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Data:2009-12-12 2:34
Yesterday was informed that: Baotou plane crash claims the current Hangyi Xian, Wuxi Hang Yixian purchase of four has three relatives of the victims were to be paid 400,000 yuan, while one is still among the formalities. It is understood that the passengers are not buying Hang Yixian designated beneficiary, or if the payment procedure to be much more cumbersome.
Consultation with journalists yesterday, Wuxi, China's civil aviation passenger ticket sales department, the staff said that no one purchase Hang Yixian a beneficiary designated by the passengers, e-policies are set up as a statutory procedure. Wuxi, China Life Insurance Company introduced, if not fill out the beneficiary, it is legal, spouse, parents, children are the statutory successors first. Insurance companies must be made clear in the end the number of heirs, which increased the difficulty of claims, but also may lead to succession disputes. If you paid, first arrived at the scene or my heirs have to be issued by the power of attorney, insurance shared equally. The Baotou air crash claims must be the original power of attorney to use Speedpost, send them over. Baotou, China Life, said the company claims personnel, Suzhou's father has been a plane crash more than 80 years old, disabled persons, the son was an only child, at home, the bad news without the knowledge of him, and he himself power of attorney issued by the difficulties, which allow insurance companies disaster has a. Wuxi victims who have encountered such problems.
Since the CIRC requirements Hang Yixian use of e-policy, after the first half of this year, Wuxi, China Life Insurance, Pacific Insurance, Ping 3 now have the use of electronic insurance policy, the insurance policy is clearly marked with the beneficiaries of this column. Hang Yixian are the sales agent, and a lot of proxy points, made clear that no policy holders to be filled with the beneficiaries. In the financial unit's work-wah said that once he purchased Hang Yixian when asked to fill in the beneficiary, but also by airport personnel chatter: "For your trouble, people do not fill." Wuxi, according to Ping An Life Insurance company, life insurance in previous years insurance policy is not to fill the designated beneficiary of many individuals to buy insurance in these two years filled out most of the beneficiaries. However, in group insurance, the designated beneficiary are gaps, such as unit for the employees insurance group personal accident insurance, and workers in the insurance policy I do not have to sign, let alone fill out the beneficiary, out of danger, they have to press legal heirs procedures for settlement of claims.
Pacific Life Insurance Claims Manager, said Hua Chunhui, beneficiaries not trivial, it involves legal issues. Statutory and designated beneficiary are very different, according to insurance law provides that if there is no designated beneficiary, the insurance payment as the insured person's estate to inherit. Judicial interpretation by the Supreme Court, after the death of the insured person's insurance, can be used as the insured person's legal personal to settle the debt before death. Taibao in previous years have been encountered with the Pei An, a famous business policy-holders killed in Qiqihar, leaving 200,000 yuan insurance premium, received by the designated beneficiary. A lifetime of debt owed by policyholders, lawyers come dun, because the designated beneficiary of the insured, this insurance can not be used for debt service.
Insurance veteran who believes that today, individuals tended to the complex social relationships, marriage and relationship changes, if not fill in the designated beneficiary, can easily lead to disputes. Therefore, the importance of completing the beneficiaries, policy holders are subject to change according to changing circumstances of beneficiaries.
