依据《保险法》第十二条规定:“投保人提出保险要求,经保险人同意承保,并就合同的条款达成协议,保险合同成立。”在一般情况之下,如果当事人对合同没有特别约定,合同自成立时生效。但是,如果当事人对合同生效约定了附属条款,则保险合同从符合附属条款约定的生效情形开始生效。 Pursuant to Article 12 of the Insurance Law: “The insured person makes an insurance claim, the insurer agrees to cover the insured and an agreement is reached on the terms of the contract, and the insurance contract is established.” Under normal circumstances, if the parties have no special agreement on the contract, The contract takes effect since its establishment. However, if the parties agree on the supplementary terms for the contract to take effect, the insurance contract will take effect in accordance with the entry into force of the agreement as set out in the subsidiary provisions.