1.身故受益人沒有限制受益人指定方式或人別。

2.受益人可以為要保人以外第三人，但若不指定配偶、直系親屬或法定繼承人則要／被保險人需填寫補充聲明書(避免道德危險)。

3.若不指定受益人則身故保險金會列為被保險人之遺產。

4.團體傷害險之受益人，以被保險人的家屬或其法定繼承人為限。(依條款)

 

1. No restrictions on beneficiary designation method or identity
2. Beneficiaries can be third parties other than the policyholder, but a supplementary declaration is required if not designating spouse, direct relatives, or legal heirs (to prevent moral hazard)
3. If no beneficiary is designated, death benefits become part of the insured's estate
4. For group accident insurance, beneficiaries are limited to the insured's family members or legal heirs (as per policy terms).