1. What is the subject matter of insurance?
The subject matter of insurance is the object of insurance, also called the subject matter of insurance. It is the carrier of insurable interest, and it refers to all kinds of dangerous carriers that the insurer bears the insurance liability. Including two categories, one is property and its related interests, and the other is human life and body. As the object of insurance, property can be tangible, such as houses and cars, or intangible, such as trademark use rights and patent rights. As the object of insurance, a person refers to a natural person, either one person or all the people in a specific group. The subject matter of insurance is of great significance: determining the types of insurance business; Judge whether the applicant has insurable interest; Determine the insured amount according to the actual value or existing condition of the subject matter insured; Determine the insurance premium rate according to the degree of danger of the subject matter insured; Calculate the amount of compensation according to the degree of loss of the subject matter insured; Determine the scope of litigation according to the location of the subject matter insured. The subject matter of insurance directly determines the type of insurance, and the value and risk of the subject matter of property insurance directly affect the obligations undertaken by the insurer and determine the level of insurance premium. Different targets of life insurance (age, occupation, physical condition, etc.). ) There are different premiums and types of insurance. The subject matter of insurance is the main clause and important content of insurance contract, which affects the provisions of rights and obligations of insurance contract.
2. What is the subject matter of life insurance?
The subject matter of a life insurance contract is the life and body of the insured and the object of insurance. Insurance liability and liability exemption are very important contents in life insurance contracts, which are related to the protection degree of the insured and the insured. Insurance liability is the scope of insurance accidents agreed in the insurance contract and shall be borne by the insurer. There are special liability clauses in insurance contracts, and the specific content varies with different types of insurance. Exemption refers to the risk items that the insurer does not bear, which must usually be listed in the insurance contract. The exemption clause is something that the insurance company is not responsible for. The insured is an interested party in the insurance contract and plays a very important role in the contract. Not only should his name and residence be clearly recorded, but also his gender and exact age should be recorded. The beneficiary is the person who has the right to claim insurance money. The insurance period is the period from the beginning to the end of the insurance liability, which is the objective basis for determining whether the insurance accident belongs to the insurance liability and is also one of the important contents in the insurance contract. In life insurance contracts, the insurance period varies with different types of insurance: life insurance and annuity insurance have a long insurance period, usually several years or even life; Personal accident insurance, medical insurance and group life insurance generally have shorter insurance periods.
There are many types of life insurance, among which life insurance and accident insurance are more common. Generally speaking, life insurance is life-long protection, and accident insurance is long and short. Long-term life insurance can also be guaranteed for life like life insurance, and short-term life insurance can be accidental injury insurance for vehicles, which lasts for several minutes to several hours.