Who should I name as beneficiary? Who receives the death benefit in Luoyang?

[Direct conclusion] 【Accidental death and disability benefits go to the beneficiary, while medical and hospital cash benefits go to the insured person. Key points to keep in mind: 1. You may name a beneficiary or leave it to statutory inheritance; the two differ greatly in how hard the money is to collect.】 Who is paid: Naming a beneficiary saves a great deal of paperwork later, and in practice it is overlooked more often than the size of the cover. 2. | Item | Paid to | |---|---| | Accident medical | the insured | | Disability benefit | the insured | | Death benefit | named or statutory beneficiary | | Death of a minor | statutory cap applies | ◆ Tip: naming a beneficiary is far easier than leaving it to law, since no full gathering of heirs is needed. 3. Spend one minute filling it in and your family will thank you. 4. We sign formal contracts and issue proper receipts with full after-sales support; call for consultation and booking. Note: Travel insurance is a supplement, not a substitute for a health check. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.