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合同的效力形态有有效、无效、效力待定、可撤销可变更四种,但是我国现行《保险法》只明确规定了有效合同和无效合同。由于保险合同是直接记载合同双方当事人权利义务的凭证,其具体效力形态直接影响投保人、被保险人和受益人能否按照合同约定得到应有保障,因此有必要对《保险法》中有关保险合同的效力形态进行完善。本文着重分析了效力待定保险合同和可撤销、可变更保险合同在《保险法》中予以明确规定的可能性和必要性。
Effectiveness of the contract form, invalid, to be determined, can be revoked to change four, but China’s current “Insurance Law” only clearly provides a valid contract and invalid contract. Since the insurance contract is a document that directly records the rights and obligations of the parties to the contract, the specific effectiveness of the insurance contract directly affects the insurant, whether the insured and the beneficiary can get the guarantee as required by the contract. Therefore, it is necessary to review the relevant insurance contracts in the Insurance Law Effectiveness of the form of perfection. This article focuses on the possibility and necessity of specifying the validity of the pending insurance contract and the revocable insurance contract in the Insurance Law.