According to the provisions of the Electronic Signature Law, if the electronic signature is reliable, the insurance contract is signed in the form of an electronic contract, which has legal effect. Legal basis: Article 469 of the Civil Code of People's Republic of China (PRC), the parties may conclude a contract in written form, orally or in other forms. Written form refers to contracts, letters, telegrams, telexes, faxes and other forms that can tangibly express the contents contained. A data message that can tangibly express its content through electronic data interchange, e-mail, etc. , and can be retrieved at any time, are considered in writing.