保险常识（Insurance knowledge）.docVIP

保险常识（Insurance knowledge） Risk refers to the possibility of a loss occurring in a given environment over a given period of time. Risk is composed of risk factors, risks, accidents and risk losses. In other words, is in a specific time period, between people expectations and the actual result of the distance is called risk. For example, a person in a heavy snow days, in the rush hour of work, riding his no brakes, no bell bike, starting from home, ready to go shopping mall to buy Leather shoes. Unfortunately, halfway out of the traffic accident. Here, lets analyze: Heavy snow, rush hour, no brakes and no bicycles are risk factors; Traffic accident is a risk accident; The death or disability of the party is the loss caused by this risk accident. The huge distance between the original purpose and home shopping street results. In everyday life, this sudden risk accident often brings a heavy blow to an otherwise happy family. In short, the increase of risk factors will lead to the possibility of risk accidents increase; and the occurrence of risk accidents may lead to the emergence of losses. This is the dialectical relationship between risk factors. Risk factors refer to the conditions that cause or increase the chance of risk accidents or enlarge the magnitude of losses, and they are also the potential causes of risk accidents. It can be divided into material risk factor, moral risk factor and psychological risk factor. Insurance refers to the insured according to the contract, pay insurance premiums to the insurer, the insurer may contract for the accidents caused by the loss of its assets to bear the liability to pay the insurance money, or when the insured person dies, disability or disease reached under the contract age period, commercial insurance act payment of insurance liability. An insurance company refers to an enterprise established exclusively according to law to operate commercial insurance business. The forms of insurance companies in China are two kinds