论保险单签发与保险合同成立的关系

Research on the Relationship between Issuing Insurance Policy and formation of Insurance contract

研究保险单签发与保险合同成立的关系问题,兼具理论价值和实践价值。保险合同是诺成性合同、不要式合同;保险单仅是保险合同的一种书面凭证,不能等同于保险合同;将签发保险单作为保险合同的成立要件,有悖于弱者保护的法律精神。保险单是否签发,不影响保险合同的成立,在保险活动实践中,保险人不能以保险单尚未签发为由主张保险合同不成立,更不能以此拒绝履行保险金赔付义务。

It is clear that researching on the relationship between issuing insurance policy and formation of insurance contract is helpful and worthy.On the other hand,insurance contract belongs to an informal contract.There is no doubt that the insurance policy is just a kind of testifying document,which is not a required element to the conclusion of contract.Therefore,the insurance contract is established when the two sides have reached agreement.Both parties of the contract should carry out the obligation set forth in the insurance contract.