Can the applicant change?

The written consent of the insured shall be obtained. The applicant can be the parents, spouse, children or other interested parties of the insured. If changes are made due to the death of the insured, it is necessary to bring the death certificate of the insured to the insurance company to make changes.

Insurance change policyholders need the following procedures:

1. The applicant for reissue must have proof of insurance interest relationship with the insured, household registration book, birth certificate, etc. ;

2. If the original applicant's entrustment is not accepted, the applicant on the policy must handle it in person before the change;

3. You can accept the entrustment of the current insured, and the insured who wants to change can entrust it;

4. Signature of the insured for confirmation;

5. The documents provided are the original applicant's ID card, the current applicant's ID card, and the insurance interest relationship between the insured and the current applicant;

6. Fill in the change application form, which shall be signed by the original applicant, the current applicant and the insured. If the current applicant cannot come, a power of attorney should be provided.

To sum up, the change of the insured should be signed and agreed by the insured (or his legal guardian), the original insured and the changed insured. If the original applicant is unable to sign in person due to his death, disappearance or other special reasons, relevant certificates (death certificate or public security bureau certificate or court judgment) shall be provided.

Legal basis:

Article 10 of People's Republic of China (PRC) Insurance Law

An insurance contract is an agreement between the applicant and the insurer on the relationship between insurance rights and obligations.

The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract.

An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.

Article 13

The applicant requests insurance, the insurer agrees to underwrite, and the insurance contract is established. The insurer shall issue an insurance policy or other insurance certificate to the applicant in time.

An insurance policy or other insurance certificate shall specify the contents of the contract agreed by both parties. The parties may also agree to clarify the contents of the contract in other written forms.

An insurance contract established according to law shall take effect upon its establishment. The applicant and the insurer may attach conditions or time limits to the validity of the contract.