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href="https://www.bowtie.com.hk/blog/zh/learn/%E4%BA%BA%E5%A3%BD%E4%BF%9D%E9%9A%AA%E6%98%AF%E4%BB%80%E9%BA%BC/" class="learn-menu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation"> <span class="learn-menu__number">1</span> 人壽保險是什麼？ <span class="learn-menu__icon icon-expand_more"/> </a> </li> <li class="learn-menu__row"> <a href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e7%a8%ae%e9%a1%9e/" class="learn-menu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation"> <span class="learn-menu__number">2</span> 人壽保險種類 <span class="learn-menu__icon icon-expand_more"/> </a> </li> <li class="learn-menu__row"> <a href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e4%bf%9d%e9%a1%8d/" class="learn-menu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation"> <span class="learn-menu__number">3</span> 保額及保費 <span class="learn-menu__icon icon-expand_more"/> </a> </li> <li class="learn-menu__row"> <a href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e6%8a%95%e4%bf%9d/" class="learn-menu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation"> <span class="learn-menu__number">4</span> 如何投保及索償 <span class="learn-menu__icon icon-expand_more"/> </a> </li> <li class="learn-menu__row"> <a href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e5%86%b7%e9%9d%9c%e6%9c%9f/" class="learn-menu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation"> <span class="learn-menu__number">5</span> 其他考慮因素 <span class="learn-menu__icon icon-expand_more"/> </a> </li> <li class="learn-menu__row"> <a href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e6%b0%b4%e5%b9%b3%e4%bf%9d%e8%b2%bb/" class="learn-menu__item is--active" data-track-event="Content Interacted" data-interaction-type="Page Navigation"> <span class="learn-menu__number">6</span> 你可能有興趣的保險術語 <span class="learn-menu__icon icon-expand_more"/> </a> <ul class="learn-submenu"> <li class="learn-submenu__row"> <a class="learn-submenu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation" href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e6%b0%b4%e5%b9%b3%e4%bf%9d%e8%b2%bb/"> 水平保費 </a> </li> <li class="learn-submenu__row"> <a class="learn-submenu__item is--active" data-track-event="Content Interacted" data-interaction-type="Page Navigation" href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e5%8f%97%e7%9b%8a%e4%ba%ba/"> 【保險受益人】可以寫朋友、非親屬、男/女朋友或自己嗎？ </a> </li> <li class="learn-submenu__row"> <a class="learn-submenu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation" href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e7%8f%be%e9%87%91%e5%83%b9%e5%80%bc/"> 現金價值 / 分紅 </a> </li> <li class="learn-submenu__row"> <a class="learn-submenu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation" href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e7%b4%85%e5%88%a9%e5%af%a6%e7%8f%be%e7%8e%87/"> 【紅利實現率/履行比率】最低竟然只有8%？少於4成儲蓄保險達100%？ </a> </li> <li class="learn-submenu__row"> <a class="learn-submenu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation" href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e5%be%a9%e6%ad%b8%e7%b4%85%e5%88%a9/"> 復歸紅利/ 歸原紅利 </a> </li> <li class="learn-submenu__row"> <a class="learn-submenu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation" href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e8%ba%ab%e6%95%85%e8%b3%a0%e5%84%9f/"> 身故賠償選擇 </a> </li> <li class="learn-submenu__row"> <a class="learn-submenu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation" href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e8%ba%ab%e6%95%85%e8%b3%a0%e5%84%9f-%e6%94%af%e4%bb%98%e9%81%b8%e9%a0%85/"> 身故賠償支付選項 </a> </li> <li class="learn-submenu__row"> <a class="learn-submenu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation" href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e5%85%a7%e9%83%a8%e5%9b%9e%e5%a0%b1%e7%8e%87-irr/"> IRR 內部回報率如何計算？（附例子解說） </a> </li> <li class="learn-submenu__row"> <a class="learn-submenu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation" href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e5%b9%b4%e9%87%91/"> 年金是什麼？與壽險有什麼異同？ </a> </li> <li class="learn-submenu__row"> <a class="learn-submenu__item" data-track-event="Content Interacted" data-interaction-type="Page Navigation" href="https://www.bowtie.com.hk/blog/zh/learn/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e5%9b%9e%e6%9c%ac%e6%9c%9f/"> Breakeven Year </a> </li> </ul> </li> </ol> <div><a class="btn btn--sm btn--pink" href="https://app.bowtie.com.hk/product-shelf/?couponCode=BLOGOCTINSURE&amp;lng=zh&amp;utm_source=blog-quote-button&amp;utm_medium=blog" target="_blank" data-track-event="CTA Clicked" data-interaction-type="Page Navigation">索取專屬報價</a></div> <a href="#" class="back-to-top" title="返回頁頂" data-track-event="Content Interacted" data-interaction-type="Back To Top"><span class="icon-chevrons-up"/></a> </div> </div> <div class="learn__main"> <div class="learn-post__intro"> <div class="learn-post__intro-inner"> <div class="gtm__track learn learn-life">Term-life</div> <h1 class="learn-post__title">【保險受益人】可以寫朋友、非親屬、男/女朋友或自己嗎？</h1> <div class="learn-post__desc">基於為至親提供多一份保障的心意，很多人都會買保險，尤其人壽保險，但當中受益人、受保人及保單持有人的「三角關係」卻未必人人清楚知道。</div> <div class="learn-post__info"> <div class="learn-post__info-item"> <span>更新</span> <span>2024-03-26</span> </div> </div> </div> </div> <div class="learn-post__wrap"> <div class="editor__content"> <div class="editor__item editor__adv"><a class="e-adv__link" href="https://api.whatsapp.com/send/?phone=85260165980&amp;text=我想要Bowtie人壽保專屬優惠碼" target="_blank" rel="noopener noreferrer" data-track-event="CTA Clicked" data-interaction-type="Banner"><img class="gtm_blog_post_ad1_zh lazy" data-src="" alt=""/></a></div><h2 class="editor__h2 editor__menu_anchor" id="content-1">什麼是受益人？受益人的不同類別</h2><div class="editor__item editor__text"><p><strong>受益人 (Beneficiary)</strong> 是在受保人符合理賠條件後，可申請獲得賠償的人。例如，於人壽保險中，若受保人身故，受益人可獲得保險賠償。受益人可多於一個，並按可分配不同的百份比獲得賠償。</p><p>人壽保險的受益人主要分為兩類︰</p><ol><li><span lang="ZH-TW" xml:lang="ZH-TW"><strong>可撤換受益人︰</strong>保單持有人有權更改受益人，事前<strong>毋須獲得保單列明的受益人之同意</strong>。坊間保單普遍採用此類別。</span></li><li><strong>不可撤換受益人</strong>，保單持有人<strong>沒有權力更改受益人</strong>，只可以在取得保單列明的受益人之同意下，才可以更改受益人。</li></ol></div><h2 class="editor__h2 editor__menu_anchor" id="content-2">受保人、保單持有人又有什麼分別？</h2><div class="editor__item editor__text"><p><b>保單持有人（Policyholder）：</b><span style="font-weight: 400;">即是<strong>投保人</strong>，是申請保險並與保險公司訂立保單的人，可處理保單事務，如更改資料、退保、提取現金價值等。一般需要年滿18歲。</span></p><p><b>受保人（Policy Insured）：</b><span style="font-weight: 400;">是<strong>受保單保護的人</strong>。保單持有人可以是受保人，但保單持有人與受保人也可以是兩個不同的人。由於保費是根據受保人的年齡、身體狀況及生活習慣等因素評核，所以一般情況下不可轉換。部份保單如年金保單可有多於一名受保人，如夫婦同時投保並作為受保人。</span></p></div><h2 class="editor__h2 editor__menu_anchor" id="content-3">誰可成為受益人？朋友、非親屬、未婚人士可以嗎？</h2><div class="editor__item editor__text"><p><span style="font-weight: 400;">為了規避道德風險，保險公司會套用<strong>可保權益</strong>作考量，<strong>很多時只接受為受保人的直系親屬、配偶或法定繼承人</strong>作為受益人。</span></p><p><span style="font-weight: 400;">換句話說，<strong>保險公司不會接受普通朋友作為受益人</strong>。</span><span style="font-weight: 400;">不過，</span>近年部份保險公司都進一步擴闊人壽受益人的定義。例如 Bowtie 允許<strong>同性配偶、同性未婚夫妻、無血緣關係的繼子女或繼父母</strong>成為受益人。</p><p>在 Bowtie 人壽保的核保系統中，如果要指定<strong>同性配偶</strong>或<strong>同性未婚夫妻</strong>為受益人，投保人仍可以選擇「配偶」或「未婚夫/妻」；至於<strong>繼子女</strong>或<strong>繼父母</strong>則可以選擇「子女」或「父母」作為受益人，惟要告知知 Bowtie 客戶服務團，該選擇是指繼子女或繼父母，並提供一些相關證明文件。</p></div><div class="editor__item editor__highlight_box is--tips"><span class="e-highlight__icon icon-tips"/><p><span style="font-weight: 400;">保險受益人可以是︰</span></p><ul><li><span style="font-weight: 400;">個人：子女、父母、兄弟姐妹、配偶、固定伴侶、未婚夫妻等</span></li></ul><p><span style="font-weight: 400;">（Bowtie 人壽保更接受<strong>同性配偶、同性未婚夫妻、無血緣關係的繼子女或繼父母</strong>作為受益人）</span></p><ul><li><span style="font-weight: 400;">遺產</span></li><li><span style="font-weight: 400;">公司</span></li><li><span style="font-weight: 400;">非政府機構（如慈善機構）</span></li></ul></div><div class="editor__item editor__highlight_box is--pen"><span class="e-highlight__icon icon-pen"/><h3><strong>可保權益是什麼？</strong></h3><p><span style="font-weight: 400;">假如你為自己買<a href="https://www.bowtie.com.hk/blog/zh/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa/" target="_blank" rel="noopener">人壽保險</a>，你自己既是保單持有人及受保人，這是最為常見。要是為別人投保時，需要留意，投保人與受保人之間，是需要存在<strong>可保權益</strong>。在人壽保險來說，為其他人的生命購買保險的人，必定會在受保人死後有所損失（不論情感或經濟方面）。情感上的損失會來自婚姻、血源關係和其他親密關係產生的愛和感情。配偶及18歲以下子女是有可保權益。因此，你可以為配偶及18歲以下子女投保，但一般不能為陌生人投保。</span></p><p><span style="font-weight: 400;">然而，在血緣及固定家庭關係以外也有些特別例子，好像債務人、生意合夥人(尤其涉個人業務如表演者、音樂家)、合約等關係(如公司要員)均具為可保權益，但是否受理要視乎保險公司。</span></p><p><span style="font-weight: 400;">假如投保人與受保人沒有可保權益，投保人或其他受益人將不能行使保單所賦予的索償權。可是又要留意，可保權益只需要在合約開始時存在，即使隨後出現變化，也不會影響保單有效性。例如，離婚是較常見的例子，夫妻中任何一方爲其配偶的生命投保後，即使離婚，保單仍是有效的，因此在離婚或解除婚約（以未婚夫妻為受益人的情況）時，要注意是否有需要替換受益人。 </span></p></div><div class="editor__item editor__text"><p><iframe loading="lazy" title="YouTube video player" src="https://www.youtube.com/embed/1qTN3t3uhaY?si=TCntJ3Ntjhr43RCv?enablejsapi=1" width="560" height="315" frameborder="0" allowfullscreen="allowfullscreen"/><br/></p></div><div class="editor__item editor__read_more"><div class="e-rm__title">延伸閱讀</div><ul class="e-rm__list"><li><a href="https://www.bowtie.com.hk/blog/zh/%e5%ae%9a%e6%9c%9f%e5%a3%bd%e9%9a%aa-%e7%b5%82%e8%ba%ab%e5%a3%bd%e9%9a%aa/" target="_blank" rel="noopener noreferrer">【人壽保險】定期壽險與終身壽險有咩分別？保費差幾遠？專家教你如何選擇</a></li><li><a href="https://www.bowtie.com.hk/blog/zh/%e4%ba%ba%e5%a3%bd%e4%bf%9d%e9%9a%aa-%e5%8f%97%e7%9b%8a%e4%ba%ba/" target="_blank" rel="noopener noreferrer">【人壽保險】有何作用？誰需要人壽保障？</a></li></ul></div><h2 class="editor__h2 editor__menu_anchor" id="content-4">保險受益人寫自己可以嗎？</h2><div class="editor__item editor__text"><p><span style="font-weight: 400;">不可以。如上述提及，當「受保人」離世，受益人可獲得保險賠償。如果保單的受保人為你自己，保險受益人自然不可填自己；但如果你為他人投保（譬如說：你的伴侶）受益人則可填上你的名字。</span></p></div><h2 class="editor__h2 editor__menu_anchor" id="content-5">指定受益人又有什麼好處？</h2><div class="editor__item editor__text"><p>不少保險公司（包括Bowtie）接受投保人壽保險時不指定受益人（即容許受益人一欄留空）；但如果在投保人去世時仍未指定任何合資格的受益人，人壽賠償金就會當作他們的<strong>遺產</strong>處理，由遺產繼承人接收。</p><p>即使先人有就遺產分配訂立遺囑，或家屬享有合法的遺產繼承權，也要依足法律程序申請並等待遺產承辦。須留意，遺產處理程序需時，快者需5－7個星期；若遺囑出現爭議或是較複雜的個案，更可能需要數月，甚至數年時間。</p><p>相反，透過人壽保單及早指定受益人，受益人只須透過簡單的索償程序，便能從保險公司獲得壽險賠償金（由遞交文件起計，賠償金一般可於一個月內直接過戶），受益人可以<strong>更快獲得經濟援助</strong>。</p></div><h2 class="editor__h2 editor__menu_anchor" id="content-6">善用定期人壽，以低廉保費，為心愛的人以最快速度，留低一大筆應急錢！</h2><div class="editor__item editor__text"><p><span style="font-weight: 400;">無論你的身家有多豐厚，只要是透過遺產方式繼承，就有機會因為不同因素而產生長達月計甚至年計的延誤，例如是意料之外的爭產人出現，或真假新舊遺囑的法律問題及程序等。</span></p><p><span style="font-weight: 400;">有別於遺產承繼，以人壽保險指定受益人，就能在不幸身故時，向心愛的人以最快速度，發放一大筆應急錢，確保家人短期內的生活得到保障。</span></p><p><span style="font-weight: 400;">以35歲非吸煙男性為例，每月只需付出$53，就能為家人提供100萬的人壽保障。</span></p></div><div class="editor__item editor__widget"><h3 class="LC20lb MBeuO DKV0Md"><strong><span style="color: #fe0568;">⚡Bowtie 網誌專享人壽優惠！</span></strong></h3><p><span style="color: #808080;"><span data-sheets-root="1">家中經濟支柱不幸離世，想為家人提供原有生活質素？Bowtie 人壽幫到你！</span></span></p><p><span style="color: #808080;">限時用埋 Bowtie 網誌專屬優惠碼<strong>【BLOGOCTINSURE】</strong>成功投保任何<a href="https://www.bowtie.com.hk/zh/insurance/term-life?defaultCoupon=BLOGOCTINSURE&amp;utm_source=blog-cta-button&amp;utm_medium=blog&amp;utm_content=Term%7CBlog-BLOGOCTINSURE-Offer" target="_blank" rel="noopener">Bowtie 人壽保</a>，可獲首年保費 1 折，平過恒常優惠！</span></p><p><iframe loading="lazy" src="https://www.bowtie.com.hk/quotation/?type=life&amp;defaultCoupon=BLOGOCTINSURE&amp;shouldShowBanner=true" width="100%" height="800px" frameborder="0" scrolling="no"><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; 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class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span><span data-mce-type="bookmark" style="display: inline-block; width: 0px; overflow: hidden; line-height: 0;" class="mce_SELRES_start"></span> ^{＊新客戶是指該保單受保人在申請新保單時從未持有同款 Bowtie 產品或成為同款 Bowtie 產品保單下的受保人。}

在Bowtie，指定受益人的程序如何？

以Bowtie人壽保為例，完成投保及核保程序後，你便可以選擇填寫保單受益人︰

新增受益人時，你需要填寫其中英文姓名、關係、受益比例、聯絡方法等。Bowtie 提供配偶、兄弟姊妹、子女、父母、祖父母、孫兒女、侄子/女或外甥/外甥女、父母之兄弟姊妹姐妹、表堂兄弟姊妹及未婚夫/妻共10個受益人關係選項︰
受益人關係（Bowtie 定期人壽保險－指定受益人程序）

如果你想選擇多於一名受益人，你便需要設定他們的受益比例，以下例子顯示子女及配偶各佔50%︰

Bowtie 定期人壽保險－指定受益人程序