【中文版】

基本保险金额是保险合同中双方当事人约定的保险金额，也是保险人支付保险金的最高限额。在人身保险中，基本保险金额通常以“人民币100元”为单位，而财产保险中的基本保险金额则根据不同财产的性质和价值确定。

基本保险金额是计算保险费的基础。在购买保险时，投保人需要根据基本保险金额和保险费率向保险公司支付保险费。而当发生保险事故时，保险公司将根据基本保险金额和保险合同中约定的赔偿比例向被保险人或受益人支付保险金。

需要注意的是，不同种类的保险合同中基本保险金额的含义可能会有所不同。例如，在终身寿险合同中，基本保险金额通常表示为一定年限内被保险人死亡时保险公司支付的最高赔偿金额；而在医疗保险合同中，基本保险金额通常表示为一定年限内被保险人因疾病或意外伤害需要治疗时保险公司支付的最高报销金额。

总之，基本保险金额是保险合同中重要的条款之一，它决定了投保人需要支付的保险费用以及发生保险事故时保险公司支付的最高赔偿金额。因此，在购买保险时，投保人需要根据自身情况和需求确定合适的基本保险金额。

【英文版】

The basic insurance amount is the agreed insurance sum between the two parties in the insurance contract, and it is also the maximum limit of insurance payment. In personal insurance, the basic insurance amount is usually in the unit of "RMB 100", while in property insurance, the basic insurance amount is determined according to the nature and value of different properties.

The basic insurance amount is the basis for calculating insurance premiums. When purchasing insurance, the policyholder needs to pay insurance premiums to the insurance company based on the basic insurance amount and premium rate. And when an insurance event occurs, the insurance company will pay compensation to the insured or beneficiary based on the basic insurance amount and the compensation ratio agreed in the insurance contract.

It should be noted that the meaning of the basic insurance amount may differ in different types of insurance contracts. For example, in a whole life insurance contract, the basic insurance amount usually represents the maximum compensation that the insurance company will pay when the insured dies within a certain number of years; while in a medical insurance contract, the basic insurance amount usually represents the maximum reimbursement that the insurance company will pay when the insured needs treatment due to illness or accidental injury within a certain number of years.

In summary, the basic insurance amount is one of the important terms in an insurance contract, which determines the premium that the policyholder needs to pay and the maximum compensation that the insurance company will pay when an insurance event occurs. Therefore, when purchasing insurance, policyholders need to determine the appropriate basic insurance amount based on their own situation and needs.