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：當被保(bao)(bao)者的(de)身體(ti)由于保(bao)(bao)險(xian)(xian)合同(tong)保(bao)(bao)障的(de)意外事故遭(zao)受(shou)傷(shang)害(hai)導(dao)致損失(shi)時，保(bao)(bao)險(xian)(xian)公司會依據保(bao)(bao)險(xian)(xian)合同(tong)的(de)約定賠付意外保(bao)(bao)險(xian)(xian)金。

（2）壽險：壽險(xian)(xian)還(huan)能細分為(wei)定(ding)(ding)期壽險(xian)(xian)、終(zhong)身(shen)壽險(xian)(xian)、兩全(quan)保(bao)險(xian)(xian)、年金(jin)保(bao)險(xian)(xian)，當被保(bao)者生(sheng)存(cun)到(dao)約(yue)定(ding)(ding)的(de)時間或在約(yue)定(ding)(ding)的(de)時間內身(shen)故的(de)，保(bao)險(xian)(xian)公司會給付(fu)一筆錢給保(bao)險(xian)(xian)受益人(ren)。

（3）健康保險：還(huan)可分為重大疾病保(bao)(bao)(bao)險(xian)(xian)、住院醫療保(bao)(bao)(bao)險(xian)(xian)、意(yi)外(wai)傷害醫療保(bao)(bao)(bao)險(xian)(xian)等，其(qi)保(bao)(bao)(bao)險(xian)(xian)標(biao)的(de)是人的(de)身體(ti)，當(dang)被(bei)保(bao)(bao)(bao)者發生(sheng)保(bao)(bao)(bao)險(xian)(xian)合同保(bao)(bao)(bao)障的(de)疾病或(huo)意(yi)外(wai)事故所產(chan)生(sheng)費用(yong)或(huo)損失(shi)時(shi)，保(bao)(bao)(bao)險(xian)(xian)公司(si)會承(cheng)擔事先約定的(de)保(bao)(bao)(bao)險(xian)(xian)金的(de)給(gei)付義務。

按保險期間的不同分類

人身保(bao)(bao)險可(ke)以分為(wei)保(bao)(bao)障(zhang)(zhang)期(qi)在(zai)一年(nian)以下的短險以及保(bao)(bao)障(zhang)(zhang)期(qi)超過1年(nian)的長期(qi)險（如保(bao)(bao)障(zhang)(zhang)5年(nian)、10年(nian)、30年(nian)等(deng)）。

按承保方式分類

人身(shen)(shen)保(bao)(bao)(bao)險有團(tuan)體(ti)保(bao)(bao)(bao)險和個人保(bao)(bao)(bao)險之分。團(tuan)體(ti)保(bao)(bao)(bao)險一(yi)般(ban)(ban)是(shi)單(dan)位或企業給自(zi)身(shen)(shen)的(de)(de)全(quan)體(ti)職工配置(zhi)的(de)(de)，保(bao)(bao)(bao)單(dan)只有一(yi)張，被保(bao)(bao)(bao)者一(yi)般(ban)(ban)是(shi)5人以上。個人保(bao)(bao)(bao)險是(shi)指(zhi)被保(bao)(bao)(bao)者為1人的(de)(de)產品，一(yi)般(ban)(ban)是(shi)家庭成員(yuan)配置(zhi)的(de)(de)。

按分紅紅利分類

人(ren)身(shen)保(bao)(bao)(bao)險(xian)可分為分紅(hong)保(bao)(bao)(bao)險(xian)和消費型保(bao)(bao)(bao)險(xian)。分紅(hong)保(bao)(bao)(bao)險(xian)是指保(bao)(bao)(bao)險(xian)公司會把(ba)經營所(suo)得(de)的(de)可分配(pei)盈(ying)余按照一定的(de)比例分配(pei)給保(bao)(bao)(bao)單持有(you)人(ren)的(de)險(xian)種。消費型保(bao)(bao)(bao)險(xian)也即到期(qi)若沒有(you)保(bao)(bao)(bao)險(xian)事故(gu)(gu)發生的(de)保(bao)(bao)(bao)費不(bu)返還，只有(you)在保(bao)(bao)(bao)障期(qi)間(jian)內(nei)發生保(bao)(bao)(bao)險(xian)事故(gu)(gu)才(cai)能(neng)獲賠(pei)。

人壽保險

保障范圍

人壽(shou)保(bao)(bao)險(xian)(xian)(xian)是人身保(bao)(bao)險(xian)(xian)(xian)的(de)一種，以(yi)被保(bao)(bao)險(xian)(xian)(xian)人的(de)壽(shou)命為保(bao)(bao)險(xian)(xian)(xian)標的(de)，且以(yi)被保(bao)(bao)險(xian)(xian)(xian)人的(de)生存或死亡(wang)為給(gei)付條件的(de)人身保(bao)(bao)險(xian)(xian)(xian)。也就(jiu)是說被保(bao)(bao)險(xian)(xian)(xian)人發生保(bao)(bao)險(xian)(xian)(xian)事故時，保(bao)(bao)險(xian)(xian)(xian)人會支付保(bao)(bao)險(xian)(xian)(xian)費(fei)。

壽險險種

1、定期人壽：定(ding)(ding)期人(ren)壽(shou)保(bao)險(xian)(xian)就(jiu)是約(yue)定(ding)(ding)一個保(bao)險(xian)(xian)期限，如果被(bei)保(bao)險(xian)(xian)人(ren)在約(yue)定(ding)(ding)期限里(li)死(si)亡(wang)，保(bao)險(xian)(xian)公司會向保(bao)險(xian)(xian)受益人(ren)賠(pei)付保(bao)險(xian)(xian)金；如果被(bei)保(bao)險(xian)(xian)人(ren)沒有在約(yue)定(ding)(ding)期限里(li)死(si)亡(wang)，那么(me)也(ye)就(jiu)這樣了，保(bao)險(xian)(xian)公司既不進行賠(pei)付，也(ye)不退(tui)還保(bao)費。

2、終身人壽：終身人(ren)壽保(bao)險(xian)(xian)是在被保(bao)險(xian)(xian)人(ren)死亡之后，保(bao)險(xian)(xian)公司向保(bao)險(xian)(xian)受益人(ren)進行賠(pei)付的(de)保(bao)險(xian)(xian)，但是終身人(ren)壽保(bao)險(xian)(xian)沒有約(yue)定(ding)期限。由于人(ren)是一定(ding)會(hui)死的(de)，所以保(bao)險(xian)(xian)公司最終一定(ding)會(hui)進行賠(pei)付。

3、生存保險：生存保(bao)險(xian)要求(qiu)被(bei)保(bao)險(xian)人(ren)一定要活到之前(qian)約(yue)定的期限。如果在(zai)到期之前(qian)，被(bei)保(bao)險(xian)人(ren)就死亡了，那么保(bao)險(xian)公司既不會(hui)進行賠(pei)償，也不會(hui)退回保(bao)費。

4、生死兩全：生(sheng)死兩(liang)全保(bao)(bao)險(xian)是將定期(qi)人壽保(bao)(bao)險(xian)和生(sheng)存保(bao)(bao)險(xian)進(jin)(jin)行組合之后(hou)得到的保(bao)(bao)險(xian)。如(ru)果被(bei)保(bao)(bao)險(xian)人在(zai)約定的期(qi)限里死亡，保(bao)(bao)險(xian)公司(si)會(hui)向保(bao)(bao)險(xian)受益人進(jin)(jin)行賠(pei)付；如(ru)果被(bei)保(bao)(bao)險(xian)人活(huo)到了約定期(qi)限結束，保(bao)(bao)險(xian)公司(si)會(hui)向被(bei)保(bao)(bao)險(xian)人發放生(sheng)存金(jin)。

5、養老保險：養老保(bao)險是將生存保(bao)險和死亡保(bao)險進行(xing)組(zu)合之(zhi)后得到的(de)保(bao)險。不管被(bei)保(bao)險人在約定期(qi)限里是死是活，保(bao)險公司都會進行(xing)相應的(de)賠付。

壽險多少歲不能買

每(mei)種(zhong)(zhong)險種(zhong)(zhong)都有自己的投保(bao)規則，對于年齡的限(xian)制，都不一(yi)樣。一(yi)般情況(kuang)下，對于壽險規劃，60歲(sui)，基本就是(shi)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(bao)障的(de)內容主要(yao)有兩種，一(yi)(yi)種是(shi)(shi)因疾病或(huo)意外(wai)保(bao)險事故而產生的(de)醫療費用(yong)，一(yi)(yi)類是(shi)(shi)因疾病或(huo)意外(wai)保(bao)險事故而產生的(de)其他損失。

健康險險種分類

分為醫療保險(xian)、疾病保險(xian)、收入保障線、護理保險(xian)四大類。

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、死亡給付：被保(bao)險(xian)人(ren)遭受意(yi)外傷害(hai)造成死亡時，保(bao)險(xian)人(ren)給付死亡保(bao)險(xian)金。

2、殘廢(fei)給付：被保險人因(yin)遭受(shou)意外傷害造成殘廢(fei)時，保險人按(an)照傷殘等(deng)級支付不同的保險金。

3、醫(yi)療(liao)給付(fu)：被保險人(ren)因遭受意外傷(shang)害支出醫(yi)療(liao)費時，保險人(ren)根(gen)據實際情況酌情給付(fu)。

4、停(ting)工(gong)給付：被保(bao)險(xian)人(ren)因意外(wai)傷害(hai)暫(zan)時(shi)喪失勞動能力，不能工(gong)作時(shi)，保(bao)險(xian)人(ren)給付停(ting)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)(cai)產(chan)按(an)是否可(ke)保的標準可(ke)以分為三類，即可(ke)保財(cai)(cai)產(chan)、特約可(ke)保財(cai)(cai)產(chan)和(he)不保財(cai)(cai)產(chan)。

費率一般多少

投保財產(chan)險(xian)(xian)需要提供(gong)“資產(chan)負(fu)債(zhai)表(biao)”，根據財產(chan)總額(e)和投保對象再測(ce)算出保費。基本(ben)險(xian)(xian)、財產(chan)綜合(he)險(xian)(xian)、財產(chan)一切(qie)險(xian)(xian)的費率(lv)由底到高，平均費率(lv)在千分(fen)之1.2左(zuo)右。

企業財產保險賠率

1、全部損失。受(shou)損財產的保(bao)(bao)險金(jin)額(e)(e)等于或高(gao)于保(bao)(bao)險價值時，其賠償金(jin)額(e)(e)以(yi)不(bu)超過保(bao)(bao)險價值為限;保(bao)(bao)險金(jin)額(e)(e)低(di)于保(bao)(bao)險價值時，按保(bao)(bao)險金(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)險(xian)(xian)金(jin)額由被(bei)保(bao)險(xian)(xian)人(ren)根據保(bao)險(xian)(xian)財(cai)產的實際價值確定(ding)(ding)，并且(qie)按照(zhao)保(bao)險(xian)(xian)單上(shang)規定(ding)(ding)的保(bao)險(xian)(xian)財(cai)產項目分別列明(ming)。

保險范圍包括哪些

1、可保財產：自有居(ju)住房屋；室內(nei)裝修、裝飾及(ji)附屬設施；室內(nei)家庭(ting)財產。

2、特保財產：

（1）農村家庭存(cun)放在院內的(de)非動力農機具、農用工(gong)具和已收獲(huo)的(de)農副產品

（2）個(ge)體勞(lao)動(dong)者存放在(zai)室內的營業器具、工具、原材料和商品

（3）代他(ta)(ta)人(ren)保管的財產或與(yu)他(ta)(ta)人(ren)共(gong)有的財產

（4）須與保險人特別約定(ding)才能投保的財產

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)(bao)險(xian)(xian)（又稱“法(fa)(fa)(fa)定保(bao)(bao)(bao)險(xian)(xian)”）是由(you)國家(jia)(jia)（政府）通(tong)過(guo)法(fa)(fa)(fa)律(lv)或(huo)行政手段強(qiang)制(zhi)實施(shi)的(de)一種保(bao)(bao)(bao)險(xian)(xian)。強(qiang)制(zhi)保(bao)(bao)(bao)險(xian)(xian)的(de)保(bao)(bao)(bao)險(xian)(xian)關系雖(sui)然也(ye)是產(chan)生(sheng)于(yu)投保(bao)(bao)(bao)人(ren)與保(bao)(bao)(bao)險(xian)(xian)人(ren)之間(jian)的(de)合同行為，但(dan)是，合同的(de)訂(ding)立受制(zhi)于(yu)國家(jia)(jia)或(huo)政府的(de)法(fa)(fa)(fa)律(lv)規定。強(qiang)制(zhi)保(bao)(bao)(bao)險(xian)(xian)的(de)實施(shi)方式有兩(liang)種選(xuan)擇：—是保(bao)(bao)(bao)險(xian)(xian)標的(de)與保(bao)(bao)(bao)險(xian)(xian)人(ren)均由(you)法(fa)(fa)(fa)律(lv)限定；二是保(bao)(bao)(bao)險(xian)(xian)標的(de)由(you)法(fa)(fa)(fa)律(lv)限定，但(dan)投保(bao)(bao)(bao)人(ren)可(ke)以自由(you)選(xuan)擇保(bao)(bao)(bao)險(xian)(xian)人(ren)，如機動車(che)交通(tong)事(shi)故責任(ren)強(qiang)制(zhi)保(bao)(bao)(bao)險(xian)(xian)。

自愿保險

自(zi)愿保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是(shi)(shi)在自(zi)愿原則下，投保(bao)(bao)(bao)人與保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人雙方在平(ping)等(deng)的(de)基礎(chu)上(shang)，通(tong)過訂立(li)(li)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合同而建立(li)(li)的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)關(guan)系。自(zi)愿保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)關(guan)系，是(shi)(shi)當事人之間自(zi)由(you)決(jue)(jue)定(ding)、彼(bi)此合意后所(suo)建立(li)(li)的(de)合同關(guan)系。投保(bao)(bao)(bao)人可(ke)以自(zi)由(you)決(jue)(jue)定(ding)是(shi)(shi)否投保(bao)(bao)(bao)、向誰投保(bao)(bao)(bao)、中途退保(bao)(bao)(bao)等(deng)，也可(ke)以自(zi)由(you)選擇保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金(jin)額、保(bao)(bao)(bao)障(zhang)范圍(wei)、保(bao)(bao)(bao)障(zhang)程度和保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)期(qi)限等(deng)；保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人也可(ke)以根據(ju)情況(kuang)自(zi)愿決(jue)(jue)定(ding)是(shi)(shi)否承保(bao)(bao)(bao)、怎樣承保(bao)(bao)(bao)等(deng)。

商業保險按承保方式分類

按承保(bao)方(fang)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(yuan)(yuan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)是保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)與投保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)(ren)之間直(zhi)接簽訂保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合(he)同而建立保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)關系的(de)(de)一種保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)。在原(yuan)(yuan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)關系中，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)需求者將其風險(xian)(xian)(xian)(xian)(xian)轉嫁(jia)給保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)，當保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標(biao)的(de)(de)遭受(shou)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)責(ze)任范圍內的(de)(de)損(sun)失時，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)直(zhi)接對被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)承擔賠償或給付責(ze)任。

再保險

再(zai)保(bao)險(xian)（也(ye)稱“分(fen)保(bao)”）是(shi)保(bao)險(xian)人(ren)(ren)(ren)將(jiang)其所承保(bao)的(de)(de)風(feng)險(xian)和(he)責任的(de)(de)一(yi)部(bu)(bu)分(fen)或全部(bu)(bu)轉(zhuan)移(yi)給其他保(bao)險(xian)人(ren)(ren)(ren)的(de)(de)一(yi)種保(bao)險(xian)。分(fen)出業務(wu)的(de)(de)是(shi)再(zai)保(bao)險(xian)分(fen)出人(ren)(ren)(ren)，接(jie)受(shou)分(fen)保(bao)業務(wu)的(de)(de)是(shi)再(zai)保(bao)險(xian)接(jie)受(shou)人(ren)(ren)(ren)。這種風(feng)險(xian)轉(zhuan)嫁方式是(shi)保(bao)險(xian)人(ren)(ren)(ren)對原始風(feng)險(xian)的(de)(de)縱向轉(zhuan)嫁，即(ji)第(di)二(er)次風(feng)險(xian)轉(zhuan)嫁。

共同保險

共同保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)（也稱“共保(bao)(bao)(bao)(bao)(bao)(bao)”）是由(you)幾個(ge)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)聯合直接承(cheng)保(bao)(bao)(bao)(bao)(bao)(bao)同一(yi)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)標(biao)的、同一(yi)風(feng)(feng)險(xian)、同一(yi)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)利益(yi)的保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)。共同保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)的各保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)承(cheng)保(bao)(bao)(bao)(bao)(bao)(bao)金(jin)額(e)的總(zong)和(he)不(bu)超過保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)標(biao)的的保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)價(jia)值(zhi)。在(zai)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)實務(wu)中，可(ke)能是多(duo)個(ge)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)分別與投保(bao)(bao)(bao)(bao)(bao)(bao)人(ren)(ren)(ren)簽(qian)訂保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)合同，也可(ke)能是多(duo)個(ge)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)以某一(yi)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)的名義簽(qian)發一(yi)份保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)合同。與再保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)不(bu)同，這種風(feng)(feng)險(xian)轉(zhuan)(zhuan)嫁方式是保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)(ren)(ren)對原(yuan)始風(feng)(feng)險(xian)的橫向轉(zhuan)(zhuan)嫁，它仍屬于風(feng)(feng)險(xian)的第一(yi)次轉(zhuan)(zhuan)嫁。

重復保險

重(zhong)復保(bao)險(xian)(xian)(xian)(xian)是指投保(bao)人(ren)(ren)以同(tong)(tong)一保(bao)險(xian)(xian)(xian)(xian)標的(de)、同(tong)(tong)一保(bao)險(xian)(xian)(xian)(xian)利益、同(tong)(tong)一保(bao)險(xian)(xian)(xian)(xian)事故(gu)分別與兩個或兩個以上保(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)訂立(li)保(bao)險(xian)(xian)(xian)(xian)合同(tong)(tong)，且保(bao)險(xian)(xian)(xian)(xian)金額總和超過(guo)保(bao)險(xian)(xian)(xian)(xian)價值的(de)保(bao)險(xian)(xian)(xian)(xian)。與共同(tong)(tong)保(bao)險(xian)(xian)(xian)(xian)相同(tong)(tong)，重(zhong)復保(bao)險(xian)(xian)(xian)(xian)也是投保(bao)人(ren)(ren)對原(yuan)始風險(xian)(xian)(xian)(xian)的(de)橫向轉嫁(jia)(jia)，也屬于風險(xian)(xian)(xian)(xian)的(de)第一次轉嫁(jia)(jia)。

商業按保險經營性質分

商業性保險

商業(ye)保(bao)險指保(bao)險公司所經營的各(ge)類保(bao)險業(ye)務。商業(ye)保(bao)險以(yi)盈(ying)利為目標，進行獨立(li)經濟核算。

政策性保險

常見的(de)政策性(xing)保(bao)(bao)險(xian)有出口(kou)信用保(bao)(bao)險(xian)、投資保(bao)(bao)險(xian)和(he)農為(wei)保(bao)(bao)險(xian)等。與此相比，商業(ye)保(bao)(bao)險(xian)由(you)以盈利(li)為(wei)目的(de)的(de)商業(ye)保(bao)(bao)險(xian)公司舉辦，它們自主經營、獨立核算、自負盈虧，由(you)于利(li)潤最大化(hua)的(de)考慮、通常不會經營政策性(xing)保(bao)(bao)險(xian)。