人身意外伤害保险

[经] 意外保险, 事故保险

Insurance \In*sur"ance\, n. [From {Insure}.]
1. The act of insuring, or assuring, against loss or damage
by a contingent event; a contract whereby, for a
stipulated consideration, called premium, one party
undertakes to indemnify or guarantee another against loss
by certain specified risks. Cf. {Assurance}, n., 6.

Note: The person who undertakes to pay in case of loss is
termed the insurer; the danger against which he
undertakes, the risk; the person protected, the
insured; the sum which he pays for the protection, the
premium; and the contract itself, when reduced to form,
the policy. --Johnson's Cyc.

2. The premium paid for insuring property or life.

3. The sum for which life or property is insured.

4. A guaranty, security, or pledge; assurance. [Obs.]

The most acceptable insurance of the divine
protection. --Mickle.

5. Hence: Any means of assuring against loss; a precaution;
as, we always use our seat belts as insurance against
injury.
[PJC]

{Accident insurance}, insurance against pecuniary loss by
reason of accident to the person.

{Endowment insurance} or {Endowment assurance}, a combination
of life insurance and investment such that if the person
upon whose life a risk is taken dies before a certain
specified time the insurance becomes due at once, and if
he survives, it becomes due at the time specified. Also
called {whole life insurance}.

{Fire insurance}. See under {Fire}.

{Insurance broker}, a broker or agent who effects insurance.


{Insurance company}, a company or corporation whose business
it is to insure against loss, damage, or death.

{Insurance policy}, a certificate of insurance; the document
containing the contract made by an insurance company with
a person whose property or life is insured.

{Life insurance}. See under {Life}.