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(bei)保者的身體(ti)由于(yu)保險合同保障的意(yi)外事故遭受傷害導致損失(shi)時，保險公司會依據保險合同的約定賠付意(yi)外保險金。

（2）壽險：壽(shou)險(xian)(xian)(xian)還能細分為定(ding)(ding)期(qi)壽(shou)險(xian)(xian)(xian)、終身壽(shou)險(xian)(xian)(xian)、兩全保(bao)險(xian)(xian)(xian)、年(nian)金保(bao)險(xian)(xian)(xian)，當被保(bao)者生存到約定(ding)(ding)的時間或在約定(ding)(ding)的時間內(nei)身故的，保(bao)險(xian)(xian)(xian)公司會給(gei)(gei)付一筆錢給(gei)(gei)保(bao)險(xian)(xian)(xian)受益(yi)人。

（3）健康保險：還(huan)可(ke)分為(wei)重大(da)疾病保(bao)險、住(zhu)院醫療(liao)保(bao)險、意(yi)外傷害醫療(liao)保(bao)險等，其保(bao)險標的(de)(de)是人的(de)(de)身體，當被保(bao)者(zhe)發(fa)生保(bao)險合同保(bao)障的(de)(de)疾病或意(yi)外事(shi)故所產生費用或損(sun)失(shi)時，保(bao)險公(gong)司(si)會承擔事(shi)先約定(ding)的(de)(de)保(bao)險金的(de)(de)給付義務。

按保險期間的不同分類

人身保險(xian)可以分為保障(zhang)(zhang)期(qi)(qi)在一年(nian)以下的短險(xian)以及保障(zhang)(zhang)期(qi)(qi)超(chao)過1年(nian)的長期(qi)(qi)險(xian)（如保障(zhang)(zhang)5年(nian)、10年(nian)、30年(nian)等）。

按承保方式分類

人(ren)身保險(xian)(xian)有(you)團體保險(xian)(xian)和個人(ren)保險(xian)(xian)之分。團體保險(xian)(xian)一般是(shi)單位或企業(ye)給自身的(de)全體職工配(pei)置的(de)，保單只有(you)一張，被保者一般是(shi)5人(ren)以上。個人(ren)保險(xian)(xian)是(shi)指(zhi)被保者為1人(ren)的(de)產品，一般是(shi)家庭成(cheng)員配(pei)置的(de)。

按分紅紅利分類

人(ren)身保(bao)(bao)險(xian)(xian)(xian)可(ke)分為分紅保(bao)(bao)險(xian)(xian)(xian)和消費型保(bao)(bao)險(xian)(xian)(xian)。分紅保(bao)(bao)險(xian)(xian)(xian)是指(zhi)保(bao)(bao)險(xian)(xian)(xian)公司會把經營(ying)所得(de)的可(ke)分配(pei)盈余按照(zhao)一定的比例分配(pei)給保(bao)(bao)單(dan)持有(you)人(ren)的險(xian)(xian)(xian)種。消費型保(bao)(bao)險(xian)(xian)(xian)也即到(dao)期若沒有(you)保(bao)(bao)險(xian)(xian)(xian)事(shi)故發(fa)生的保(bao)(bao)費不返還，只有(you)在保(bao)(bao)障期間內發(fa)生保(bao)(bao)險(xian)(xian)(xian)事(shi)故才能(neng)獲(huo)賠。

人壽保險

保障范圍

人(ren)壽保(bao)(bao)險(xian)是人(ren)身(shen)保(bao)(bao)險(xian)的(de)一種，以被保(bao)(bao)險(xian)人(ren)的(de)壽命為保(bao)(bao)險(xian)標的(de)，且(qie)以被保(bao)(bao)險(xian)人(ren)的(de)生存或死亡為給(gei)付條件(jian)的(de)人(ren)身(shen)保(bao)(bao)險(xian)。也就是說被保(bao)(bao)險(xian)人(ren)發生保(bao)(bao)險(xian)事故時，保(bao)(bao)險(xian)人(ren)會支付保(bao)(bao)險(xian)費。

壽險險種

1、定期人壽：定(ding)(ding)期人壽保(bao)險(xian)(xian)就是約定(ding)(ding)一個保(bao)險(xian)(xian)期限(xian)，如果被(bei)保(bao)險(xian)(xian)人在約定(ding)(ding)期限(xian)里死亡(wang)，保(bao)險(xian)(xian)公司會向(xiang)保(bao)險(xian)(xian)受益人賠付保(bao)險(xian)(xian)金；如果被(bei)保(bao)險(xian)(xian)人沒有在約定(ding)(ding)期限(xian)里死亡(wang)，那么也就這樣(yang)了，保(bao)險(xian)(xian)公司既(ji)不進行賠付，也不退還保(bao)費。

2、終身人壽：終(zhong)(zhong)身(shen)人壽(shou)保(bao)(bao)險是在被保(bao)(bao)險人死亡之后，保(bao)(bao)險公司向(xiang)保(bao)(bao)險受益人進行賠付(fu)的保(bao)(bao)險，但是終(zhong)(zhong)身(shen)人壽(shou)保(bao)(bao)險沒有約定(ding)期限。由于人是一定(ding)會(hui)死的，所(suo)以保(bao)(bao)險公司最(zui)終(zhong)(zhong)一定(ding)會(hui)進行賠付(fu)。

3、生存保險：生存(cun)保(bao)險要求被(bei)保(bao)險人(ren)一(yi)定(ding)要活到之前約定(ding)的(de)期限。如果在(zai)到期之前，被(bei)保(bao)險人(ren)就(jiu)死亡了(le)，那(nei)么(me)保(bao)險公司既不會(hui)進行賠償(chang)，也不會(hui)退回(hui)保(bao)費(fei)。

4、生死兩全：生死兩全保(bao)險(xian)(xian)(xian)是將定期人(ren)壽保(bao)險(xian)(xian)(xian)和生存保(bao)險(xian)(xian)(xian)進行(xing)組(zu)合之后得到(dao)的保(bao)險(xian)(xian)(xian)。如果(guo)被(bei)(bei)保(bao)險(xian)(xian)(xian)人(ren)在約定的期限里死亡(wang)，保(bao)險(xian)(xian)(xian)公(gong)司(si)會(hui)向(xiang)保(bao)險(xian)(xian)(xian)受(shou)益人(ren)進行(xing)賠付；如果(guo)被(bei)(bei)保(bao)險(xian)(xian)(xian)人(ren)活到(dao)了約定期限結束，保(bao)險(xian)(xian)(xian)公(gong)司(si)會(hui)向(xiang)被(bei)(bei)保(bao)險(xian)(xian)(xian)人(ren)發放生存金。

5、養老保險：養老保(bao)(bao)險(xian)是將生存(cun)保(bao)(bao)險(xian)和死(si)亡保(bao)(bao)險(xian)進行組合(he)之后得到(dao)的保(bao)(bao)險(xian)。不管被保(bao)(bao)險(xian)人在約定期限里(li)是死(si)是活，保(bao)(bao)險(xian)公司都會進行相應的賠付。

壽險多少歲不能買

每種險(xian)種都(dou)有(you)自(zi)己的投保(bao)規則，對于年齡的限制(zhi)，都(dou)不一樣(yang)。一般情況(kuang)下，對于壽險(xian)規劃，60歲，基本就是(shi)上線。

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(bao)障的(de)內容主要有兩種(zhong)，一種(zhong)是因(yin)疾(ji)(ji)病或意外(wai)保(bao)險(xian)事故而(er)(er)產生的(de)醫療費用，一類是因(yin)疾(ji)(ji)病或意外(wai)保(bao)險(xian)事故而(er)(er)產生的(de)其(qi)他(ta)損失。

健康險險種分類

分為醫療保(bao)(bao)險(xian)、疾病保(bao)(bao)險(xian)、收(shou)入保(bao)(bao)障(zhang)線、護理保(bao)(bao)險(xian)四大(da)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(si)亡(wang)(wang)給(gei)(gei)付(fu)：被(bei)保險人(ren)遭受意(yi)外傷害造(zao)成死(si)亡(wang)(wang)時，保險人(ren)給(gei)(gei)付(fu)死(si)亡(wang)(wang)保險金。

2、殘(can)(can)廢(fei)(fei)給付：被保險(xian)(xian)(xian)人因遭受意(yi)外傷(shang)害造成殘(can)(can)廢(fei)(fei)時，保險(xian)(xian)(xian)人按(an)照傷(shang)殘(can)(can)等(deng)級支付不同的保險(xian)(xian)(xian)金。

3、醫(yi)療(liao)給付：被保險人因遭受(shou)意外傷害支出醫(yi)療(liao)費(fei)時(shi)，保險人根(gen)據實際(ji)情況酌情給付。

4、停工(gong)給(gei)付：被保(bao)險人因意外傷害暫時喪(sang)失勞動能(neng)力，不(bu)能(neng)工(gong)作時，保(bao)險人給(gei)付停工(gong)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

企業財(cai)產(chan)按(an)是否(fou)可(ke)(ke)保(bao)的標準可(ke)(ke)以分為三類，即可(ke)(ke)保(bao)財(cai)產(chan)、特約可(ke)(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)需(xu)要提供“資產負債表”，根據財(cai)產總額和投保(bao)對(dui)象(xiang)再(zai)測算出保(bao)費(fei)。基本險(xian)、財(cai)產綜合(he)險(xian)、財(cai)產一切(qie)險(xian)的費(fei)率(lv)由底到高，平均費(fei)率(lv)在千分之1.2左右。

企業財產保險賠率

1、全部損失。受損財產的保(bao)險金(jin)(jin)額(e)等于或高于保(bao)險價值時，其賠償金(jin)(jin)額(e)以不(bu)超過保(bao)險價值為限;保(bao)險金(jin)(jin)額(e)低于保(bao)險價值時，按(an)保(bao)險金(jin)(jin)額(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

保險金額由被保險人根據保險財(cai)(cai)產的實際價(jia)值確(que)定，并且按照(zhao)保險單上規定的保險財(cai)(cai)產項目分別列明(ming)。

保險范圍包括哪些

1、可保財產：自有居住房屋；室內裝修、裝飾及附(fu)屬設(she)施(shi)；室內家庭財產。

2、特保財產：

（1）農村家庭(ting)存(cun)放在(zai)院內的(de)(de)非動(dong)力農機具、農用工具和已收獲的(de)(de)農副產品

（2）個體勞(lao)動者存放在(zai)室內的營業(ye)器具、工具、原材料和商(shang)品

（3）代他(ta)人(ren)(ren)保管的財(cai)(cai)產(chan)或與他(ta)人(ren)(ren)共有的財(cai)(cai)產(chan)

（4）須與(yu)保險(xian)人特(te)別約定(ding)才能(neng)投(tou)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)(bao)險(xian)(xian)（又(you)稱“法定保(bao)(bao)(bao)(bao)險(xian)(xian)”）是由(you)國家（政(zheng)府）通過法律(lv)或(huo)行政(zheng)手(shou)段強(qiang)制(zhi)實施(shi)的(de)(de)一種(zhong)(zhong)保(bao)(bao)(bao)(bao)險(xian)(xian)。強(qiang)制(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)關系雖(sui)然(ran)也(ye)是產(chan)生于投保(bao)(bao)(bao)(bao)人與保(bao)(bao)(bao)(bao)險(xian)(xian)人之間(jian)的(de)(de)合(he)同行為，但(dan)是，合(he)同的(de)(de)訂立受制(zhi)于國家或(huo)政(zheng)府的(de)(de)法律(lv)規定。強(qiang)制(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)的(de)(de)實施(shi)方式有兩(liang)種(zhong)(zhong)選(xuan)擇(ze)：—是保(bao)(bao)(bao)(bao)險(xian)(xian)標(biao)的(de)(de)與保(bao)(bao)(bao)(bao)險(xian)(xian)人均由(you)法律(lv)限定；二是保(bao)(bao)(bao)(bao)險(xian)(xian)標(biao)的(de)(de)由(you)法律(lv)限定，但(dan)投保(bao)(bao)(bao)(bao)人可以自(zi)由(you)選(xuan)擇(ze)保(bao)(bao)(bao)(bao)險(xian)(xian)人，如機(ji)動車交通事(shi)故責任強(qiang)制(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)。

自愿保險

自愿(yuan)(yuan)保(bao)(bao)(bao)險(xian)是(shi)在(zai)自愿(yuan)(yuan)原(yuan)則(ze)下，投保(bao)(bao)(bao)人(ren)(ren)與保(bao)(bao)(bao)險(xian)人(ren)(ren)雙方在(zai)平等的(de)基(ji)礎(chu)上，通過訂立保(bao)(bao)(bao)險(xian)合同而建立的(de)保(bao)(bao)(bao)險(xian)關(guan)系。自愿(yuan)(yuan)保(bao)(bao)(bao)險(xian)的(de)保(bao)(bao)(bao)險(xian)關(guan)系，是(shi)當事人(ren)(ren)之間自由決定(ding)(ding)、彼此合意后所建立的(de)合同關(guan)系。投保(bao)(bao)(bao)人(ren)(ren)可(ke)以自由決定(ding)(ding)是(shi)否投保(bao)(bao)(bao)、向誰(shui)投保(bao)(bao)(bao)、中途退保(bao)(bao)(bao)等，也可(ke)以自由選擇(ze)保(bao)(bao)(bao)險(xian)金額、保(bao)(bao)(bao)障范圍(wei)、保(bao)(bao)(bao)障程度和保(bao)(bao)(bao)險(xian)期限等；保(bao)(bao)(bao)險(xian)人(ren)(ren)也可(ke)以根(gen)據(ju)情況自愿(yuan)(yuan)決定(ding)(ding)是(shi)否承(cheng)保(bao)(bao)(bao)、怎樣承(cheng)保(bao)(bao)(bao)等。

商業保險按承保方(fang)式(shi)分(fen)類

按承(cheng)保方式(shi)分(fen)類，可將保險分(fen)為原保險、再保險、共同(tong)保險和重復(fu)保險。

原保險

原(yuan)保(bao)(bao)(bao)(bao)(bao)險是保(bao)(bao)(bao)(bao)(bao)險人與(yu)投保(bao)(bao)(bao)(bao)(bao)人之(zhi)間(jian)直接簽訂保(bao)(bao)(bao)(bao)(bao)險合同而建立保(bao)(bao)(bao)(bao)(bao)險關系(xi)的(de)(de)一種(zhong)保(bao)(bao)(bao)(bao)(bao)險。在原(yuan)保(bao)(bao)(bao)(bao)(bao)險關系(xi)中，保(bao)(bao)(bao)(bao)(bao)險需求者將其(qi)風險轉嫁給(gei)保(bao)(bao)(bao)(bao)(bao)險人，當保(bao)(bao)(bao)(bao)(bao)險標的(de)(de)遭受保(bao)(bao)(bao)(bao)(bao)險責任范圍內的(de)(de)損失時，保(bao)(bao)(bao)(bao)(bao)險人直接對被保(bao)(bao)(bao)(bao)(bao)險人承擔賠(pei)償或給(gei)付責任。

再保險

再(zai)保(bao)(bao)險(xian)(xian)（也稱“分(fen)(fen)保(bao)(bao)”）是(shi)(shi)保(bao)(bao)險(xian)(xian)人(ren)將其所承(cheng)保(bao)(bao)的風險(xian)(xian)和(he)責任的一部分(fen)(fen)或全部轉移給其他保(bao)(bao)險(xian)(xian)人(ren)的一種保(bao)(bao)險(xian)(xian)。分(fen)(fen)出業務(wu)的是(shi)(shi)再(zai)保(bao)(bao)險(xian)(xian)分(fen)(fen)出人(ren)，接受(shou)分(fen)(fen)保(bao)(bao)業務(wu)的是(shi)(shi)再(zai)保(bao)(bao)險(xian)(xian)接受(shou)人(ren)。這(zhe)種風險(xian)(xian)轉嫁(jia)(jia)方式(shi)是(shi)(shi)保(bao)(bao)險(xian)(xian)人(ren)對原始風險(xian)(xian)的縱向轉嫁(jia)(jia)，即第(di)二次(ci)風險(xian)(xian)轉嫁(jia)(jia)。

共同保險

共(gong)(gong)同(tong)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)（也(ye)稱“共(gong)(gong)保(bao)(bao)(bao)(bao)”）是由(you)幾個(ge)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)聯(lian)合直接承保(bao)(bao)(bao)(bao)同(tong)一(yi)(yi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的、同(tong)一(yi)(yi)風(feng)險(xian)(xian)(xian)、同(tong)一(yi)(yi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)利益的保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。共(gong)(gong)同(tong)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的各保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)承保(bao)(bao)(bao)(bao)金額的總和不超(chao)過保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的的保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)價值(zhi)。在(zai)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)實務中，可(ke)能(neng)是多個(ge)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)分別(bie)與投(tou)保(bao)(bao)(bao)(bao)人(ren)(ren)(ren)簽訂(ding)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合同(tong)，也(ye)可(ke)能(neng)是多個(ge)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)以某一(yi)(yi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)的名義簽發一(yi)(yi)份保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合同(tong)。與再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)不同(tong)，這種風(feng)險(xian)(xian)(xian)轉(zhuan)嫁方式是保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)對原始風(feng)險(xian)(xian)(xian)的橫(heng)向轉(zhuan)嫁，它仍屬于風(feng)險(xian)(xian)(xian)的第一(yi)(yi)次轉(zhuan)嫁。

重復保險

重復保(bao)險(xian)(xian)(xian)是(shi)指投(tou)保(bao)人以同(tong)一(yi)(yi)保(bao)險(xian)(xian)(xian)標的、同(tong)一(yi)(yi)保(bao)險(xian)(xian)(xian)利益、同(tong)一(yi)(yi)保(bao)險(xian)(xian)(xian)事故分別與兩(liang)(liang)個或兩(liang)(liang)個以上(shang)保(bao)險(xian)(xian)(xian)人訂立保(bao)險(xian)(xian)(xian)合同(tong)，且保(bao)險(xian)(xian)(xian)金額總和超過保(bao)險(xian)(xian)(xian)價值的保(bao)險(xian)(xian)(xian)。與共同(tong)保(bao)險(xian)(xian)(xian)相同(tong)，重復保(bao)險(xian)(xian)(xian)也是(shi)投(tou)保(bao)人對原始風(feng)險(xian)(xian)(xian)的橫(heng)向轉(zhuan)嫁(jia)，也屬于風(feng)險(xian)(xian)(xian)的第一(yi)(yi)次轉(zhuan)嫁(jia)。

商業按保險經營性質分

商業性保險

商業(ye)(ye)保(bao)險(xian)指保(bao)險(xian)公司所(suo)經營(ying)的(de)各(ge)類保(bao)險(xian)業(ye)(ye)務(wu)。商業(ye)(ye)保(bao)險(xian)以(yi)盈利為(wei)目標(biao)，進行獨立經濟核算。

政策性保險

常見的(de)(de)政策性保(bao)(bao)險(xian)(xian)(xian)有出口(kou)信用保(bao)(bao)險(xian)(xian)(xian)、投(tou)資保(bao)(bao)險(xian)(xian)(xian)和農為保(bao)(bao)險(xian)(xian)(xian)等(deng)。與此相比，商業保(bao)(bao)險(xian)(xian)(xian)由(you)以(yi)盈(ying)利(li)為目的(de)(de)的(de)(de)商業保(bao)(bao)險(xian)(xian)(xian)公司舉(ju)辦(ban)，它們(men)自(zi)主經(jing)營、獨立核算(suan)、自(zi)負盈(ying)虧，由(you)于利(li)潤(run)最大化(hua)的(de)(de)考慮、通常不會經(jing)營政策性保(bao)(bao)險(xian)(xian)(xian)。