1. The insurance policy is lost and can be reissued. The parties concerned can go to the insurance company for a replacement, and bring the identity certificates and relevant materials of the insured and the insured to the counter of the insurance company for handling. An insurance contract is a voucher for purchasing insurance, which consists of an application form, an insurance policy, contract terms and an approval form. Involving the collection of insurance money and subsequent claims, the parties need to keep it properly.
2. Legal basis: Article 12 of People's Republic of China (PRC) Insurance Law.
When concluding an insurance contract, the applicant for life insurance shall have an insurable interest in the insured.
The insured of property insurance shall have an insurable interest in the subject matter insured at the time of the insured accident.
Personal insurance is an insurance with human life and body as the subject matter.
Property insurance is insurance with property and its related interests as the subject matter.
The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. The applicant can be the insured.
Insurable interest refers to the legally recognized interest of the insured or the insured in the subject matter of insurance.
Second, what is the insurance claim process?
The insurance claim process is as follows:
1. The beneficiary reports the case to the insurance company;
2. The staff of the insurance company collects relevant materials of the insured;
3, the staff to conduct a preliminary review of materials;
4. Conduct coordination talks or insurance claim investigation.