The insurance contract signed on behalf of the applicant is invalid in principle, but after signing on behalf of the applicant, if the applicant has paid the insurance premium, it will be regarded as ratification of the pending signing behavior and thus effective.

legal ground

Article 3 of the Supreme People's Court's Interpretation on Several Issues Concerning the Application of People's Republic of China (PRC) Insurance Law (II) stipulates that if the applicant or his agent fails to sign or seal the insurance contract in person, but the insurer or his agent signs or seals it on his behalf, it will not be effective for the applicant. However, if the applicant has paid the insurance premium, it shall be deemed as his approval of the act of signing or sealing on his behalf.