Insurance(保险)is the sharing of risks. Nearly everyone is exposed to risk of some sort. The house owner, for example, knows that his property can be damaged by fire, the ship-owner knows that his vessel may be lost at sea: the breadwinner knows that he may die at any early age and leave his family poorer. On the other hand,not every house is damaged by fire nor every vessel lost at sea. If these persons, each put a small sum into a pool. there will be enough to meet the needs of the few who do suffer loss. In other words, the losses of the few are met from the contributions of the many. This is the basis of insurance. Those who pay the contribution are known as insured and those who administer(管理)the pool of contributions as insurers.
The legal basis of all insurance is the policy. This is a printed form of contract on stout paper of the best quality. It states that in return for the regular payment by the insured of a named sum of money, called the premium (保险费), which is
A. only a small proportion of the insured suffer loss
B. only insured people suffer loss
C. nearly everyone suffers loss
D. everyone at some time suffers loss
Insurance(保险)is the sharing of risks. Nearly everyone is exposed to risk of some sort. The house owner, for example, knows that his property can be damaged by fire, the ship-owner knows that his vessel may be lost at sea: the breadwinner knows that he may die at any early age and leave his family poorer. On the other hand,not every house is damaged by fire nor every vessel lost at sea. If these persons, each put a small sum into a pool. there will be enough to meet the needs of the few who do suffer loss. In other words, the losses of the few are met from the contributions of the many. This is the basis of insurance. Those who pay the contribution are known as insured and those who administer(管理)the pool of contributions as insurers.
The legal basis of all insurance is the policy. This is a printed form of contract on stout paper of the best quality. It states that in return for the regular payment by the insured of a named sum of money, called the premium (保险费), which is
A. the cost of administering insurance
B. the amount of each premium
C. money paid by the insurers
D. money paid by the insured
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