Câu hỏi 170. Quyền lợi của người được bảo hiểm trong hợp đồng bảo hiểm nhóm có gì khác so với quyền lợi của người được bảo hiểm trong hợp đồng bảo hiểm nhân thọ dành cho cá nhân?

Câu hỏi 170. Quyền lợi của người được bảo hiểm trong hợp đồng bảo hiểm nhóm có gì khác so với quyền lợi của người được bảo hiểm trong hợp đồng bảo hiểm nhân thọ dành cho cá nhân?

Trả lời:

 

Quyền lợi của người được bảo hiểm trong hợp đồng bảo hiểm nhóm về cơ bản không có gì khác so với trong hợp đồng bảo hiểm nhân thọ cá nhân. Tuy nhiên cũng có một số điểm khác biệt đó là: “Thông thường hợp đồng bảo hiểm nhóm có mức phí thấp hơn so với hợp đồng bảo hiểm cá nhân; mặc khác người được bảo hiểm trong hợp đồng bảo hiểm nhóm có quyền chỉ định người thụ hưởng trong trường hợp mình qua đời. Trong khi đó, một điều thường thấy đối với các hợp đồng bảo hiểm cá nhân là người tham gia bảo hiểm – người chủ hợp đồng – chính là người có quyền chỉ định người thụ hưởng (Tất nhiên, trong bảo hiểm nhân thọ cá nhân, người tham gia bảo hiểm và người được bảo hiểm có thể là một).

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