Can the beneficiary be a minor?

OK. Although minors do not have the capacity for civil conduct, they do have the capacity for civil rights and are entitled to the benefits of insurance.

Yes, but if you want to get an insurance claim, you still need his guardian to handle it.

In the case of a policy with a death benefit liability, the beneficiary of the death benefit can be a minor. In general, only the spouse, parents, and children (one or more than one) of the insured can be designated as the beneficiary of the death insurance benefit, and the designation of other relationships is not supported.

In addition, the designated beneficiary can designate beneficiaries in different orders, and multiple beneficiaries in the same order can set different benefit ratios (the sum of the benefit ratios is 100% for the same beneficiary order).

The beneficiary of the survival benefit of the policy with a survival interest can only be the insured.

OK. A minor can be the insured, the beneficiary.

The beneficiary of the insurance can be either the policyholder or the insured.

Of course, you can, and you can also distribute it proportionally.

A child who is a minor can be the beneficiary of the insurance, because there is no explicit provision on how old the beneficiary of the insurance must be, so even if the child is not an adult and belongs to the minor, as long as the child is the child of the insured, then it can be the beneficiary of the insurance.

At present, although the beneficiary of the insurance can be a minor, it should be noted that if the insured has an insured accident when the beneficiary is a minor, then the beneficiary cannot apply to the insurance company to receive the insurance money by himself, and his legal guardian needs to apply for the insurance money on his behalf, and his legal guardian must also provide proof that the beneficiary is a minor or a person without civil capacity and the proof that the guardian has legal guardianship when applying for the insurance money.

Of course, when the child reaches adulthood, there is no need for a legal guardian to apply for insurance benefits on his or her behalf, and the children can apply to the insurance company to receive insurance benefits on their own.

It is okay for the beneficiary to be a minor, but it is not necessarily possible for the insured person to be a minor. Because according to the Insurance Act

It is stipulated that the policyholder must have full capacity for civil conduct.

According to the General Principles of the Civil Law.

It stipulates that "citizens over the age of 18 are adults with full capacity to conduct civil activities independently."

"Citizens over the age of 16 but under the age of 18, who take their own labor and regret as their main livelihood, are regarded as persons with full capacity for civil conduct", so there is a limit on the age of the policyholder when buying insurance.

To put it simply, if the policyholder is under the age of 18, then he must be at least 16 years old, and he must live on his own labor income**, otherwise he cannot buy insurance as an insured.

What Xiaoshen would like to remind you here is that in addition to stipulating that the policyholder must have full civil capacity, the Insurance Law also stipulates that the policyholder must have an insurance interest in the insured.

If there is no insurance interest in the insured, it is also not possible to purchase insurance for the insured as an insured.

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OK. Currently, the beneficiary of the insurance can be the parent of the insured, the spouse of the insured, or the child of the insured, regardless of whether he is over 18 years old, so you can write the beneficiary as a child under the age of 18.

1. The beneficiary of the death can be a minor, and the newborn family can be the beneficiary for a day;

2. If he is an adult at the time of the claim, he or she shall be handled in his name; If the claim is still a minor at the time of the claim, it shall be handled in the name of the legal guardian (either father or mother).

Extended reading: [Insurance] How to buy, which one is better, and teach you to avoid insurance step by step"pits"

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From a legal point of view: if the insured dies when the deceased beneficiary is still a minor, then the deceased beneficiary cannot apply to the insurance company to receive the death insurance benefit by himself, but the legal guardian of the deceased beneficiary needs to apply for the death insurance benefit on his behalf, and the legal guardian of the deceased beneficiary of the policy must also provide proof of the relationship between him and the deceased beneficiary of the policy when applying for the death insurance benefit. If the beneficiary of the death of the policy is already an adult, then you can claim the death benefit of the insured by yourself.

What happens if the insured dies and the beneficiary is a minor.

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From a legal point of view: if the insured dies when the deceased beneficiary is still a minor, then the deceased beneficiary cannot apply to the insurance company to receive the death insurance benefit by himself, but the legal guardian of the deceased beneficiary needs to apply for the death insurance benefit on his behalf, and the legal guardian of the deceased beneficiary of the policy applies for the death insurance benefit when applying for the death insurance benefit. Proof of relationship with the deceased beneficiary of the policy must also be provided. If the person who has died under the policy has reached adulthood, then he can apply for the death benefit of the insured by himself.

Extended information: Generally speaking, the insurance company does not require the insured to designate an adult as the beneficiary of the death of the policy, as long as the beneficiary of the death of the policy has an insurance interest in the insured, and is not the insured himself, then the travel orange is purely okay, including the insured's children, parents, and spouse, can be designated as the death beneficiary of the policy. If the insured does not designate a beneficiary of the death of the policy, the insured's legal heirs will be the beneficiary to inherit the death insurance payment after the insured's death.

The child is a minor and can be the beneficiary of the insurance, because there is no explicit provision on how old the beneficiary of the insurance must be, so even if the child is not an adult and belongs to a minor, as long as the child is the child of the insured, then it can be the beneficiary of the insurance.

Legal basis: Civil Code of the People's Republic of China Article 1: This Law is formulated on the basis of the Constitution so as to protect the lawful rights and interests of the subjects of civil auctions, to adjust civil relations, to preserve the social and economic order, to adapt to the requirements of the development of socialism with Chinese characteristics, and to carry forward the Core Socialist Values.

Legal analysis: A child under a minor can be the beneficiary of the insurance, because there is no explicit provision on how old the beneficiary of the insurance must be, so even if the child is not an adult and belongs to a minor, as long as the child is the child of the insured, then it can be the beneficiary of the insurance.

Legal basis: Civil Code of the People's Republic of China Article 1: This Law is formulated on the basis of the Constitution so as to protect the lawful rights and interests of civil entities, to adjust civil relations or systems, to preserve social and economic order, to adapt to the requirements of the Socialist Characteristics with Chinese Characteristics.

Children who are minors can be the beneficiaries of the insurance, because there is no explicit provision on how old the beneficiary of the insurance must be, so even if the child is not an adult and belongs to a minor, as long as the child is the child of the insured, the brother can be the beneficiary of the insurance. Legal basis: "Civil Code of the People's Republic of China" Article 1: This Law is formulated on the basis of the Constitution so as to protect the lawful rights and interests of civil subjects, to adjust civil relations, to preserve social malpractice and economic order, to meet the requirements of the development of socialism with Chinese characteristics, and to carry forward the Core Socialist Values.