保险责任和除外责任禾木保险责任是根据保险契约的规定．保险标的在约定的保险事故或保险事件发生时，保险人（保险公司）应承担的赔偿经济损失和人身保险金给付责任。保险责任既是保险人承担赔偿和给付责任的前提和范围，也是被保险人索取赔款和要求给付的依据。与保险责... Insurance Liability and Exclusions Hemu Insurance Liability is based on the insurance contract. Insured (insurance company) shall bear the responsibility of compensating for economic losses and personal insurance premiums when the insured event occurs in the agreed insurance accident or insurance event. Insurance liability is not only the premise and scope of the insurer to assume the responsibility of compensation and payment, but also the insured claims and claims to pay the basis. With insurance ...