保(bao)(bao)(bao)險(xian)(xian)(xian)是指投保(bao)(bao)(bao)人根(gen)據合同(tong)約(yue)定，向(xiang)保(bao)(bao)(bao)險(xian)(xian)(xian)人支付(fu)保(bao)(bao)(bao)險(xian)(xian)(xian)費，保(bao)(bao)(bao)險(xian)(xian)(xian)人對(dui)于合同(tong)約(yue)定的可能(neng)發(fa)生(sheng)的事故因其發(fa)生(sheng)所造成(cheng)的財產損失(shi)承擔賠償(chang)(chang)保(bao)(bao)(bao)險(xian)(xian)(xian)金責(ze)任，或者當被保(bao)(bao)(bao)險(xian)(xian)(xian)人死亡、傷殘、疾病或者達到合同(tong)約(yue)定的年齡、期(qi)限等條件(jian)時承擔給(gei)付(fu)人身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)合同(tong)中，保(bao)(bao)(bao)險(xian)(xian)(xian)公司按照合同(tong)約(yue)定對(dui)發(fa)生(sheng)保(bao)(bao)(bao)險(xian)(xian)(xian)事故的被保(bao)(bao)(bao)險(xian)(xian)(xian)人給(gei)予經濟補償(chang)(chang)的行為。

保(bao)險(xian)是(shi)一種(zhong)合(he)同行為和(he)風險(xian)管理的方法和(he)一種(zhong)風險(xian)轉移的機制，也(ye)是(shi)分攤(tan)意外事故(gu)損失和(he)提(ti)供經濟(ji)保(bao)障(zhang)的一種(zhong)非常有效的財務(wu)安排。

保險的(de)意(yi)義和功用(yong)：買保險的(de)意(yi)義是(shi)為了轉移(yi)我們身邊的(de)風(feng)險，人這一生也不是(shi)風(feng)平浪靜。隨時可能遇到(dao)風(feng)險，發生意(yi)外，一旦風(feng)險發生，保險就立刻變(bian)成一大(da)筆急用(yong)的(de)現(xian)金，以便于我們得到(dao)最及時、有效的(de)治療和幫助(zhu)。