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保险作为一种经济补偿制度，以概率论和大数法则为依据收取保险费，集中有同一危险的多数单位的资金建立保险基金，利用“分散危险、分摊损失”的办法，对少数参加者（被保险人）由于特定灾害事故造成的损失进行经济补偿，或对人身伤亡给付保险金。从法律的观点看，保险是一种
As an economic compensation system, insurance is charged on the basis of probability theory and law of large numbers. Insurance is set by pooling funds of most units with the same risk. Insurance is set up by means of “dispersing risks and allocating losses” Insured) Economic compensation for loss due to a specific disaster or insurance coverage for personal injury or death. From a legal point of view, insurance is one type