保险知识|“保单受益人该填谁？”终于弄明白了！
<section class="_editor"><section style="max-width: 100%;box-sizing: border-box;font-size: 16px;word-wrap: break-word ;">
<section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">
<section style="padding: 15px;max-width: 100%;box-sizing: border-box;display: inline-block;width: 677px;vertical-align: top;background-position: 0% 0%;background-repeat: repeat;background-size: 65.2928%;background-attachment: scroll;border-width: 5px;border-radius: 0px;border-style: ridge;border-color: #9feaff;>
<section powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;transform: translate3d(1px, 0px, 0px);word-wrap: break-word ;">
<section style="max-width: 100%;box-sizing: border-box;font-size: 15px;color: #000000;line-height: 2;word-wrap: break-word ;">
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
小编经常在微信后台收到这样的问题，说，我的保单受益人怎么填？如果你对这个问题也带着疑问，那就继续往下看吧！
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
</section>
</section>
<section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box;text-align: center;word-wrap: break-word ;">
<section style="max-width: 100%;box-sizing: border-box;vertical-align: middle;display: inline-block;line-height: 0;word-wrap: break-word ;">
<img src="http://newcdn.96weixin.com/mmbiz.qlogo.cn/mmbiz_jpg/zz4pW2gribBDaIzp7jq8439BPWTPoVHnh4ibibvNBB2Xt0zALSzvkfiag26KpxdWQffvCaw9yk3G0G4umqkDxNmcUg/640?wx_fmt=jpeg" style="box-sizing: border-box;vertical-align: middle;word-wrap: break-word ;visibility: visible ;width: 100%;"/>
</section>
</section>
<section powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;transform: translate3d(1px, 0px, 0px);word-wrap: break-word ;">
<section style="max-width: 100%;box-sizing: border-box;font-size: 15px;color: #000000;line-height: 2;word-wrap: break-word ;">
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
首先我们要弄清楚一个问题——<span style="max-width: 100%;box-sizing: border-box;color: #bb2020;word-wrap: break-word ;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">什么是“保险受益人”？</strong></span><br style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;"/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">一句话来说，保险受益人，就是领你钱的那个人</strong>。
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<em style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;word-wrap: break-word ;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">法律规定</strong></span></em><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">：</strong>保险受益人是指由被保险人或者投保人指定，在保险事故发生或者约定的保险期限届满时，依照保险合同享有保险金请求权的人。
</p>
</section>
</section>
<section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box;word-wrap: break-word ;text-align: center;">
<section style="max-width: 100%;box-sizing: border-box;display: inline-block;width: 637px;vertical-align: top;background-position: 0% 0%;background-repeat: repeat;background-size: 26.6667%;background-attachment: scroll;border-color: #eaf7ff;border-width: 4px;border-radius: 10px;border-style: solid;overflow: hidden;;word-wrap: break-word ;">
<section powered-by="xiumi.us" style="margin-top: -50px;max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">
<section style="max-width: 100%;box-sizing: border-box;display: inline-block;vertical-align: top;width: 314.5px;word-wrap: break-word ;">
<section powered-by="xiumi.us" style="margin-top: -20px;max-width: 100%;box-sizing: border-box;text-align: left;word-wrap: break-word ;">
<img src="http://newcdn.96weixin.com/mmbiz.qlogo.cn/mmbiz_png/zz4pW2gribBDaIzp7jq8439BPWTPoVHnhicppvbf8umJhboqRAkY52MpWFIUmdg8Rww0AOich0O43b4Friach54RQw/640?wx_fmt=png" style="text-align: right;box-sizing: border-box;vertical-align: middle;word-wrap: break-word ;visibility: visible ;width: 100%;"/>
<section style="max-width: 100%;box-sizing: border-box;vertical-align: middle;display: inline-block;line-height: 0;width: 314.5px;box-shadow: #000000 0px 0px 0px;word-wrap: break-word ;"></section>
</section>
</section>
</section>
<section powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">
<section style="padding: 10px 15px;max-width: 100%;box-sizing: border-box;display: inline-block;width: 629px;vertical-align: top;word-wrap: break-word ;">
<section powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;font-size: 15px;color: #5f6f78;line-height: 2;word-wrap: break-word ;">
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;text-align: center;word-wrap: break-word ;">
<span style="max-width: 100%;box-sizing: border-box;font-size: 16px;word-wrap: break-word ;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">举 </strong></span><strong style="max-width: 100%;box-sizing: border-box;font-size: 16px;word-wrap: break-word ;">例</strong>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;text-align: center;word-wrap: break-word ;">
<span style="max-width: 100%;box-sizing: border-box;font-size: 14px;text-align: justify;word-wrap: break-word ;">王女士购买了一份保额为100万的意外险，当时填写的保险受益人是他的女儿玲玲，半年后王女士不幸遭遇车祸意外身亡，这100万保险金的赔付则归属王女士女儿玲玲所有。</span><br style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;"/>
</p>
</section>
</section>
</section>
<section powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;text-align: center;word-wrap: break-word ;">
<section style="max-width: 100%;box-sizing: border-box;vertical-align: middle;display: inline-block;line-height: 0;word-wrap: break-word ;">
<img class=" __bg_gif" src="http://newcdn.96weixin.com/mmbiz.qlogo.cn/mmbiz_gif/zz4pW2gribBDaIzp7jq8439BPWTPoVHnhkUXdpVLibIWWY8PxvRs1JjeNXfZMpIialvQgyDMUmyquCp7Mynwz9pYw/640?wx_fmt=gif" style="box-sizing: border-box;vertical-align: middle;word-wrap: break-word ;width: 640px ;visibility: visible ;"/>
</section>
</section>
</section>
</section>
<section powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;transform: translate3d(1px, 0px, 0px);word-wrap: break-word ;">
<section style="max-width: 100%;box-sizing: border-box;font-size: 15px;color: #000000;line-height: 2;word-wrap: break-word ;">
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
然后，就该是第二个问题——<span style="max-width: 100%;box-sizing: border-box;color: #ba270e;word-wrap: break-word ;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">哪些人可以做“保险受益人”？</strong></span>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
在保险中，保险受益人主要分<strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">生存受益人</strong>和<strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">身故受益人</strong>两种，其区别就在于，<span style="max-width: 100%;box-sizing: border-box;text-decoration: underline;word-wrap: break-word ;">生存受益人不能指定人选，而身故受益人则可以</span>。
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<span style="max-width: 100%;box-sizing: border-box;font-size: 16px;word-wrap: break-word ;"><em style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">生存受益人</strong></em></span>：重疾、轻症的理赔金，住院医疗中的医疗费用、津贴，意外险中的意外医疗费用、津贴，部分寿险和意外险中的全残保障金，以及年金险中的年金领取，其给予对象都是生存受益人。生存受益人不能指定，一般都是被保险人（当被保险人是未成年人时，可以指定为其父母）。
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<span style="max-width: 100%;box-sizing: border-box;font-size: 16px;word-wrap: break-word ;"><em style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">身故受益人</strong></em></span>：重疾险中的身故保障金、寿险中的身故保障金、意外险中的身故保障金，给予的对象都是身故受益人，上文举例的王女士女儿玲玲就是身故受益人。身故受益人是可以指定的，如果不指定的话就是法定受益人，法定继承人即为法定受益人。
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
</section>
</section>
<section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box;text-align: center;word-wrap: break-word ;">
<section style="max-width: 100%;box-sizing: border-box;vertical-align: middle;display: inline-block;line-height: 0;word-wrap: break-word ;">
<img src="http://newcdn.96weixin.com/mmbiz.qlogo.cn/mmbiz_jpg/zz4pW2gribBDaIzp7jq8439BPWTPoVHnh3hicoHf5Icdn0nX10FrBjTlolicDSyiaZye2fzicPmO4Wq3epIek0b3w2A/640?wx_fmt=jpeg" style="box-sizing: border-box;vertical-align: middle;word-wrap: break-word ;visibility: visible ;width: 100%;"/>
</section>
</section>
<section powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;transform: translate3d(1px, 0px, 0px);word-wrap: break-word ;">
<section style="max-width: 100%;box-sizing: border-box;font-size: 15px;color: #000000;line-height: 2;word-wrap: break-word ;">
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
第三个问题——<span style="max-width: 100%;box-sizing: border-box;color: #ba270e;word-wrap: break-word ;"><strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">什么是“法定受益人”呢？</strong></span>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
法律规定：法定继承人分第一顺位和第二顺位。
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
第一顺位：配偶、子女、父母
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
第二顺位：兄弟姐妹、祖父母、外祖父母
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
以上，就关系到保险金的领取。如果你投保时未指定保单受益人，一旦出事，保险金将按照法律规定的法定保险人按顺位领取。<strong style="max-width: 100%;box-sizing: border-box;word-wrap: break-word ;">简单来说，就是“指定”是给你指定的人；“法定”就是根据国家规定的顺序领取。</strong>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
所以，当你购买的保险条款中，有【身故保险金】这一选项时，一定要认真，再三确认保单受益人的问题。只有这样，你才能让想要保障的对象也能得到应有的保障。
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
</section>
</section>
<section powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;transform: rotate(0deg);word-wrap: break-word ;">
<section style="margin-top: 10px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box;text-align: center;word-wrap: break-word ;">
<section style="max-width: 100%;box-sizing: border-box;vertical-align: middle;display: inline-block;line-height: 0;word-wrap: break-word ;">
<img src="http://newcdn.96weixin.com/mmbiz.qlogo.cn/mmbiz_jpg/zz4pW2gribBDaIzp7jq8439BPWTPoVHnhlalx4W6zPCU1z1F09QLYUVqKVI6liarhfb0qRulzAKTXohn0FPOxPicA/640?wx_fmt=jpeg" style="box-sizing: border-box;vertical-align: middle;word-wrap: break-word ;visibility: visible ;width: 100%;"/>
</section>
</section>
</section>
<section powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;transform: translate3d(1px, 0px, 0px);word-wrap: break-word ;">
<section style="max-width: 100%;box-sizing: border-box;font-size: 15px;color: #000000;line-height: 2;word-wrap: break-word ;">
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
那么，到底是法定受益人更好还是指定受益人更好？
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
答案：能指定就别法定！
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
原因如下：
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
1.指定的手续相对简单。指定的，赔偿金就是指定人的钱。法定的分配可就麻烦多了。
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
2.指定最能表达“定向性”，更能体现个人意愿。
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
4.避免纠纷。这一点最为关键，尤其家庭关系复杂，或婚姻状况发生变化时，指定能避免不必要的麻烦。
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
这里有一些生活中常见的保险受益人填写方式，仅供参考——
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
1.已婚家庭，填子女最为常见，在子女未成年时，保险金可由监护人支配
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
2.未婚家庭，不少人填法定，或先指定父母，后期可随家庭变化变更受益人
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
3.夫妻恩爱，孩子已有经济能力，自己还有亲兄弟姐妹。担心父母养老，却又怕直接填父母，他们会把钱给其他孩子，养老依然没保障。可以和先生约定，填先生，按期将钱给父母。
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<br/>
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
每个家庭的家庭结构和保险需求不一样，受益人的填写也会千差万别……
</p>
<p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word ;">
<strong>想要制定一份稳妥周全的保险合同，赶紧找你身边的专业太平洋保险顾问帮您定制吧！</strong>
</p>
</section>
</section>
</section>
</section>
</section>
</section>
页:
[1]