No. 1 of Three Representative Cases Involving Insurance Contract Disputes Issued by the Supreme People's Court: Wang [REDACTED] v. [REDACTED] Life Insurance Co., Ltd. — Legal consequences of signing an insurance contract on behalf of another person (Personal insurance contract dispute)
No. 1 of Three Representative Cases Involving Insurance Contract Disputes Issued by the Supreme People's Court: Wang [REDACTED] v. [REDACTED] Life Insurance Co., Ltd. (Personal insurance contract dispute)
最高人民法院公布三起保險合同糾紛典型案例之一:王某訴某人壽保險股份有限公司人身保險合同糾紛案
—Legal consequences of signing an insurance contract on behalf of another person
——保險合同代簽名的法律后果
[Key Points]
【要點提示】
An insurance applicant should personally affix his signature or seal when he enters into an insurance contract. Where the insurance salesperson affixes a signature on behalf of the insurance applicant, and the insurance applicant has paid insurance premiums, the insurance applicant is deemed to have subsequently ratified the signature on his behalf.
Applicable provisions of Interpretation II: Paragraph 1 of Article 3: Where, when entering into an insurance contract, the insurance applicant or the agent thereof does not personally affix his or her signature or seal to the contract, and the insurer or the agent thereof affixes a signature or seal to the contract on behalf of the insurance applicant or the agent thereof, the contract is not effective to the insurance applicant. However, if the insurance applicant has paid the insurance premiums, he or she is deemed to have subsequently ratified the signature or seal affixed on his or her behalf.
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