Insurance contracts generally do not take effect unless they are signed. However, the applicant has fulfilled the main obligations of the insurance contract, and what the insurer has accepted can be regarded as that the two parties have established an insurance contract, and then a written contract can be signed, and the insurance contract will take effect upon its establishment. According to Article 490 of the Civil Code, which came into effect in 202 1 1, before signing, sealing or fingerprinting, if one party performs its main obligations and the other party accepts them, the contract is established. Article 13 Insurance Law An insurance contract is formed when the applicant requests insurance and the insurer agrees to underwrite it. The insurer shall issue an insurance policy or other insurance certificate to the applicant in time. An insurance contract established according to law shall take effect upon its establishment. The applicant and the insurer may attach conditions or time limits to the validity of the contract. Article 490 of the Civil Code If the parties conclude a contract in the form of a contract, the contract is established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it. A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established. Article 13 Insurance Law An insurance contract is formed when the applicant requests insurance and the insurer agrees to underwrite it. The insurer shall issue an insurance policy or other insurance certificate to the applicant in time. An insurance contract established according to law shall take effect upon its establishment. The applicant and the insurer may attach conditions or time limits to the validity of the contract.