Data:2009-12-12 2:34
Category: Insurance tips Release Date: 2006-08-01
Beneficiaries also known as insurance recipients. In the new insurance law in regard to the identity of the beneficiary no special restrictions, only第六十一条stressed the beneficiary must be insured or insured by the designation, the designated beneficiary when the insured person shall be subject to the consent of the insured. Therefore, the insured and the insured person may as the beneficiary, is also useful for the insured or a third person other than the insured person. At the same time, regardless of their legal person or natural person, or whether the full capacity, are available to serve beneficiaries. No matter why the insurance beneficiary who need to be specified in the insurance contract. Insurance Law Article from the 66th can be seen that the real beneficiaries of the initiative is with the specified insured.
Insurance Act, the identity of the insured have strict limits, but there is no right more important to the beneficiaries of special requirements, is clearly unreasonable.
Really brought to the insured is the beneficiary of moral hazard. The beneficiaries of the insurance contract, neither the obligation to pay premiums powerless to make their life and body suffered any injury, in the death of the insured person, but to enjoy the right to receive insurance money. Which is likely to encourage beneficiaries to take the risk insured person killed. Insurance Law in the wrong income eligibility for the special provisions will induce a potential moral hazard. From international experience, in some areas of the Insurance Act also made provision for the identity of the beneficiary.
