保险合同是否为要式合同?这不仅是一个涉及具体保险合同能否生效及何时生效的重要问题,而且是关系到保险合同双方当事人依据什么履行义务和行使权利,以及司法部门依据什么对保险合同纠纷进行处理的重要问题。因此,笔者对《保险研究》在1996年第1期发表的张淑珍同志所撰《保险合同是不要式合同》(以下简称:张文),以及第3期发表的王尧同志所撰《论保险合同的要式与不要式及其他形式》(以下简称:王文)两文中的有关论点、论据,着实不敢苟同或不敢完全苟同,所以提出以下商榷看法。 《保险法》第12条规定:“投保人提出保险要求,经保险人同意承保,并就合同的条款达成协议,保险合同成立。保险人应当及时向投保人 Is the insurance contract an important contract? This is not only an important issue that relates to whether a specific insurance contract will take effect and when it comes into effect, but also on the basis of what the parties to the insurance contract to fulfill their obligations and exercise their rights, and on what basis the judiciary relies on insurance Contract dispute handling important issues. Therefore, the author of “insurance research” published in 1996 No. 1 Comrade Zhang Shuzhen wrote “the insurance contract is unimportant contract” (hereinafter referred to as: Zhang Wen), as well as the third issue of Comrade Wang Yao wrote “On Insurance Contract arguments and indispensable and other forms of ”(hereinafter referred to as: Wang Wen) two articles in the relevant arguments, arguments, do not agree with or can not completely agree, so the following point of view. Article 12 of the Insurance Law stipulates: "The policyholder shall make an insurance claim, agree with the underwriters and agree on the terms of the contract, the insurance contract shall be established, and the insurer shall promptly notify the applicant