保险合同的订立过程就是当事人通过协商就合同的条款达成一致的过程,保险合同成立之后,投保人的基本义务就是按保险合同的约定缴纳保险费,保险人的义务则是按合同约定的时间开始承担保险责任。基于保险合同的双务有偿以及诺成性质,当投保人延迟交付保险费时,保险人一般仍需要履行其对价义务,但当事人已做出某些约定时除外。 After the insurance contract is established, the basic obligation of the insured is to pay the premium according to the stipulations in the insurance contract, and the obligation of the insurer begins at the time agreed upon in the contract. Bear the insurance responsibility. Based on the double-paid and promise-based nature of insurance contracts, insurers generally still have to fulfill their obligation to pay when the policy holder delays the delivery of insurance premiums, except when the parties have made certain stipulations.