In the contract signed between Xiao Zhangwai and the insurance company, it is stipulated that "when an insurance accident occurs, the insurance company will compensate the insurance money". Why is this agreement not an additional clause?
Taking the insurance contract as an example, the lottery contract is similar to the conditional contract in that the effectiveness of the contract is uncertain and depends on whether the insurance accident occurs or not.
The difference is that if it is a conditional contract, the conditions will determine the rights and obligations of both parties to the contract, while in an insurance contract, its legal effect, that is, how much the insurer has to pay, is uncertain and depends on the size of the loss. The same is true of lottery tickets, which were unknown before the grand prize and the small prize.