商法人身保险.pptVIP

Where the insured is a person without capacity for civil acts or with limited capacity for civil acts, the beneficiary may be designated by his/her guardian. 　　　 被保险人为无民事行为能力人或者限制民事行为能力人的，可以由其监护人指定受益人。 第三十一页，共五十六页。 受益顺序及份额 Article 40 The insured or proposer may designate one or more persons as beneficiaries. 第四十条 被保险人或者投保人可以指定一人或者数人为受益人。 第三十二页，共五十六页。 Where there is more than one beneficiary, the order and proportions in which insurance benefits shall be paid shall be determined by the insured or proposer. Where proportions for benefits distribution are not determined, benefits shall be divided equally among the beneficiaries.　　　 受益人为数人的，被保险人或者投保人可以确定受益顺序和受益份额；未确定受益份额的，受益人按照相等份额享有受益权。 第三十三页，共五十六页。 Article 41 The insured or proposer may change the beneficiary and shall notify the insurer thereof in writing. 被保险人或者投保人可以变更受益人并书面通知保险人。 Once the insurer receives written notice of the change of beneficiary, it shall endorse the same on the insurance policy document or other insurance certificate or affix an endorsement slip thereto. 保险人收到变更受益人的书面通知后，应当在保险单或者其他保险凭证上批注或者附贴批单。 第三十四页，共五十六页。 A change of the beneficiary made by the proposer shall be subject to the consent of the insurer. 投保人变更受益人时须经被保险人同意 第三十五页，共五十六页。 Article 42 In any of the following circumstances, if the insured dies, the insurance proceeds shall become part of his/her estate and the insurer shall perform its obligation of paying the insurance benefits in accordance with the PRC Inheritance Law. 第四十二条　被保险人死亡后，有下列情形之一的，保险金作为被保险人的遗产，由保险人依照《中华人民共和国继承法》的规定履行给付保险金的义务： 第三十六页，共五十六页。 Article 42 1.no beneficiary was designated or the designation of the beneficiary is unclear and determination thereof is impossible; （一）没有指定受益人，或者受益人指定不明无法确定的； 第三十七页，共五十六页。 Article 42 2. the beneficiary dies before the insured, and there is no other beneficiary; or （二）受益人先于被保险人死亡，没有其他受益人的； 第三十八页，共五十六页。 Article 42 3. the beneficiary loses or waives his/her beneficiary rights in accordance with th