The concept of"insurance"in"Insurance Law"can not solve the problems in practice.The problems of this concept include that"insurance contract"is confused with"insurance",the concept of"insurance"is divided unreasonably into"life in-surance"and"property insurance".Moreover,the use of words such as"compensation","proceeds"and"liability"in the Law are not rigorous.From the perspective of logic,to define"insurance",we need to adopt the classic way of"genus plus species difference".The"genus"of the insurance concept should not be"system","legal relationship"or"common group",but be the"act".The"differentia"of the concept of"insurance"include"specific risk","common group"and"mutual assistance",but"insurable interest"and"independent legal claims"should not be regarded as the species differences of insurance concept.Therefore,on amending the Insurance Law,the concept of insurance may be modified as follows:"Insurance is an act of mutual assistance of a common group formed by people who face specific risks,and is effected when the members of the common group suffer damage or loss due to the specific risk".Under this concept,no matter lawful insurance or unlawful insurance,or licensed and unlicensed insurance,they should all be supervised by the relevant authority.
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