一、財產保險和人身保險分別的定義是什么

1、財產保險

財產(chan)(chan)(chan)保(bao)(bao)險(xian)有(you)廣(guang)(guang)義(yi)與(yu)狹義(yi)之分。廣(guang)(guang)義(yi)財產(chan)(chan)(chan)保(bao)(bao)險(xian)是(shi)指以財產(chan)(chan)(chan)及其有(you)關的(de)(de)經(jing)濟(ji)利益和損害賠(pei)償責任為(wei)保(bao)(bao)險(xian)標(biao)的(de)(de)的(de)(de)保(bao)(bao)險(xian)；狹義(yi)財產(chan)(chan)(chan)保(bao)(bao)險(xian)則是(shi)指以物質財產(chan)(chan)(chan)為(wei)保(bao)(bao)險(xian)標(biao)的(de)(de)的(de)(de)保(bao)(bao)險(xian)。在保(bao)(bao)險(xian)實務中，后者一般(ban)稱為(wei)財產(chan)(chan)(chan)損失保(bao)(bao)險(xian)。

《中華人民共和(he)國保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)法》第九(jiu)十五條規定，財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)業(ye)務，包(bao)括財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)損失保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)、責(ze)任(ren)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)、信(xin)用(yong)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)、保(bao)(bao)(bao)(bao)(bao)(bao)證保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)等(deng)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)業(ye)務。可保(bao)(bao)(bao)(bao)(bao)(bao)財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)，包(bao)括物質形態(tai)和(he)非物質形態(tai)的(de)(de)(de)財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)及(ji)(ji)(ji)其有關(guan)利(li)益。以物質形態(tai)的(de)(de)(de)財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)及(ji)(ji)(ji)其相(xiang)關(guan)利(li)益作(zuo)為保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)標(biao)的(de)(de)(de)的(de)(de)(de)，通常稱(cheng)為財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)損失保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)。例如，飛機、衛星、電廠(chang)、大(da)型工程(cheng)、汽車、船舶、廠(chang)房、設備以及(ji)(ji)(ji)家庭財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)等(deng)。以非物質形態(tai)的(de)(de)(de)財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)及(ji)(ji)(ji)其相(xiang)關(guan)利(li)益作(zuo)為保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)標(biao)的(de)(de)(de)的(de)(de)(de)，通常是指各種責(ze)任(ren)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)、信(xin)用(yong)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)等(deng)。例如，公眾責(ze)任(ren)、產(chan)(chan)(chan)品(pin)責(ze)任(ren)、雇主責(ze)任(ren)、職(zhi)業(ye)責(ze)任(ren)、出(chu)口信(xin)用(yong)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)、投資風險(xian)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)等(deng)。但(dan)是，并(bing)非所有的(de)(de)(de)財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)及(ji)(ji)(ji)其相(xiang)關(guan)利(li)益都可以作(zuo)為財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)的(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)標(biao)的(de)(de)(de)。只有根據(ju)法律規定，符(fu)合(he)財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)合(he)同要求的(de)(de)(de)財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)及(ji)(ji)(ji)其相(xiang)關(guan)利(li)益，才能成為財(cai)(cai)(cai)(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)的(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)標(biao)的(de)(de)(de)。

2、人身保險

人身(shen)保(bao)(bao)險(xian)(xian)，是以人的(de)壽命和(he)身(shen)體為保(bao)(bao)險(xian)(xian)標(biao)的(de)的(de)保(bao)(bao)險(xian)(xian)。當人們(men)遭受(shou)(shou)不幸(xing)(xing)事(shi)故(gu)或因疾病、年(nian)老以致(zhi)喪失(shi)工(gong)作能力、傷殘(can)、死亡或年(nian)老退休(xiu)時(shi)，根據保(bao)(bao)險(xian)(xian)合同的(de)約定(ding)，保(bao)(bao)險(xian)(xian)人對被保(bao)(bao)險(xian)(xian)人或受(shou)(shou)益人給付保(bao)(bao)險(xian)(xian)金，以解決其因病、殘(can)、老、死所造(zao)成(cheng)的(de)經(jing)濟困難(nan)。人身(shen)保(bao)(bao)險(xian)(xian)是在社會(hui)主(zhu)義制度下，人身(shen)保(bao)(bao)險(xian)(xian)是勞(lao)動(dong)者在遇有不幸(xing)(xing)事(shi)故(gu)，喪失(shi)勞(lao)動(dong)能力或家(jia)庭扶(fu)養(yang)人死亡時(shi)得到(dao)物質保(bao)(bao)證(zheng)的(de)形(xing)式(shi)之一。

國家統一使(shi)用的(de)人(ren)身保(bao)(bao)險(xian)(xian)(xian)基(ji)金，是(shi)靠投保(bao)(bao)人(ren)的(de)按(an)期(qi)繳款建立的(de)。人(ren)身保(bao)(bao)險(xian)(xian)(xian)也是(shi)組織居民儲蓄(xu)的(de)一種特殊(shu)形(xing)式，在投保(bao)(bao)人(ren)達到保(bao)(bao)險(xian)(xian)(xian)契約(yue)所(suo)定(ding)的(de)年齡時，國家給(gei)他(ta)一定(ding)金額的(de)款項(xiang)等等。人(ren)身保(bao)(bao)險(xian)(xian)(xian)按(an)照(zhao)保(bao)(bao)險(xian)(xian)(xian)形(xing)式，可(ke)以分為自愿保(bao)(bao)險(xian)(xian)(xian)和強制保(bao)(bao)險(xian)(xian)(xian)；按(an)照(zhao)人(ren)身發生危險(xian)(xian)(xian)的(de)性(xing)質，可(ke)以分為人(ren)壽(shou)保(bao)(bao)險(xian)(xian)(xian)和意外(wai)傷害保(bao)(bao)險(xian)(xian)(xian)。

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(shen)保(bao)險的(de)保(bao)險標的(de)是(shi)人的(de)壽命和身(shen)體。當遭受(shou)不(bu)幸事故或因疾病、年老以致喪(sang)失工作能力、傷殘、死亡(wang)或年老退(tui)休時，會給(gei)付相應的(de)保(bao)險金。

財(cai)產保(bao)險(xian)(xian)(xian)的(de)保(bao)險(xian)(xian)(xian)標的(de)是財(cai)產及其相(xiang)關利益，包(bao)括財(cai)產損失保(bao)險(xian)(xian)(xian)、責任保(bao)險(xian)(xian)(xian)、信用保(bao)險(xian)(xian)(xian)、保(bao)證保(bao)險(xian)(xian)(xian)、農業保(bao)險(xian)(xian)(xian)等(deng)。

2、保額確定方式不同

人(ren)身保(bao)險(xian)(xian)是以投保(bao)人(ren)根據自己的經濟狀況(kuang)、工作性質(zhi)來(lai)確定(ding)保(bao)險(xian)(xian)金(jin)額的；財產保(bao)險(xian)(xian)是根據保(bao)險(xian)(xian)標的實際(ji)價值來(lai)確定(ding)的，屬于(yu)補償性保(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)(nian)及1年(nian)(nian)以內）。財產保(bao)(bao)險計算(suan)保(bao)(bao)費時(shi)一般不考慮利率因素。

4、保險性質不同

對(dui)于某些人身保(bao)(bao)險(xian)(xian)險(xian)(xian)種來(lai)說(shuo)具(ju)有(you)一定的(de)儲(chu)蓄(xu)性，保(bao)(bao)單在經過一定的(de)時間后，具(ju)有(you)現金(jin)價值，投保(bao)(bao)人或被保(bao)(bao)險(xian)(xian)人享(xiang)有(you)保(bao)(bao)單抵押貸款等一系(xi)列權利(li)，而(er)財產保(bao)(bao)險(xian)(xian)一般不具(ju)有(you)。

人(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)與財產保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的(de)區別有(you)哪些，大(da)致可(ke)以(yi)分為(wei)以(yi)上四種，對于(yu)人(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)來說(shuo)還(huan)有(you)一些其(qi)他(ta)的(de)性質是財產險(xian)(xian)(xian)不具有(you)的(de)。比如代位求償(chang)，當損(sun)(sun)失由第三方(fang)造成時，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)在(zai)履(lv)行賠(pei)償(chang)義務后，可(ke)以(yi)向第三方(fang)責任人(ren)追償(chang)損(sun)(sun)失，但是被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)可(ke)以(yi)；在(zai)人(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)中，投保(bao)(bao)(bao)(bao)人(ren)在(zai)遭(zao)受(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)事(shi)故受(shou)到傷害后，既(ji)能從保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司獲得保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金，又能從致害人(ren)那里獲得賠(pei)償(chang)，但保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)沒(mei)有(you)從肇事(shi)者處索(suo)取賠(pei)償(chang)的(de)權利。

單從(cong)字面來看的(de)話(hua)，人身保(bao)(bao)險與財產保(bao)(bao)險的(de)區別在承保(bao)(bao)的(de)對象上就(jiu)有(you)本質(zhi)的(de)區別，人身保(bao)(bao)險主要承保(bao)(bao)的(de)是“人”一(yi)般(ban)不涉及(ji)“物”；財產保(bao)(bao)險承保(bao)(bao)的(de)不僅有(you)“物”還會涉及(ji)到(dao)“人”的(de)問題。

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