缠藤小妖
Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of a guaranteed small loss to prevent a large, possibly devastating large loss. An insurer is a company selling the insurance. The insurance rate is a factor used to determine the amount, called the premium, to be charged for a certain amount of insurance coverage. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.http://
吃那么一天
中国人寿保险股份有限公司China Life Insurance Company Limited。
中国人民财产保险股份有限公司PICC Property and Casualty Company Limited。
股份保险公司的股东并不一定是公司的顾客，相互公司的投保人作为所有人可以参加选举董事会，由董事会任命公司的高级管理人员专事公司的业务经营与管理。投保人能以取得"红利"的形式分享经营成果。
专属保险公司由工商企业自己设立，旨在为该企业、附属企业以及其他相关企业的风险保险或再保险的保险公司。
股份保险公司：
股份保险公司类似于其他产业的股份公司，由发起人根据《公司法》设立，由此具体规定了公司发起人的人数、公司债务的限额、发行股票的种类、税收、营业范围、公司的权力、申请程序、公司执照等。西方发达国家的公司组织由三个权力集团组成，即股东、董事会、高级经理人员。
相互保险公司相互保险公司也是一种公司组织形式，但是一种非营利公司，没有股东，公司为保单持有人（投保人）拥有。因此投保人具有双重身份，既是公司所有人，又是公司的客户。
刘小淼淼淼
SA是英文SumAssured的缩写，保险费SA支出是保险金额支出。保险金额是保险人承担赔偿或者给付保险金责任的最高限额。在不同的保险合同中，保险金额的确定方法有所不同。在财产保险中，保险金额要根据保险价值来确定；在责任保险和信用保险中，一般由保险双方当事人在签订保险合同时依据保险标的的具体情况商定一个最高赔偿限额，还有些责任保险在投保时并不确定保险金额；在人身保险中，由于人的生命价值难以用货币来衡量，所以不能依据人的生命价值确定保险金额，而是根据被保险人的经济保障城要与投保人支付保险费的能力，由保险双方当事人协商确定保险金额。
扩展阅读：【保险】怎么买，哪个好，手把手教你避开保险的这些"坑"
派大海绵
Please tell me whether I need to purchase a foreign student policy.告诉我是否我需要购买外国学生保险。I'd like to know whether basic health insurance coverage should include benefits for outpatient, hospital, surgery and medical expenses.我想知道基本健康保险所列的项目是否应包括医院门诊，住院，手术及药品等费用的赔偿。Will you please tell me where I can purchase health insurance?请告诉我在何处能买到健康保险？Health insurance is merely a mean by which people pool money to guard against the sudden economic consequences of sickness or injury.健康保险就是筹集一些钱以预防疾病或受伤而突然发生的经济困难。%26quot;Major medical%26quot; insurance policies are designed to help offset heavy medical expenses that can result from a prolonged illness or serious injury.“巨额医药费保险”旨在协助减轻久病及重伤所造成的重大医药开支。If the benefits provided under a certain policy have a dollar limitation for each service, you should determine whether these limitations are realistic.如果某一家保险公司的健康保险对每种服务定有赔偿限额，你应断定这些限额是否合乎实际。Words and Phraseshealth insurance 疾病保险，健康保险sickness insurance 疾病保险insurance for medical care 医疗保险%26quot;major medical%26quot; insurance policy 巨额医药费保险insurance during a period of illness 疾病保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险to purchase health insurance 购买健康保险to have a health insurance policy 购买健康保险Additional Words and Phrasespolicy-holder 保险客户extra premium 额外保险费additional premium 附加保险费insurance law 保险法insurance act 保险条例insurance industry? 保险业insurance division 保险部insurance treaty 保险合同cover note 保险证明书guarantee of insurance 保险担保书premium rebate 保险费回扣insurance claim 保险索赔ceding, retrocession(for reinsurance) 分保reinsurance 分保（再保险）ceding(insurance)company 分保公司co-insurance company 共同保险公司insurance document 保险单据certificate of insurance 保险凭证increasing coverage, extending coverage 加保renewing coverage 续保insurance commission 保险佣金social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险
