訂明保單連同構成其一部分的投保申請書、附約及批單，即為保險人與保單持有人之間全部合約的保單條款。
A policy provision stating that the policy, together with the application form, riders and endorsements forming part of it, is the whole contract between the insurer and the policyholder.
訂明保單連同構成其一部分的投保申請書、附約及批單，即為保險人與保單持有人之間全部合約的保單條款。
A policy provision stating that the policy, together with the application form, riders and endorsements forming part of it, is the whole contract between the insurer and the policyholder.