(二)保險合同訂立的程序
保險(xian)合(he)同(tong)的訂(ding)立(li)要經過(guo)要約(yue)和承(cheng)諾兩(liang)個階段(duan),又(you)叫(jiao)投保與承(cheng)保.來源：考試大
1,投(tou)保 投(tou)保是指投(tou)保人(ren)(ren)向保險人(ren)(ren)提(ti)出的確定的,明(ming)確的訂立保險合同的意思表示,即提(ti)出保險要求(qiu).投(tou)保應(ying)具備以(yi)下幾個條件: 第一(yi), 投(tou)保人(ren)(ren)要有締(di)約(yue)能力(li). 第二,投(tou)保人(ren)(ren)對保險標(biao)的應(ying)當具有保險利益 第三,投(tou)保人(ren)(ren)要履行如實告知義務來源：考試(shi)大
2,承(cheng)保(bao)(bao)(bao) 承(cheng)保(bao)(bao)(bao)是保(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)完全同意投保(bao)(bao)(bao)人(ren)(ren)(ren)提出的(de)(de)保(bao)(bao)(bao)險(xian)要(yao)約的(de)(de)行為.承(cheng)保(bao)(bao)(bao)為保(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)的(de)(de)單方(fang)法律行為,構成(cheng)(cheng)保(bao)(bao)(bao)險(xian)合(he)同成(cheng)(cheng)立的(de)(de)要(yao)件. 我國《保(bao)(bao)(bao)險(xian)法》規(gui)定:投保(bao)(bao)(bao)人(ren)(ren)(ren)提出保(bao)(bao)(bao)險(xian)要(yao)求,經保(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)同意承(cheng)保(bao)(bao)(bao),并就合(he)同的(de)(de)條款達成(cheng)(cheng)協議,保(bao)(bao)(bao)險(xian)合(he)同成(cheng)(cheng)立.保(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)應當(dang)及時向投保(bao)(bao)(bao)人(ren)(ren)(ren)簽發(fa)保(bao)(bao)(bao)險(xian)單或者其(qi)(qi)他保(bao)(bao)(bao)險(xian)憑(ping)證(zheng),并在保(bao)(bao)(bao)險(xian)單或者其(qi)(qi)他保(bao)(bao)(bao)險(xian)憑(ping)證(zheng)中(zhong)載明(ming)當(dang)事(shi)人(ren)(ren)(ren)雙方(fang)約定的(de)(de)合(he)同內容
(三)保(bao)險(xian)(xian)(xian)合同(tong)(tong)成(cheng)立 我(wo)國《保(bao)險(xian)(xian)(xian)法》規定(ding):投保(bao)人(ren)提出保(bao)險(xian)(xian)(xian)要求,經保(bao)險(xian)(xian)(xian)人(ren)同(tong)(tong)意承保(bao),保(bao)險(xian)(xian)(xian)合同(tong)(tong)成(cheng)立. 來源：考(kao)試大
(四)保險合(he)同(tong)生效 我國《合(he)同(tong)法》第8條規(gui)定(ding):依法成(cheng)立的合(he)同(tong),對(dui)當事人(ren)具有(you)法律(lv)約(yue)(yue)束(shu)力(li).當事人(ren)應當按照約(yue)(yue)定(ding)履(lv)行自己的義務(wu),不得擅自變更(geng)或者解除合(he)同(tong).依法成(cheng)立的合(he)同(tong),受法律(lv)保護.
(五)保(bao)(bao)險(xian)(xian)責任開始(shi) 我國《保(bao)(bao)險(xian)(xian)法》第13條規定(ding)(ding)(ding):保(bao)(bao)險(xian)(xian)合(he)同成立(li)后,投保(bao)(bao)人(ren)(ren)按照(zhao)約(yue)定(ding)(ding)(ding)交付保(bao)(bao)險(xian)(xian)費(fei);保(bao)(bao)險(xian)(xian)人(ren)(ren)按照(zhao)約(yue)定(ding)(ding)(ding)的時間開始(shi)承擔保(bao)(bao)險(xian)(xian)責任.
(六)保險合同的形式 1,投保單 2,保險單或其他保險憑證 3,暫保單 4,其他書面協議
