保单中经常会使用保险人、被保险人、投保人、受益人等措辞，在填写保单之前需要了解他们各自所表示的不同含义，并且需要注意中国大陆与香港在某些方面所使用的表达也不同，下面根据《中华人民共和国保险法》和香港《保险业条例》的相关规定了解一下上述四类“人”的含义以及对应英文：

 

保险人-insurer

定义：指与投保人订立保险合同，并按照合同约定承担赔偿或者给付保险金责任的保险公司。

例句：

Where a contract of insurance in relation to any class of insurance business (not being reinsurance business) is entered into by an insurer in contravention of section 6(1), the contract shall, at the option of the policy holder, be either—

(a) enforceable against the insurer by the policy holder, and notwithstanding that contravention; or

(b) void by reason of that contravention.

凡保险人在违反第6(1)条下订立与任何类别的保险业务(但并非属再保险业务)有关的保险合约，该合约可由保单持有人选择是否——

(a) 即使在违反上述规定下，仍可由保单持有人强制保险人履行；或

(b) 基于违反上述规定而属无效。

（香港《保险业条例》（第41章）第6A(1)条）

 

被保险人（香港称为“受保人”）-the insured/insured person

定义：指其财产或者人身受保险合同保障，享有保险金请求权的人。投保人可以为被保险人。

例句1：

For the purposes of the definition of special purpose business, a contract of insurance entered into between an insurer and a person as the insured under the contract is fully funded if the value of the assets held under the terms of the contract by, or on behalf of, the insurer for the benefit of the insured is not less than the amount of the insurer’s liabilities (whether actual or potential) under the contract at any time and under all reasonably foreseeable circumstances, taking into account—

(a) the obligations of the insurer towards the insured under the contract; and

(b) the expenses the insurer expects to incur. (Added 17 of 2020 s. 3)

就特定目的业务的定义而言，如符合下述条件，则保险人与某人(该合约所指的受保人)订立的保险合约，即属全期资可抵债：该保险人(或另一人代该保险人)为了该受保人的利益而根据该合约的条款所持有资产的价值，在任何时间及所有可合理预见的情况下，并在顾及下列项目后，均不少于该保险人根据该合约所负的法律责任(不论是实际或潜在者)的款额——

(a) 该保险人根据该合约对该受保人所负的义务；及

(b) 该保险人预期招致的开支。(由2020年第17号第3条增补)

（香港《保险业条例》（第41章）第2(8)条）

 

例句2：

Effecting and carrying out contracts of insurance providing fixed pecuniary benefits or benefits in the nature of indemnity (or a combination of both) against risks of the persons insured—

(a) sustaining injury as the result of an accident or of an accident of a specified class, or

(b) dying as the result of an accident or of an accident of a specified class, or

(c) becoming incapacitated in consequence of disease or of disease of a specified class,

inclusive of contracts relating to industrial injury and occupational disease but exclusive of contracts falling within class 2 below or class D above.

订立与执行以下保险合约：提供固定的金钱利益或弥偿性质的利益(或两者兼备)，以承保受保人以下风险的合约——

(a) 因意外或某指明类别的意外而受伤，或

(b) 因意外或某指明类别的意外而死亡，或

(c) 因疾病或某指明类别的疾病而变为无行为能力，

包括有关工伤及职业病的合约，但不包括属于下述类别2或上述类别D的合约。

（香港《保险业条例》（第41章）附表1第3部分）

 

投保人（香港称为“保单持有人”）-policy holder

定义：指与保险人订立保险合同，并按照合同约定负有支付保险费义务的人。

例句：

The Authority may, at the request of an authorized insurer and provided that the Authority is satisfied that it would not be contrary to the interests of policy holders to do so, exempt, in writing, the insurer from the requirements of subsection (3)(b) and the Authority may attach such conditions to, or limitations in respect of, the exemption as the Authority considers appropriate including, without limiting the foregoing, a limitation on the duration of the exemption. (Amended 12 of 2015 s. 2)

如任何获授权保险人提出要求，而保监局又信纳不会违反保单持有人的利益，则保监局可以书面豁免该保险人遵从第(3)(b)款的规定，并可就该项豁免附加其认为合适的条件或限制，包括(但不局限前述条文)对豁免期作出规限。(由2015年第12号第2条修订)

（香港《保险业条例》（第41章）第25A(4)条）

 

受益人-beneficiary

定义：指人身保险合同中由被保险人或者投保人指定的享有保险金请求权的人。投保人、被保险人可以为受益人。

例句：

Beneficiary: This is the person(s) who will receive the money from the insurer if the relevant conditions under the policy have been fulfilled. Subject to the policy terms, a policyholder of a single policy may assign more than one beneficiary and allocate a percentage of the benefits to each beneficiary.

受益人：当符合保单的相关赔偿条件后，将会获得保险赔偿的人。视乎保单条款，一份保单的受益人可多于一位，并可就不同受益人分配不同的赔偿百分比。

 

 

 

来源：

《中华人民共和国保险法》

香港《保险业条例》

https://education.ia.org.hk/sc/tool/glossary.html