保额与保费是同一个概念吗?-法律综合法律援助-法律咨询免费平台-国际律师联盟

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问题	保额与保费是同一个概念吗?
释义	保额与保费不是同一个概念。保险金额简称保额，指保险人承担赔偿或者给付保险金责任的最高限额，也是保险公司支付合理费用赔偿的最高限额，同时也是计算保险费的主要依据。保费也称保险费，是投保人为取得保险保障，按保险合同约定向保险人支付的费用。保费交纳形式：可在保险公司营业厅现场交纳；委托银行代交；通过保险公司指定的网络支付平台网上交纳。保费逾期不交，将直接影响到投保人利益，可能产生滞纳利息或导致保单失效，无法获得理赔。
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