保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)是(shi)指投保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)根據(ju)合同(tong)約(yue)定(ding),向保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)支(zhi)付(fu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費,保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)對于合同(tong)約(yue)定(ding)的(de)(de)可能發(fa)生(sheng)(sheng)的(de)(de)事故因其發(fa)生(sheng)(sheng)所造成的(de)(de)財(cai)產損失承擔賠償保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)責任(ren),或(huo)者當(dang)被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)死亡、傷(shang)殘、疾病或(huo)者達到(dao)合同(tong)約(yue)定(ding)的(de)(de)年(nian)齡、期限等條件時(shi)承擔給付(fu)人(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合同(tong)中(zhong),保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司按(an)照合同(tong)約(yue)定(ding)對發(fa)生(sheng)(sheng)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)事故的(de)(de)被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)給予經濟補償的(de)(de)行為。
保(bao)險(xian)是一種(zhong)合(he)同行為和風險(xian)管理的(de)方法和一種(zhong)風險(xian)轉移的(de)機制,也是分(fen)攤意外事故損失和提(ti)供(gong)經濟保(bao)障(zhang)的(de)一種(zhong)非常有效的(de)財務安排。
保險(xian)(xian)的(de)意(yi)義和功(gong)用:買保險(xian)(xian)的(de)意(yi)義是為了(le)轉移我們身邊的(de)風險(xian)(xian),人這一生也(ye)不是風平浪靜。隨(sui)時可能遇到(dao)風險(xian)(xian),發(fa)生意(yi)外,一旦風險(xian)(xian)發(fa)生,保險(xian)(xian)就立刻變(bian)成一大筆急用的(de)現金,以(yi)便(bian)于(yu)我們得到(dao)最及時、有效的(de)治療和幫助。