1. 保險合同成立的含義：按(an)照合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)法的理論，所謂(wei)合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)的成(cheng)立(li)(li)，是(shi)(shi)(shi)(shi)指(zhi)合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)因符合(he)(he)(he)(he)(he)一(yi)(yi)定(ding)的要(yao)件而(er)客觀存在，其具(ju)體表(biao)(biao)現就(jiu)是(shi)(shi)(shi)(shi)將要(yao)約人(ren)單(dan)方面(mian)的意(yi)思表(biao)(biao)示轉化(hua)為雙方一(yi)(yi)致的意(yi)思表(biao)(biao)示。
判(pan)斷(duan)(duan)合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)是(shi)(shi)(shi)(shi)否(fou)成(cheng)立(li)(li)，不(bu)(bu)僅是(shi)(shi)(shi)(shi)一(yi)(yi)個(ge)理論問(wen)題，也(ye)具(ju)有(you)實際意(yi)義。首先，判(pan)斷(duan)(duan)合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)是(shi)(shi)(shi)(shi)否(fou)成(cheng)立(li)(li)，是(shi)(shi)(shi)(shi)為了(le)判(pan)斷(duan)(duan)合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)是(shi)(shi)(shi)(shi)否(fou)存在，如果合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)根(gen)本就(jiu)不(bu)(bu)存在，它的履(lv)行、變更、轉讓(rang)、解除(chu)等一(yi)(yi)系列問(wen)題也(ye)就(jiu)不(bu)(bu)存在了(le)；其次，判(pan)斷(duan)(duan)合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)是(shi)(shi)(shi)(shi)否(fou)成(cheng)立(li)(li)，也(ye)是(shi)(shi)(shi)(shi)為了(le)認定(ding)合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)的效(xiao)力，如果合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)根(gen)本就(jiu)不(bu)(bu)存在，則(ze)談不(bu)(bu)上合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)有(you)效(xiao)、無效(xiao)的問(wen)題，即保(bao)險合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)的成(cheng)立(li)(li)是(shi)(shi)(shi)(shi)保(bao)險合(he)(he)(he)(he)(he)同(tong)(tong)(tong)(tong)(tong)生(sheng)效(xiao)的前提條件。 2.保險合同成立的要件：保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同(tong)(tong)(tong)(tong)是一(yi)項(xiang)民(min)事行(xing)為(wei)，而且是一(yi)項(xiang)合(he)(he)同(tong)(tong)(tong)(tong)行(xing)為(wei)，因而，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同(tong)(tong)(tong)(tong)不(bu)僅(jin)受保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)法(fa)(fa)的調(diao)(diao)整(zheng)，還應當受民(min)法(fa)(fa)和合(he)(he)同(tong)(tong)(tong)(tong)法(fa)(fa)的調(diao)(diao)整(zheng)，所(suo)以，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同(tong)(tong)(tong)(tong)的成(cheng)(cheng)立一(yi)定要(yao)(yao)(yao)(yao)符(fu)合(he)(he)民(min)事法(fa)(fa)律(lv)行(xing)為(wei)的要(yao)(yao)(yao)(yao)件(jian)和合(he)(he)同(tong)(tong)(tong)(tong)的成(cheng)(cheng)立要(yao)(yao)(yao)(yao)件(jian)。中國合(he)(he)同(tong)(tong)(tong)(tong)法(fa)(fa)第(di)十(shi)三(san)條規定：“當事人(ren)(ren)訂立合(he)(he)同(tong)(tong)(tong)(tong)，采(cai)取要(yao)(yao)(yao)(yao)約(yue)(yue)、承諾(nuo)的方(fang)(fang)式。”中國《保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)法(fa)(fa)》第(di)十(shi)二條規定：“投保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)提(ti)出(chu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)要(yao)(yao)(yao)(yao)求，經保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)同(tong)(tong)(tong)(tong)意承保(bao)(bao)(bao)(bao)(bao)，并就合(he)(he)同(tong)(tong)(tong)(tong)的條款達成(cheng)(cheng)協議(yi)，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同(tong)(tong)(tong)(tong)成(cheng)(cheng)立。”依(yi)照這一(yi)規定，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同(tong)(tong)(tong)(tong)的一(yi)般成(cheng)(cheng)立要(yao)(yao)(yao)(yao)件(jian)有(you)三(san)：其一(yi)，投保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)提(ti)出(chu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)要(yao)(yao)(yao)(yao)求；其二 ，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)同(tong)(tong)(tong)(tong)意承保(bao)(bao)(bao)(bao)(bao)；其三(san)，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)與投保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)就合(he)(he)同(tong)(tong)(tong)(tong)的條款達成(cheng)(cheng)協議(yi)。這三(san)個要(yao)(yao)(yao)(yao)件(jian)，實質上仍是合(he)(he)同(tong)(tong)(tong)(tong)法(fa)(fa)所(suo)規定的要(yao)(yao)(yao)(yao)約(yue)(yue)和承諾(nuo)過(guo)程。因此，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同(tong)(tong)(tong)(tong)原則上應當在當事人(ren)(ren)通過(guo)要(yao)(yao)(yao)(yao)約(yue)(yue)和承諾(nuo)的方(fang)(fang)式達成(cheng)(cheng)意思一(yi)致時即(ji)告成(cheng)(cheng)立。
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