The beneficiary is the person who can request the insurer to pay the insurance money when the insurance accident occurs. The insurance contract for specifying the insurance beneficiary is much similar to the contract for the third party in Article 269 of Civil Code, however there is still difference between each other. The provision of the beneficiary is applicable to the life insurance, but is it also applicable to the property insurance? Article 5 of Insurance Act of the Republic of China provides the meaning of the word-"beneficiary", in addition Article 110 to 114 provide the method for determining beneficiaries. There is also the stipulation of the word-"beneficiary" in Article 45 and 52. However, can these two articles be the basis to confirm the definition of insurance beneficiary? There is room for discussion. The case for Taiwan High Court Civil Judgment Bao Sian Shan Yi No. 4 (2011) also discussed the problem of Article 45 & 52 of Insurance Act. So this article will discuss problem from this fact of the case and will have some suggestion.