中文：

投保人是指与保险公司签订保险合同的自然人或法人，并按照保险合同的约定支付保险费。投保人是保险合同的当事人，享有保险合同赋予的权利和义务。在签订保险合同时，投保人应当如实告知保险标的和被保险人的有关情况，提供必要的资料和证明文件。如果投保人未履行如实告知义务，保险公司有权解除保险合同或者不承担赔偿责任。

在保险合同有效期内，投保人可以向保险公司申请变更合同内容，比如增加或减少保险标的数量、变更被保险人等。如果发生保险事故，投保人应当及时通知保险公司并提出索赔申请。保险公司会根据保险合同的约定进行核赔，并支付相应的赔偿金。

英文：

The policyholder refers to the natural person or legal entity that signs the insurance contract with the insurance company and pays the premium according to the terms of the insurance contract. The policyholder is an party to the insurance contract and has the rights and obligations stipulated in the insurance contract. When signing the insurance contract, the policyholder shall truthfully disclose the relevant information about the insurance标的and the insured, and provide necessary materials and certification documents. If the policyholder fails to fulfill the obligation of truthful disclosure, the insurance company has the right to terminate the insurance contract or not assume the compensation responsibility.

During the effective period of the insurance contract, the policyholder can apply to the insurance company for a change to the contract, such as increasing or reducing the number of insurance items, changing the insured, etc. If an insurance accident occurs, the policyholder shall notify the insurance company in a timely manner and apply for a claim. The insurance company will conduct a review and payment of compensation in accordance with the terms of the insurance contract.