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人身保险合同的成立取决于合同承诺的方式,签发保险单或其他保险凭证、保险人在投保单上核保签章、保险人或其代理人接受投保人交付的保险费及其他足以表明承诺意思的行为均构成承诺。一经承诺合同成立旦不必然生效,人身保险合同的生效除须具备一般合同的生效要件外,还受“零时起保制”的约束。另外,基于人身保险合同的特殊性,交纳保险费或第一期保险费当为合同生效的要件。
The establishment of a life insurance contract depends on the way the contract is promised, issuing a policy or other insurance certificate, the insurer insuring the signature on the policy, the insurer or his agent accepting premiums from the policyholder, Commitments are made. Once promised that the establishment of a contract does not necessarily take effect, the entry into force of a life insurance contract shall be governed by the “zero-day guarantee” in addition to the entry into force of a general contract. In addition, based on the particularity of the life insurance contract, the payment of insurance premiums or the first installment of premiums is an essential element of the contract.