the same person, then the claim is paid to the beneficiary, and the policyholder is the policyholder, that is, the person who enters into the insurance contract and has the obligation to pay the insurance premium. The beneficiary is the person who has the right to claim compensation. If the policyholder and the insured are not the same person, the beneficiary can be the policyholder, but if the policyholder and the insured are the same person, then the beneficiary cannot be the policyholder.

Generally speaking, when a claim occurs for medical reimbursement or critical illness, the insured is the beneficiary.

If the policyholder and the insured are not the same person, then the benefit is given to the insured or the beneficiary.

Hello dear! <>

If the policyholder and the insured are not the same person, then the claim is paid to the beneficiary, and the policyholder is the policyholder, that is, the person who enters into the insurance contract and has the obligation to pay the insurance premium. The beneficiary is the person who has the right to claim compensation. If the policyholder and the insured are not the same person, the beneficiary can be the policyholder, but if the policyholder and the insured are the same person, then the beneficiary cannot be the policyholder.

Generally speaking, when a claim occurs for medical reimbursement or critical illness, the insured is the beneficiary.

Whether the policyholder and the beneficiary of the insurance can be the same depends on the actual situation: if the policyholder and the insured are the same, the policyholder and the beneficiary of the survival insurance can be the same, but the beneficiary of the death insurance benefit cannot be the policyholder, because the beneficiary of the death insurance benefit cannot be the insured; If the policyholder and the insured are not the same, the policyholder and the beneficiary can be the same, regardless of the beneficiary of the survival benefit and the beneficiary of the death benefit.

Summary. If the policyholder has a universal account when purchasing insurance, he can flexibly invest funds, which can be his own money or the income of annuity insurance. The universal account is simply a financial account, and most policyholders prefer the universal account to be hypocritical in order to achieve wealth appreciation.

Universal accounts can generally be added without restrictions, but different annuity insurance wealth management accounts will be charged with relevant fees, which will also be clearly stated in the contract. The ownership of the universal account attached to the annuity insurance belongs to the policyholder, and if the returned annuity enters the universal account for secondary interest, then the money and its interest will belong to the policyholder just like the universal account.

The insured and the policyholder are the same person, and if they die, does the universal account still exist?

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Hello, in the case that the policyholder and the insured are the same person, the contract of the policyholder will be terminated. If the policy does not specify a specific beneficiary, then the policy will be given to the heirs of Danming Fa Socks Changding as the policyholder's inheritance.

If the policyholder has a universal account when purchasing insurance, he can flexibly invest funds, which can be his own money or the income of annuity insurance. The universal account is simply a financial account, and most investors prefer the Wansheng hood account to be hypocritical and noisy in order to achieve wealth appreciation. Universal accounts can generally be added without restrictions, but different annuity insurance wealth management accounts will be charged with relevant fees, which will also be clearly stated in the contract.

The ownership of the universal account attached to the annuity insurance belongs to the policyholder, and if the returned annuity enters the universal account for secondary interest, then the money and its interest will belong to the policyholder just like the universal account.

Arnold answered

Hello! In the health insurance contract, the policyholder.

The DAO and the insured may not be the same person, but the policyholder must be insured for the insured, and the existence of insurance interests must be the premise.

Generally speaking, it is more common to purchase health insurance for your own body, that is, the policyholder, the insured, and the beneficiary are the same person. In health insurance, the inconsistency between the policyholder and the insured is common in the following situations:

1.Parents insure their minor children. Children are minors and cannot afford it, so they can only be insured by their parents, such as student medical insurance while they are in school.

In this way, the parents are the policyholders, the children are the insured, and the beneficiaries can be the parents or the children themselves; If there is a liability for death, the beneficiary is designated by the insured.

2.Insure family members and close relatives who do not have financial **. Health insurance for family members and close relatives who have the obligation to support, support and care for them is a good way to effectively alleviate the family's financial difficulties caused by illness and arrange financial expenditures reasonably, such as children taking out insurance for their elderly parents, their wives for insurance, and so on.

If there is a liability for death, the beneficiary is designated by the insured.

3.Group units insure employees. Health insurance for employees is an important part of the employee benefit plan.

In group health insurance, the policyholder is a corporate body, and the insured is a member of the group, so the cost is reduced and the cost is reduced through centralized purchase.

What are Insured and Policyholder?

The policyholder Bai is the one who pays the money.

The insured is the person who has the accident, and the beneficiary is the person who receives the money. In this case, the three persons must be directly related to each other, such as parents, spouses, children, or legally recognized dependents.

Most of the products can be bought for themselves, their children or their parents, while some products can only be bought for themselves, but the beneficiaries can designate relatives. Because, for some products, these three people can be one person, such as critical illness insurance, medical insurance, and the claim money can be used on themselves, they can be bought by themselves, and they can benefit by themselves.

For some products, these three people must not be one person, such as life insurance, if you protect yourself from death, you can buy it for yourself, but the beneficiary must be a family member. For some products, the beneficiary may be oneself or someone else, such as accident insurance, if you are disabled and do not die, the beneficiary is yourself, and the beneficiary of death is someone else. If no beneficiary is named at the time of purchase, then in the event of death, the beneficiary will be distributed according to the legal heirs.

Therefore, the designation of a beneficiary is also a more important thing, which saves a lot of trouble.