在商品经济社会里,投资者总是期望每一项经济投入有新回报,但是由于各种风险的客观存在,经济投资未必能产生预期的收益或得到满意的回报。那么,市民家庭投资于保险是否有回报呢?当保险费成为市民家庭的一项经济支出时,由于涉及市民的切身利益,具有投资概念的市民往往会提出“买保险是否合算?”的问题。 作为预防灾害事故危害的经济保障措施,买保险无疑是一种最佳选择之一。保险是一种社会互助互救性质,对自然灾害和意外事故损失进行经济补偿的手段,也是一种由社会共同分担风险的自救与互救结合的有 In a commodity-economy society, investors always expect new returns on every economic investment, but due to the objective existence of various risks, economic investment may not necessarily produce the expected benefits or return satisfactory. When the insurance premiums become an economic expenditure of the citizens’ families, citizens with the investment concept often ask questions such as “Is it cost-effective to buy insurance?” As an economic safeguard against disaster hazards, buying insurance is undoubtedly one of the best choices. Insurance is a social mutual aid and rescue nature of natural disasters and accidental losses of economic means of compensation, but also by the community to share the risk of self-help and mutual aid have the risk of