How to check whether a deceased person purchased insurance:

1. Comprehensively sort out the relevant belongings of the deceased person. If you can find the relevant insurance policy, it will be very convenient and fast.

But this applies to people with paper policies. Many insurance companies now advocate electronic policies. Maybe the customer did not save the paper policy, or the paper policy was lost.

2. Recall whether the deceased had any insurance personnel who were familiar with him before. If so, you can ask them if they knew about it.

However, this method also involves luck. Unless it is certain that the customer only insures with this person, there will inevitably be omissions.

3. Whether the insured has logged into the "China Insurance Master" official account or the "Jinshi Tong" APP during his lifetime. These are unified query platforms in the insurance industry, and you can query most of the information under your name. Insurance policy.

This method is the most comprehensive. If the deceased person logged in before his death, you only need to log in with the deceased person's commonly used login password to query. However, it is not applicable to the deceased group. Face recognition is required for first login.

4. Check the deceased person’s mobile phone text messages. Most insurance companies will send text messages to the customer’s mobile phone after the insurance is successful. Therefore, you can check whether the deceased person’s mobile phone has relevant content before, but this This method may not be comprehensive.

5. This may be the stupidest but most comprehensive method. So far, there are about 200 insurance companies in China. Basically, most insurance companies provide customer service, so you can call For the purpose of reporting a crime, use the identity card of the deceased person to inquire. This method is stupid, but it should be the most effective and comprehensive method.

As for other methods, there are other methods such as checking bank statements, but now many of them may be Alipay payment or WeChat payment, which may not be direct bank payment. Those who are interested can also try it.

Insurance interest:

Insurance interest refers to the legally recognized interest that the policy holder has in the subject matter of the insurance. Usually the policyholder will suffer financial losses due to damage or loss of the insured subject matter, and gain income from the preservation of the insured subject matter. Insurable interest can only be established when the insurable interest is a legally recognized, economic, certain and not an expected interest. Generally speaking, the insurable interest of property insurance exists when the insured accident occurs, and then the loss can be compensated; the insurable interest of personal insurance must exist when the insurance contract is concluded to prevent moral hazard.

Take life insurance as an example. The policy holder has unlimited insurable rights and interests for himself and his spouse. In some countries and regions, if the policy holder and the insured are related by blood, they can also constitute insurable rights and interests. In addition, creditors also have an insurable interest in debtors who have not repaid their loans.

The conditions for its establishment are: the insurance interest must be a legitimate interest, the insurance interest must be an economically valuable interest, the insurance interest must be a definite interest, and the insurance interest must be an interest with a stake.