An insurance certificate has the same effect as an insurance policy. 保险凭证与保险单具有同样的效力。
On the Effect of Insurance Interests on People& An Analysis of the Cancellation of Article 12 in Insurance Law 论保险利益对人之效力&兼论《保险法》第12条之取消
Third," harsh "clauses in the current regulation are too many, cause a great deal of restrictions to persons who effect an insurance, the threshold is too high to effect an insurance. 第三,现行法规中的苛刻条款太多,给参保者造成诸多的限制,参保门槛过高。