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人身保险合同的中止是指保险合同因一些主客观原因,投保人缴纳首期保费后未能按期缴纳续期保费,而导致合同效力在保费缴纳的宽限期届满后短暂性地自动失效。而人身保险合同的复效,指的就是人身保险合同被中止的效力的恢复,指投保人因为自身的一些主观或者客观的原因使得保险合同暂时失去效力之后,又想使保险合同的效力得以继续,就应当在法律规定的期限内补缴相应的保费以及利息,继而提出书面的申请。我国现有《保险法》关于人身保险合同复效问题的界定及阐述仍存在一些问题,本文将浅析其中的不足之处,并对其完善对策加以探讨。
The suspension of the life insurance contract means that the insurance contract fails to pay the renewed premium on time due to some subjective and objective reasons after the insurant has paid the first premium, resulting in the contract validity being automatically and temporarily invalidated after the grace period of the premium payment expires. However, the reinstatement of the life insurance contract refers to the restoration of the validity of the termination of the life insurance contract. After the insured person temporarily loses its validity due to some subjective or objective reasons, he also wants to continue the validity of the insurance contract , It shall pay the corresponding premium and interest within the time limit prescribed by law and submit a written application. There are still some problems in the definition and elaboration of the existing problems of the life insurance contract in China’s current “Insurance Law”. This article will analyze the shortcomings and discuss the measures to improve it.