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今天和大家分享下关于保险（Insurance）的一种定义。相对笼统和精炼，同时在概念描述把握上很到位，大家可以参考或者在写论文或者方案时参考。
Insurance is a means of protection from financial loss. It is a form of risk anagement, primarily used to hedge against the risk of a contingent or uncertain loss.
An entity which provides insurance is known as an insurer, insurance company, insurance carrier or underwriter. A person or entity who buys insurance is known as an insured or as a policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and usually involves something in which the insured has an insurable interest established by ownership, possession, or pre-existing relationship.
The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured. The amount of money charged by the insurer to the insured for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster. The insurer may hedge its own risk by taking out reinsurance, whereby another insurance company agrees to carry some of the risk, especially if the primary insurer deems the risk too large for it to carry.
保险是一种保护免受经济损失的手段。它是一种风险管理形式，主要用于对冲或有或不确定损失的风险。
提供保险的实体被称为保险公司，保险公司，保险公司或承销商。购买保险的个人或实体称为被保险人或保单持有人。保险交易涉及被保险人向保险公司支付保证和已知的相对较小的损失，以换取保险公司承诺在承保损失的情况下赔偿被保险人。损失可能是也可能不是财务损失，但必须可以减少到财务条款，并且通常涉及被保险人拥有所有权，占有权或已存在关系所确定的可保利益的事项。
被保险人收到一份称为保险单的合同，该合同详细说明了保险人赔偿被保险人的条件和情况。保险人就保险单中规定的保险范围向被保险人收取的金额称为保险费。如果被保险人遭受保险单可能承担的损失，被保险人向保险公司提出索赔要求由索赔理算人处理。保险公司可以通过再保险来对冲自己的风险，另一家保险公司同意承担部分风险，特别是如果主要保险公司认为风险太大而无法承担风险。
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