What does it mean that the policyholder has an insurance interest in the insured?

The policyholder has an insurable interest in the subject matter of the insurance.

It means that the two have a direct interest relationship, for example: I am the policyholder, and I can only apply for insurance for people or things with which I have a direct relationship, for example, I can only protect my lover, or my children, or my related property, etc., but I cannot protect my grandchildren, or other relatives, or other unrelated property, etc. The policyholder has an insurance interest in the insurer because there can be no relationship between these two people, and there must be an insurance interest before he can be insured.

There are two types of insurance objects: 1. In property insurance, the subject of insurance is property and its related interests, and the policyholder who suffers losses due to property and its related interests has an insurance interest in its property and related interests. Life insurance policy.

A contract refers to an insurance contract that takes the life and physical health of a natural person as the subject matter of insurance. After the insured has taken out the insurance, the insurer of life insurance shall pay a certain amount of insurance in the event of death, illness, disability, incapacity or retirement due to accidents, disasters and old age as specified in the policy.

or annuities. For the policy of installment payment, if the policyholder fails to pay the premium on time due to negligence or other reasons, the insurance company will give a certain grace period (generally 60 days, please refer to the terms and conditions for the specific time), during which the policy is still valid, and the insurance company is still responsible if the insured event occurs. If the premium is not paid after the grace period, the policy may lapse.

1. The insurance interests of property owners and business managers. 2. The insurance interests of the mortgagee and the pledgee. 3. The insurance interest of the financially responsible custodian or lessee of the property.

4. The parties to the contract have an insurance interest. 2. In life insurance, the interested person has an insurance interest. 1. I have an insurance interest in my life and body.

2. The policyholder has an insurance interest in the spouse, children, and parents. 3. It has an insurance interest in other family members and close relatives who have a relationship of support or support with the insured other than the above two items. 4. If the insured agrees that the policyholder enters into a contract for him, it shall be deemed to have an insurance interest.

The policyholder has an insurance interest in the insured, which means that if the policyholder wants to buy insurance for the insured, there needs to be a clear insurance interest relationship between the policyholder and the insured, which is an insurance rule set to prevent moral hazard.

Let's start by clarifying the definition of policyholder and insured.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract. To put it simply, the policyholder is the person who pays the premium, is the owner of the policy, and has the right to surrender and change the beneficiary.

The insured is a person protected by the insurance contract, and refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money.

The policyholder and the insured may or may not be the same person, but there must be an insurance interest between the two parties.

So, what does it mean to have an insurance benefit?

For example, if you insure your husband, wife and children, there is an insurance interest relationship between the policyholder and the insured. However, if it is to insure one's grandchildren and relatives, such as intergenerational insurance, the insurance interest is not very obvious.

However, if there is a written document or if the relevant laws and regulations are complied with, it is also permissible to purchase intergenerational insurance, but there are still certain restrictions if you purchase life insurance for intergenerational relatives with death as a condition for the payment of insurance benefits.

The policyholder has a relationship with the insured, such as kinship, contractual relationship, etc., mainly to prevent moral hazard.

To put it simply, it means that the policyholder has a legally recognized interest in the insured.

For example, the policyholder himself, spouse, children, parents, and other family members who have a relationship of support, support or support are all persons to whom the policyholder has an insurance interest.

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For example, if you are his father, you are his policyholder, and if you are not in good health, then you have affected the interests of the insured.

The policyholder has an insurance interest in the insured, which means that the insured person is the insured, and if it is said that there is an accident in danger, the beneficiary is the policyholder!

What does it mean that the policyholder has an insurance interest in the insured? The popular explanation is that the policyholder can bring benefits to the insurance.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance, also known as insurable interest. The insurance interest arises from the economic relationship between the policyholder or the insured and the subject matter of insurance, and it is the interest that the policyholder or the insured can insure from the insurance company, which reflects the legally recognized interest of the policyholder or the insured in the subject matter of insurance, that is, the policyholder or the insured suffers losses due to the risk accident suffered by the subject matter of insurance, and benefits because the subject matter of insurance does not have a risk accident.

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.

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Insurable interest, also known as insurance interest. It refers to the interest of the policyholder or the insured in the subject matter of insurance. If the subject matter of the insurance is safe, the insured will continue to enjoy the original benefits; If the subject matter of the insurance is unsafe or damaged, the insured suffers damage.

According to 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) Laborers who have a labor relationship with the insurer.