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什么叫预约保险单（OPEN POLICY）？有什么作用？

What is an OPEN POLICY? What does it do?

答：预约保险单是基于长期合作，保险人与被保险人之间签订的预约保险或保险约定。可以避免繁杂的保险手续，可以防止漏保，保费定期结算及可以优惠，减少被保险人的资金占用。

Answer: open policy is based on long-term cooperation, open insurance or insurance agreement signed between the insurer and the insured. Can avoid multifical insurance formalities, can prevent leak to protect, insurance cost settles accounts regularly and can preferential benefit, reduce the capital that insurant takes up.