在处理保险合同纠纷的司法实践中,对保险合同的成立、生效以及保险责任的开始存在着不同的认识,只有正确区分保险合同的成立、生效以及保险责任的开始,才能保证保险合同纠纷得到公正的审理,进而促进保险业的健康、持续发展。 In the judicial practice of handling disputes over insurance contracts, there is a different understanding of the establishment, entry into force of the insurance contract and the beginning of the insurance liability. Only when the correct establishment of the insurance contract, its entry into force and the commencement of the insurance liability, can the fairness of the insurance contract be guaranteed The trial to further promote the healthy and sustainable development of the insurance industry.