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一文讲清楚 投保人，被保人，受益人

 

在保险中，我们经常谈到三个“人”，那就是被保人，投保人！和受益人，大家有时候傻傻的分不清，今天跟大家浅浅的聊一下。

首先来讲被保人

被保人就是保险合同里保障的人，如果被保人生病了、残疾了、身故了，就理赔，其他“人”出事通通不赔。

被保人不可以变更。我们想想，保障的主体都不同了，当然就需要重新另立一份新合同，而不能用旧合同来代替，所以被保人是不能变更的。

接下来就是投保人

投保人，通俗来说就是交保费的那个人，既然交了钱，这张保单就是投保人的私人财产，而不是我们通常认为的被保人的私人财产。这样不难理解，谁出钱买的保单，就是谁的私人财产，对吧。有的时候你会发现投保人和被保人不是一个人，那这种情况通常是发生在被保人没有经济能力的情况下，比如孩子、全职妈妈或者年老的父母，他们就需要一个有经济能力的人来交保费，这个交保费的人就是投保人。

投保人可以变更，通常孩子长大，父母就可以把投保人从父母变更为子女本人。这就意味着孩子需要自己给这张保单缴费了。而全职妈妈的保单也最好是把投保人改在自己的名下，因为保单是投保人的私人财产，投保人可以自己决定是否退保而不需要通知被保人。如果全职妈妈作为被保人不知道自己已经被退保，却还一直认为自己有保障，这其实是一种比较危险的情况。

变更投保人的操作很简单，填一张变更投保人的申请表，保险公司就会给你处理好，或者直接找你的保险经纪人也行

投保人在保单缴费完成之前去世，怎么处理？如果买有保费豁免这个附加险的话，那投保人去世，后面的保费直接豁免，保单仍然生效。如果没有这个附加险，那么需要转换保单的投保人。

最后一个是受益人

受益人通常就是那个领取保险理赔金的人。

受益人一般分为两种：生存受益人和身故受益人。一般生存受益人都默认为是被保人自己，因为被保人还活着，比如重疾、伤残、住院险的理赔金都是支付给被保人。而身故受益人就是我们指定的，在被保人身故后，领身故理赔金的人。

如果已经指定了受益人，而这个受益人又先于被保险人身故的话，那就需要及时的去保险公司更改受益人。

希望今天的分享对大家有所帮助

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

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在伦敦生活20年之后，选择了定居新加坡，转行成为一名独立理财顾问。虽然自己以前也从事金融行业，自诩对金融业不陌生，但转行之后才惊觉理财是一门单独的学问。

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策