回複：你的保險卡或和約上應該有注明的有效期。這類事很耗時，需要你

Sometimes there is a lapse between the time you pay the premium and the time the policy comes into effect. In insurance law, your school acts as an agent for the insurance company. But some insurer may refuse to consider the time you pay the premium to the school as the time the policy becomes effective. Moreover, the policy may state it will not become effective until certain conditions are met, which include, you have completed the physical examination, you have paid the premium, and your policy has been approved. If dispute arises, first look at your policy, and then consult a lawyer or check the statute/case law in your state.