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    保險合同

        保險合同是投保人與保險人之間設立、變更、終止保險法律關系的協議。依照保險合同,投保人承擔向保險人交納保險費的義務,保險人對保險標的可能遭受的危險承擔提供保障的義務。在保險事故發生后,保險人根據合同約定的范圍向被保險人或受益人為保險給付,或者在合同約定期限屆滿時向投保人或受益人給付保險金。

        保險合同應當包括下列事項:

        (一)保險人名稱和住所;

        (二)投保人、 被保險人名稱和住所以及人身保險的受益人的名稱和住所;

        (三)保險標的;

        (四)保險責任和責任免除;

        (五)保險期間和保險責任開始時間;

        (六)保險價值(用于財產險);

        (七)保險金額;

        (八)保險費以及支付辦法;

        (九)保險金賠償或者給付辦法;

        (十)違約責任和爭議處理;

        (十一)訂立合同的年、月、日。

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