我国保险可分为商业保险及社会保险。当事人自愿缔结的合同关系,投保人根据合同约定,向保险公司支付保险费,保险公司根据合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任,或者当被保险人死亡、伤残、疾病或达 China’s insurance can be divided into commercial insurance and social insurance. The parties voluntarily concluded the contractual relationship, the insured in accordance with the contract to pay insurance premiums to the insurance company, the insurance company in accordance with the contract may be due to accidents occurred due to the property damage liability insurance liability, or when the insured person dies , Disability, illness or up