It is to because accident reason is caused,point to insurant when the body is harmed or causing deformed, death, the underwriter undertakes the person insurance contract that pays insurance gold duty according to the agreement.

• 是指被保险人由于意外原因造成身体伤害或导致残废、死亡时，保险人按照约定承担给付保险金责任的人身保险合同。