商業保險按保險標分

人身保險

人身保險種類

按保險責任分類

（1）意外傷害保險：當(dang)被保者的身體由于保險(xian)合(he)同(tong)保障的意外事(shi)故遭受傷害導致損(sun)失時，保險(xian)公司會依據(ju)保險(xian)合(he)同(tong)的約定賠付意外保險(xian)金。

（2）壽險：壽(shou)險(xian)還能細(xi)分為定期壽(shou)險(xian)、終身(shen)壽(shou)險(xian)、兩全保(bao)險(xian)、年金保(bao)險(xian)，當被保(bao)者生(sheng)存到約(yue)定的時(shi)間(jian)或在約(yue)定的時(shi)間(jian)內身(shen)故的，保(bao)險(xian)公司(si)會給(gei)付一(yi)筆錢給(gei)保(bao)險(xian)受益人。

（3）健康保險：還可分為重大疾病保(bao)(bao)(bao)險(xian)、住院醫療(liao)保(bao)(bao)(bao)險(xian)、意(yi)外傷害醫療(liao)保(bao)(bao)(bao)險(xian)等，其保(bao)(bao)(bao)險(xian)標的是(shi)人(ren)的身體，當被保(bao)(bao)(bao)者發(fa)生(sheng)保(bao)(bao)(bao)險(xian)合同保(bao)(bao)(bao)障的疾病或意(yi)外事(shi)故所產(chan)生(sheng)費用或損(sun)失時，保(bao)(bao)(bao)險(xian)公司會承擔事(shi)先約定的保(bao)(bao)(bao)險(xian)金(jin)的給付義務(wu)。

按保險期間的不同分類

人身保險(xian)可(ke)以分為保障(zhang)期(qi)在一年以下的短險(xian)以及保障(zhang)期(qi)超過1年的長(chang)期(qi)險(xian)（如(ru)保障(zhang)5年、10年、30年等）。

按承保方式分類

人(ren)(ren)身(shen)保險(xian)有團(tuan)(tuan)體(ti)保險(xian)和個(ge)人(ren)(ren)保險(xian)之分。團(tuan)(tuan)體(ti)保險(xian)一般是單位或企業給自身(shen)的(de)全體(ti)職工配置(zhi)(zhi)的(de)，保單只(zhi)有一張，被保者(zhe)一般是5人(ren)(ren)以上。個(ge)人(ren)(ren)保險(xian)是指(zhi)被保者(zhe)為(wei)1人(ren)(ren)的(de)產品，一般是家庭成員配置(zhi)(zhi)的(de)。

按分紅紅利分類

人(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)可(ke)分(fen)為分(fen)紅保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)和消費型(xing)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。分(fen)紅保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)是(shi)指保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司會把經營所得(de)的可(ke)分(fen)配(pei)盈余按照一定的比例(li)分(fen)配(pei)給保(bao)(bao)(bao)(bao)單持有(you)人(ren)的險(xian)(xian)(xian)種。消費型(xing)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)也即到期若沒有(you)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)事故(gu)發(fa)生的保(bao)(bao)(bao)(bao)費不返還，只有(you)在保(bao)(bao)(bao)(bao)障期間(jian)內發(fa)生保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)事故(gu)才能獲(huo)賠。

人壽保險

保障范圍

人(ren)壽保(bao)(bao)險(xian)(xian)是人(ren)身保(bao)(bao)險(xian)(xian)的(de)(de)(de)一種，以被保(bao)(bao)險(xian)(xian)人(ren)的(de)(de)(de)壽命為(wei)保(bao)(bao)險(xian)(xian)標(biao)的(de)(de)(de)，且以被保(bao)(bao)險(xian)(xian)人(ren)的(de)(de)(de)生(sheng)存或死亡為(wei)給(gei)付條件(jian)的(de)(de)(de)人(ren)身保(bao)(bao)險(xian)(xian)。也就是說被保(bao)(bao)險(xian)(xian)人(ren)發生(sheng)保(bao)(bao)險(xian)(xian)事故時，保(bao)(bao)險(xian)(xian)人(ren)會支付保(bao)(bao)險(xian)(xian)費。

壽險險種

1、定期人壽：定(ding)(ding)期(qi)人(ren)壽保(bao)(bao)(bao)險(xian)就是約(yue)(yue)定(ding)(ding)一個保(bao)(bao)(bao)險(xian)期(qi)限，如(ru)果(guo)(guo)被保(bao)(bao)(bao)險(xian)人(ren)在約(yue)(yue)定(ding)(ding)期(qi)限里死亡，保(bao)(bao)(bao)險(xian)公(gong)司會向保(bao)(bao)(bao)險(xian)受益人(ren)賠(pei)付保(bao)(bao)(bao)險(xian)金；如(ru)果(guo)(guo)被保(bao)(bao)(bao)險(xian)人(ren)沒有在約(yue)(yue)定(ding)(ding)期(qi)限里死亡，那(nei)么也就這樣了，保(bao)(bao)(bao)險(xian)公(gong)司既不(bu)進行賠(pei)付，也不(bu)退還保(bao)(bao)(bao)費。

2、終身人壽：終(zhong)身人(ren)(ren)(ren)壽(shou)保(bao)(bao)(bao)險是(shi)在被保(bao)(bao)(bao)險人(ren)(ren)(ren)死(si)亡(wang)之后，保(bao)(bao)(bao)險公司向保(bao)(bao)(bao)險受益人(ren)(ren)(ren)進行賠(pei)付的保(bao)(bao)(bao)險，但(dan)是(shi)終(zhong)身人(ren)(ren)(ren)壽(shou)保(bao)(bao)(bao)險沒有(you)約定期限。由于人(ren)(ren)(ren)是(shi)一定會死(si)的，所以保(bao)(bao)(bao)險公司最終(zhong)一定會進行賠(pei)付。

3、生存保險：生(sheng)存保(bao)(bao)(bao)(bao)險要求被(bei)保(bao)(bao)(bao)(bao)險人(ren)一定要活到之前(qian)約(yue)定的期限。如果在到期之前(qian)，被(bei)保(bao)(bao)(bao)(bao)險人(ren)就死亡了，那么保(bao)(bao)(bao)(bao)險公(gong)司(si)既不(bu)會進行賠償，也不(bu)會退回保(bao)(bao)(bao)(bao)費。

4、生死兩全：生死兩全保險(xian)(xian)(xian)(xian)(xian)是將定期(qi)人(ren)壽保險(xian)(xian)(xian)(xian)(xian)和(he)生存保險(xian)(xian)(xian)(xian)(xian)進行(xing)組合(he)之后得到的保險(xian)(xian)(xian)(xian)(xian)。如(ru)果被(bei)(bei)保險(xian)(xian)(xian)(xian)(xian)人(ren)在(zai)約定的期(qi)限(xian)里死亡，保險(xian)(xian)(xian)(xian)(xian)公司會(hui)向保險(xian)(xian)(xian)(xian)(xian)受益人(ren)進行(xing)賠付；如(ru)果被(bei)(bei)保險(xian)(xian)(xian)(xian)(xian)人(ren)活到了約定期(qi)限(xian)結束，保險(xian)(xian)(xian)(xian)(xian)公司會(hui)向被(bei)(bei)保險(xian)(xian)(xian)(xian)(xian)人(ren)發放生存金(jin)。

5、養老保險：養老保(bao)險(xian)是(shi)(shi)將(jiang)生存保(bao)險(xian)和死亡(wang)保(bao)險(xian)進(jin)行組合(he)之后得到的(de)保(bao)險(xian)。不管被保(bao)險(xian)人在約定期限里是(shi)(shi)死是(shi)(shi)活，保(bao)險(xian)公(gong)司都(dou)會進(jin)行相應的(de)賠付。

壽險多少歲不能買

每(mei)種險種都有(you)自己(ji)的投(tou)保規則，對(dui)于(yu)(yu)年齡的限制，都不(bu)一(yi)樣。一(yi)般(ban)情(qing)況下(xia)，對(dui)于(yu)(yu)壽險規劃，60歲，基本就是上線(xian)。

壽險一年多少錢

人壽保險一年交多少錢和具體的產品、保額、保障期限以及繳費方式有關，所以沒有一個固定的數字，具體情況還是要具體分析。【詳細】

健康保險

健康險保障內容

保障的(de)內容主要有兩種，一種是(shi)因疾(ji)(ji)病或意外(wai)保險(xian)事故(gu)而產生(sheng)的(de)醫療費用，一類是(shi)因疾(ji)(ji)病或意外(wai)保險(xian)事故(gu)而產生(sheng)的(de)其他損失。

健康險險種分類

分為(wei)醫療保(bao)險、疾病(bing)保(bao)險、收入(ru)保(bao)障線(xian)、護理保(bao)險四(si)大(da)類(lei)。

該圖片由注冊用戶"中華小當家"提供，版權聲明反饋

健康險多少錢一年

一般0歲的孩子投保健康險一年大致是幾百元，年級越大費用越高，一般50歲的人投保，健康險保一年的費用達到5000、6000甚至更多，所以，如果有經濟能力，越早投保越劃算。【詳細】

人身意外傷害保險

保障范圍

1、死亡給付(fu)：被(bei)保(bao)險人遭受意外傷(shang)害(hai)造成死亡時，保(bao)險人給付(fu)死亡保(bao)險金。

2、殘廢給付：被(bei)保險(xian)人(ren)因遭受意外傷害造成殘廢時，保險(xian)人(ren)按照傷殘等(deng)級支付不同的保險(xian)金(jin)。

3、醫(yi)療給付：被保險人(ren)因遭受意(yi)外傷害(hai)支出醫(yi)療費(fei)時，保險人(ren)根據實際情(qing)況酌情(qing)給付。

4、停工給付(fu)：被(bei)保(bao)險人因意外(wai)傷害(hai)暫(zan)時喪失勞動能力(li)，不能工作時，保(bao)險人給付(fu)停工保(bao)險金。

價格

因為意外險的所交保費與意外險類型、保障范圍、保險期限以及被保人的實際情況相關，投保費用在幾十元至數百元不等。【詳細】

財產保險

企業財產保險

險種有哪些

企(qi)業(ye)財(cai)產(chan)按(an)是否可(ke)保的(de)標準可(ke)以分為三類，即可(ke)保財(cai)產(chan)、特約可(ke)保財(cai)產(chan)和不保財(cai)產(chan)。

費率一般多少

投保(bao)財(cai)(cai)產(chan)(chan)險需要提供“資產(chan)(chan)負債表”，根據財(cai)(cai)產(chan)(chan)總額和(he)投保(bao)對(dui)象再測算(suan)出保(bao)費。基本(ben)險、財(cai)(cai)產(chan)(chan)綜(zong)合險、財(cai)(cai)產(chan)(chan)一切險的(de)費率(lv)由底到高，平均費率(lv)在千分之1.2左右(you)。

企業財產保險賠率

1、全部損失。受(shou)損(sun)財產的保險金(jin)(jin)(jin)(jin)額(e)(e)等于(yu)或高于(yu)保險價(jia)值(zhi)時(shi)，其(qi)賠償金(jin)(jin)(jin)(jin)額(e)(e)以(yi)不超過保險價(jia)值(zhi)為限(xian);保險金(jin)(jin)(jin)(jin)額(e)(e)低于(yu)保險價(jia)值(zhi)時(shi)，按保險金(jin)(jin)(jin)(jin)額(e)(e)賠償。

2、部分損失。受損財產的保險金額等于或高于保險價值時，其賠償金額按實際損失計算;保險金額低于保險價值時，其賠償金額按保險金額與保險價值的比例計算。【詳細】

家庭財產保險

家庭財產保險價格

保(bao)(bao)險金額由(you)被保(bao)(bao)險人根據保(bao)(bao)險財(cai)(cai)產的實(shi)際價值確定，并且按照保(bao)(bao)險單上規定的保(bao)(bao)險財(cai)(cai)產項(xiang)目分別列(lie)明。

保險范圍包括哪些

1、可保財產：自有居(ju)住(zhu)房屋；室(shi)內(nei)裝修、裝飾及附屬設施(shi)；室(shi)內(nei)家庭財產。

2、特保財產：

（1）農村家庭存(cun)放在院內(nei)的(de)非動(dong)力農機具、農用工(gong)具和(he)已收(shou)獲(huo)的(de)農副產品

（2）個體勞動者(zhe)存放在室內的營(ying)業器具、工具、原材料和商品

（3）代他人保管的財產或(huo)與他人共有的財產

（4）須與保險人特(te)別約定才(cai)能投保的(de)財產

家庭財產保險投保注意

①家庭財產保險不是什么都保；②家庭財產保險不要超額投保；③家庭財產保險不要多處投保。【詳細】

商業保險按實施方式分類

按實施方式分類，保險可分為強制保險和自愿保險。

強制保險

強(qiang)制(zhi)(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)（又稱“法(fa)定保(bao)(bao)(bao)(bao)險(xian)(xian)”）是(shi)(shi)由(you)(you)國家（政府）通過法(fa)律或行政手段(duan)強(qiang)制(zhi)(zhi)實施(shi)的(de)(de)一(yi)種保(bao)(bao)(bao)(bao)險(xian)(xian)。強(qiang)制(zhi)(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)關(guan)系雖然也(ye)是(shi)(shi)產生于投保(bao)(bao)(bao)(bao)人與保(bao)(bao)(bao)(bao)險(xian)(xian)人之間的(de)(de)合(he)同行為，但是(shi)(shi)，合(he)同的(de)(de)訂(ding)立受制(zhi)(zhi)于國家或政府的(de)(de)法(fa)律規定。強(qiang)制(zhi)(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)的(de)(de)實施(shi)方式有(you)兩種選擇：—是(shi)(shi)保(bao)(bao)(bao)(bao)險(xian)(xian)標的(de)(de)與保(bao)(bao)(bao)(bao)險(xian)(xian)人均由(you)(you)法(fa)律限定；二是(shi)(shi)保(bao)(bao)(bao)(bao)險(xian)(xian)標的(de)(de)由(you)(you)法(fa)律限定，但投保(bao)(bao)(bao)(bao)人可以自由(you)(you)選擇保(bao)(bao)(bao)(bao)險(xian)(xian)人，如機動車交通事故責任(ren)強(qiang)制(zhi)(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)。

自愿保險

自(zi)愿保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)是(shi)在(zai)自(zi)愿原則下，投(tou)(tou)保(bao)(bao)(bao)(bao)(bao)(bao)人(ren)(ren)與保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)雙方在(zai)平等的(de)基礎上，通過訂立保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合同而建立的(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)關系。自(zi)愿保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)的(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)關系，是(shi)當(dang)事人(ren)(ren)之間自(zi)由決(jue)定(ding)、彼(bi)此(ci)合意后(hou)所建立的(de)合同關系。投(tou)(tou)保(bao)(bao)(bao)(bao)(bao)(bao)人(ren)(ren)可以自(zi)由決(jue)定(ding)是(shi)否投(tou)(tou)保(bao)(bao)(bao)(bao)(bao)(bao)、向誰投(tou)(tou)保(bao)(bao)(bao)(bao)(bao)(bao)、中途退保(bao)(bao)(bao)(bao)(bao)(bao)等，也可以自(zi)由選擇保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)金額、保(bao)(bao)(bao)(bao)(bao)(bao)障范(fan)圍、保(bao)(bao)(bao)(bao)(bao)(bao)障程度和保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)期(qi)限等；保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)也可以根據情況自(zi)愿決(jue)定(ding)是(shi)否承保(bao)(bao)(bao)(bao)(bao)(bao)、怎樣承保(bao)(bao)(bao)(bao)(bao)(bao)等。

商業保險按(an)承保方(fang)式分類(lei)

按承保方式分類，可將保險(xian)(xian)分為原保險(xian)(xian)、再(zai)保險(xian)(xian)、共同保險(xian)(xian)和重復保險(xian)(xian)。

原保險

原保(bao)(bao)(bao)險(xian)(xian)(xian)是(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)與投保(bao)(bao)(bao)人(ren)之間直接(jie)簽(qian)訂保(bao)(bao)(bao)險(xian)(xian)(xian)合同而(er)建立(li)保(bao)(bao)(bao)險(xian)(xian)(xian)關系的一種保(bao)(bao)(bao)險(xian)(xian)(xian)。在(zai)原保(bao)(bao)(bao)險(xian)(xian)(xian)關系中，保(bao)(bao)(bao)險(xian)(xian)(xian)需求者將(jiang)其風險(xian)(xian)(xian)轉(zhuan)嫁給(gei)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)，當保(bao)(bao)(bao)險(xian)(xian)(xian)標的遭(zao)受保(bao)(bao)(bao)險(xian)(xian)(xian)責(ze)任(ren)范圍內的損失時，保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)直接(jie)對被保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)承擔賠償或給(gei)付責(ze)任(ren)。

再保險

再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)（也稱“分保(bao)(bao)(bao)(bao)”）是(shi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人將其所承保(bao)(bao)(bao)(bao)的(de)(de)風險(xian)(xian)(xian)(xian)和責任的(de)(de)一(yi)部分或全部轉移給其他保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人的(de)(de)一(yi)種保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。分出業務(wu)的(de)(de)是(shi)再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)分出人，接受(shou)分保(bao)(bao)(bao)(bao)業務(wu)的(de)(de)是(shi)再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)接受(shou)人。這(zhe)種風險(xian)(xian)(xian)(xian)轉嫁方式(shi)是(shi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人對原始(shi)風險(xian)(xian)(xian)(xian)的(de)(de)縱(zong)向轉嫁，即第二次風險(xian)(xian)(xian)(xian)轉嫁。

共同保險

共同(tong)(tong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)（也(ye)稱“共保(bao)(bao)(bao)”）是由幾個保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)聯合(he)直(zhi)接承保(bao)(bao)(bao)同(tong)(tong)一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)、同(tong)(tong)一(yi)(yi)風險(xian)(xian)(xian)(xian)(xian)(xian)、同(tong)(tong)一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)利益(yi)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)。共同(tong)(tong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)各保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)承保(bao)(bao)(bao)金額的(de)(de)總和不超(chao)過保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)價(jia)值(zhi)。在保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)實務中，可能是多個保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)分別與投保(bao)(bao)(bao)人(ren)簽(qian)訂保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合(he)同(tong)(tong)，也(ye)可能是多個保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)以某一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)的(de)(de)名義簽(qian)發(fa)一(yi)(yi)份保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合(he)同(tong)(tong)。與再保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)不同(tong)(tong)，這種風險(xian)(xian)(xian)(xian)(xian)(xian)轉(zhuan)嫁方式是保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)對原始風險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)橫向轉(zhuan)嫁，它仍屬于風險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)第(di)一(yi)(yi)次轉(zhuan)嫁。

重復保險

重復保(bao)(bao)險(xian)(xian)是(shi)指投保(bao)(bao)人(ren)以同(tong)一保(bao)(bao)險(xian)(xian)標(biao)的、同(tong)一保(bao)(bao)險(xian)(xian)利益(yi)、同(tong)一保(bao)(bao)險(xian)(xian)事故分別與兩個(ge)或(huo)兩個(ge)以上保(bao)(bao)險(xian)(xian)人(ren)訂立(li)保(bao)(bao)險(xian)(xian)合(he)同(tong)，且保(bao)(bao)險(xian)(xian)金(jin)額總和超過保(bao)(bao)險(xian)(xian)價值的保(bao)(bao)險(xian)(xian)。與共同(tong)保(bao)(bao)險(xian)(xian)相同(tong)，重復保(bao)(bao)險(xian)(xian)也(ye)是(shi)投保(bao)(bao)人(ren)對原始風(feng)險(xian)(xian)的橫向轉嫁，也(ye)屬于風(feng)險(xian)(xian)的第一次轉嫁。

商業按保險經營性質分

商業性保險

商(shang)業保險(xian)指保險(xian)公(gong)司(si)所經(jing)營的各類(lei)保險(xian)業務。商(shang)業保險(xian)以盈利為目標，進行(xing)獨(du)立經(jing)濟核算。

政策性保險

常(chang)見的(de)(de)政(zheng)策(ce)性保(bao)險(xian)有出口(kou)信用保(bao)險(xian)、投(tou)資保(bao)險(xian)和農(nong)為(wei)保(bao)險(xian)等。與(yu)此相比，商業保(bao)險(xian)由(you)以盈利為(wei)目的(de)(de)的(de)(de)商業保(bao)險(xian)公司(si)舉辦，它(ta)們自主經(jing)營(ying)、獨立核算、自負(fu)盈虧，由(you)于利潤最大化的(de)(de)考(kao)慮、通常(chang)不會經(jing)營(ying)政(zheng)策(ce)性保(bao)險(xian)。