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在人民日常生活中,“保险”一词一般说来,它含有保证、稳妥可靠、担保安全的意思。我们这里所讲的“保险”,与上述含义是不同的。它是通过收取保险费,建立保险基金,当被保险人因灾害事故造成经济损失,或发生人身事件时,给予经济补偿或给付保险金,使生产经营尽快得到恢复,人民生活得到安全,保障社会生产力的发展,保证再生产的持续进行。因此,保险是国家财政后备和人民生活福利的必要补充,是社会主义精神文明建设的一个重要方面。为了适应社会各种不同的需要,中国人民保险公司近年来在国内保险方面先后开办了近百种保险业务。为了增进社会对保险业务的了解,现将主要险种的内容作如下简要介绍。
In the daily life of the people, the term “insurance” as a general rule, contains the meaning of guarantee, safety and reliability and guarantee of safety. The “insurance” we are talking about here is different from the above. It is through the collection of insurance premiums, the establishment of insurance funds, when the insured due to disaster caused by economic losses, or personal incidents, to give financial compensation or insurance benefits, so that production and operation as soon as possible to restore the safety of people’s lives and protect the community The development of productive forces, to ensure the continued reproduction. Therefore, insurance is a necessary complement to the state’s financial reserve and the welfare of people’s lives and is an important aspect of the construction of socialist spiritual civilization. In order to meet various social needs, the Chinese People’s Insurance Company has set up over 100 kinds of insurance businesses in terms of domestic insurance in recent years. In order to enhance the community’s understanding of the insurance business, the contents of the major types of insurance are briefly introduced as follows.