insurant; policy holder

简明释义

受保人

英英释义

例句

1.As a policy holder 投保人, you have the right to file a claim if an accident occurs.

作为一名投保人 policy holder，如果发生事故，你有权提出索赔。

2.The policy holder 投保人 is responsible for keeping their contact information up to date.

投保人 policy holder 有责任保持其联系信息的最新。

3.The insurant 被保险人 must provide accurate information when applying for a policy.

在申请保险时，被保险人 insurant 必须提供准确的信息。

4.An insurant 被保险人 should read the terms and conditions carefully before signing the policy.

在签署保单之前，被保险人 insurant 应仔细阅读条款和条件。

5.The insurance company sent a reminder to the policy holder 投保人 about the upcoming premium payment.

保险公司向投保人 policy holder 发送了即将到期的保费支付提醒。

作文

In today's world, understanding the roles of different parties in an insurance contract is crucial. Among these roles, the terms insurant (被保险人) and policy holder (保单持有人) often come into play. An insurant is the individual or entity that is covered by the insurance policy, while the policy holder is the person or entity who owns the insurance policy itself. These roles can sometimes overlap, but they are distinct in their functions and responsibilities.To illustrate their differences, consider a scenario where a parent purchases a life insurance policy for their child. In this case, the parent is the policy holder because they own the policy and pay the premiums. Meanwhile, the child is the insurant, as they are the one who is insured under the policy. This distinction is important because it affects how claims are made and who benefits from the policy.Understanding these definitions helps clarify the responsibilities of each party involved in an insurance agreement. The policy holder has the obligation to pay the premiums on time to ensure that the coverage remains active. Failure to do so could result in the policy lapsing, leaving the insurant without coverage. On the other hand, the insurant relies on the policy holder to maintain the policy, as they are the ones who will benefit from the insurance in the event of a claim.Moreover, the relationship between the insurant and the policy holder can vary significantly depending on the type of insurance. For instance, in health insurance, the policy holder may be an employer who provides coverage for employees, making the employees the insurants. Here, the employer manages the policy, while the employees benefit from the coverage provided.Another aspect to consider is the legal implications of being a policy holder or an insurant. The policy holder has rights that include the ability to modify the policy, change beneficiaries, and even cancel the policy if needed. Conversely, the insurant has rights related to the coverage provided, such as the right to file a claim when an insured event occurs. Understanding these rights is vital for both parties to ensure that they are adequately protected and informed about their options.In conclusion, grasping the concepts of insurant (被保险人) and policy holder (保单持有人) is essential in the realm of insurance. Recognizing the differences between these two roles not only clarifies the responsibilities of each party but also aids in navigating the complexities of insurance policies. Whether one is purchasing insurance for themselves or for another, knowing who the policy holder is and who the insurant is can make a significant difference in managing insurance effectively. As we continue to engage with various insurance products, being informed about these terms will empower us to make better decisions regarding our coverage and financial protection.

在当今世界，理解保险合同中不同方的角色至关重要。在这些角色中，术语insurant（被保险人）和policy holder（保单持有人）常常出现。insurant是指由保险政策覆盖的个人或实体，而policy holder是指拥有保险政策本身的人或实体。这些角色有时可以重叠，但在其功能和责任上是不同的。为了说明它们之间的区别，考虑一个场景：一位父母为他们的孩子购买了人寿保险。在这种情况下，父母是policy holder，因为他们拥有该保单并支付保费。同时，孩子是insurant，因为他们是保单下被保险的人。这种区分很重要，因为它影响索赔的方式以及谁能从保单中受益。理解这些定义有助于澄清每个参与保险协议的各方的责任。policy holder有义务按时支付保费，以确保保险覆盖保持有效。如果未能做到这一点，可能会导致保单失效，使得insurant失去保障。另一方面，insurant依赖于policy holder来维持保单，因为他们是将在索赔事件中受益的人。此外，insurant和policy holder之间的关系可能会因保险类型而有显著不同。例如，在健康保险中，policy holder可能是提供员工保险的雇主，使得员工成为insurants。在这里，雇主管理保单，而员工则从提供的保险中受益。另一个需要考虑的方面是作为policy holder或insurant的法律含义。policy holder享有包括修改保单、变更受益人，甚至在需要时取消保单的权利。相反，insurant享有与所提供的保险相关的权利，例如在发生保险事件时提出索赔的权利。了解这些权利对于双方至关重要，以确保他们得到充分保护并了解自己的选择。总之，掌握insurant（被保险人）和policy holder（保单持有人）的概念在保险领域至关重要。认识到这两个角色之间的差异不仅澄清了每一方的责任，还有助于驾驭保险政策的复杂性。无论是为自己还是为他人购买保险，知道谁是policy holder，谁是insurant能在有效管理保险方面产生重大差异。随着我们继续接触各种保险产品，了解这些术语将使我们能够做出更好的决定，关于我们的保障和财务保护。