一、保险合同的特征保险合同是保险关系产生的重要媒介。从某种意义上来说,保险人从展业到理赔,实际上就是与投保人订立和履行保险合同的过程。所谓保险合同是指投保人支付规定的保险费,保险人对投保标的因保险事故所造成的损失,在保险金额的范围内承担赔偿责任,或在合同约定期限届满时,承担给付保险金义务的协议。保险合同作为合同的一种,除了具有合同的一般特征,还有自身的独特性。目前的一些保险学和保险法学论著在论述这个问题时,无外乎两种方法:一是先谈保险合同的一般特 First, the characteristics of the insurance contract Insurance contract is an important medium of insurance relations. In a sense, the insurer from the exhibition to the claims, in fact, is the process of entering into and fulfilling insurance contracts with the policyholders. The so-called insurance contract refers to the insurance premiums paid by the insured, the insured for the insured due to insurance losses caused by the accident, within the scope of the insured amount of compensation liability, or at the expiration of the contractual period, bear the obligation to pay insurance obligations protocol. Insurance contract as a kind of contract, in addition to having the general characteristics of the contract, as well as its own uniqueness. At present, some insurance law and insurance law treatise discuss this issue without exception, there are two ways: First, the general principle of insurance contracts