What is the act of buying insurance without telling his family?

If the parents take out life insurance for their minor children, then the consent of the insured is generally not required, and it is a normal insurance application.

If the insurance is purchased for a family member who is not a child, parent or spouse, it also depends on whether the policyholder has an insurance interest in the insured. If there is an insurance interest, then the purchase of insurance for an adult relative requires the consent of the person before he or she can be insured; Parental consent is required to purchase insurance for relatives of minors.

Therefore, it is necessary for everyone to inform their family members when purchasing insurance for their families. So what rights and interests does the policyholder have after the insurance is successfully insured? You can read this article to understand: What is the difference between the policyholder and the insured? One article tells you the details!

When buying insurance for your family, you should also pay attention to one detail - health notice. Many friends may not know the health status of their family members when they buy insurance for their families, which may lead to the situation of not truthfully informing their health status and not making claims out of the insurance. Therefore, when applying for insurance, it is necessary to understand the health status of the family members, and after obtaining the consent of the family, truthfully inform and apply for insurance.

In addition, you cannot deliberately conceal your medical condition, otherwise it may also affect the claim.

If you still don't know much about health notice, you can read this article: Is the health notice of the insurance company making it difficult for us?

Finally, when insuring your family, you can't buy blindly, you should choose according to your family's age, health and needs. If you are buying insurance for your parents, then you can consider purchasing medical insurance, accident insurance, and cancer insurance. If you are buying insurance for your child, it is recommended to have critical illness insurance, medical insurance, and accident insurance.

If you pay for it yourself, don't steal or rob, who are you afraid of! Don't be weak-hearted!

Legal Analysis: It is not legal for an insured person to be insured without their knowledge. The corresponding legal liability shall be borne jointly by the insurance company and the policyholder. If the policy is surrendered due to the policyholder's fault, the cash value of the policy can only be recovered.

Legal basis: Insurance Law of the People's Republic of China

Article 16 Where the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured when concluding an insurance contract, the policyholder shall truthfully inform the insurer. 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.

Article 33 The insured shall not take out life insurance for a person who lacks capacity for civil conduct, and the insurer shall not underwrite the insurance with death as a condition for the payment of insurance benefits. The life insurance taken out by parents for their minor children is not subject to the restrictions of the preceding paragraph. However, the total amount of insurance benefits paid due to the death of the insured shall not exceed the limit prescribed by the insurance regulatory authority.

Article 34 A contract in which death is a condition for the payment of insurance benefits shall be invalid without the consent and approval of the insured amount. An insurance policy issued pursuant to a contract with death as a condition for the payment of insurance benefits may not be transferred or pledged without the written consent of the insured. The life insurance taken out by parents for their minor children is not subject to the restrictions provided for in the first paragraph of this article.

No, you must call the insurance company's ** in advance, so that it will be dealt with in time, and if you don't say that the other party will not take the initiative to compensate you.

The insurance company will also compensate, and this situation will not be affected by family factors, and this matter has nothing to do with the family.

At this time, the insurance company will not take the initiative to compensate, and if no one contacts the insurance company, the insurance company will not make any response.

If the insurance contract is not formed without your knowledge, the premium can be refunded in full regardless of the cooling-off period. You just have to look for a complaint from the regulator and hit it. This kind of operation is non-compliant, and the regulator will punish both the person concerned and the insurance company concerned.

If you are a minor, then only the signature of your guardian is required for it to take effect. If you are an adult, the insurance contract must be signed by you for it to be valid.

Without your knowledge, someone has purchased insurance for you, as long as the information on the document is correct, it is valid.

If the policyholder does not have an insurance interest in the insured, the contract shall be invalid. In the practice of life insurance, the policyholder needs to have an insurable interest in the insured, and the circumstances of insuring others are generally limited to immediate family members and employment relationships.

Legal basis: Article 31 of the Insurance Law of the People's Republic of China The policyholder has an insurance interest in the following persons: (1) himself; (2) Brothers, children, and parents; (3) 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; (4) Workers who have a labor relationship with the insured person in turn.

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.