投保人（Insurance applicant/Policy holder）：是指与保险人订立保险合同，并按照合同约定负有支付保险费义务的人。是保险合同的当事人。

An insurance applicant means a person who enters into an insurance contract with an insurer and performs the obligation of paying an insurance premium under the insurance contract.

认定某人为保险合同的投保人，应考量两个要件：

（1）形式要件－保险合同关系的一方。

（2）实质要件－承担支付保险费义务。

保险人（Insurer）：又称“承保人”，是指与投保人订立保险合同，并按照合同约定承担赔偿或者给付保险金责任的保险公司。

An insurer means an insurance company which enters into an insurance contract with an insurance applicant and is liable for paying indemnity or insurance benefits under the insurance contract.  

保险人是法人，公民个人不能作为保险人。 保险人的具体形式有保险股份有限公司、相互保险公司、相互保险社、保险合作社、国营保险公司及专业自保公司。

被保险人（Insured）：亦称“保户”，是指其财产或者人身受保险合同保障，享有保险金请求权的人。投保人可以为被保险人。

被保险人可以是法人，也可以是自然人。在财产保险中，被保险人通常就是投保人；在人身保险中，若投保人为自己投保，投保人就是被保险人，若投保人为他人投保，他人是被保险人。

An insured means a person whose property, life or body is covered by an insurance contract and who is entitled to claim the insurance money. An insurance applicant may be the insured.

受益人（Beneficiary）：是指人身保险合同中由被保险人或者投保人指定的享有保险金请求权的人。投保人、被保险人可以为受益人。

A beneficiary means a person designated by the insured or insurance applicant in a personal insurance contract to be entitled to claim the insurance money. An insurance applicant or insured may be a beneficiary.

参考双语例句：

The Administration informed Members that the Code of Practice for insurance agents, issued by the Hong Kong Federation of Insurers and the Insurance Authority, already requires an appointed insurance agent to identify himself and disclose his principal insurers when contacting a potential policy holder. 

政府当局告知条例草案审议委员会的成员，由香港保险业联会和保险业监督发出的保险代理人工作守则，已经规定获委任的保险代理人在联络有意投保人士时，必须表明身份，并且透露主要承保人的资料。

Dependent or Eligible Dependent means the Insured's Spouse under age 70; or Child who: (a) Is under 26 years of age; and (b) Is not provided coverage as a named subscriber, insured, enrollee, or coverage person under any other group or individual health benefits plan, group health plan, church plan, or health benefits plan, or entitled to benefits under Title XVIII of the Social Security Act, Public Law 89-97, 42 U.S.C. section 1395 et seq.

家属或者合格家属指的是被保险人70岁以下的配偶，或者满足以下条件的子女：(a)年龄在26岁以下；并且(b)不是作为任何其他团体或者个人健康保险计划、团体保健计划、教堂计划或者健康保险计划的指定认购人、被保险人、参与人或者受保人而接受保险，或者有权获得《社会保障法》第XVIII篇、《公法》89-97、《美国法典》第42篇第1395条等规定的给付；或者(c)医生从医学角度证实患有智力残疾或者肢体残障并且依赖于被保险人的任何年龄的子女。

In accordance with article 8 of the Act, insurance is provided in the form of assistance for temporary occupational incapacity determined in connection with an insurable event and paid from the funds of the compulsory social insurance scheme for industrial accidents and occupational diseases; in the form of insurance payments: a onetime insurance payment to the insured person or to persons entitled to receive such payment in the event of the insured person’s death, and monthly insurance payments to the insured person or to persons entitled to receive such payments in the event of the insured person’s death; and in the form of the payment of additional expenses associated with medical, social and occupational rehabilitation of the insured person if the insured event has direct consequences.

根据《联邦法》第8条，保险的保障形式包括：由工伤和职业病强制性社会保险支付保险事故的暂时丧失劳动能力的补助金、向被保险人或被保险人死亡时有权领取该笔保险金的人士一次性或按月支付保险赔偿金、偿付由保险事故直接引起的被保险人在医学、社会和职业恢复中产生的额外费用等。