What are the main forms of insurance contracts?

The insurance contract is available in both electronic and paper versions.

There are five main forms of insurance contracts:

1. Insurance policy. An insurance policy is a written offer by the policyholder to the insurer to apply to the insurer to enter into an insurance contract. The insurance policy is an integral part of the insurance contract.

2. Temporary insurance policy. A temporary insurance policy is a temporary insurance certificate issued to the policyholder before the insurer issues a formal insurance policy.

3. Insurance policy. An insurance policy is a formal written document that concludes an insurance contract between the policyholder and the insurer.

4. Certificate of insurance. The certificate of insurance refers to the written certificate issued by the insurer to the policyholder to prove that the insurance contract has taken effect. It has the same effect as an insurance policy, but it is simpler in terms of enumeration, and the certificate of insurance is also known as a small policy.

5. Endorsement. An endorsement is a written document proving that both parties to the insurance contract have modified and changed the content of the insurance policy. Once issued, the endorsement automatically becomes an integral part of the insurance contract.

Legal analysis: The forms of insurance contracts are as follows: 1. The policyholder and the insurer can adopt the form of an insurance policy; 2. The policyholder and the insurer may adopt the form of other insurance certificates; 3. The policyholder and the insurer may agree to adopt other written forms.

Legal basis: Insurance Law of the People's Republic of China

Article 10 An insurance contract is an agreement between the policyholder and the insurer on the relationship of insurance rights and obligations. The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract. An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

Article 13 The insurance contract shall be established upon the consent of the insurer when the policyholder makes an insurance request. The insurer shall issue an insurance policy or other insurance certificate to the policyholder in a timely manner. The insurance policy or other insurance certificate shall clearly state the content of the contract agreed upon by both parties.

The parties may also agree to set out the contents of the contract in other written forms. An insurance contract established in accordance with the law shall take effect from the time of its establishment. The policyholder and the insurer may agree on the validity of the contract with conditions or a time limit.

Classification according to the subject matter of insurance: property insurance contract, life insurance contract.

According to the division and change of the insurance subject, it is classified as follows: specific insurance contract, umbrella insurance contract, mobile insurance contract, and appointment insurance contract.

According to the nature of the contract, it is classified as a compensatory insurance contract and a payment insurance contract.

According to the value of the subject at the time of conclusion of the contract, whether the classification is determined: fixed value insurance contract, not such as fixed value insurance contract.

Classified according to the way the contract bears the risk responsibility: single risk contract, comprehensive risk contract, all risk contract.

1.The insurance policy, also known as the insurance policy, is a written document for the policyholder to apply to the insurance company to enter into an insurance contract, and the insurance policy itself is not a contract, but after the insurance contract is established, the insurance policy is an important part of the insurance contract.

2. The insurance policy is a formal written document of the insurance contract, which is generally issued by the insurance company; The insurance policy specifies the specific rights and obligations of both parties, mainly including the insurance clause, the policyholder and the insured, the subject matter of the insurance, the insurance period, and some other special agreements. The insurance policy is the main basis for determining the rights and obligations and claims of the insurance contract.

3. The insurance certificate is a written document issued by the insurance company to the policyholder to prove that the insurance contract has been concluded, which generally does not record the insurance clauses, and is essentially a simplified insurance policy, which has the same legal effect as the insurance policy.

The form of insurance contract mainly includes: insurance policy, insurance policy or certificate of insurance, temporary insurance policy, and other written agreements. One of the most formal and normative texts of insurance contracts.

It refers to the formal written certificate issued by the insurer to the policyholder after the insurance contract is established. Article 13 of the Insurance Law of the People's Republic of China The insurance contract shall be established if the policyholder makes an insurance request and the insurer agrees to underwrite. The insurer shall issue an insurance policy or other insurance certificate to the policyholder in a timely manner.

The insurance policy or other insurance certificate shall clearly state the content of the contract agreed upon by both parties. The parties may also work together to set out the contents of the contract in other written forms by agreement. An insurance contract established in accordance with the law shall take effect from the time of its establishment.

The policyholder and the insurance hermit may agree on the validity of the contract with conditions or a time limit.