Insurance is a risk transfer mechanism, whereby the individual or the business enterprise can shift some of the uncertainty of life onto the shoulders of others. In return for a known premium, usually a very small amount compared with the potential l

Insurance is a risk transfer mechanism, whereby the individual or the business enterprise can shift some of the uncertainty of life onto the shoulders of others. In return for a known premium, usually a very small amount compared with the potential loss, the cost of that loss can be transferred to an insurer.

保险是一种风险转移机制。通过保险个人或企业可以将生活中一些不确定因素转移给其他人通过缴纳明确数额的保险费(和潜在损失相比这通常是很小的一笔费用)这部分损失即可转移给承保人。