2. Three points of insurance: the subject of the contract: clearly define the subject of signing the insurance contract; Contract object: What insurance? Products; Contents of the contract: compensation matters and compensation amount agreed in the contract.
Insurance characteristics
1. Insurance is bound to have risks: the existence of insurance means that insurance institutions will compensate in a reasonable way according to the contract; No risk, no claim;
2. Insurance must make economic compensation for the losses caused by the accident: insurance is to ensure irreparable economic compensation after the accident, so as to reduce the family's economic pressure;
3. Insurance must be a mutual aid relationship: insurance is an insurance fund established after the insured pays the premium, so that the insured can get reasonable compensation from the insurance company when encountering difficulties in the future; The expenses paid by the insurance company to the insured can be reinvested to obtain income;
4. Insurance sharing must be reasonable: insurance claims must be determined through reasonable calculation.