Insurance is a Chinese word, pinyin is b m 4 o xi m 4 n, and English is insurance or insurance, which means safe and reliable guarantee. Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.
Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.
Commercial insurance can be roughly divided into property insurance, personal insurance, liability insurance, credit insurance, subsidy insurance and marine insurance.
Large categories are classified according to the scope of insurance liability, and small categories are classified according to the type of insurance subject matter.
According to the scope of insurance, it is divided into: personal insurance, property insurance, liability insurance and credit guarantee insurance.
1. Fire insurance covers the losses caused by fire to the property stored in a certain geographical range and basically in a static state on land, such as machines, buildings, various raw materials or products, household appliances, etc.
2. Marine insurance is essentially a kind of transportation insurance, and it is the earliest insurance in all kinds of insurance business. The insurer is responsible for the loss of the subject matter insured caused by marine risks.
3. Cargo transportation insurance is cargo transportation insurance other than maritime transportation, which mainly covers the loss of goods during inland river, inland river, coastal and air transportation.
4. All kinds of vehicle insurance mainly covers the losses of all kinds of vehicles during driving and parking. It mainly includes automobile insurance, aviation insurance, ship insurance and railway vehicle insurance.
5. Engineering insurance covers all unexpected losses and personal injuries and property losses of third parties in various engineering processes.
6. Post-disaster interest loss insurance refers to the insurance that the insurer bears the insurance liability for all kinds of intangible interest losses that may be caused after the property suffers an insurance accident.
7. Burglary in burglary insurance insures the property against losses caused by acts such as robbery by robbers or theft by thieves.
8. Agricultural insurance mainly covers all kinds of crops or cash crops and all kinds of livestock and poultry losses caused by natural disasters or accidents.
9. Liability insurance is an insurance whose subject matter is the civil liability of the insured. Whether it is an enterprise, a group, a family or an individual, in all kinds of production and business activities or daily life, if the victim causes damage to others due to negligence or negligence, the economic compensation liability that the victim should bear according to the law or contract can be compensated by the insurance company after taking out relevant liability insurance.
10. Public liability insurance covers the legal liability of the insured for personal injury or property loss to others.
1 1. Employer's liability insurance covers the employer's economic liability for personal injury or death of employees according to the provisions of laws or employment contracts.
12. Product liability insurance covers the insured's liability for personal injury or other losses to consumers or users due to defects in manufacturing or selling products.
13. Professional liability insurance covers the responsibilities of doctors, lawyers, accountants, designers and other freelancers for personal injuries and property losses caused by negligence.
14. Credit insurance is a kind of insurance, the content of which is that one party requires the insurer to bear the credit risk of the other party.
15. Ensure that the insurance obligor is the insured, and require the insurer to guarantee the creditor the insurance that should fulfill the obligation according to the contract.
16. Term death insurance is an insurance whose payment condition is the death of the insured during the insurance period.
17. Life-long death insurance is insurance with the life-long death of the insured as the payment condition.
18. Old-age insurance, in which the insured dies or survives after the expiration of the insurance period, has the nature of savings.
19. Annuity insurance takes the survival of the insured as the payment condition, and ensures that the insured receives the payment within a fixed time and at a certain time interval.
20. Property insurance is insurance with all kinds of material property as the subject matter of insurance, and the insurer is responsible for the loss of material property or material property interests.
2 1. Personal insurance is an insurance whose subject matter is human body or life. If the insured suffers personal injury or death during the insurance period, or the insured is injured or survives at the expiration of the insurance period, the insurer shall bear the responsibility of paying the insurance money. Life insurance includes not only life insurance, but also health insurance and personal accident insurance.
22. Sickness insurance, also known as health insurance, is the insurance that the insurer pays the insured the medical expenses incurred due to illness or inability to work due to illness.
23. Personal insurance: life insurance for short is the insurance whose subject matter is the life and death of a person. It is the insurance in which the insured survives or dies during the insurance liability period and the insurer pays the insurance money according to the contract.
24. Dividend insurance refers to a kind of personal insurance in which the insurance company distributes the distributable surplus of this kind of dividend insurance in the previous fiscal year to customers in the form of cash dividends or value-added dividends according to a certain proportion after the end of each fiscal year.
25. Investment-linked insurance refers to the fact that the funds (premiums) collected by insurance companies not only provide the insurance amount to customers, but also link the fund targets so that customers can enjoy the investment income.
26. Universal life insurance (also known as universal life insurance) refers to life insurance that can pay insurance premiums at will and adjust the amount of death insurance benefits at will.
27. Reinsurance is insurance with the risk of insurance company's operation as the subject matter. According to the insurance cost, there is a special kind of insurance, which is free insurance, also called zero insurance.
28. Free insurance refers to insurance products given to customers by insurance companies or insurance agencies free of charge. In this way, insurance companies or insurance agencies can make customers know more about insurance companies or insurance agencies. It is a way to gain customers' trust through their free experience of insurance products.
With longing and expectation for the national training project, after experiencing the anxiety that the storm plane was delayed, changed and caught the plane by trai