记名被保险人 named insured

在保单中载明受保单保障的人。在寿险和健康保险合同中，以保单中特别写明的人、组织、企业的名字作为被保险人。在财产险或责任险保单中特指的人、组织、企业作为被保险人。有的保单也规定，经被保险人应允使用被保险财产的人也受到保险保障。如得到投保个人汽车险的车主允许驾驶汽车的人。例外情况是，如两人拥有的房子，在住户综合保险单上只记名一人，另一人的利益则得不到保障。

The Named Insured is the person (or people) or business (or businesses) actually named in the policy. There can be more than one named insured, and you can usually find these on the first page. In most cases, the business will be the only named insured, but the owners or subsidiaries can also be Named Insureds. In terms of cover, Named Insureds have the broadest protection and indemnity under the policy. The named insured will typically be in charge of choosing coverage types and amounts, will receive the premium notice and any notices of cancellation, and will assume responsibility for payment of premiums. 具体例句如下，供参考：

例句1

There aren’t huge practical differences between a named insured and an additional named insured as both are entitled to the full benefits of the policy. There are however differences for a named additional insured due to the terms of the endorsement. Additional Insureds not have coverage for claims against them that aren’t related to claims against the primary insured.

记名被保险人和附加记名被保险人之间没有巨大的实际差异，因为两者都有权享受保单的全部利益。但是，由于背书条款的不同，附加记名被保险人也有所不同。附加被保险人不承保与主要被保险人索赔无关的索赔。

例句2

For example, named insureds on commercial auto insurance policies are required to report cases of property damage or bodily injury to their insurance company. They are obligated to notify police in the event of vehicle theft. General liability insurance policies require that named insureds keep records of the information insurers need to calculate a policy’s premium.

例如，商业汽车保单上的记名被保险人被要求向他们的保险公司报告财产损失或身体伤害的情况。他们有义务在车辆被盗时通知警方。一般责任保单要求记名被保险人保存保险人计算保单保费所需信息的记录。

例句3

An insured is any person who’s covered by an insurance policy. A named insured is the insured who the policy mentions explicitly by name. Think of the named insured as the owner of an insurance policy: they pay for it, they choose which coverages they want in it, and they’re allowed to change or cancel it. However, most insurance policies also extend coverage to certain people whose names don’t appear on the policy. Instead of naming them, the policy describes them: the named insured’s spouse, the named insured’s dependants, and so forth.

被保险人是指任何保单涵盖被保险人。记名被保险人是指保单明确指名提及的被保险人。把记名被保险人想象成保单的所有者：他们支付费用，选择他们想要的保险范围，并且他们可以更改或取消它。然而，大多数保单也将保险范围扩大到某些名字没有出现在保单上的人。保单并没有给出他们的名字，而是对其予以说明：记名被保险人的配偶，记名被保险人的家属，等等。

例句4

Those unnamed people are just called “insureds.” They’ve got some coverage under the policy, but they’re not allowed to make changes to it. They also might not have coverage under every part of the policy. Generally, only the named insured gets the benefits of the whole policy. Other insureds may have coverage under one section but not another.

那些未记名的人仅被称为“被保险人”。他们在保单下有一些保障，但不允许他们对其进行修改。他们也可能没有保险。一般来说，只有记名被保险人才能获得整个保单的利益。其他被保险人可能在一个部分有保险，但在另一个部分没有。