If students are over 18 years old, they can be the insured themselves and write down their parents' names.
The applicant refers to the person who signs an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract.
The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. They take their own property, life or body as the subject matter of insurance. If an insurance accident occurs during the insurance period, they will be the people who have the right to claim insurance money. The applicant can be the insured.
Extended data:
The so-called insured, also known as the insured, refers to the person who enters into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the insurance contract. The applicant is one of the subjects of the insurance contract. The applicant and the insurer are collectively referred to as the parties to an insurance contract.
The applicant is one of the indispensable parties to any insurance contract, which can be a natural person or a legal person. The applicant shall meet the following three conditions:
First, the applicant must have the corresponding capacity for rights and conduct, otherwise the insurance contract concluded will have no legal effect;
Second, the applicant must have an insurable interest in the subject matter of insurance, that is, he has a legally recognized interest in the subject matter of insurance, otherwise the applicant cannot conclude an insurance contract with the insurer, and if the insurer does not know it, the insurance contract will be invalid;
Third, whether the insured concludes an insurance contract for his own benefit or for the benefit of others, the insured shall bear the obligation to pay the insurance premium.
Article 10 of the Insurance Law stipulates that:
An insurance contract is an agreement between the applicant and the insurer on the relationship between insurance rights and obligations.
The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the insurance contract.
An insurer refers to an insurance company that enters into an insurance contract with the applicant and undertakes the responsibility of compensation or payment of insurance benefits.
Insurance conditions:
The applicant shall meet the following conditions:
1. has corresponding capacity for rights and conduct. .
According to the general principles of civil law? ,? /kloc-adults aged 0/8 and/kloc-adults aged 0/6? ,? But what about people whose main source of income is their own labor? ,? A person with full capacity for civil conduct? ,? Can become the insured of the insurance contract? ,? /kloc-minors over 0/6/kloc-minors under 0/8, mental patients who can't identify their own behavior and can't fully identify their own behavior are people with limited capacity for civil conduct or people without capacity for civil conduct? ,? Can't be the insured.
2. Does the applicant have an insurable interest in the subject matter insured? .
3. The insured has fulfilled the obligation to pay the insurance premium? .
References:
Insurance-Baidu Encyclopedia