【摘要】 交付保险费是人身保险合同成立后,投保人要承担的合同义务。但实践中常出现保险合同成立前,投保人交付首期保险费后发生保险事故保障的真空。文章从我国保险合同制度的立法与实践分析入手,结合国内外相关理论、立法与实务加以探讨,提出完善我国保险合同的成立制度,以保护投保人与保险人双方的利益。更多还原

【Abstract】 It is a contract obligation for a policy-holder to deliver insurance premium after both sides entering into a life insurance contract. While in practice ,after a policy-holder deliver priority advance insurance premium, before an insurance contract comes into being, safeguard vacuum arises. This paper first analyze insurance theories and legislations and actual practices in our country ,then gathers and discusses corresponding theories,legislations and actual practices both internal and abroad. It brings forward to establish the legal system of insurance contact in our country to provide a better protect of the advantage of a policy and an insurer.更多还原