保(bao)(bao)(bao)險(xian)(xian)是(shi)指投保(bao)(bao)(bao)人根據合(he)同(tong)約(yue)(yue)定(ding)，向保(bao)(bao)(bao)險(xian)(xian)人支付保(bao)(bao)(bao)險(xian)(xian)費，保(bao)(bao)(bao)險(xian)(xian)人對(dui)于合(he)同(tong)約(yue)(yue)定(ding)的(de)可能發生(sheng)的(de)事故因其(qi)發生(sheng)所造成的(de)財產損失承擔賠償(chang)保(bao)(bao)(bao)險(xian)(xian)金責任(ren)，或(huo)者當被保(bao)(bao)(bao)險(xian)(xian)人死亡、傷殘、疾(ji)病或(huo)者達到(dao)合(he)同(tong)約(yue)(yue)定(ding)的(de)年齡、期限(xian)等條件(jian)時承擔給付人身保(bao)(bao)(bao)險(xian)(xian)合(he)同(tong)中，保(bao)(bao)(bao)險(xian)(xian)公司按照合(he)同(tong)約(yue)(yue)定(ding)對(dui)發生(sheng)保(bao)(bao)(bao)險(xian)(xian)事故的(de)被保(bao)(bao)(bao)險(xian)(xian)人給予(yu)經(jing)濟補償(chang)的(de)行(xing)為。

保(bao)險是(shi)一(yi)(yi)種(zhong)(zhong)合同行為和(he)風險管理的(de)方(fang)法(fa)和(he)一(yi)(yi)種(zhong)(zhong)風險轉移的(de)機制(zhi)，也是(shi)分(fen)攤(tan)意外事故損(sun)失和(he)提供經濟保(bao)障的(de)一(yi)(yi)種(zhong)(zhong)非常有效的(de)財(cai)務安排(pai)。

保險(xian)(xian)的(de)意義和功(gong)用(yong)(yong)：買保險(xian)(xian)的(de)意義是為了轉移我(wo)們(men)身(shen)邊的(de)風(feng)險(xian)(xian)，人這一(yi)生也不是風(feng)平浪靜。隨(sui)時(shi)可能遇(yu)到風(feng)險(xian)(xian)，發生意外，一(yi)旦風(feng)險(xian)(xian)發生，保險(xian)(xian)就立刻變(bian)成一(yi)大(da)筆(bi)急用(yong)(yong)的(de)現金，以便于我(wo)們(men)得(de)到最(zui)及時(shi)、有效的(de)治療和幫助。