The insured is the subject of the insurance contract. If the insured changes, it is equivalent to signing a new insurance contract, so it cannot be changed.

The applicant is the person who pays the fee. No matter who pays the fee, it will not affect the insurance contract itself, so it can be changed.

Matters needing attention in changing the insured:

1. The applicant can change it, but it needs the written consent of the insured.

2. The signature of the insured is required when correcting the relevant information of the insured.

3. The change of the insured shall be signed and agreed by the insured (or his legal guardian), the original insured and the changed insured. If the original applicant is dead, missing or other special reasons, and the original applicant cannot sign his name, relevant certificates (death certificate or public security bureau certificate or court judgment) shall be provided.

4. For the insurance with the insured's guarantee responsibility, the health notice must be filled in when the insured is changed, and it must be audited by the company.

5. The change of contact telephone number, charging address, postal code and work unit can be applied through the telephone center without filling in the Application Form for Safe Operation.

6. When changing the applicant, relevant information of the new applicant shall be provided at the same time, including name, gender, ID number, relationship with the insured, bank of deposit, account number, account name, charging address, etc. , and should explain the reasons for the change.

7. If the name of the applicant changes and the insurance policy pays the premium by bank transfer, a new bank, account number and account name shall be provided.

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

The insured, also known as the "applicant", is the person guaranteed by the insurance contract, and has the right to claim damages or receive insurance money from the insurer according to the insurance contract when the insurance accident occurs or when the insurance expires. The insured may be a legal person or a natural person. In property insurance, the insured is usually the insured; In life insurance, if the insured insures himself, the insured is the insured; If the insured insures for others, others are the insured.