预收保费与保险责任的承担——论我国应当建立暂保承诺制度

Advance Premium and Insurance Liability——On China's Duty to Establish a System of Temporary Policy

如何规范从投保人提出投保申请到保险人承诺前这段时间的“保险真空”,解决该问题的最佳选择就是借鉴国外的暂保承诺制度,在保险人决定是否对要保人的要约作出承诺前,为其提供暂时的保险保护。

The case in the text reflects an issue which often arise in the insurance practice, that is, how to regulate the period of insurance vacuum between the policy - holder＇ s application for insurance and the acceptance of underwriter. The best choice to this problem is to use the system of temporary policy of foreign countries for reference before the underwriter decides to make acceptance to the policy - holder＇ s offer, provide temporary insurance safeguard for him.