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(bao)(bao)(bao)者(zhe)的(de)身體由于保(bao)(bao)(bao)險(xian)合同(tong)保(bao)(bao)(bao)障的(de)意外事故遭(zao)受(shou)傷害(hai)導致損失(shi)時，保(bao)(bao)(bao)險(xian)公司會依據保(bao)(bao)(bao)險(xian)合同(tong)的(de)約定賠(pei)付(fu)意外保(bao)(bao)(bao)險(xian)金。

（2）壽險：壽險(xian)還能(neng)細分為定(ding)期壽險(xian)、終身壽險(xian)、兩全保(bao)(bao)險(xian)、年(nian)金保(bao)(bao)險(xian)，當被保(bao)(bao)者生存(cun)到(dao)約定(ding)的時(shi)間或在約定(ding)的時(shi)間內身故的，保(bao)(bao)險(xian)公司會給付一筆錢給保(bao)(bao)險(xian)受益(yi)人(ren)。

（3）健康保險：還可分為重大疾病(bing)保(bao)險(xian)、住院醫(yi)療保(bao)險(xian)、意(yi)外(wai)傷害醫(yi)療保(bao)險(xian)等，其保(bao)險(xian)標的是人的身體，當被(bei)保(bao)者(zhe)發生(sheng)保(bao)險(xian)合同保(bao)障的疾病(bing)或(huo)意(yi)外(wai)事(shi)(shi)故所產生(sheng)費用或(huo)損(sun)失(shi)時，保(bao)險(xian)公司(si)會(hui)承(cheng)擔事(shi)(shi)先約(yue)定的保(bao)險(xian)金(jin)的給付(fu)義務。

按保險期間的不同分類

人身(shen)保(bao)(bao)險(xian)可以分為保(bao)(bao)障(zhang)期(qi)(qi)在一年(nian)以下(xia)的短險(xian)以及保(bao)(bao)障(zhang)期(qi)(qi)超過1年(nian)的長期(qi)(qi)險(xian)（如保(bao)(bao)障(zhang)5年(nian)、10年(nian)、30年(nian)等(deng)）。

按承保方式分類

人(ren)(ren)身保(bao)(bao)(bao)險有團體保(bao)(bao)(bao)險和個人(ren)(ren)保(bao)(bao)(bao)險之分。團體保(bao)(bao)(bao)險一般(ban)(ban)是單位或(huo)企業(ye)給自(zi)身的(de)全(quan)體職(zhi)工配置的(de)，保(bao)(bao)(bao)單只(zhi)有一張，被保(bao)(bao)(bao)者一般(ban)(ban)是5人(ren)(ren)以上。個人(ren)(ren)保(bao)(bao)(bao)險是指被保(bao)(bao)(bao)者為(wei)1人(ren)(ren)的(de)產品，一般(ban)(ban)是家庭成員配置的(de)。

按分紅紅利分類

人(ren)身保(bao)(bao)(bao)險(xian)可(ke)(ke)分(fen)為分(fen)紅(hong)(hong)保(bao)(bao)(bao)險(xian)和消費型保(bao)(bao)(bao)險(xian)。分(fen)紅(hong)(hong)保(bao)(bao)(bao)險(xian)是指保(bao)(bao)(bao)險(xian)公司會把經營所得的(de)可(ke)(ke)分(fen)配盈余(yu)按照一定的(de)比(bi)例(li)分(fen)配給保(bao)(bao)(bao)單(dan)持有人(ren)的(de)險(xian)種。消費型保(bao)(bao)(bao)險(xian)也即(ji)到期(qi)若沒有保(bao)(bao)(bao)險(xian)事故發生(sheng)(sheng)的(de)保(bao)(bao)(bao)費不返還，只有在保(bao)(bao)(bao)障期(qi)間內(nei)發生(sheng)(sheng)保(bao)(bao)(bao)險(xian)事故才能獲賠。

人壽保險

保障范圍

人壽(shou)保(bao)(bao)險(xian)是人身保(bao)(bao)險(xian)的一(yi)種，以被保(bao)(bao)險(xian)人的壽(shou)命(ming)為(wei)保(bao)(bao)險(xian)標的，且以被保(bao)(bao)險(xian)人的生(sheng)存或死(si)亡為(wei)給(gei)付條件的人身保(bao)(bao)險(xian)。也就是說被保(bao)(bao)險(xian)人發(fa)生(sheng)保(bao)(bao)險(xian)事故時，保(bao)(bao)險(xian)人會支付保(bao)(bao)險(xian)費。

壽險險種

1、定期人壽：定期(qi)人(ren)壽保(bao)(bao)(bao)險(xian)就是約(yue)定一個保(bao)(bao)(bao)險(xian)期(qi)限，如果被保(bao)(bao)(bao)險(xian)人(ren)在(zai)約(yue)定期(qi)限里死亡，保(bao)(bao)(bao)險(xian)公(gong)司(si)會向(xiang)保(bao)(bao)(bao)險(xian)受益人(ren)賠(pei)付(fu)保(bao)(bao)(bao)險(xian)金；如果被保(bao)(bao)(bao)險(xian)人(ren)沒(mei)有在(zai)約(yue)定期(qi)限里死亡，那么也就這(zhe)樣了，保(bao)(bao)(bao)險(xian)公(gong)司(si)既不(bu)進行賠(pei)付(fu)，也不(bu)退還保(bao)(bao)(bao)費。

2、終身人壽：終身人(ren)(ren)壽保(bao)(bao)(bao)險(xian)是(shi)在(zai)被保(bao)(bao)(bao)險(xian)人(ren)(ren)死亡之后，保(bao)(bao)(bao)險(xian)公(gong)司向保(bao)(bao)(bao)險(xian)受(shou)益人(ren)(ren)進(jin)行(xing)賠付(fu)的保(bao)(bao)(bao)險(xian)，但是(shi)終身人(ren)(ren)壽保(bao)(bao)(bao)險(xian)沒有約定期限(xian)。由于人(ren)(ren)是(shi)一定會死的，所以保(bao)(bao)(bao)險(xian)公(gong)司最終一定會進(jin)行(xing)賠付(fu)。

3、生存保險：生存保(bao)險(xian)要(yao)求被保(bao)險(xian)人(ren)一(yi)定要(yao)活(huo)到之前(qian)約定的期(qi)限。如果在到期(qi)之前(qian)，被保(bao)險(xian)人(ren)就(jiu)死亡了，那么保(bao)險(xian)公司既不會進行賠償，也不會退回(hui)保(bao)費。

4、生死兩全：生死兩(liang)全保險(xian)(xian)(xian)(xian)(xian)(xian)是將定(ding)(ding)期(qi)人(ren)壽保險(xian)(xian)(xian)(xian)(xian)(xian)和生存保險(xian)(xian)(xian)(xian)(xian)(xian)進行組合之后得到的保險(xian)(xian)(xian)(xian)(xian)(xian)。如果(guo)(guo)被保險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)在約定(ding)(ding)的期(qi)限里死亡，保險(xian)(xian)(xian)(xian)(xian)(xian)公司(si)會向保險(xian)(xian)(xian)(xian)(xian)(xian)受(shou)益人(ren)進行賠付；如果(guo)(guo)被保險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)活到了約定(ding)(ding)期(qi)限結束(shu)，保險(xian)(xian)(xian)(xian)(xian)(xian)公司(si)會向被保險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)發(fa)放生存金。

5、養老保險：養老(lao)保(bao)險(xian)是(shi)將生存保(bao)險(xian)和死亡保(bao)險(xian)進行組合(he)之(zhi)后得到的保(bao)險(xian)。不管被保(bao)險(xian)人(ren)在約定期(qi)限里(li)是(shi)死是(shi)活(huo)，保(bao)險(xian)公司都會進行相應的賠(pei)付。

壽險多少歲不能買

每(mei)種險種都有自己(ji)的投保規則(ze)，對(dui)于年齡的限制，都不一(yi)樣(yang)。一(yi)般情況下，對(dui)于壽險規劃(hua)，60歲，基本就(jiu)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

保障的內容主要有兩種，一(yi)種是(shi)因疾病或意外保險事(shi)故而產(chan)生的醫療費用(yong)，一(yi)類(lei)是(shi)因疾病或意外保險事(shi)故而產(chan)生的其(qi)他損失。

健康險險種分類

分為醫療保(bao)險(xian)、疾病保(bao)險(xian)、收入保(bao)障線、護理保(bao)險(xian)四(si)大類。

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(wang)給(gei)付(fu)：被保(bao)險(xian)人(ren)(ren)遭受意外傷害造(zao)成(cheng)死亡(wang)時，保(bao)險(xian)人(ren)(ren)給(gei)付(fu)死亡(wang)保(bao)險(xian)金。

2、殘廢給付：被保險人(ren)因遭受意外傷害造成殘廢時(shi)，保險人(ren)按照傷殘等級支付不同的保險金。

3、醫療(liao)給(gei)(gei)付：被(bei)保(bao)險(xian)(xian)人(ren)(ren)因遭受(shou)意外傷害支出(chu)醫療(liao)費時，保(bao)險(xian)(xian)人(ren)(ren)根據實際(ji)情況酌情給(gei)(gei)付。

4、停工(gong)給付：被保(bao)險(xian)人(ren)(ren)因意(yi)外傷害暫時喪失勞(lao)動(dong)能力，不能工(gong)作時，保(bao)險(xian)人(ren)(ren)給付停工(gong)保(bao)險(xian)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)業財(cai)產(chan)按是否可(ke)保(bao)的標(biao)準可(ke)以分(fen)為三類，即可(ke)保(bao)財(cai)產(chan)、特約可(ke)保(bao)財(cai)產(chan)和不保(bao)財(cai)產(chan)。

費率一般多少

投保(bao)財(cai)產險(xian)(xian)(xian)需要提供“資產負債表”，根據(ju)財(cai)產總額和投保(bao)對象(xiang)再測算出保(bao)費(fei)。基本險(xian)(xian)(xian)、財(cai)產綜合險(xian)(xian)(xian)、財(cai)產一(yi)切險(xian)(xian)(xian)的費(fei)率(lv)由底(di)到(dao)高，平均費(fei)率(lv)在千分之(zhi)1.2左(zuo)右。

企業財產保險賠率

1、全部損失。受損財產的保(bao)險金(jin)額等于(yu)或高于(yu)保(bao)險價值(zhi)時(shi)，其賠(pei)償金(jin)額以不超過保(bao)險價值(zhi)為限;保(bao)險金(jin)額低于(yu)保(bao)險價值(zhi)時(shi)，按保(bao)險金(jin)額賠(pei)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)險(xian)金額由被保(bao)險(xian)人根據(ju)保(bao)險(xian)財產(chan)的(de)實際(ji)價值確定(ding)(ding)，并且按(an)照保(bao)險(xian)單(dan)上(shang)規定(ding)(ding)的(de)保(bao)險(xian)財產(chan)項目分(fen)別列明。

保險范圍包括哪些

1、可保財產：自(zi)有(you)居住房屋；室內裝修(xiu)、裝飾及附屬設施；室內家庭財產。

2、特保財產：

（1）農村家庭(ting)存放(fang)在院內的非動力農機具、農用工具和已收獲(huo)的農副產(chan)品

（2）個體勞動者(zhe)存(cun)放在(zai)室內的營業器具(ju)、工(gong)具(ju)、原(yuan)材料和商(shang)品(pin)

（3）代他人保管的(de)財產或與他人共有的(de)財產

（4）須與保(bao)險人特別約(yue)定才能投保(bao)的財產

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)保(bao)(bao)險(xian)(xian)(xian)（又(you)稱“法(fa)定保(bao)(bao)險(xian)(xian)(xian)”）是由(you)國家（政(zheng)府）通(tong)過法(fa)律(lv)或(huo)行政(zheng)手(shou)段強(qiang)制(zhi)實施的一(yi)種保(bao)(bao)險(xian)(xian)(xian)。強(qiang)制(zhi)保(bao)(bao)險(xian)(xian)(xian)的保(bao)(bao)險(xian)(xian)(xian)關系雖然也是產生于投保(bao)(bao)人(ren)(ren)與(yu)保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)之間的合同行為，但是，合同的訂(ding)立受(shou)制(zhi)于國家或(huo)政(zheng)府的法(fa)律(lv)規定。強(qiang)制(zhi)保(bao)(bao)險(xian)(xian)(xian)的實施方(fang)式(shi)有兩種選(xuan)擇：—是保(bao)(bao)險(xian)(xian)(xian)標(biao)的與(yu)保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)均由(you)法(fa)律(lv)限定；二是保(bao)(bao)險(xian)(xian)(xian)標(biao)的由(you)法(fa)律(lv)限定，但投保(bao)(bao)人(ren)(ren)可以自由(you)選(xuan)擇保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)，如機動車交(jiao)通(tong)事(shi)故責(ze)任強(qiang)制(zhi)保(bao)(bao)險(xian)(xian)(xian)。

自愿保險

自(zi)愿保(bao)(bao)(bao)(bao)險(xian)是在自(zi)愿原則下，投保(bao)(bao)(bao)(bao)人(ren)與保(bao)(bao)(bao)(bao)險(xian)人(ren)雙方在平(ping)等(deng)(deng)的(de)基礎上，通過訂(ding)立保(bao)(bao)(bao)(bao)險(xian)合(he)同而建立的(de)保(bao)(bao)(bao)(bao)險(xian)關(guan)(guan)系。自(zi)愿保(bao)(bao)(bao)(bao)險(xian)的(de)保(bao)(bao)(bao)(bao)險(xian)關(guan)(guan)系，是當事人(ren)之間自(zi)由決(jue)定(ding)、彼此合(he)意(yi)后所建立的(de)合(he)同關(guan)(guan)系。投保(bao)(bao)(bao)(bao)人(ren)可以自(zi)由決(jue)定(ding)是否(fou)投保(bao)(bao)(bao)(bao)、向(xiang)誰(shui)投保(bao)(bao)(bao)(bao)、中途退保(bao)(bao)(bao)(bao)等(deng)(deng)，也可以自(zi)由選擇保(bao)(bao)(bao)(bao)險(xian)金額、保(bao)(bao)(bao)(bao)障范圍、保(bao)(bao)(bao)(bao)障程度和保(bao)(bao)(bao)(bao)險(xian)期限等(deng)(deng)；保(bao)(bao)(bao)(bao)險(xian)人(ren)也可以根據情況自(zi)愿決(jue)定(ding)是否(fou)承(cheng)保(bao)(bao)(bao)(bao)、怎樣(yang)承(cheng)保(bao)(bao)(bao)(bao)等(deng)(deng)。

商業保險按承保方式分類

按承保(bao)方式分(fen)類，可將保(bao)險分(fen)為原保(bao)險、再保(bao)險、共同保(bao)險和重復保(bao)險。

原保險

原保(bao)險(xian)(xian)(xian)是(shi)保(bao)險(xian)(xian)(xian)人(ren)(ren)與投保(bao)人(ren)(ren)之間直接簽訂保(bao)險(xian)(xian)(xian)合同而建立保(bao)險(xian)(xian)(xian)關系(xi)的一種保(bao)險(xian)(xian)(xian)。在(zai)原保(bao)險(xian)(xian)(xian)關系(xi)中(zhong)，保(bao)險(xian)(xian)(xian)需求(qiu)者將其風(feng)險(xian)(xian)(xian)轉(zhuan)嫁給(gei)保(bao)險(xian)(xian)(xian)人(ren)(ren)，當保(bao)險(xian)(xian)(xian)標的遭受保(bao)險(xian)(xian)(xian)責任范圍內的損失時，保(bao)險(xian)(xian)(xian)人(ren)(ren)直接對被保(bao)險(xian)(xian)(xian)人(ren)(ren)承擔賠償(chang)或給(gei)付責任。

再保險

再保(bao)(bao)(bao)險(xian)(xian)(xian)（也稱“分(fen)(fen)保(bao)(bao)(bao)”）是(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)將其所承保(bao)(bao)(bao)的(de)(de)風(feng)險(xian)(xian)(xian)和責任(ren)的(de)(de)一部分(fen)(fen)或全(quan)部轉移給其他保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)的(de)(de)一種保(bao)(bao)(bao)險(xian)(xian)(xian)。分(fen)(fen)出(chu)業務的(de)(de)是(shi)再保(bao)(bao)(bao)險(xian)(xian)(xian)分(fen)(fen)出(chu)人(ren)(ren)，接(jie)受(shou)分(fen)(fen)保(bao)(bao)(bao)業務的(de)(de)是(shi)再保(bao)(bao)(bao)險(xian)(xian)(xian)接(jie)受(shou)人(ren)(ren)。這種風(feng)險(xian)(xian)(xian)轉嫁方式是(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)對原(yuan)始風(feng)險(xian)(xian)(xian)的(de)(de)縱向轉嫁，即第二次風(feng)險(xian)(xian)(xian)轉嫁。

共同保險

共同(tong)保(bao)(bao)(bao)險(xian)(xian)(xian)（也稱(cheng)“共保(bao)(bao)(bao)”）是(shi)(shi)由幾個(ge)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)聯合(he)直接(jie)承保(bao)(bao)(bao)同(tong)一(yi)(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)、同(tong)一(yi)(yi)(yi)風險(xian)(xian)(xian)、同(tong)一(yi)(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)利益的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)。共同(tong)保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)各保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)承保(bao)(bao)(bao)金額(e)的(de)總和不(bu)(bu)超過保(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)價值。在保(bao)(bao)(bao)險(xian)(xian)(xian)實(shi)務中，可(ke)能是(shi)(shi)多個(ge)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)分別與(yu)投保(bao)(bao)(bao)人(ren)(ren)簽(qian)訂保(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同(tong)，也可(ke)能是(shi)(shi)多個(ge)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)以(yi)某一(yi)(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)的(de)名(ming)義簽(qian)發一(yi)(yi)(yi)份(fen)保(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同(tong)。與(yu)再保(bao)(bao)(bao)險(xian)(xian)(xian)不(bu)(bu)同(tong)，這種風險(xian)(xian)(xian)轉嫁方式是(shi)(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)對(dui)原始(shi)風險(xian)(xian)(xian)的(de)橫向(xiang)轉嫁，它仍屬于風險(xian)(xian)(xian)的(de)第一(yi)(yi)(yi)次轉嫁。

重復保險

重復保(bao)險(xian)(xian)(xian)是(shi)指投(tou)保(bao)人(ren)(ren)以同(tong)(tong)一(yi)(yi)保(bao)險(xian)(xian)(xian)標(biao)的(de)、同(tong)(tong)一(yi)(yi)保(bao)險(xian)(xian)(xian)利益(yi)、同(tong)(tong)一(yi)(yi)保(bao)險(xian)(xian)(xian)事故(gu)分別與兩個或兩個以上保(bao)險(xian)(xian)(xian)人(ren)(ren)訂立(li)保(bao)險(xian)(xian)(xian)合同(tong)(tong)，且(qie)保(bao)險(xian)(xian)(xian)金額(e)總和(he)超(chao)過保(bao)險(xian)(xian)(xian)價(jia)值(zhi)的(de)保(bao)險(xian)(xian)(xian)。與共同(tong)(tong)保(bao)險(xian)(xian)(xian)相同(tong)(tong)，重復保(bao)險(xian)(xian)(xian)也是(shi)投(tou)保(bao)人(ren)(ren)對原(yuan)始風險(xian)(xian)(xian)的(de)橫向(xiang)轉(zhuan)嫁(jia)，也屬于風險(xian)(xian)(xian)的(de)第(di)一(yi)(yi)次轉(zhuan)嫁(jia)。

商業按保險經營性質分

商業性保險

商(shang)業(ye)保(bao)險(xian)(xian)指保(bao)險(xian)(xian)公司所(suo)經(jing)營的(de)各類(lei)保(bao)險(xian)(xian)業(ye)務。商(shang)業(ye)保(bao)險(xian)(xian)以盈利(li)為目標，進行獨立經(jing)濟核(he)算。

政策性保險

常見(jian)的政策性(xing)保(bao)(bao)(bao)險(xian)有出口信用保(bao)(bao)(bao)險(xian)、投(tou)資(zi)保(bao)(bao)(bao)險(xian)和(he)農(nong)為保(bao)(bao)(bao)險(xian)等。與此相比，商業保(bao)(bao)(bao)險(xian)由以盈利為目(mu)的的商業保(bao)(bao)(bao)險(xian)公司(si)舉辦，它們自主經(jing)營、獨立核(he)算、自負盈虧(kui)，由于利潤最(zui)大化的考慮、通常不會經(jing)營政策性(xing)保(bao)(bao)(bao)險(xian)。