Others can replace it within 1 month after the contract comes into effect. However, it is necessary to submit the application form and a copy of the ID card of the applicant, the insured and the beneficiary and sign it.
Insurance beneficiary is also called "insurance beneficiary". The general provisions of insurance companies on insurance beneficiaries conform to the provisions of the Insurance Law.
In life insurance, the beneficiary of the insured is the person designated by the applicant or the insured, who has the right to claim the insurance money according to the insurance contract when an insurance accident occurs or the agreed insurance period expires.
The insured should generally designate their family members or close relatives as beneficiaries, such as spouses, children, parents, etc. When several of them need help, they can designate several beneficiaries, and the order and share of beneficiaries can be reasonably determined according to their different income levels and their own support obligations.
Extended data:
Principle of insurance compensation:
First, the function of economic compensation is the foundation of insurance, which can best reflect the characteristics and core competitiveness of the insurance industry. It is reflected in two aspects:
1. Property insurance compensation: Insurance refers to the compensation according to the scope of responsibility and insurance amount agreed in the insurance contract and the actual loss amount at the time of specific disasters and accidents within the validity period of insurance.
2. Payment of life insurance: The insured amount of life insurance is determined by the insured through consultation with the insured according to the insured's needs for life insurance and the insured's ability to pay.
Second, compensation for losses
The principle of loss compensation is that when the subject matter insured suffers losses due to an insured accident, the insurer must compensate the insured according to the scope of insurance liability. It means that the insurer compensates for the losses caused by the agreed insurance accident, and the beneficiary can't get additional benefits from the payment of insurance money.
Third, the principle of proximate cause
The principle of proximate cause refers to the basic principle of judging the relationship between the risk accident and the loss of the insured object, so as to determine the insurance compensation or payment responsibility. Proximity is the most direct, effective and decisive cause of damage to the subject matter insured, not proximate cause.
Fourth, the principle of apportionment.
In the case of repeated insurance by the insured, if an insurance accident occurs, the compensation obtained by the insured shall be shared by the insurance company and the insured.
Five, the principle of subrogation
According to the provisions of the contract, after the insurer compensates the insured for an accident, or after the accident of the subject matter insured causes a presumed total loss, the insurer claims the interests from the responsible third party according to law and obtains the ownership of the damaged subject matter insured.
China's insurance laws and regulations require the insurer to exercise the right of subrogation in its own name, and the insured or the insured has the obligation to assist the insurer to claim compensation from the infringer.
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