【中文版】

基本保额是指在保险合同中规定的保险金额，是保险公司向被保险人支付保险赔偿的最高限额。在人身保险中，基本保额通常指的是被保险人的生命价值，即被保险人因疾病或意外事故导致身故或全残时，保险公司将按照合同约定向受益人支付保险金。

基本保额的确定是根据被保险人的年龄、性别、健康状况等因素来决定的。在购买保险时，被保险人需要根据自己的实际情况选择基本保额。不同的保险公司和不同的保险产品都有不同的基本保额规定。

除了基本保额外，人身保险合同中还有其他的保险条款和细则，如保险期限、保险责任、保费支付方式等。被保险人需要认真阅读合同条款，了解自己的权利和义务，以及在遇到保险事故时如何申请赔偿。

总之，基本保额是保险合同中重要的条款之一，被保险人需要根据自己的实际情况选择合适的保额，以确保在遇到保险事故时能够得到足够的保障。

【英文版】

What is basic insurance amount?

The basic insurance amount (BIA) refers to the insurance coverage stipulated in the insurance contract, which is the maximum limit of insurance compensation that the insurance company will pay to the insured. In personal insurance, the basic insurance amount is usually the life value of the insured, which means that if the insured dies or becomes completely disabled due to illness or accident, the insurance company will pay the insurance benefit to the beneficiary according to the contract.

The determination of basic insurance amount is based on factors such as the age, gender, and health status of the insured. When purchasing insurance, the insured needs to choose the basic insurance amount according to their actual situation. Different insurance companies and different insurance products have different basic insurance amount regulations.

In addition to the basic insurance amount, there are other insurance terms and conditions in personal insurance contracts, such as insurance period, insurance responsibility, and premium payment method. The insured needs to carefully read the contract terms, understand their rights and obligations, and know how to apply for compensation in case of an insurance event.

In short, the basic insurance amount is one of the important terms of the insurance contract. The insured needs to choose a suitable insurance amount according to their actual situation to ensure sufficient protection in case of an insurance event.