first, the function of financing

the function of financing refers to reinvesting the idle part of the formed insurance funds into the social reproduction process. In order to make the insurance business stable, the insurer must ensure the appreciation and preservation of the insurance funds, which requires the insurer to use the insurance funds.

second, the function of social management

social management refers to the process of regulating and controlling the whole society and its various links. The purpose is to give full play to the functions of various systems, departments and links, so as to achieve harmonious social relations, benign operation and effective management of the whole society.

Third, the compensation function of organizational economic funds

From an economic point of view, insurance is a loss allocation method. The insurance fund is established with the premiums paid by most units and individuals, so that the losses of a few members are shared by all the insured.

Insurance is a Chinese word, the pinyin is b ? o xi ? n, and the English is insurance or insurance, which means safe and reliable protection. Later extended into a security mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.

Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer is liable for the compensation for the property losses caused by the possible accidents agreed in the contract, or the insured is liable for paying the insurance premium when he dies, is disabled, falls ill or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a kind of contractual behavior, a contractual arrangement in which one party agrees to compensate the other party for its losses; From the social point of view, insurance is an important part of the social and economic security system, and it is a "delicate stabilizer" for social production and social life. From the perspective of risk management, insurance is a method of risk management.

insurance must know:

(1) When the salesman visits you, you have the right to ask the salesman to show his valid work certificate of the insurance company, including the Qualification Appraisal of Insurance Sales Practitioners and the Practice Certificate of Insurance Sales Practitioners.

(2) You have the right to ask the salesman to truthfully explain the relevant contents of insurance according to the insurance clauses. When you decide to take out insurance, please read the insurance clauses carefully to ensure your own rights and interests.

(3) When filling in the insurance policy, you must truthfully fill in the relevant contents and sign it yourself; The signature column of the insured shall be signed by the insured personally (except for children's insurance).

(4) When you pay, the salesman must issue a temporary receipt of insurance premium on the spot, and sign the name and salesman code on this receipt; You can also ask the salesman to take you to the insurance company for payment.

(5) If you have not received the formal insurance policy after one month of insurance, please check with the insurance company.

after receiving the insurance policy, you should check it on the spot. If you find any mistakes or omissions, you have the right to ask the insurance company to correct them in time.

(6) within a certain period after insurance, you have the right to withdraw the contract, depending on the regulations of each company.

(7) If your mailing address changes, please inform the insurance company in time to ensure that you can enjoy continuous service.

(8) Please pay attention to the economic losses that may be caused by surrender or reduction of insurance.

(9) after the insurance accident, please refer to the relevant provisions of the insurance clauses and get in touch with the insurance company or salesman in time.

(1) If you have any questions or opinions in the insurance process, you can consult with the relevant departments of the insurance company, reflect or complain to the insurance industry association.