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我们通常讲保险责任,习惯上总是把赔偿保险金责任与给付保险金责任混同起来,称作保险赔偿,严格地讲,这是一种不够准确的表述.其所以不够准确,是因为寿险与非寿险的保险责任具有截然不同的契约性质.《中华人民共和国保险法》的总则和一般规定的条文中,有23处涉及保险责任的,均把赔偿保险金与给付保险金作了分别表述.法律文件以它用语的严谨性和准确性,向人们说明给付与赔偿是两种性质不能混同的保险责任.
We usually talk about insurance liability, and we always confuse the liability of insurance indemnity with the liability of insurance benefit, which is called insurance indemnity strictly speaking, which is a kind of imprecise statement, which is not accurate enough because life insurance and Non-life insurance has very different contractual nature of the contractual obligations of the “People’s Republic of China Insurance Law,” the provisions of the general provisions and general provisions, there are 23 insurance liability, compensation and insurance benefits are made separately expressed. The document, with the rigor and accuracy of its terms, shows that payment and compensation are two types of insurance that are incompatible with one another.