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保险合同是保险关系双方之间订立的一种在法律上具有约束力的协议,即根据当事人双方约定,一方支付保险费于对方,对方在保险标的遭受约定事故时,承担经济补偿责任,或者在约定事故出现时履行给付义务.从保险人承担的责任内容来看,保险合同具有两种不同的性质:第一是补偿合同,具有损失补偿的性质,例如财产保险合同、责任保险合同.保险人在约定事故发生后,要根据被保险人遭受实际损失的程度,给予赔偿.第二是给付合同,即只要合同规定的特定事件出现(包括一定期限届满),保险人就有履行给付的义务,例如人身保险合同.
Insurance contract is a legally binding agreement concluded between the two parties. According to the agreement of both parties, one party pays insurance premium to the other party and the other party bears the responsibility of financial compensation when the subject matter of insurance subject to the agreed accident, or In the event of an accident occurring to fulfill the obligation to pay the content of the liability assumed by the insurer, the insurance contract has two different properties: The first is the compensation contract, with the nature of the loss compensation, such as property insurance contracts, liability insurance contracts. After the stipulated accident occurs, compensation should be given according to the degree of actual losses suffered by the insured person.The second is the payment of the contract, that is, as long as the specific events stipulated in the contract (including the expiration of a certain period of time), the insurer has the obligation to fulfill the payment, Such as life insurance contracts.