When does health insurance take effect after general application?

The insurer examines the application form filled out by the applicant, and signs the application form to indicate that it agrees to underwrite, and the insurance contract is established. However, the establishment of an insurance contract does not necessarily mark the entry into force of the insurance contract, because the insurance contract is special and often takes effect at some time after the establishment of the contract. If the insurance clause may specifically stipulate that the insurance premium is the condition for the entry into force of the contract, the insurer shall not be liable for compensation or payment of insurance benefits for insurance accidents that occur before the entry into force of the insurance contract.

In addition, the insurance contract must also meet the following effective conditions.

1. Principal Agreement

The so-called subject agreement mainly means that the two parties who sign the insurance contract should agree, and the agreement refers to the basis that the two parties must have the subject qualification-the death agreement, which is based on the greatest integrity. Any restriction or coercion by either party to the other party will cause the contract to be invalid.

2. The object is legal.

The so-called legal object means that the insured's insurance interest in the subject matter insured must conform to the legal provisions and the requirements of social public interests, and can make legal claims and be protected by law. Otherwise, the insurance contract is invalid.

The rights and obligations of both parties are equal.

The insurance contract is a paid contract, and the insured pays the insurance premium at the expense of the insurer's economic security for the losses caused by the insurance accident; On the other hand, the insurer wins the right to collect insurance premiums from the insured at the expense of promising to provide economic security for the insured in the event of insurance accident losses. This equivalence of rights and obligations is based on fair and reasonable insurance rates.