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What is a unified insurance policy? thank you ...
The specific format is as follows
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The insurance application form is also called "insurance application" and "insurance application". The applicant makes a written offer to the insurer to conclude an insurance contract. An insurance policy is a written document with a unified format prepared by the insurer in advance. The applicant must fill in the listed items truthfully, so that the insurer can determine whether to underwrite or under what conditions and at what rate.
The insurance policy itself is not a formal contract text, but once accepted by the insured, it becomes a part of the insurance contract. In insurance practice, the applicant needs to fill in the insurance application form when making an insurance offer. If the contents of the application form are untrue or intentionally concealed or fraudulent. Will affect the validity of the insurance contract. If it is recorded in the insurance policy, even if it is omitted, its effect is the same as that recorded in the insurance policy; If the applicant fails to make corrections in the insurance application, the insurer may terminate the contract because the applicant violates the principle of good faith.
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