保险的基本保障职能是什么？

中文版：

保险作为一种风险转移和经济补偿的机制，其基本保障职能主要体现在两个方面：风险分散和经济补偿。

首先，保险的基本职能之一是风险分散。保险通过集合大量同类风险单位，建立保险基金，将个别单位和个人所面临的风险转移给所有参加保险的成员，从而实现风险的分散。这种分散化的处理方式使得风险得以在更大的范围内被分摊，从而降低了个人或单位因单一风险事件所承受的经济损失。

其次，保险的另一基本职能是经济补偿。当保险合同中约定的风险事件发生时，保险公司会按照合同规定，向被保险人提供经济上的补偿。这种补偿可以用于弥补因风险事件导致的财产损失、人身伤害等经济损失，帮助被保险人尽快恢复正常生活和生产活动。

综上所述，保险的基本保障职能是通过风险分散和经济补偿的方式，为个人和单位提供经济上的安全保障。这种机制不仅有助于降低风险对个人和单位的影响，还有助于维护社会的稳定和持续发展。

英文版：

What Are the Basic Protective Functions of Insurance?

Insurance, as a mechanism for risk transfer and economic compensation, primarily体现s its basic protective functions in two aspects: risk diversification and economic compensation.

Firstly, one of the fundamental functions of insurance is risk diversification. By pooling a large number of similar risk units and establishing an insurance fund, insurance transfers the risks faced by individual units and individuals to all participating members, thus achieving risk diversification. This decentralized approach allows risks to be distributed over a broader scope, reducing the economic losses borne by individuals or units due to single risk events.

Secondly, another essential function of insurance is economic compensation. When a risk event stipulated in the insurance contract occurs, the insurance company will provide economic compensation to the insured according to the contract provisions. This compensation can be used to offset economic losses such as property damage and personal injury caused by risk events, helping the insured recover normal life and production activities as soon as possible.

In conclusion, the basic protective functions of insurance provide economic security for individuals and units through risk diversification and economic compensation. This mechanism not only helps to reduce the impact of risks on individuals and units but also contributes to maintaining social stability and sustainable development.