保險(xian)公(gong)(gong)司（insurance company），是采用公(gong)(gong)司組(zu)織(zhi)形式的保(bao)(bao)險(xian)(xian)人，經(jing)營保(bao)(bao)險(xian)(xian)業務。 保(bao)(bao)險(xian)(xian)關系中的保(bao)(bao)險(xian)(xian)人，享有收取保(bao)(bao)險(xian)(xian)費、建立保(bao)(bao)險(xian)(xian)費基(ji)金的權利。同(tong)時，當保(bao)(bao)險(xian)(xian)事故發生(sheng)時，有義務賠償被保(bao)(bao)險(xian)(xian)人的經(jing)濟損失。保(bao)險(xian)公(gong)(gong)司銷售保(bao)險(xian)合約、提供風(feng)險(xian)保(bao)障的公(gong)(gong)司。保(bao)險(xian)公(gong)(gong)司是(shi)指經(jing)營保(bao)險(xian)業的經(jing)濟組織(zhi)。保(bao)險(xian)公(gong)(gong)司，是(shi)指經(jing)中國保(bao)險(xian)監督管理機構批(pi)準設立，并依法登記注冊的商(shang)業保(bao)險(xian)公(gong)(gong)(gong)司，包(bao)括直(zhi)接保(bao)險(xian)公(gong)(gong)(gong)司和(he)再保(bao)險(xian)公(gong)(gong)(gong)司。當購買保(bao)險(xian)時，保(bao)險(xian)公(gong)(gong)(gong)司財務的穩定和(he)健康可能是主要應考慮的問題。保(bao)險(xian)費(fei)支(zhi)出通(tong)常是為了給未來多(duo)年的損失做準(zhun)備。正(zheng)因為如此，保險公司的生存(cun)能力是非常重(zhong)要的。現(xian)許多(duo)保險公司陷入破產(chan)（比如亞洲金(jin)融危機后的日(ri)本保險業，11事件后的美國保險業等），使(shi)它們的客(ke)戶失去了(le)保(bao)障（或者依賴政府保(bao)險(xian)保(bao)障基金(jin)在事故發生(sheng)時獲得(de)很少的保(bao)險(xian)金(jin)）。

為了更好地(di)保障(zhang)我們的權益(yi)，要再次認真閱(yue)讀保(bao)單條款，確(que)信自己能夠理解。要注意檢(jian)查收到的保(bao)險合同是否(fou)完(wan)整，除了保(bao)險單外，通(tong)常還包(bao)括保(bao)險條款，現(xian)金(jin)價值(zhi)表，客戶保(bao)障(zhang)聲(sheng)明書，繳(jiao)費(fei)憑證，費(fei)率表等文(wen)件。當然(ran)還要妥(tuo)善保(bao)存(cun)保(bao)險(xian)單(dan)，將保(bao)險(xian)單(dan)放(fang)在安(an)全可靠的地方，并記下(xia)公司名稱，險(xian)種名稱，保(bao)單(dan)號碼及(ji)保(bao)險(xian)金額。如有遺(yi)失(shi)或損(sun)毀(hui)，可申(shen)(shen)請掛失、補發。保險單是您購買了(le)壽險的主要憑(ping)證，在您向壽險公司索賠(pei)，申(shen)(shen)請變更合同內容或其他服務時，必須要提交保險單。定期檢視保單：根(gen)據您的(de)保(bao)險需求，支(zhi)付能力以及通貨(huo)膨脹等因(yin)素，定期檢(jian)查(cha)購買后壽險產品(pin)是否仍(reng)然符(fu)當前需要(yao)，必(bi)要(yao)時應(ying)考慮增加或(huo)減少保(bao)額。了解投訴途(tu)徑，如果遇(yu)有不滿意的(de)地方，可(ke)視情況分別向壽險(xian)(xian)公(gong)司，保險(xian)(xian)行業(ye)協(xie)會(hui)，中國保險(xian)(xian)監督委員會(hui)投(tou)訴(su)。