the paper gives a detailed analysis of the legal character of p & i insurance contract on the basis of a discussion of the constructive conditions of insurance contract, and thereby draws the conclusion that p & i insurance contract has the essence of insurance contract 摘要在闡述保險(xiǎn)合同構(gòu)成要件的基礎(chǔ)上,對保賠保險(xiǎn)合同的法律性質(zhì)進(jìn)行了具體分析,得出了保賠保險(xiǎn)合同本質(zhì)上是一種保險(xiǎn)合同的結(jié)論。