《中华人民共和国保险法》(以下简称《保险法》)规定:“投保人是指与保险人订立保险合同,并按照保险合同负有支付保险费义务的人。”此外,投保人还享有持有、解除保险保同,了解、申请变更保险合同内容,申请恢复保险合同效力,申请保单质押贷款等权利;并承担如实告知、阅读条款、 The People’s Republic of China Insurance Law (hereinafter referred to as the “Insurance Law”) stipulates: “An applicant is a person who has an insurance contract with the insurer and is obligated to pay insurance premiums under the insurance contract.” In addition, the insured person also has the right to hold, Remove the insurance contract, understand, apply for changes in the contents of the insurance contract, apply for the restoration of the effectiveness of the insurance contract, apply for a policy of pledged loans and other rights; and bears true disclosure, read the terms,