相互保险发端于英国的海上保险,主要组织形式包括相互保险公司、相互保险社、保险合作社、交互保险社。其中相互保险公司属于公司组织形式。相互保险社、保险合作社、交互保险社属于非公司组织形式。相互保险公司在国外普遍存在,相关的法律研究已经比较成熟。目前,相互保险公司在我国并不是一个广为人知的概念,国内学界对于相互保险的界定也是见仁见智,未有定论。可将相互保险公司定义为,相互保险公司是投保人基于相互保障的原则而设立并共同拥有,为自己办理保险业务的非营利性法人组织。 Mutual insurance originated in the United Kingdom maritime insurance, the main forms of organization including mutual insurance companies, mutual insurance, insurance cooperatives, interactive insurance agencies. Mutual insurance companies which belong to the organization of the company. Mutual insurance companies, insurance cooperatives, interactive insurance companies belong to non-corporate organizations. Mutual insurance companies are ubiquitous in foreign countries, and relevant legal research is relatively mature. At present, the mutual insurance company is not a well-known concept in our country. The domestic academia also has a different opinion about the definition of mutual insurance. A mutual insurance company can be defined as a mutual non-profit corporation that is established and co-owned by policyholders on the basis of mutual protection and that handles insurance business for themselves.