理赔保险责任受益人法定是什么意思？-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	理赔保险责任受益人法定是什么意思？
释义	简单来说，受益人就是不幸发生意外之后，被保险人的保险金会给到谁的手里。一般来说受益人会分为“法定受益人”和“指定受益人”两种。指定受益人：被保险人可以根据自己的意愿来指定身故理赔款的受益人、受益比例以及收益顺序；也就是说想给谁就给谁，而且可以同时吵桥指定多个受益人。法定受益人：如果没有明确指定，保险公司就会默认法定继承人为法定受益人，即按照继承法分配。法律依据: 《中华人民共誉碰指和国保险法》第三十九条人身保险的受益人由被保险人或者投保人指定。投保人指定受益人时须经被保险人同意。投保人为与其有劳动关系的劳动者投保人身保险，不得指定被保险人及其近亲属以外的人为受益人。被保庆配险人为无民事行为能力人或者限制民事行为能力人的，可以由其监护人指定受益人。
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