Is the grace period for insurance SMS reminders valid?

The grace period for insurance text message reminders is valid. The "grace period" is a humanization of the insurance law. It stipulates that if the policyholder is unable to pay on time due to special circumstances, he or she can enjoy a 60-day grace period. During the grace period, , the policy validity still exists, that is, the insurance company still needs to pay claims when an insured accident occurs, and as long as the premium is paid within the grace period, the insurance contract will continue to be valid