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)者(zhe)的身體由于保(bao)險(xian)合同保(bao)障(zhang)的意外事(shi)故遭受傷(shang)害導致損失時，保(bao)險(xian)公(gong)司會依據保(bao)險(xian)合同的約(yue)定(ding)賠付意外保(bao)險(xian)金。

（2）壽險：壽(shou)險(xian)(xian)還(huan)能細分(fen)為定(ding)期(qi)壽(shou)險(xian)(xian)、終(zhong)身壽(shou)險(xian)(xian)、兩全保(bao)(bao)險(xian)(xian)、年金保(bao)(bao)險(xian)(xian)，當被保(bao)(bao)者生存到約定(ding)的(de)時(shi)間或(huo)在(zai)約定(ding)的(de)時(shi)間內身故的(de)，保(bao)(bao)險(xian)(xian)公司會(hui)給(gei)付一(yi)筆錢給(gei)保(bao)(bao)險(xian)(xian)受益人。

（3）健康保險：還可分為重大疾病保(bao)(bao)險、住院醫(yi)療(liao)保(bao)(bao)險、意外(wai)傷害醫(yi)療(liao)保(bao)(bao)險等，其保(bao)(bao)險標的(de)是人的(de)身(shen)體(ti)，當(dang)被(bei)保(bao)(bao)者(zhe)發生(sheng)保(bao)(bao)險合同保(bao)(bao)障的(de)疾病或意外(wai)事故所(suo)產(chan)生(sheng)費用或損失(shi)時，保(bao)(bao)險公司會承擔事先(xian)約定的(de)保(bao)(bao)險金的(de)給(gei)付義務。

按保險期間的不同分類

人身保險(xian)可以(yi)(yi)分為保障(zhang)期(qi)在一年(nian)以(yi)(yi)下的(de)短險(xian)以(yi)(yi)及(ji)保障(zhang)期(qi)超過1年(nian)的(de)長期(qi)險(xian)（如(ru)保障(zhang)5年(nian)、10年(nian)、30年(nian)等）。

按承保方式分類

人(ren)身(shen)保(bao)(bao)險有(you)(you)團(tuan)體保(bao)(bao)險和個人(ren)保(bao)(bao)險之分。團(tuan)體保(bao)(bao)險一般是(shi)單位或企(qi)業給自(zi)身(shen)的(de)全體職工配置的(de)，保(bao)(bao)單只有(you)(you)一張，被保(bao)(bao)者一般是(shi)5人(ren)以(yi)上。個人(ren)保(bao)(bao)險是(shi)指被保(bao)(bao)者為1人(ren)的(de)產品，一般是(shi)家(jia)庭(ting)成員配置的(de)。

按分紅紅利分類

人身保(bao)險可分(fen)為分(fen)紅(hong)保(bao)險和消費(fei)型(xing)保(bao)險。分(fen)紅(hong)保(bao)險是指保(bao)險公司會(hui)把(ba)經營(ying)所得的可分(fen)配(pei)盈余(yu)按照一定的比例(li)分(fen)配(pei)給(gei)保(bao)單(dan)持有人的險種。消費(fei)型(xing)保(bao)險也即到期若沒有保(bao)險事故發生(sheng)的保(bao)費(fei)不(bu)返還，只有在保(bao)障期間內發生(sheng)保(bao)險事故才能獲賠。

人壽保險

保障范圍

人(ren)(ren)壽(shou)保(bao)(bao)險(xian)(xian)(xian)是人(ren)(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)的(de)(de)一(yi)種，以被保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)的(de)(de)壽(shou)命(ming)為保(bao)(bao)險(xian)(xian)(xian)標(biao)的(de)(de)，且以被保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)的(de)(de)生存或死亡(wang)為給付條件的(de)(de)人(ren)(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)。也就是說被保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)發生保(bao)(bao)險(xian)(xian)(xian)事故時，保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)會支(zhi)付保(bao)(bao)險(xian)(xian)(xian)費。

壽險險種

1、定期人壽：定(ding)期人(ren)壽保(bao)(bao)(bao)(bao)險就是約定(ding)一個保(bao)(bao)(bao)(bao)險期限，如果(guo)被保(bao)(bao)(bao)(bao)險人(ren)在(zai)約定(ding)期限里(li)(li)死亡，保(bao)(bao)(bao)(bao)險公司會(hui)向保(bao)(bao)(bao)(bao)險受益(yi)人(ren)賠付保(bao)(bao)(bao)(bao)險金；如果(guo)被保(bao)(bao)(bao)(bao)險人(ren)沒有在(zai)約定(ding)期限里(li)(li)死亡，那么(me)也就這(zhe)樣了，保(bao)(bao)(bao)(bao)險公司既不(bu)進行賠付，也不(bu)退還保(bao)(bao)(bao)(bao)費。

2、終身人壽：終身(shen)人(ren)壽保(bao)(bao)(bao)(bao)險(xian)是(shi)在被保(bao)(bao)(bao)(bao)險(xian)人(ren)死(si)亡之后(hou)，保(bao)(bao)(bao)(bao)險(xian)公司向保(bao)(bao)(bao)(bao)險(xian)受(shou)益人(ren)進(jin)行(xing)賠付的(de)保(bao)(bao)(bao)(bao)險(xian)，但是(shi)終身(shen)人(ren)壽保(bao)(bao)(bao)(bao)險(xian)沒(mei)有(you)約定(ding)期限(xian)。由(you)于人(ren)是(shi)一(yi)定(ding)會(hui)死(si)的(de)，所以保(bao)(bao)(bao)(bao)險(xian)公司最終一(yi)定(ding)會(hui)進(jin)行(xing)賠付。

3、生存保險：生存保(bao)(bao)險要(yao)求(qiu)被保(bao)(bao)險人(ren)一(yi)定(ding)要(yao)活到之前約定(ding)的期限(xian)。如果(guo)在到期之前，被保(bao)(bao)險人(ren)就死亡了，那么保(bao)(bao)險公司既(ji)不會(hui)進行賠償，也不會(hui)退(tui)回保(bao)(bao)費。

4、生死兩全：生(sheng)死(si)兩全保(bao)險(xian)(xian)是將定(ding)期人(ren)壽保(bao)險(xian)(xian)和生(sheng)存(cun)(cun)保(bao)險(xian)(xian)進(jin)行組合之后得到(dao)的(de)保(bao)險(xian)(xian)。如(ru)(ru)果被保(bao)險(xian)(xian)人(ren)在約定(ding)的(de)期限(xian)里死(si)亡(wang)，保(bao)險(xian)(xian)公司會(hui)向(xiang)(xiang)保(bao)險(xian)(xian)受益(yi)人(ren)進(jin)行賠付；如(ru)(ru)果被保(bao)險(xian)(xian)人(ren)活到(dao)了(le)約定(ding)期限(xian)結束，保(bao)險(xian)(xian)公司會(hui)向(xiang)(xiang)被保(bao)險(xian)(xian)人(ren)發放生(sheng)存(cun)(cun)金。

5、養老保險：養(yang)老保(bao)險(xian)是(shi)將(jiang)生存保(bao)險(xian)和(he)死亡保(bao)險(xian)進行(xing)組合(he)之后得到(dao)的保(bao)險(xian)。不(bu)管被保(bao)險(xian)人在約定期(qi)限里是(shi)死是(shi)活，保(bao)險(xian)公司都會進行(xing)相應的賠付。

壽險多少歲不能買

每種險種都有自己(ji)的投保規則，對于(yu)(yu)年(nian)齡的限制，都不(bu)一(yi)(yi)樣。一(yi)(yi)般情況下，對于(yu)(yu)壽險規劃，60歲，基本就是上(shang)線。

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(zhang)的(de)(de)內(nei)容主要(yao)有(you)兩(liang)種(zhong)(zhong)，一種(zhong)(zhong)是因(yin)疾病或意(yi)外(wai)(wai)保險(xian)事故而產生的(de)(de)醫療費用，一類是因(yin)疾病或意(yi)外(wai)(wai)保險(xian)事故而產生的(de)(de)其他損失(shi)。

健康險險種分類

分為(wei)醫療(liao)保險、疾病(bing)保險、收入保障線、護(hu)理保險四大類。

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(wang)給付(fu)：被保(bao)(bao)險人遭(zao)受意外傷害(hai)造(zao)成死亡(wang)時(shi)，保(bao)(bao)險人給付(fu)死亡(wang)保(bao)(bao)險金。

2、殘廢給付(fu)：被保(bao)(bao)險(xian)人(ren)因遭受意外傷害造成殘廢時，保(bao)(bao)險(xian)人(ren)按照傷殘等級支付(fu)不同的(de)保(bao)(bao)險(xian)金。

3、醫療給付：被保(bao)險人因遭受意外傷害(hai)支出醫療費時，保(bao)險人根據實(shi)際情(qing)況酌情(qing)給付。

4、停工(gong)給付(fu)：被(bei)保(bao)險(xian)人(ren)因意外(wai)傷(shang)害暫時喪(sang)失勞動能力(li)，不能工(gong)作時，保(bao)險(xian)人(ren)給付(fu)停工(gong)保(bao)險(xian)金(jin)。

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

企業(ye)財產按是(shi)否可保(bao)的標準(zhun)可以分為三類，即可保(bao)財產、特約可保(bao)財產和不(bu)保(bao)財產。

費率一般多少

投保財(cai)產(chan)(chan)險需(xu)要提供“資產(chan)(chan)負債表”，根據財(cai)產(chan)(chan)總(zong)額(e)和(he)投保對(dui)象再測算出保費。基本險、財(cai)產(chan)(chan)綜合險、財(cai)產(chan)(chan)一切險的費率(lv)由底到高，平(ping)均(jun)費率(lv)在千分之1.2左右。

企業財產保險賠率

1、全部損失。受損(sun)財(cai)產的(de)保(bao)(bao)(bao)險金(jin)額(e)等于(yu)(yu)或高于(yu)(yu)保(bao)(bao)(bao)險價值時，其賠(pei)償金(jin)額(e)以不超過保(bao)(bao)(bao)險價值為限;保(bao)(bao)(bao)險金(jin)額(e)低于(yu)(yu)保(bao)(bao)(bao)險價值時，按保(bao)(bao)(bao)險金(jin)額(e)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)(xian)金額(e)由被保(bao)險(xian)(xian)人根(gen)據保(bao)險(xian)(xian)財產的(de)實(shi)際價(jia)值確定(ding)，并且按照保(bao)險(xian)(xian)單上(shang)規定(ding)的(de)保(bao)險(xian)(xian)財產項目分別列明。

保險范圍包括哪些

1、可保財產：自有居(ju)住(zhu)房(fang)屋(wu)；室(shi)內(nei)裝修(xiu)、裝飾及(ji)附(fu)屬設施；室(shi)內(nei)家(jia)庭財產。

2、特保財產：

（1）農(nong)(nong)村家庭存放(fang)在院內的(de)非動力農(nong)(nong)機(ji)具(ju)、農(nong)(nong)用工具(ju)和已(yi)收獲的(de)農(nong)(nong)副產品

（2）個體(ti)勞動(dong)者存放在室內(nei)的(de)營業器(qi)具、工具、原(yuan)材料(liao)和商品

（3）代他人保管的財(cai)產或與他人共(gong)有的財(cai)產

（4）須與保險人特別約(yue)定(ding)才能(neng)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)制保(bao)(bao)(bao)險(xian)（又稱“法(fa)定(ding)保(bao)(bao)(bao)險(xian)”）是由(you)國家（政府）通(tong)過法(fa)律或行政手段強(qiang)制實施的(de)(de)一種保(bao)(bao)(bao)險(xian)。強(qiang)制保(bao)(bao)(bao)險(xian)的(de)(de)保(bao)(bao)(bao)險(xian)關系雖然也是產生于(yu)投(tou)保(bao)(bao)(bao)人與(yu)保(bao)(bao)(bao)險(xian)人之間的(de)(de)合同行為，但(dan)是，合同的(de)(de)訂(ding)立(li)受制于(yu)國家或政府的(de)(de)法(fa)律規定(ding)。強(qiang)制保(bao)(bao)(bao)險(xian)的(de)(de)實施方式(shi)有兩種選(xuan)擇：—是保(bao)(bao)(bao)險(xian)標的(de)(de)與(yu)保(bao)(bao)(bao)險(xian)人均由(you)法(fa)律限定(ding)；二是保(bao)(bao)(bao)險(xian)標的(de)(de)由(you)法(fa)律限定(ding)，但(dan)投(tou)保(bao)(bao)(bao)人可以自由(you)選(xuan)擇保(bao)(bao)(bao)險(xian)人，如機動車(che)交通(tong)事故責(ze)任強(qiang)制保(bao)(bao)(bao)險(xian)。

自愿保險

自愿(yuan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)是(shi)在(zai)自愿(yuan)原則下，投保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)(ren)與保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)雙方在(zai)平等(deng)的基礎(chu)上，通過(guo)訂立(li)(li)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合(he)同而建立(li)(li)的保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)關系。自愿(yuan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)的保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)關系，是(shi)當事(shi)人(ren)(ren)(ren)之間自由(you)決(jue)定(ding)、彼此合(he)意后所建立(li)(li)的合(he)同關系。投保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)(ren)可(ke)以自由(you)決(jue)定(ding)是(shi)否投保(bao)(bao)(bao)(bao)(bao)、向誰投保(bao)(bao)(bao)(bao)(bao)、中途退保(bao)(bao)(bao)(bao)(bao)等(deng)，也可(ke)以自由(you)選擇保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)金額、保(bao)(bao)(bao)(bao)(bao)障范圍、保(bao)(bao)(bao)(bao)(bao)障程度和(he)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)期限等(deng)；保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)也可(ke)以根據情況自愿(yuan)決(jue)定(ding)是(shi)否承(cheng)保(bao)(bao)(bao)(bao)(bao)、怎樣承(cheng)保(bao)(bao)(bao)(bao)(bao)等(deng)。

商業保險按承保(bao)方式分類(lei)

按承保(bao)方(fang)式分類，可將保(bao)險(xian)分為原(yuan)保(bao)險(xian)、再保(bao)險(xian)、共同保(bao)險(xian)和(he)重復保(bao)險(xian)。

原保險

原保(bao)險(xian)(xian)(xian)是保(bao)險(xian)(xian)(xian)人(ren)與投保(bao)人(ren)之間直(zhi)接(jie)簽訂保(bao)險(xian)(xian)(xian)合同而建立保(bao)險(xian)(xian)(xian)關系(xi)的(de)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)需求者將其風險(xian)(xian)(xian)轉嫁給保(bao)險(xian)(xian)(xian)人(ren)，當(dang)保(bao)險(xian)(xian)(xian)標的(de)遭受(shou)保(bao)險(xian)(xian)(xian)責任范圍內(nei)的(de)損(sun)失(shi)時，保(bao)險(xian)(xian)(xian)人(ren)直(zhi)接(jie)對(dui)被保(bao)險(xian)(xian)(xian)人(ren)承擔賠償或給付責任。

再保險

再保(bao)(bao)險(xian)(xian)(xian)（也稱“分(fen)(fen)保(bao)(bao)”）是(shi)保(bao)(bao)險(xian)(xian)(xian)人將其(qi)所承保(bao)(bao)的(de)風險(xian)(xian)(xian)和責任(ren)的(de)一(yi)部(bu)分(fen)(fen)或全(quan)部(bu)轉移給其(qi)他保(bao)(bao)險(xian)(xian)(xian)人的(de)一(yi)種(zhong)保(bao)(bao)險(xian)(xian)(xian)。分(fen)(fen)出業務(wu)(wu)的(de)是(shi)再保(bao)(bao)險(xian)(xian)(xian)分(fen)(fen)出人，接(jie)受分(fen)(fen)保(bao)(bao)業務(wu)(wu)的(de)是(shi)再保(bao)(bao)險(xian)(xian)(xian)接(jie)受人。這種(zhong)風險(xian)(xian)(xian)轉嫁(jia)方(fang)式是(shi)保(bao)(bao)險(xian)(xian)(xian)人對原始(shi)風險(xian)(xian)(xian)的(de)縱向轉嫁(jia)，即第(di)二次風險(xian)(xian)(xian)轉嫁(jia)。

共同保險

共(gong)同(tong)(tong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)（也稱“共(gong)保(bao)(bao)(bao)”）是(shi)由幾個保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人聯合直接承保(bao)(bao)(bao)同(tong)(tong)一保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標(biao)(biao)的(de)(de)、同(tong)(tong)一風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)、同(tong)(tong)一保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)利益的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)。共(gong)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)人承保(bao)(bao)(bao)金額的(de)(de)總和不超過保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標(biao)(biao)的(de)(de)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)價值。在(zai)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)實務中(zhong)，可能是(shi)多(duo)個保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人分別與投保(bao)(bao)(bao)人簽訂保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合同(tong)(tong)，也可能是(shi)多(duo)個保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人以某一保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人的(de)(de)名義簽發一份保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合同(tong)(tong)。與再保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)不同(tong)(tong)，這種風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)轉(zhuan)嫁方式是(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人對(dui)原始風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)橫向轉(zhuan)嫁，它仍屬于風(feng)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)第一次(ci)轉(zhuan)嫁。

重復保險

重(zhong)復保險(xian)(xian)(xian)是(shi)指投保人(ren)以(yi)同(tong)一(yi)保險(xian)(xian)(xian)標的(de)、同(tong)一(yi)保險(xian)(xian)(xian)利益(yi)、同(tong)一(yi)保險(xian)(xian)(xian)事(shi)故分(fen)別與兩個(ge)或兩個(ge)以(yi)上(shang)保險(xian)(xian)(xian)人(ren)訂立保險(xian)(xian)(xian)合同(tong)，且(qie)保險(xian)(xian)(xian)金額總(zong)和(he)超過保險(xian)(xian)(xian)價值的(de)保險(xian)(xian)(xian)。與共同(tong)保險(xian)(xian)(xian)相同(tong)，重(zhong)復保險(xian)(xian)(xian)也(ye)是(shi)投保人(ren)對原(yuan)始(shi)風險(xian)(xian)(xian)的(de)橫(heng)向轉嫁(jia)，也(ye)屬于風險(xian)(xian)(xian)的(de)第一(yi)次轉嫁(jia)。

商業按保險經營性質分

商業性保險

商業保(bao)險(xian)指保(bao)險(xian)公(gong)司(si)所經營的各類保(bao)險(xian)業務。商業保(bao)險(xian)以(yi)盈利為目(mu)標，進行獨立(li)經濟核(he)算。

政策性保險

常見的政(zheng)策性保(bao)(bao)險有出口信用保(bao)(bao)險、投(tou)資保(bao)(bao)險和農為(wei)保(bao)(bao)險等。與此相比，商業(ye)保(bao)(bao)險由以盈利為(wei)目的的商業(ye)保(bao)(bao)險公司舉辦(ban)，它們自(zi)主經營(ying)、獨立核算(suan)、自(zi)負(fu)盈虧，由于利潤最大化的考(kao)慮、通(tong)常不(bu)會經營(ying)政(zheng)策性保(bao)(bao)險。