一、財產保險和人身保險分別的定義是什么

1、財產保險

財(cai)產(chan)(chan)保(bao)(bao)(bao)險(xian)有廣義與(yu)狹(xia)義之(zhi)分。廣義財(cai)產(chan)(chan)保(bao)(bao)(bao)險(xian)是指以(yi)財(cai)產(chan)(chan)及其有關的(de)經濟利益和損害賠(pei)償(chang)責任為(wei)保(bao)(bao)(bao)險(xian)標的(de)的(de)保(bao)(bao)(bao)險(xian)；狹(xia)義財(cai)產(chan)(chan)保(bao)(bao)(bao)險(xian)則是指以(yi)物質財(cai)產(chan)(chan)為(wei)保(bao)(bao)(bao)險(xian)標的(de)的(de)保(bao)(bao)(bao)險(xian)。在保(bao)(bao)(bao)險(xian)實務中(zhong)，后者(zhe)一般稱(cheng)為(wei)財(cai)產(chan)(chan)損失保(bao)(bao)(bao)險(xian)。

《中華人民共和(he)國(guo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)法》第九十五條規(gui)定，財(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業務，包括財(cai)產(chan)(chan)(chan)損失保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、責(ze)任(ren)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、信(xin)用保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)等(deng)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業務。可保(bao)(bao)(bao)(bao)財(cai)產(chan)(chan)(chan)，包括物(wu)質形態(tai)和(he)非(fei)物(wu)質形態(tai)的(de)(de)財(cai)產(chan)(chan)(chan)及(ji)其(qi)有關利(li)益(yi)(yi)。以(yi)物(wu)質形態(tai)的(de)(de)財(cai)產(chan)(chan)(chan)及(ji)其(qi)相(xiang)關利(li)益(yi)(yi)作(zuo)為(wei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標的(de)(de)的(de)(de)，通常稱為(wei)財(cai)產(chan)(chan)(chan)損失保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)。例(li)如(ru)，飛機、衛星、電廠(chang)、大型工程、汽車、船舶、廠(chang)房(fang)、設備(bei)以(yi)及(ji)家庭財(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)等(deng)。以(yi)非(fei)物(wu)質形態(tai)的(de)(de)財(cai)產(chan)(chan)(chan)及(ji)其(qi)相(xiang)關利(li)益(yi)(yi)作(zuo)為(wei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標的(de)(de)的(de)(de)，通常是指各種(zhong)責(ze)任(ren)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、信(xin)用保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)等(deng)。例(li)如(ru)，公(gong)眾責(ze)任(ren)、產(chan)(chan)(chan)品責(ze)任(ren)、雇主責(ze)任(ren)、職業責(ze)任(ren)、出口信(xin)用保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、投資風險(xian)(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)等(deng)。但是，并非(fei)所有的(de)(de)財(cai)產(chan)(chan)(chan)及(ji)其(qi)相(xiang)關利(li)益(yi)(yi)都可以(yi)作(zuo)為(wei)財(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標的(de)(de)。只有根據法律(lv)規(gui)定，符合財(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合同要求的(de)(de)財(cai)產(chan)(chan)(chan)及(ji)其(qi)相(xiang)關利(li)益(yi)(yi)，才能(neng)成為(wei)財(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標的(de)(de)。

2、人身保險

人(ren)(ren)(ren)(ren)身保(bao)(bao)險(xian)，是(shi)以(yi)人(ren)(ren)(ren)(ren)的(de)(de)壽命和身體為保(bao)(bao)險(xian)標的(de)(de)的(de)(de)保(bao)(bao)險(xian)。當人(ren)(ren)(ren)(ren)們遭受不幸(xing)事故或因疾病(bing)(bing)、年老(lao)以(yi)致(zhi)喪失(shi)工作能力(li)、傷殘、死亡或年老(lao)退休時(shi)，根據保(bao)(bao)險(xian)合(he)同(tong)的(de)(de)約(yue)定，保(bao)(bao)險(xian)人(ren)(ren)(ren)(ren)對被保(bao)(bao)險(xian)人(ren)(ren)(ren)(ren)或受益人(ren)(ren)(ren)(ren)給付保(bao)(bao)險(xian)金，以(yi)解決(jue)其(qi)因病(bing)(bing)、殘、老(lao)、死所(suo)造成的(de)(de)經(jing)濟(ji)困難。人(ren)(ren)(ren)(ren)身保(bao)(bao)險(xian)是(shi)在社會主義(yi)制(zhi)度下，人(ren)(ren)(ren)(ren)身保(bao)(bao)險(xian)是(shi)勞(lao)動(dong)者在遇有(you)不幸(xing)事故，喪失(shi)勞(lao)動(dong)能力(li)或家庭(ting)扶養人(ren)(ren)(ren)(ren)死亡時(shi)得(de)到物質(zhi)保(bao)(bao)證的(de)(de)形式(shi)之一。

國(guo)家(jia)統(tong)一使(shi)用的(de)人(ren)(ren)身保(bao)(bao)險基金(jin)，是(shi)(shi)靠投保(bao)(bao)人(ren)(ren)的(de)按(an)期繳(jiao)款建立的(de)。人(ren)(ren)身保(bao)(bao)險也是(shi)(shi)組織(zhi)居(ju)民儲蓄(xu)的(de)一種特(te)殊(shu)形(xing)式，在投保(bao)(bao)人(ren)(ren)達到保(bao)(bao)險契約所定(ding)的(de)年齡(ling)時，國(guo)家(jia)給他一定(ding)金(jin)額(e)的(de)款項等等。人(ren)(ren)身保(bao)(bao)險按(an)照保(bao)(bao)險形(xing)式，可以(yi)分為(wei)自愿保(bao)(bao)險和強制(zhi)保(bao)(bao)險；按(an)照人(ren)(ren)身發(fa)生(sheng)危險的(de)性質，可以(yi)分為(wei)人(ren)(ren)壽保(bao)(bao)險和意外傷害保(bao)(bao)險。

二、財產保險與人身保險有什么區別

1、保險標的（也稱保險對象）不同

人身保(bao)險(xian)的(de)保(bao)險(xian)標的(de)是人的(de)壽命和身體。當遭受不幸事故或因疾病、年(nian)老(lao)以致喪失工作(zuo)能力、傷殘、死亡或年(nian)老(lao)退(tui)休(xiu)時，會(hui)給付(fu)相應的(de)保(bao)險(xian)金。

財產保(bao)(bao)(bao)(bao)險(xian)的保(bao)(bao)(bao)(bao)險(xian)標的是財產及其相關利益(yi)，包(bao)括財產損失保(bao)(bao)(bao)(bao)險(xian)、責任(ren)保(bao)(bao)(bao)(bao)險(xian)、信用保(bao)(bao)(bao)(bao)險(xian)、保(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)險(xian)、農業(ye)保(bao)(bao)(bao)(bao)險(xian)等。

2、保額確定方式不同

人身保(bao)險(xian)(xian)是(shi)以投保(bao)人根據自己的(de)(de)經濟狀(zhuang)況(kuang)、工(gong)作性質(zhi)來確定保(bao)險(xian)(xian)金額(e)的(de)(de)；財產保(bao)險(xian)(xian)是(shi)根據保(bao)險(xian)(xian)標的(de)(de)實際價值來確定的(de)(de)，屬于補償(chang)性保(bao)險(xian)(xian)。

3、保險期限不同

一般來說人身保險的保險期限都在1年以上，保險期限較長，計算保費時會考慮利率等因素；財產保險多為短期（1年(nian)及(ji)1年(nian)以內(nei)）。財產保(bao)險(xian)計算保(bao)費(fei)時一(yi)般不考慮利率(lv)因素(su)。

4、保險性質不同

對(dui)于某(mou)些人(ren)(ren)身保(bao)險(xian)(xian)險(xian)(xian)種來說具有(you)一定的(de)儲(chu)蓄性，保(bao)單在(zai)經過一定的(de)時(shi)間(jian)后，具有(you)現(xian)金價(jia)值，投(tou)保(bao)人(ren)(ren)或被(bei)保(bao)險(xian)(xian)人(ren)(ren)享有(you)保(bao)單抵押貸款等一系列權利，而財產保(bao)險(xian)(xian)一般不具有(you)。

人(ren)(ren)身(shen)(shen)保(bao)險(xian)(xian)與(yu)財產(chan)(chan)保(bao)險(xian)(xian)的區別有哪些，大致(zhi)可(ke)以(yi)分(fen)為以(yi)上四種(zhong)，對于人(ren)(ren)身(shen)(shen)保(bao)險(xian)(xian)來說(shuo)還有一些其(qi)他的性質是財產(chan)(chan)險(xian)(xian)不具(ju)有的。比如(ru)代位求(qiu)償(chang)，當(dang)損(sun)失(shi)(shi)由第三方造成(cheng)時，保(bao)險(xian)(xian)人(ren)(ren)在履行賠(pei)償(chang)義務后，可(ke)以(yi)向(xiang)第三方責任人(ren)(ren)追償(chang)損(sun)失(shi)(shi)，但(dan)是被保(bao)險(xian)(xian)人(ren)(ren)可(ke)以(yi)；在人(ren)(ren)身(shen)(shen)保(bao)險(xian)(xian)中，投保(bao)人(ren)(ren)在遭受(shou)保(bao)險(xian)(xian)事(shi)故(gu)受(shou)到(dao)傷害后，既能從保(bao)險(xian)(xian)公司獲得(de)保(bao)險(xian)(xian)金，又(you)能從致(zhi)害人(ren)(ren)那里獲得(de)賠(pei)償(chang)，但(dan)保(bao)險(xian)(xian)人(ren)(ren)沒有從肇事(shi)者(zhe)處索取賠(pei)償(chang)的權利。

單從字面來看的(de)話(hua)，人(ren)身保(bao)險(xian)與財(cai)產保(bao)險(xian)的(de)區別在承(cheng)保(bao)的(de)對象(xiang)上就有本質的(de)區別，人(ren)身保(bao)險(xian)主要(yao)承(cheng)保(bao)的(de)是(shi)“人(ren)”一般不(bu)涉及“物”；財(cai)產保(bao)險(xian)承(cheng)保(bao)的(de)不(bu)僅有“物”還會(hui)涉及到“人(ren)”的(de)問題。

聲明：以上內容源于程序系統索引或網民分享提供，僅供您參考使用，不代表本網站的研究觀點，請注意甄別內容來源的真實性和權威性。申請刪除>> 糾錯>>