1, insurance? -Contractual economic relations?
Insurance is originally a 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.
2. Insured object
The object of insurance, that is, the object of insurance contract, is not the subject matter of insurance itself, but the insurable interest (biāODI) of the applicant or the insured on the subject matter of insurance. Insurable interest refers to the legally recognized interest of the insured or the insured in the subject matter of insurance. This is mainly because the insurance contract guarantees not the safety of the subject matter insured, but the economic interests of the insured or the insured and the beneficiary after the subject matter insured is damaged. The subject matter of insurance is only the carrier of insurable interest.
3. Subject matter insured
The object of insurance is the insured's body and life, and the object of personal insurance is the insured's body and life, while property insurance in a broad sense is insurance with property and its related economic benefits and liability for damages as the insurance object, in which the object of property loss insurance is the insured's property, the object of liability insurance is the insured's economic responsibility, and the object of credit insurance is the economic loss caused by the insured's credit.