The subject of an insurance contract:

(1) The parties to an insurance contract: the insurer, also known as the insurer, is an insurance company that enters into an insurance contract with the applicant and undertakes the responsibility of compensation or payment of insurance benefits. The applicant, also known as the proposer, is a person who enters into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the insurance contract.

the applicant must have certain conditions, and the applicant must have corresponding capacity for rights and conduct; The applicant must have an insurable interest in the subject matter insured.

(2) Related party of the insurance contract: the insured is the person whose property or person is protected by the insurance contract and enjoys the right to claim the insurance money. The beneficiary is the person designated by the insured or the insured who has the right to claim insurance money.

(3) Assistant to insurance contract: An insurance agent is a unit or individual who collects insurance agency fees from the insurer according to the insurer's entrustment and handles insurance business on behalf of the insurer within the scope authorized by the insurer.

Extended information:

Rights and obligations of social insurance administrative organs

As the main body of social insurance, social insurance administrative organs have important obligations. As the competent authority of social insurance, this organ has the responsibility of administrative management.

first, it has the obligation to make legislative decisions, draw up plans, implement them and supervise and inspect them, so as to protect the social insurance rights enjoyed by workers. The characteristics of socialization of social insurance determine the obligation of social insurance administrative organs to implement social insurance. At the same time, the importance of social insurance to the country and society also determines the implementation of social insurance and the protection of workers' social insurance rights, which is the right of this organ.

Second, this organ is responsible for raising, managing, investing and allocating social insurance funds;

Third, this organ has the obligation and right to publicize and serve social insurance;

fourthly, this organ has the right to impose administrative penalties on acts violating the social insurance law;

Fifth, the agency represents the obligation of the state to give financial subsidies. Strengthening the management of social insurance is one aspect to be strengthened in China.

Baidu Encyclopedia-Social Insurance Subject