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)身體由于(yu)保(bao)(bao)險(xian)合同保(bao)(bao)障的(de)意外(wai)事故遭受傷(shang)害導致(zhi)損失時，保(bao)(bao)險(xian)公司會依據(ju)保(bao)(bao)險(xian)合同的(de)約(yue)定賠付意外(wai)保(bao)(bao)險(xian)金(jin)。

（2）壽險：壽險(xian)(xian)(xian)還(huan)能細(xi)分為定期(qi)壽險(xian)(xian)(xian)、終身壽險(xian)(xian)(xian)、兩全保(bao)險(xian)(xian)(xian)、年(nian)金(jin)保(bao)險(xian)(xian)(xian)，當被保(bao)者生存到(dao)約(yue)定的時(shi)間(jian)或在約(yue)定的時(shi)間(jian)內身故的，保(bao)險(xian)(xian)(xian)公司(si)會給(gei)(gei)付一筆(bi)錢給(gei)(gei)保(bao)險(xian)(xian)(xian)受益人(ren)。

（3）健康保險：還(huan)可(ke)分為(wei)重大疾(ji)病保(bao)(bao)險、住院(yuan)醫療保(bao)(bao)險、意(yi)(yi)外傷害醫療保(bao)(bao)險等，其保(bao)(bao)險標的是人(ren)的身(shen)體，當被保(bao)(bao)者發生(sheng)(sheng)保(bao)(bao)險合(he)同保(bao)(bao)障的疾(ji)病或意(yi)(yi)外事故所產生(sheng)(sheng)費用或損失時，保(bao)(bao)險公司會承擔事先約定(ding)的保(bao)(bao)險金的給付義務。

按保險期間的不同分類

人身保險可以分(fen)為保障(zhang)期在一年(nian)以下(xia)的(de)短(duan)險以及保障(zhang)期超(chao)過(guo)1年(nian)的(de)長期險（如保障(zhang)5年(nian)、10年(nian)、30年(nian)等）。

按承保方式分類

人(ren)(ren)身保(bao)險(xian)有(you)團體保(bao)險(xian)和個人(ren)(ren)保(bao)險(xian)之分。團體保(bao)險(xian)一般是單(dan)位或企業給自身的全體職工配置(zhi)的，保(bao)單(dan)只有(you)一張，被保(bao)者(zhe)一般是5人(ren)(ren)以(yi)上。個人(ren)(ren)保(bao)險(xian)是指(zhi)被保(bao)者(zhe)為1人(ren)(ren)的產(chan)品，一般是家庭成(cheng)員配置(zhi)的。

按分紅紅利分類

人身保(bao)(bao)險(xian)可(ke)分(fen)為分(fen)紅(hong)保(bao)(bao)險(xian)和消(xiao)費型保(bao)(bao)險(xian)。分(fen)紅(hong)保(bao)(bao)險(xian)是指保(bao)(bao)險(xian)公司會(hui)把經(jing)營(ying)所得的(de)可(ke)分(fen)配(pei)盈余(yu)按照一定的(de)比(bi)例分(fen)配(pei)給保(bao)(bao)單(dan)持有(you)人的(de)險(xian)種(zhong)。消(xiao)費型保(bao)(bao)險(xian)也即到期若沒有(you)保(bao)(bao)險(xian)事故(gu)發(fa)生的(de)保(bao)(bao)費不返還，只有(you)在保(bao)(bao)障(zhang)期間(jian)內發(fa)生保(bao)(bao)險(xian)事故(gu)才能獲賠。

人壽保險

保障范圍

人(ren)(ren)壽保(bao)(bao)(bao)險(xian)(xian)是人(ren)(ren)身保(bao)(bao)(bao)險(xian)(xian)的(de)一種，以被(bei)(bei)(bei)保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)的(de)壽命為(wei)保(bao)(bao)(bao)險(xian)(xian)標的(de)，且以被(bei)(bei)(bei)保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)的(de)生(sheng)存或死亡(wang)為(wei)給付條件的(de)人(ren)(ren)身保(bao)(bao)(bao)險(xian)(xian)。也就是說(shuo)被(bei)(bei)(bei)保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)發生(sheng)保(bao)(bao)(bao)險(xian)(xian)事故時，保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)會(hui)支付保(bao)(bao)(bao)險(xian)(xian)費。

壽險險種

1、定期人壽：定(ding)期(qi)(qi)人壽(shou)保(bao)險(xian)就(jiu)是約(yue)(yue)定(ding)一個保(bao)險(xian)期(qi)(qi)限，如果(guo)被保(bao)險(xian)人在約(yue)(yue)定(ding)期(qi)(qi)限里(li)死亡(wang)，保(bao)險(xian)公(gong)司會向保(bao)險(xian)受益人賠(pei)付保(bao)險(xian)金(jin)；如果(guo)被保(bao)險(xian)人沒(mei)有在約(yue)(yue)定(ding)期(qi)(qi)限里(li)死亡(wang)，那(nei)么也(ye)就(jiu)這樣了，保(bao)險(xian)公(gong)司既不進行賠(pei)付，也(ye)不退還(huan)保(bao)費。

2、終身人壽：終身(shen)人(ren)壽(shou)保險(xian)是(shi)(shi)在被(bei)保險(xian)人(ren)死(si)亡(wang)之后，保險(xian)公司向保險(xian)受益人(ren)進行(xing)賠付的(de)保險(xian)，但(dan)是(shi)(shi)終身(shen)人(ren)壽(shou)保險(xian)沒有(you)約定(ding)期限。由(you)于人(ren)是(shi)(shi)一定(ding)會死(si)的(de)，所以保險(xian)公司最終一定(ding)會進行(xing)賠付。

3、生存保險：生存保險(xian)要求被保險(xian)人一定要活到(dao)之前(qian)約定的期限(xian)。如果在到(dao)期之前(qian)，被保險(xian)人就死亡了，那么保險(xian)公司既不會進行賠償(chang)，也不會退(tui)回保費。

4、生死兩全：生(sheng)(sheng)死兩(liang)全保(bao)險(xian)(xian)是將定(ding)(ding)期(qi)人(ren)壽(shou)保(bao)險(xian)(xian)和生(sheng)(sheng)存(cun)保(bao)險(xian)(xian)進行組(zu)合之后得到的(de)保(bao)險(xian)(xian)。如果被(bei)保(bao)險(xian)(xian)人(ren)在約(yue)定(ding)(ding)的(de)期(qi)限(xian)里死亡，保(bao)險(xian)(xian)公(gong)司(si)會(hui)(hui)向保(bao)險(xian)(xian)受益人(ren)進行賠(pei)付；如果被(bei)保(bao)險(xian)(xian)人(ren)活到了約(yue)定(ding)(ding)期(qi)限(xian)結束，保(bao)險(xian)(xian)公(gong)司(si)會(hui)(hui)向被(bei)保(bao)險(xian)(xian)人(ren)發放(fang)生(sheng)(sheng)存(cun)金。

5、養老保險：養(yang)老保(bao)(bao)險(xian)是將(jiang)生(sheng)存(cun)保(bao)(bao)險(xian)和死(si)亡保(bao)(bao)險(xian)進行(xing)組合(he)之后得到的(de)(de)保(bao)(bao)險(xian)。不管被保(bao)(bao)險(xian)人在約定期限(xian)里是死(si)是活，保(bao)(bao)險(xian)公司都(dou)會進行(xing)相應(ying)的(de)(de)賠付。

壽險多少歲不能買

每種(zhong)險種(zhong)都(dou)有自己的投保規(gui)(gui)則，對于年齡(ling)的限制，都(dou)不(bu)一樣。一般情(qing)況下(xia)，對于壽險規(gui)(gui)劃，60歲，基本就(jiu)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

保障的(de)(de)內容主要(yao)有兩種，一(yi)種是因疾(ji)病或(huo)意(yi)外(wai)保險事故而產生的(de)(de)醫(yi)療費用，一(yi)類是因疾(ji)病或(huo)意(yi)外(wai)保險事故而產生的(de)(de)其他損失。

健康險險種分類

分(fen)為醫療保(bao)險(xian)(xian)、疾(ji)病保(bao)險(xian)(xian)、收(shou)入(ru)保(bao)障線、護理保(bao)險(xian)(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(si)亡(wang)給付：被(bei)保險(xian)(xian)人遭受意外傷害(hai)造成死(si)亡(wang)時，保險(xian)(xian)人給付死(si)亡(wang)保險(xian)(xian)金。

2、殘(can)廢給付：被保險人(ren)因遭受意外傷(shang)害造成殘(can)廢時，保險人(ren)按照(zhao)傷(shang)殘(can)等級支(zhi)付不同的保險金。

3、醫療給付(fu)：被(bei)保險人因(yin)遭受(shou)意(yi)外傷害支出醫療費時，保險人根據實際情況酌情給付(fu)。

4、停工給付：被保(bao)險(xian)人因意外傷害暫時(shi)喪失(shi)勞動(dong)能(neng)力，不能(neng)工作時(shi)，保(bao)險(xian)人給付停工保(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

企業財(cai)(cai)產(chan)按是否可(ke)保的標(biao)準可(ke)以分為(wei)三類，即可(ke)保財(cai)(cai)產(chan)、特約可(ke)保財(cai)(cai)產(chan)和不保財(cai)(cai)產(chan)。

費率一般多少

投保財產險(xian)需要提供“資產負債表(biao)”，根據財產總(zong)額和(he)投保對象再(zai)測算(suan)出保費(fei)。基本險(xian)、財產綜合險(xian)、財產一切(qie)險(xian)的費(fei)率(lv)由底(di)到(dao)高，平均(jun)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(de)保險(xian)(xian)金額等于或(huo)高于保險(xian)(xian)價(jia)值(zhi)時，其賠(pei)(pei)償金額以不超過保險(xian)(xian)價(jia)值(zhi)為(wei)限;保險(xian)(xian)金額低于保險(xian)(xian)價(jia)值(zhi)時，按保險(xian)(xian)金額賠(pei)(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)險金額由被保(bao)險人根據保(bao)險財(cai)產的(de)實際價值(zhi)確定，并(bing)且(qie)按照(zhao)保(bao)險單上規定的(de)保(bao)險財(cai)產項目分別列(lie)明。

保險范圍包括哪些

1、可保財產：自有居住房屋；室內(nei)裝(zhuang)修、裝(zhuang)飾及附屬設施；室內(nei)家庭財產。

2、特保財產：

（1）農(nong)村家庭存放(fang)在(zai)院(yuan)內的(de)非動(dong)力農(nong)機(ji)具、農(nong)用工具和已收獲的(de)農(nong)副產(chan)品(pin)

（2）個(ge)體勞動者存放在室(shi)內的營業器(qi)具、工(gong)具、原材(cai)料和商品

（3）代他(ta)人保管的財(cai)產(chan)或與(yu)他(ta)人共有(you)的財(cai)產(chan)

（4）須與保險人特(te)別約(yue)定才能投保的財產

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)(bao)險(xian)(xian)(xian)（又稱“法定保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)”）是由國(guo)家（政(zheng)府）通過法律(lv)或行政(zheng)手段強(qiang)制(zhi)實施的一種(zhong)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。強(qiang)制(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)關系(xi)雖然(ran)也是產生于投保(bao)(bao)(bao)(bao)人(ren)與(yu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)之間的合同行為，但是，合同的訂(ding)立受制(zhi)于國(guo)家或政(zheng)府的法律(lv)規定。強(qiang)制(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的實施方式有兩種(zhong)選擇(ze)：—是保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標的與(yu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)均由法律(lv)限(xian)定；二是保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標的由法律(lv)限(xian)定，但投保(bao)(bao)(bao)(bao)人(ren)可以(yi)自由選擇(ze)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)，如機動車交通事故責任強(qiang)制(zhi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。

自愿保險

自(zi)愿(yuan)保險是在自(zi)愿(yuan)原則下，投保人(ren)(ren)(ren)(ren)與(yu)保險人(ren)(ren)(ren)(ren)雙方在平等的(de)基礎上，通過(guo)訂立保險合同而建立的(de)保險關系。自(zi)愿(yuan)保險的(de)保險關系，是當事人(ren)(ren)(ren)(ren)之間(jian)自(zi)由決定、彼此合意后所建立的(de)合同關系。投保人(ren)(ren)(ren)(ren)可(ke)以自(zi)由決定是否(fou)投保、向(xiang)誰投保、中途退保等，也可(ke)以自(zi)由選(xuan)擇保險金額、保障范圍(wei)、保障程度和保險期限等；保險人(ren)(ren)(ren)(ren)也可(ke)以根據情況自(zi)愿(yuan)決定是否(fou)承保、怎樣承保等。

商業保險按承保方式(shi)分(fen)類

按承保方式(shi)分類，可(ke)將保險(xian)分為原保險(xian)、再保險(xian)、共同保險(xian)和重復保險(xian)。

原保險

原保(bao)(bao)險(xian)(xian)是(shi)保(bao)(bao)險(xian)(xian)人與投保(bao)(bao)人之間直(zhi)接簽訂(ding)保(bao)(bao)險(xian)(xian)合同而建立保(bao)(bao)險(xian)(xian)關系的(de)一種保(bao)(bao)險(xian)(xian)。在(zai)原保(bao)(bao)險(xian)(xian)關系中，保(bao)(bao)險(xian)(xian)需求(qiu)者將其風(feng)險(xian)(xian)轉嫁給保(bao)(bao)險(xian)(xian)人，當保(bao)(bao)險(xian)(xian)標的(de)遭受保(bao)(bao)險(xian)(xian)責任范(fan)圍內的(de)損失時，保(bao)(bao)險(xian)(xian)人直(zhi)接對被保(bao)(bao)險(xian)(xian)人承(cheng)擔(dan)賠償或給付(fu)責任。

再保險

再保險(xian)(xian)（也稱“分保”）是(shi)保險(xian)(xian)人(ren)(ren)將其所(suo)承(cheng)保的(de)風險(xian)(xian)和責任的(de)一(yi)部(bu)(bu)分或全部(bu)(bu)轉(zhuan)(zhuan)移給其他保險(xian)(xian)人(ren)(ren)的(de)一(yi)種保險(xian)(xian)。分出業務的(de)是(shi)再保險(xian)(xian)分出人(ren)(ren)，接(jie)(jie)受分保業務的(de)是(shi)再保險(xian)(xian)接(jie)(jie)受人(ren)(ren)。這種風險(xian)(xian)轉(zhuan)(zhuan)嫁方式(shi)是(shi)保險(xian)(xian)人(ren)(ren)對原始風險(xian)(xian)的(de)縱(zong)向轉(zhuan)(zhuan)嫁，即第二次風險(xian)(xian)轉(zhuan)(zhuan)嫁。

共同保險

共(gong)同(tong)(tong)(tong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)（也(ye)稱“共(gong)保(bao)(bao)(bao)”）是(shi)(shi)由幾個(ge)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)聯合(he)直接承保(bao)(bao)(bao)同(tong)(tong)(tong)一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)(de)、同(tong)(tong)(tong)一(yi)(yi)風(feng)(feng)險(xian)(xian)(xian)(xian)、同(tong)(tong)(tong)一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)利益(yi)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。共(gong)同(tong)(tong)(tong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)各(ge)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)承保(bao)(bao)(bao)金(jin)額的(de)(de)總和不(bu)超過(guo)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)(de)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)價(jia)值。在保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)實務中(zhong)，可能是(shi)(shi)多個(ge)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)分別與(yu)投保(bao)(bao)(bao)人(ren)(ren)(ren)(ren)簽訂保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同(tong)(tong)(tong)，也(ye)可能是(shi)(shi)多個(ge)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)以某一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的(de)(de)名義簽發(fa)一(yi)(yi)份保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同(tong)(tong)(tong)。與(yu)再保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)不(bu)同(tong)(tong)(tong)，這(zhe)種風(feng)(feng)險(xian)(xian)(xian)(xian)轉嫁方式是(shi)(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)對原始風(feng)(feng)險(xian)(xian)(xian)(xian)的(de)(de)橫(heng)向轉嫁，它仍(reng)屬于風(feng)(feng)險(xian)(xian)(xian)(xian)的(de)(de)第一(yi)(yi)次(ci)轉嫁。

重復保險

重復(fu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)是指(zhi)投保(bao)(bao)(bao)(bao)(bao)人以同(tong)一保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)標的、同(tong)一保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)利(li)益、同(tong)一保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)事(shi)故分(fen)別與兩個或兩個以上(shang)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人訂立保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合同(tong)，且保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)金(jin)額總(zong)和超過保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)價值的保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)。與共同(tong)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)相(xiang)同(tong)，重復(fu)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)也(ye)是投保(bao)(bao)(bao)(bao)(bao)人對原始風險(xian)(xian)的橫向轉(zhuan)嫁，也(ye)屬(shu)于風險(xian)(xian)的第(di)一次轉(zhuan)嫁。

商業按保險經營性質分

商業性保險

商(shang)業(ye)保險(xian)(xian)指保險(xian)(xian)公司所經營(ying)的各(ge)類(lei)保險(xian)(xian)業(ye)務。商(shang)業(ye)保險(xian)(xian)以(yi)盈利為(wei)目(mu)標，進行獨立(li)經濟核算。

政策性保險

常見(jian)的政策(ce)性保(bao)(bao)(bao)險(xian)有出口信用保(bao)(bao)(bao)險(xian)、投資(zi)保(bao)(bao)(bao)險(xian)和農為保(bao)(bao)(bao)險(xian)等。與此相比，商業(ye)(ye)保(bao)(bao)(bao)險(xian)由(you)以盈(ying)利(li)為目的的商業(ye)(ye)保(bao)(bao)(bao)險(xian)公司舉辦(ban)，它(ta)們(men)自(zi)主經營、獨立(li)核算、自(zi)負盈(ying)虧，由(you)于利(li)潤最大化的考慮、通常不會(hui)經營政策(ce)性保(bao)(bao)(bao)險(xian)。