(1) The policyholder may dispose of the rights to which the insured person is entitled on the basis of the contract of insurance in his or her own name.
(2) If an insurance policy has been issued, the policyholder is only authorised to receive benefits from the insurer, and to assign the rights of the insured person without the agreement of the insured person, if he or she is in possession of the insurance policy.
(3) The insurer is only liable towards the policyholder if the insured person has given his or her consent to the insurance.