保险契约是一种损失补偿或履行保险金额给付义务的契约。要求投保的一方支付保险费;接受保险的一方在保险标的(也称保险项目或保险对象)遭受保险事故造成损失时承担 An insurance contract is a contract that compensates for loss or fulfills the obligation to pay the insurance amount. The insured party pays the insurance premium; the insured party assumes the insured risk (also referred to as the insured item or insured object)