How can the deceased inquire about insurance?

How to check whether the deceased has purchased insurance;

1. comprehensively sort out the related relics of the deceased. If you can find the relevant insurance policy, it will be quite convenient and fast.

However, this applies to people who have paper insurance policies. Nowadays, many insurance companies advocate electronic insurance policies. Maybe the customer didn't keep the paper insurance policy, or the paper insurance policy has been lost.

2. Think back to whether the deceased had any familiar insurance companies before his death, and if so, ask them if they knew.

However, this method also has an element of luck. Unless it is certain that the customer is only insured by this person, there will inevitably be omissions.

3. Did the insured log in to the official account of China Insurance Know-it-all WeChat or Jinshitong APP before his death? These are the unified inquiry platforms of the insurance industry, and you can find most of the policies under his name.

This method is the most comprehensive. If the deceased logged in before his death, he can now log in with the login password commonly used by the deceased. But it is not suitable for dead groups, and face recognition is needed for the first login.

4. Check the text messages of the deceased. Most insurance companies will send successful short messages to their mobile phones after their customers have successfully insured, so they can check whether there is relevant content in front of the deceased's mobile phones, but this method may not be comprehensive.

This is probably the stupidest but also the most comprehensive method. So far, there are about 200 insurance companies in China, most of which provide customer service. So you can make a phone call and use the identity card of the deceased to inquire. This method is stupid, but it should be the most effective and comprehensive method.

As for the others, there are methods such as checking bank flow, but now many of them may be Alipay payment or WeChat payment, not necessarily direct payment by banks. If you are interested, you can try it.

Insurable interest:

Insurable interest refers to the legally recognized interest of the insured in the subject matter insured. Usually, the insured will suffer economic losses due to the damage or loss of the subject matter insured and gain benefits due to the preservation of the subject matter insured. Insurable interest can only be established if it is legally recognized, economically determined and unpredictable. Generally speaking, the insurable interest of property insurance exists when the insured accident occurs, and then the loss can be compensated; The insurance interest of life insurance must exist when the insurance contract is concluded to prevent moral hazard.

Taking life insurance as an example, the insured has unlimited insurable rights and interests for himself and his spouse. In some countries and regions, if the insured and the insured are related by blood, they can also constitute insurable rights and interests. In addition, creditors also have insurable rights and interests to debtors who have not paid off their loans.

The conditions for its establishment are: the insurable interest must be legal, of economic value, certain and interested.