保险合同订立程序构成的法律解析  

A Legal Explanation on Insurance Contract Closing Procedure

作　　者：宋小锦 

机构地区：[1]天安保险股份有限公司广东省分公司,广东广州510620

出　　处：《保险研究》2005年第12期76-79,共4页Insurance Studies

摘　　要：保险合同订立程序的构成与其它合同一样，包括要约、承诺。要约、承诺缺一不可，程序缺失合同不能成立。但投保人和保险人谁为要约、谁为承诺以及要约的次数，应不拘泥于现行《保险法》的规定，而应从整个合同法体系出发考察当事人的行为性质及所处的合同订立阶段。这样才能得出合同是否成立的正确结论，并以此指导订立保险合同的实践。As other types of contracts,an insurance contract is composed of a bid and an offer. Neither the bid nor the offer can be missing for the contract to be valid. However,whether the bid or the offer is to be extended by the applicant or the insurer and the number of bids should not be restricted by the insurance law. The factors to be considered are the nature of the action of the person concerned and where they are in the process of contracting from the perspective of the contract law. Only in this way, can we draw a correct conclusion of whether the contract is valid or not and use this to guide our practices of closing insurance contracts.

关 键 词：保险合同 订立程序 法律问题 

分 类 号：D922.284[政治法律—经济法学]