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企业或家庭购买保险,是一种有备无患的减灾意识,也可以说是一种“花小钱,保大钱”的灾前投资,从企业或家庭的角度看保险,称之为“买”。因为向保险公司投保就要付一定的保险费,保险单是花钱“买”来的,从保险原理看保险,称之为“参加”。因为保险实质上是一种“千家万户帮一家”的社会互助共济形式。不论是买或是参加,企业或家庭与保险公司一旦订立了保险契约,这份保险契约就是一份经济合同,被保险人根据合同规定向保险公司交纳保险费,
The purchase of insurance by enterprises or families is a well-prepared awareness of disaster reduction. It can also be described as a pre-disaster investment to save money and save money. Insurance is called “buying” from the perspective of a business or a family. Because insured to insurance companies have to pay a certain premium, insurance policy is to spend money “buy” to insurance from the insurance policy, called “participation.” Because insurance is essentially a form of social mutual aid and assistance that “every household can help one”. Whether buying or participating, once an insurance contract is concluded between an enterprise or a family and an insurance company, the insurance contract is an economic contract and the insured pays the insurance premium to the insurance company according to the contract.