»The Concept of Insurance under the VVG and VAG. A Contribution to the Dogmatics of Insurance«: This thesis systematically examines the concept of insurance under the VVG and VAG from doctrinal, interdisciplinary, and comparative perspectives. At its core is the newly developed molecule model, which supersedes traditional approaches and elucidates the normative essence of insurance. The study bridges insurance contract law and supervisory law, offering foundational insights for academia, the judiciary, and regulatory practice.