中文：

购买保险时，我们通常需要支付一定的保费。然而，有时候我们会发现扣费的情况，这可能会让我们感到困惑。那么，为什么购买保险时会扣费呢？

首先，保险是一种金融产品，需要保险公司进行管理和运营。因此，保险公司需要投入一定的人力和物力资源，包括开发保险产品、设计保险合同、管理赔付流程等等。这些成本需要从保费中获得回报，因此购买保险时会扣除一定的费用。

其次，保险公司为了确保合同的履行和赔付的及时性，需要进行风险评估和风险管理。这需要投入专业的人员和专门的设备，因此也需要从保费中获得回报。

此外，购买保险时扣费还有一些其他的原因。例如，保险公司需要扣除一定的手续费，以支付销售保险产品的渠道费用；保险公司还需要扣除一定的税费和政府收费等。

总的来说，购买保险时会扣费是因为保险公司需要进行管理和运营，进行风险评估和风险管理，以及支付渠道费用、税费和政府收费等。这些费用都是为了保证保险产品的正常销售和及时赔付。

英文：

When purchasing insurance, we usually need to pay a certain premium. However, sometimes we find that there are fees deducted, which may puzzle us. So, why are fees deducted when buying insurance?

Firstly, insurance is a financial product that requires insurance companies to manage and operate. Therefore, insurance companies need to invest in certain human and material resources, including developing insurance products, designing insurance contracts, managing compensation processes, etc. These costs need to be repaid from the premium, so a certain amount of fees are deducted when purchasing insurance.

Secondly, insurance companies need to perform risk assessment and risk management to ensure the fulfillment of contracts and the timeliness of compensation. This requires the investment of professional personnel and special equipment, so it also needs to be repaid from the premium.

In addition, there are some other reasons for the deduction of fees when purchasing insurance. For example, insurance companies need to deduct a certain commission to pay for the distribution fees of selling insurance products; insurance companies also need to deduct certain taxes and government fees.

Overall, fees are deducted when purchasing insurance because insurance companies need to manage and operate, perform risk assessment and risk management, and pay distribution fees, taxes, and government fees. These fees are to ensure the normal sale of insurance products and timely compensation.