問 我最近由(you)于(yu)失業了，朋友(you)建議我買商業保(bao)險(xian)，請問(wen)什么(me)是商業保(bao)險(xian)啊？

答 商業(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)又稱(cheng)金(jin)融保(bao)(bao)(bao)險(xian)(xian)(xian)，是(shi)相對于社會(hui)保(bao)(bao)(bao)險(xian)(xian)(xian)而言的。商業(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)組織(zhi)根據保(bao)(bao)(bao)險(xian)(xian)(xian)合同約定，向(xiang)投保(bao)(bao)(bao)人收(shou)取(qu)保(bao)(bao)(bao)險(xian)(xian)(xian)費，建立保(bao)(bao)(bao)險(xian)(xian)(xian)基金(jin)，對于合同約定的發(fa)生造(zao)成(cheng)的財(cai)產損失(shi)承擔(dan)(dan)賠償責任(ren)；或當被保(bao)(bao)(bao)險(xian)(xian)(xian)人死亡、傷(shang)殘、疾(ji)病或者達到(dao)合同約定的年齡(ling)、期限時承擔(dan)(dan)給付保(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)責任(ren)的一種合同行為。