保险合同是投保人与保险人约定保险权利义务的协议,保险合同是否必须按法定形式或手续订立,也即保险合同是否为要式合同,是一个涉及具体保险合同能否生效及何时生效的重要问题,具有较强的实践意义。 所谓要式合同,是指必须按照法律规定的形式或手续订立的合同,与此相对应的一个概念为不要式合同,即法律不要求必须以某种形式订立,当事人可以任意采取何种形式都为有 An insurance contract is an agreement between the applicant and the insurer on the obligation to insure the insurance. Whether the insurance contract must be concluded according to the statutory form or formalities, that is, whether the insurance contract is an important contract is whether the contract is effective and when the specific insurance contract takes effect Important issues, with strong practical significance. The so-called contract is the contract must be in accordance with the law form or formalities, a concept corresponding to the unimportant contract that the law does not require the form must be some form, the parties can take any form Yes there