保(bao)險(xian)(xian)(xian)(xian)(xian)是指投保(bao)人(ren)根據合同約定，向保(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)支付保(bao)險(xian)(xian)(xian)(xian)(xian)費，保(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)對于合同約定的(de)可能(neng)發(fa)生的(de)事(shi)故(gu)因其發(fa)生所(suo)造成的(de)財產(chan)損失承(cheng)擔賠償保(bao)險(xian)(xian)(xian)(xian)(xian)金責任，或(huo)者當被(bei)保(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)死亡、傷殘、疾病或(huo)者達到合同約定的(de)年齡、期限等條件時承(cheng)擔給付人(ren)身保(bao)險(xian)(xian)(xian)(xian)(xian)合同中，保(bao)險(xian)(xian)(xian)(xian)(xian)公司按照合同約定對發(fa)生保(bao)險(xian)(xian)(xian)(xian)(xian)事(shi)故(gu)的(de)被(bei)保(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)給予(yu)經濟(ji)補(bu)償的(de)行為。

保險(xian)是(shi)一種(zhong)(zhong)合(he)同行為和風(feng)險(xian)管(guan)理的(de)方法和一種(zhong)(zhong)風(feng)險(xian)轉移的(de)機制，也(ye)是(shi)分攤意外事故損失和提供經濟保障的(de)一種(zhong)(zhong)非常有效的(de)財務安排。

保險(xian)的(de)意(yi)(yi)義(yi)和(he)功用：買保險(xian)的(de)意(yi)(yi)義(yi)是為了轉移(yi)我(wo)們身(shen)邊的(de)風險(xian)，人這一生(sheng)也(ye)不(bu)是風平(ping)浪靜。隨時可能遇到風險(xian)，發(fa)生(sheng)意(yi)(yi)外，一旦(dan)風險(xian)發(fa)生(sheng)，保險(xian)就立刻(ke)變成一大筆(bi)急用的(de)現金，以便于我(wo)們得到最及時、有(you)效的(de)治(zhi)療和(he)幫助。