What's the difference between the insured and the insured?

The insured is the guarantor of the insurance contract. They take their own property, life or body as the subject matter of insurance, and have the right to claim insurance money after an insured accident.

The insured refers to the owner of the car guaranteed by the insurance contract (that is, the owner specified in the driving license). The insured may be the same person as the applicant.

To put it simply, whoever the insurance is for is the insured, and the applicant is the person who pays the insurance premium. Beneficiary refers to the insured or the person designated by the insured in the life insurance contract who has the right to claim the insurance money, that is, the ultimate beneficiary of the insurance money.

It should be reminded that if the insured is neither the insured nor the beneficiary, then the insured only undertakes the obligation to pay the insurance money in the life insurance contract and does not enjoy any rights.

After an insurance accident, only the insured or beneficiary can apply for insurance claims, and the insured has no right to apply for claims. Of course, policy surrender is the rights and interests of the insured, and the insured or beneficiary has no right to surrender.

Comparatively speaking, the applicant and the insured are the same person, so the legal relationship involved will be simpler and many subsequent disputes can be avoided.