根據(ju)保險(xian)標的不同(tong)，保險(xian)可(ke)分為財產保險(xian)和人(ren)身保險(xian)兩大(da)類。

財(cai)產保(bao)險(xian)是(shi)指(zhi)以財(cai)產及(ji)其相關利益為保(bao)險(xian)標(biao)的(de)(de)的(de)(de)保(bao)險(xian)，包括財(cai)產損失(shi)保(bao)險(xian)、責(ze)任保(bao)險(xian)、信(xin)用保(bao)險(xian)、保(bao)證(zheng)保(bao)險(xian)、農業(ye)保(bao)險(xian)等。它是(shi)以有形或無形財(cai)產及(ji)其相關利益為保(bao)險(xian)標(biao)的(de)(de)的(de)(de)一類補償性(xing)保(bao)險(xian)。

人(ren)(ren)身保(bao)險(xian)(xian)(xian)是以人(ren)(ren)的壽命和身體為保(bao)險(xian)(xian)(xian)標的的保(bao)險(xian)(xian)(xian)。當(dang)人(ren)(ren)們(men)遭(zao)受不幸事(shi)故或因疾病、年老以致喪失工(gong)作能(neng)力(li)、傷殘、死亡(wang)或年老退休時(shi)，根據保(bao)險(xian)(xian)(xian)合同的約定，保(bao)險(xian)(xian)(xian)人(ren)(ren)對被保(bao)險(xian)(xian)(xian)人(ren)(ren)或受益人(ren)(ren)給付(fu)保(bao)險(xian)(xian)(xian)金或年金。

財(cai)產保險費的構(gou)成

同(tong)其(qi)他(ta)險(xian)(xian)(xian)(xian)種保(bao)險(xian)(xian)(xian)(xian)費(fei)構成一樣，是由一定(ding)的(de)(de)保(bao)險(xian)(xian)(xian)(xian)金額，一定(ding)的(de)(de)保(bao)險(xian)(xian)(xian)(xian)費(fei)率(lv)，一定(ding)的(de)(de)保(bao)險(xian)(xian)(xian)(xian)期(qi)限(xian)構成，其(qi)計算公式為：商業財產保(bao)險(xian)(xian)(xian)(xian)費(fei)=保(bao)險(xian)(xian)(xian)(xian)金額×保(bao)險(xian)(xian)(xian)(xian)費(fei)率(lv)×保(bao)險(xian)(xian)(xian)(xian)期(qi)限(xian)

保險(xian)費的(de)數額與保險(xian)金額大小，保險(xian)費率(lv)的(de)高低，保險(xian)期限(xian)的(de)長(chang)短成正(zheng)比例。保險(xian)金額越(yue)(yue)(yue)(yue)大，保險(xian)費率(lv)越(yue)(yue)(yue)(yue)高，保險(xian)期限(xian)越(yue)(yue)(yue)(yue)長(chang)，則保險(xian)費越(yue)(yue)(yue)(yue)多。