保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)是指投保(bao)(bao)(bao)(bao)(bao)(bao)人(ren)根據(ju)合(he)(he)同約定(ding)，向保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)支付(fu)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)費，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)對于合(he)(he)同約定(ding)的可(ke)能(neng)發(fa)生的事(shi)故(gu)因其(qi)發(fa)生所造成的財產損失承擔賠償保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)金責任(ren)，或者當(dang)被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)死亡、傷殘(can)、疾病或者達(da)到合(he)(he)同約定(ding)的年齡、期(qi)限等條件時承擔給付(fu)人(ren)身保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合(he)(he)同中，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)公司按(an)照合(he)(he)同約定(ding)對發(fa)生保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)事(shi)故(gu)的被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)給予經濟補償的行(xing)為。

保(bao)險(xian)(xian)是(shi)一(yi)種(zhong)合(he)同行為(wei)和(he)風險(xian)(xian)管理的(de)(de)方法和(he)一(yi)種(zhong)風險(xian)(xian)轉(zhuan)移的(de)(de)機制，也是(shi)分攤意(yi)外(wai)事故損失和(he)提供經濟保(bao)障的(de)(de)一(yi)種(zhong)非常有效的(de)(de)財務安排。

保(bao)險(xian)(xian)的(de)意義和功用：買保(bao)險(xian)(xian)的(de)意義是(shi)為(wei)了轉移我們身邊的(de)風(feng)險(xian)(xian)，人這一生也不是(shi)風(feng)平浪(lang)靜(jing)。隨(sui)時可能(neng)遇到(dao)風(feng)險(xian)(xian)，發生意外，一旦風(feng)險(xian)(xian)發生，保(bao)險(xian)(xian)就立刻變成一大筆(bi)急用的(de)現金，以便于我們得(de)到(dao)最及(ji)時、有效(xiao)的(de)治療和幫助。