According to China's Insurance Law, the insured is the person who enters into an insurance contract with the insurer and is obliged to pay the insurance premium according to the insurance contract. The applicant can be a natural person or a legal person.
The revised Insurance Law stipulates that when concluding an insurance contract, the insurer shall explain the terms of the insurance contract to the applicant and may inquire about the subject matter of insurance or related insurance matters. The applicant shall truthfully inform the information of the insured.
The applicant intentionally conceals the facts, fails to fulfill the obligation of telling the truth, or fails to fulfill the obligation of telling the fault, which is enough to affect the insurer's decision to agree to underwrite or terminate the party concerned. Insurance rate, the insurer has the right to terminate the insurance contract.
Extended information: 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? .
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