Insurance contract and insurance liability please enter for legal professionals .

Clause. 1. The entry into force of the insurance contract does not mean the beginning of the insurance liability (depending on the specific terms, the entry into force of the general accident insurance contract means the beginning of the insurance liability, but the general health insurance or critical illness insurance has an exemption period of 90 days or 180 days, and the observation period will only mean the beginning of the insurance liability, you can look at the insurance contract of the insurance you have purchased).

Clause. 2. The insurance effect and insurance liability should be equivalent, but it is necessary to make sure that your contract has not lapsed or that your contract has passed the exemption period.

Clause. 3. There is a grace period for the payment period of the general contract, generally 60 days, in 60 days you have not paid the contract or in the effective period also means that your contract is still effective, but more than 60 days have not been paid, then your contract will be invalid, that is, the insurance contract is temporarily suspended, why the insurance accident that occurred during the suspension of the insurance company will not be claimed! (There are provisions in the insurance contract, and there are also provisions in the Insurance Act).

So even though paying the insurance premium is an obligation that the policyholder must fulfill!

First, the effect is effective because of the responsibility.

Second, it depends on the contract.

Thirdly, it is an invalid contract and no fees have been paid.

According to Article 14 of the Insurance Law, after the insurance contract is established, the insurer shall begin to bear the insurance liability according to the agreed time.

Therefore, if you have a question in the first question, you should bring the insurance period, that is, the contract performance period, because the insurance contract can take effect in August and the insurance liability starts in September.

The second question is that if the insurance contract is invalid, the insurance company will not be liable for the insurance. Basis: Contract law plus common sense.

When the insurance contract does not take effect conditionally (for example, the policy takes effect after receiving the premium), the insurance company shall not refuse to perform the compensation obligation on the grounds that the policyholder has not fulfilled the obligation to pay the premium. Basis: Contract Law.

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.

Article 14: After the insurance contract is established, the policyholder shall pay the insurance premium according to the agreement, and the insurer shall begin to bear the insurance liability according to the agreed time.

Article 15: Except as otherwise provided in this Law or otherwise agreed in the insurance contract, after the insurance contract is concluded, the policyholder may terminate the contract, and the insurer shall not terminate the contract.

Article 16: If the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured when concluding an insurance contract, the policyholder shall truthfully inform the insurer.

If the policyholder intentionally or due to gross negligence fails to perform the obligation of truthful notification as provided for in the preceding paragraph, which is sufficient to influence the insurer's decision on whether to agree to underwrite or increase the insurance rate, the insurer has the right to terminate the contract.

The right to terminate the contract provided for in the preceding paragraph shall be extinguished if it is not exercised within 30 days from the date on which the insurer becomes aware of the reason for termination. If more than two years have elapsed since the date of the conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money.

If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium.

If the insured fails to perform the obligation of truthful notification due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium.

If the insurer is aware of the failure of the policyholder to truthfully inform the insurer at the time of conclusion of the contract, the insurer shall not terminate the contract; In the event of an insured event, the insurer shall be liable for compensation or payment of insurance money.

An insured accident refers to an accident within the scope of insurance liability as agreed in the insurance contract.

Article 17: If an insurance contract is concluded and the standard clauses provided by the insurer are adopted, the insurance policy provided by the insurer to the policyholder shall be accompanied by standard clauses, and the insurer shall explain the contents of the contract to the policyholder.

For the clause exempting the insurer from liability in the insurance contract, the insurer shall, at the time of conclusion of the contract, make a reminder sufficient to attract the attention of the policyholder on the insurance policy, insurance policy or other insurance certificate, and make a clear explanation to the policyholder in written or oral form of the content of the clause; If there is no reminder or clear explanation, the clause shall not be effective.

Legal Analysis: A liability insurance contract is an insurance contract concluded with the civil liability for damages in the guise of the insured.

Legal basis: Civil Procedure Law of the People's Republic of China Article 24 A lawsuit arising from an insurance contract dispute shall be under the jurisdiction of the people's court at the place where the defendant is domiciled or where the subject matter of the insurance is located.

Opinions on Several Issues Concerning the Application of the Civil Procedure Law of the People's Republic of China》 Article 25 In a lawsuit arising from an insurance contract dispute, if the subject matter of the insurance is a means of transport or goods in transit, the people's court at the place where the defendant is domiciled or the means of transport is registered, the destination of transportation, or the place where the insured accident occurred shall have jurisdiction.

Legal Analysis: The liability insurance contract is an insurance contract concluded with the insured's civil liability for damages as the insurance object.

Legal basis: Civil Procedure Law of the People's Republic of China Article 24 A lawsuit arising from an insurance contract dispute shall be under the jurisdiction of the people's court at the place where the defendant is domiciled or where the subject matter of the insurance is filed.

Opinions on Several Issues Concerning the Application》 Article 25 In a lawsuit arising from a dispute over an insurance contract, if the subject matter of the insurance is a means of transport or goods in transit, the people's court at the place where the defendant is domiciled or where the means of transport is registered, the destination of transportation, or the place where the insured accident occurs shall have jurisdiction.

The policyholder and the insurer agree on the terms of the contract, and the insurance contract is ()aSlow round oak standing (correct answer).

b.Made. c.Cavity re-handed.

d.Take effect.

Answer]: C is the same as guarantee insurance (also known as"Covenant Guarantee Insurance"It refers to a kind of insurance in which the insurer takes the necessary person to compensate for the dismantling of the right holder on behalf of the guaranteed person when the economic loss of the right holder is caused by the guarantor's failure to perform the contractual obligations. Contract guarantee insurance is mainly used for contracting contracts for construction projects.

Jujube crack answer]: c

The content of the insurance contract refers to the rights and obligations of the parties agreed in the insurance contract, which are mainly fixed through the insurance clause. It is customary to divide the terms and conditions of insurance contracts into two categories: necessary clauses and non-essential clauses.

Yes, an insurance contract is an agreement between the policyholder and the insurer to stipulate the rights and obligations of insurance. Since the insurance contract is a form contract drawn up by the insurance company in advance, it is not easy for ordinary people to understand the insurance contract.

1. Parties to the contract.

Policyholder refers to a person who has entered into an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the contract. The policyholder can be a self-talking, legal person, or an unincorporated organization.

Insured refers to a person whose property or person is protected by the insurance contract and who has the right to claim the insurance money. To put it simply, the insured is the object of protection under the insurance contract.

Insurer refers to an insurance company that has entered into an insurance contract with the policyholder and is liable for compensation or payment of insurance money in accordance with the contract.

Beneficiary refers to the person who is designated by the insured or the policyholder in the life insurance contract to have the right to claim the insurance money. The policyholder and the insured can be the beneficiary.

2. Classification of insurance contracts.

According to the different objects of insurance, insurance is divided into life insurance and property insurance, and life insurance refers to insurance with a person's life and body as the subject of insurance. The main types of insurance are: life insurance, health insurance, accident insurance, annuity insurance, etc.

The basis for the performance of their respective rights and obligations by the two parties is the insurance contract signed by both parties, which is an agreement between the policyholder and the insurer to stipulate the relationship of insurance rights and obligations.

The parties to the insurance contract are the policyholder and the insurer; The content of the insurance contract is the relationship between the rights and obligations of the two parties. 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 insurance contract. The insurer refers to the insurance company that enters into an insurance contract with the policyholder and bears the responsibility of indemnifying or paying the insurance beam.

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