The content of basic clauses is sure to differ somewhat according to person insurance and belongings , the basic clauses of person insurance contract basically includes : liability of amount of time limit of insurance object , insurance , insurance and insurance premium , insurance , except responsibility , cast the application that keeps gold of formalities , insurance and to pay wait for content ; the basic clauses of property insurance contract basically includes : processing of the computation of amount of responsibility of the limits of insurance belongings , extent of liability , except , insurance and indemnity , compensation and any other business 基本保险条款的内容根据人身保险和财产保险不同有所不同，人身保险合同的基本保险条款主要包括：保险对象、保险期限、保险金额和保险费、保险责任、除外责任、投保手续、保险金的申请与给付等内容；财产保险合同的基本保险条款主要包括：保险财产的范围、责任范围、除外责任、保险金额与赔偿金额的计算、赔偿处理以及其他事项。
Because person is safe , the contract that insurance premium pays in installment in the contract is long - term contract more , policy - holder may not be restricted according to conventional period because of a variety of reasons , insurance premium still did not pay inside wide deadline of 60 days when set in insurance law even 由于人身保险合同中分期支付保险费的合同多是长期合同，投保人可能会因种种原因没有按照约定期限，甚至在保险法规定的60日的宽限期内仍未支付保险费。
Problems which we should pay attention to in the practicing of the contract . the paying of the insurance fee is not a requiring element for the tenability of a contract . the tenability of a contract only means the finish of the process of making an agreement between the two parts , at that time ; contract has no law effect to the both sides 其次对人身保险合同的缔约赔付责任进行了详细阐述,之所以单独成章,一方面是因为理论和实践对这方面的问题往往是争论不清,本文从保险合同的成立与生效的角度出发,以全新的视角对这个问题进行了独到的阐述。
Accordingly , pay head period the become effective condition that insurance premium is considered as person insurance contract commonly , and be sure as a result of person the contract deadline of the contract is general and longer , requirement policy - holder pays insurance premium continually by contract agreement , also can have certain difficulty to policy - holder 因此，支付首期保险费一般被认为是人身保险合同的生效条件，并且由于人身保险合同的合同期限一般较长，要求投保人按合同约定持续不断地支付保险费，对投保人来说也会有一定困难。
