根据《保险法》的规定,保险合同是指投保人与保险人约定保险权利义务关系的协议。作为保险合同应当具有如下特征:第一,保险合同是双务有偿的合同。第二,保险合同是射幸合同。第三,保险合同是最大诚信合同。第四,保险合同是要式合同。第五,保险合同是符合合同。作为保险索赔的根据就是保险事故的发生,在现实生活中投保人往往 According to the “Insurance Law”, the insurance contract refers to the agreement between the policy holder and the insurer on the insurance rights and obligations. As the insurance contract should have the following characteristics: First, the insurance contract is a double contract paid contract. Second, the insurance contract is shot fortunately the contract. Third, the insurance contract is the largest contract of good faith. Fourth, insurance contracts are contractual ones. Fifth, the insurance contract is in line with the contract. As the basis of insurance claims is the occurrence of insurance accident, in real life, the insured often