It is said that there are no two identical leaves in this world, and there are no two people who are exactly the same, but the men and women in love seem to be the same:
With a love pulse, you and I always want to give the best to each other...
Some friends even don't forget to sprinkle dog food even when they buy insurance:
Can the beneficiary of the policy have a girlfriend?
Before answering the question, let's take a look at what is a beneficiary?
Article 18 of the Insurance Law provides as follows:
To put it simply, after an insured accident, the insurance company pays the money to whom, who is the beneficiary.
There are two types of people who receive compensation, one is the insured himself, and the other is someone other than the insured, such as parents, children, spouses, etc.
In different cases, the object of payment is also different, we take the four major types of insurance as an example:
It can be seen that as long as a person is alive, the claim payment is generally given to the insured himself, at this time, he is the beneficiary; and the beneficiary of death is someone else.
So, can the deceased beneficiary fill in the girlfriend? Let's first take a look at what the Insurance Law says:
It can be seen that the Insurance Law does not require who the beneficiaries must be.
However, in practice, in order to avoid moral hazard, insurance companies generally require that only immediate family members (parents, children, spouses) be designated as beneficiaries, and there is no legal relationship between male and female friends, so it is usually difficult to designate the beneficiaries as girlfriends.
However, when applying for insurance offline, there are also a very small number of insurance companies that allow others other than relatives to be selected as beneficiaries, but this situation will require more supporting information, and it will be reviewed by the insurance company and will not take effect after there is no dispute.
If you especially want to fill in the name of your girlfriend in the "beneficiary" column, the safest way may be to get a marriage license first.
Policy beneficiaries, how to fill in better?
Since the beneficiary cannot fill in casually, how should it be filled in? To understand this question, we first have to understand the classification of beneficiaries, usually in two ways:
- Designated beneficiary: In the insurance contract, it is clearly stated who the beneficiary is, and only the beneficiary can receive the claim.
- Beneficiary statutory: If no beneficiary is designated when buying insurance, it is defaulted to statutory, and the claim payment is divided equally according to the legal inheritance order and rules of the Civil Code.
First-order heirs include spouses, children, and parents; if there is no first-order heir, there is a second-order heir, such as siblings, grandparents, and maternal grandparents.
Generally speaking, only insurance types involving death liability, such as term life insurance, long-term accident insurance, etc., need to fill in the beneficiary, and like medical insurance, major illness insurance without death, the beneficiary will basically default to the insured himself, and there is no need to choose when purchasing.
So, what would be better when buying insurance that requires filling in beneficiaries? Here we have also summarized three principles:
- Can be designated as another statutory: the appointment of beneficiaries makes it easier to settle claims and has fewer disputes; while the beneficiaries are statutory, and all heirs need to provide information and proof of relationship when settling claims, which is relatively more troublesome.
- Write the beneficiary information clearly: In addition to filling in the relationship with the insured, the beneficiary's name, ID number, contact information and other information should also be written accurately, so as to avoid problems when collecting in the later stage.
- Clarify the order of benefits and the proportion of benefits: When there are multiple beneficiaries, the order of benefits and the proportion of benefits can be set in advance, if not, the beneficiaries will distribute the compensation in equal proportions regardless of the order.
Different people have different family structures, different ideas, how to operate, but also combined with everyone's actual situation to arrange.
Frequently asked questions
Regarding beneficiaries, we have compiled two frequently asked questions to help you understand more.
1. Can I designate a beneficiary for accident insurance?
Different product regulations are different, generally we divide it into two cases:
- Long-term accident insurance: Usually at the time of purchase, you can choose a statutory or designated beneficiary, and you can also change the beneficiary after applying for insurance.
- 1-year accident insurance: Some products default to the beneficiary as statutory when applying for insurance, and do not support changing the designated beneficiary; but there are also some products, such as large armor No. 2, you can choose the beneficiary when buying, and you can also change the beneficiary after insurance.
Whether the specific can specify or change the beneficiary depends on how the product is specified, and the suggestion is not clear, you can call the insurance company to understand.
2. How to change the beneficiary?
There are usually three ways to change the beneficiary: go to the official WeChat public account, the official APP or the counter.
Regardless of which method is chosen, the insured must handle it himself and obtain the consent of the insured, and generally need to provide the following information:
- Application for Change of Preservation (signed and agreed by the insured)
- Valid identity documents of the insured, insured and new beneficiary
- Proof of the relationship between the insured and the beneficiary (e.g. Hukou Booklet)
In addition, we would like to remind everyone that different insurance companies will have some different ways of handling and materials; moreover, not all insurance products support the change of beneficiaries.
Therefore, the safest way is to call the insurance company before the operation.
Write at the end
There is a classic confession in insurance circles, "Please be my beneficiary."
However, how to fill in the beneficiary is not a simple matter, but should be considered comprehensively. Try to avoid improper operation and let kindness become "a chicken feather".
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