Notwithstanding the foregoing, with the consent of the insured to enter into a contract for the insured, the applicant shall be regarded as having an insurable interest on the insured.

An applicant may be the insured.

If the insured is a person without civil legal capacity or a person with limited civil legal capacity, the beneficiary may be designated by the guardian of the insured.

However, even if the law defines the insured on a broad basis and also gives the right to be insured to family members of the insured, there are some vulnerable groups of the population left uncovered.

Insured value

Sum insured

Insured parties,

He insured himself.

Unless otherwise specified in the contract, in the event that the sum insured is less than the insured value, the insurer shall undertake the obligation for indemnity pro rata of the sum insured to the insured value.

With respect to life insurance, the rights of the insured or the beneficiary to claim for payment of the insurance benefits shall expire if the insured or the beneficiary fails to exercise his her rights to claim within five (5) years from the date when the insured or the beneficiary is aware of the occurrence of the insured event.

Article 63 In the event of the death of the insured, the payment of the insurance benefits shall be treated as part of the estate of the insured, and the insurer shall pay the insurance benefits to the legal heirs of the insured, if

If the sum insured is less than the insured value, the insurer shall obtain partial rights pertaining to the subject matter of the insurance which is lost or damaged on the pro rata basis of the sum insured to the insured value.

My house is fully insured.

Family members of insured parties,

In short, an overwhelming majority of Americans are insured, with government a major financer of health care. But there remain about 54 million individuals who are not formally insured, and some insured individuals still face the risk of financially ruinous medical costs if they have very expensive medical treatment.

Children of pre school age are not insured if their parent or custodian is not insured in any way.

Article 26 With respect to insurance other than life insurance, the rights of the insured or the beneficiary to claim for indemnity or payment of the insurance benefits shall expire if the insured or the beneficiary fails to exercise his her rights to claim within two (2) years from the date when the insured or the beneficiary is aware of the occurrence of the insured event.

If the insured, without the insurer's consent, waives the right of indemnity against the third party after indemnity is made by the insurer, the waiver of the insured shall be regarded as invalid.

The right to disability pension is exercised by the insured party that was mandatory or voluntarily insured by pension and disability insurance

Rights to obligatory health insurance can be exercised only by a person whose insured status is ascertained.

The sum insured shall not exceed the insured value of the subject matter of the insurance, and any portion exceeding the insured value of the subject matter of the insurance is null and void as a matter of law.

Article 60 The beneficiary of the insurance of persons shall be designated by the insured or the applicant.

The right to disability insurance is acquired by an insured person who is obligatorily or voluntarily insured by pension or disability insurance and who

deceiving the applicant, the insured or the beneficiary

Article 41 Following the occurrence of an insured event, the insured is obligated to take all necessary measures to prevent or mitigate loss or damage.

Article 120 The insurer and the insured may employ independent loss adjusting companies established in accordance with laws or experts having statutory qualifications, to carry out adjustments and assessments of losses and damages resulting from the occurrence of insured events.

Clearly, the insured risks were a small part of the total risk. Moreover, much of that risk, even if insured, continues to be borne in Japan, rather than being spread effectively to foreign investors, so Japan is still alone in bearing the costs.

It's a crying shame that they weren't insured against fire.

Article 22 When a claim for indemnity or payment of the insurance benefits is lodged with the insurer after the occurrence of an insured event, the applicant, the insured or the beneficiary shall, to the best of their knowledge and ability, provide the insurer with evidence and information which is relevant to ascertain the nature of, the cause for and the extent of the loss due to the occurrence of the insured event.

Article 27 The insurer may terminate the insurance contract and refuse to return the premiums paid if the insured or the beneficiary falsely claims that an insured event has occurred, and submits a claim for indemnity or payment of the insurance benefits, although such insured event has not occurred.

The insurer may, with the consent of the insured, take safety preventive measures to protect the subject matter of the insurance.

Article 21 The applicant, the insured or the beneficiary shall notify the insurer in a timely manner of the occurrence of any insured event once it is known to them.

Article 39 The insured value of the subject matter of the insurance may be agreed by the applicant and the insurer, and specified in the contract or it may be assessed based on the actual value of the subject matter of the insurance at the time of the occurrence of the insured event.

Children of the insured are also insured from 15 to 26 years of age if they are regular students in secondary or higher education, i.e. during the period of regular schooling.

deliberately causing the occurrence of an insured event in the insurance of persons, which leads to the death, injury or illness of the insured, whereupon an insurance claim is fraudulently made or

Article 131 An applicant, an insured or a beneficiary, who commits insurance fraud by conducting any of the following acts which constitutes a crime, shall be subject to criminal proceedings in accordance with laws

the beneficiary dies before the insured without other beneficiary being designated or

In accordance with the law, the resources of the pension and invalid insurance are provided by the insured parties, employers, and the state.

Distribution of resources is done on the basis of contracts with health care institutions, in such a way that funds follow the insured.

The insurer shall bear the expenses necessarily and reasonably incurred by the insured in taking measures to prevent or mitigate further loss or damage of the subject matter of the insurance after the occurrence of the insured event the amount of such expenses borne by an insurer shall be calculated separately from the indemnity for the loss of the subject matter of the insurance and it shall not exceed the sum insured.

The rights to a pension and disability insurance are provided for in accordance with the law for insured persons by employers and the State.

The applicant may change the beneficiary subject to the consent of the insured.

If the beneficiary has intentionally caused the death or disability of the insured, or attempted to cause the death of the insured or the beneficiary shall lose his her right to claim the insurance benefits.

They include obligatory pension or disability insurance and voluntary insurance for people in accordance with the laws, rights to old age pensions, disability pension due to reduction or loss of work ability and the death of the insured, and the provision of social security to insured persons and their family members.

The subject matter of the insurance refers either to the property of the insured and related interests associated therewith, or to the life and the body of the insured, which is the object of the insurance.