What is the insurance company's stipulation on the effective time of the insurance contract?

Legal analysis: the effective time of an insurance contract is generally not stipulated by the insurance company, so it takes effect when the contract is signed. If the effective date is specified, it takes effect on the specified date. 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.

Legal basis: Article 17 of the Insurance Law of People's Republic of China (PRC) adopts the standard clauses provided by the insurer when concluding an insurance contract, and the insurance application provided by the insurer to the applicant shall be accompanied by the standard clauses, and the insurer shall explain the contents of the contract to the applicant.

With regard to the clauses in the insurance contract that exempt the insurer from liability, when concluding the contract, the insurer shall make a prompt that can attract the attention of the insured on the application form, insurance policy or other insurance documents, and make a clear explanation to the insured in written or oral form; If there is no prompt or clear explanation, this clause will not take effect.