What Is an Insured Contract?

Insured refers to a person whose property or person is protected by an insurance contract and has the right to claim insurance money. ^[1]

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Decide whether the insurance contract is valid

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The insured must meet the following conditions ^[1]

1. Obligation of truthful notification before applying for insurance;
2. Notify as soon as you know the insured accident

Protection, the person who has the right to claim insurance money. The insured person may be an insured person.

The insured is one of the subjects of the insurance contract. Related party of the insurance contract with the beneficiary

In property insurance, the policyholder can be the same person as the insured. If the insured and the insured are not the same person, the insured of the property insurance must be the owner of the insured property, or the operator of the property, or a person who has a direct interest in the property, otherwise it cannot become property insurance Insured.

In life insurance, the insured person may be the insured person, then the insured person has an administrative affiliation or employment relationship with the insured person, or the insured person has a claim and debt relationship with the insured person, or the insured person and the insured person exist Inheritance, maintenance, support or guardianship recognized by law, or the insured has a gift relationship with the insured, or the insured is a spouse, parent, child or other person recognized by law.

Legal provisions

Article 45 of the "Insurance Law of the People's Republic of China" stipulates: "The insurer shall not be liable for the payment of insurance premiums if the insured person intentionally commits a crime or resists the criminal coercive measures adopted in accordance with the law, resulting in his disability or death. If the insurance premium is more than two years old, the insurer shall return the cash value of the insurance policy in accordance with the contract. If the case is investigated, the case shall be withdrawn, or the trial shall not be prosecuted, or the trial shall be terminated or acquitted: (1) the circumstances are significantly minor, the harm is not serious, and it is not considered to be a crime.