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)(cai)產保(bao)險(xian)(xian)(xian)(xian)有(you)廣義與狹義之分。廣義財(cai)(cai)產保(bao)險(xian)(xian)(xian)(xian)是指(zhi)以財(cai)(cai)產及其有(you)關的(de)(de)(de)經濟利(li)益和損(sun)害賠償責(ze)任為保(bao)險(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)的(de)(de)(de)保(bao)險(xian)(xian)(xian)(xian)；狹義財(cai)(cai)產保(bao)險(xian)(xian)(xian)(xian)則是指(zhi)以物質財(cai)(cai)產為保(bao)險(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)的(de)(de)(de)保(bao)險(xian)(xian)(xian)(xian)。在保(bao)險(xian)(xian)(xian)(xian)實務中(zhong)，后者(zhe)一(yi)般(ban)稱(cheng)為財(cai)(cai)產損(sun)失(shi)保(bao)險(xian)(xian)(xian)(xian)。

《中華(hua)人民共和國保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)法(fa)》第九十(shi)五條規定(ding)，財(cai)(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)(ye)務，包括財(cai)(cai)產(chan)(chan)(chan)損失保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、責(ze)任保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、信用(yong)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、保(bao)(bao)(bao)(bao)(bao)證(zheng)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業(ye)(ye)務。可(ke)保(bao)(bao)(bao)(bao)(bao)財(cai)(cai)產(chan)(chan)(chan)，包括物(wu)質(zhi)形態(tai)和非(fei)物(wu)質(zhi)形態(tai)的(de)(de)(de)財(cai)(cai)產(chan)(chan)(chan)及(ji)(ji)其(qi)有關(guan)利(li)益。以(yi)(yi)物(wu)質(zhi)形態(tai)的(de)(de)(de)財(cai)(cai)產(chan)(chan)(chan)及(ji)(ji)其(qi)相(xiang)關(guan)利(li)益作為保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)的(de)(de)(de)，通常稱為財(cai)(cai)產(chan)(chan)(chan)損失保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。例(li)如(ru)，飛(fei)機、衛星(xing)、電廠、大(da)型(xing)工程、汽車、船舶、廠房(fang)、設備以(yi)(yi)及(ji)(ji)家庭財(cai)(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等。以(yi)(yi)非(fei)物(wu)質(zhi)形態(tai)的(de)(de)(de)財(cai)(cai)產(chan)(chan)(chan)及(ji)(ji)其(qi)相(xiang)關(guan)利(li)益作為保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)的(de)(de)(de)，通常是指各(ge)種責(ze)任保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、信用(yong)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等。例(li)如(ru)，公眾責(ze)任、產(chan)(chan)(chan)品(pin)責(ze)任、雇主責(ze)任、職(zhi)業(ye)(ye)責(ze)任、出口信用(yong)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)、投資風(feng)險(xian)(xian)(xian)(xian)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)等。但是，并非(fei)所有的(de)(de)(de)財(cai)(cai)產(chan)(chan)(chan)及(ji)(ji)其(qi)相(xiang)關(guan)利(li)益都可(ke)以(yi)(yi)作為財(cai)(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)。只有根據法(fa)律規定(ding)，符合(he)財(cai)(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合(he)同要求的(de)(de)(de)財(cai)(cai)產(chan)(chan)(chan)及(ji)(ji)其(qi)相(xiang)關(guan)利(li)益，才能成(cheng)為財(cai)(cai)產(chan)(chan)(chan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)。

2、人身保險

人(ren)(ren)(ren)身保(bao)(bao)險(xian)，是(shi)以人(ren)(ren)(ren)的(de)壽(shou)命和(he)身體為保(bao)(bao)險(xian)標的(de)的(de)保(bao)(bao)險(xian)。當人(ren)(ren)(ren)們遭受不幸事(shi)故或(huo)因疾病、年老(lao)以致喪失工作能力、傷殘、死亡或(huo)年老(lao)退休時，根據保(bao)(bao)險(xian)合同的(de)約定，保(bao)(bao)險(xian)人(ren)(ren)(ren)對被保(bao)(bao)險(xian)人(ren)(ren)(ren)或(huo)受益(yi)人(ren)(ren)(ren)給(gei)付保(bao)(bao)險(xian)金(jin)，以解(jie)決其因病、殘、老(lao)、死所造(zao)成(cheng)的(de)經(jing)濟困(kun)難。人(ren)(ren)(ren)身保(bao)(bao)險(xian)是(shi)在(zai)(zai)社會主義制度(du)下，人(ren)(ren)(ren)身保(bao)(bao)險(xian)是(shi)勞動(dong)(dong)者在(zai)(zai)遇有(you)不幸事(shi)故，喪失勞動(dong)(dong)能力或(huo)家(jia)庭扶養人(ren)(ren)(ren)死亡時得(de)到(dao)物質保(bao)(bao)證的(de)形式之(zhi)一(yi)。

國家統一使用(yong)的(de)人身(shen)保(bao)(bao)險(xian)(xian)基金(jin)(jin)，是靠投保(bao)(bao)人的(de)按期繳(jiao)款(kuan)建立(li)的(de)。人身(shen)保(bao)(bao)險(xian)(xian)也是組織居民儲蓄的(de)一種特殊(shu)形式，在投保(bao)(bao)人達到保(bao)(bao)險(xian)(xian)契約所定的(de)年齡時，國家給他一定金(jin)(jin)額的(de)款(kuan)項(xiang)等等。人身(shen)保(bao)(bao)險(xian)(xian)按照保(bao)(bao)險(xian)(xian)形式，可(ke)以(yi)(yi)分為自愿保(bao)(bao)險(xian)(xian)和強制(zhi)保(bao)(bao)險(xian)(xian)；按照人身(shen)發生(sheng)危險(xian)(xian)的(de)性質，可(ke)以(yi)(yi)分為人壽保(bao)(bao)險(xian)(xian)和意(yi)外傷害(hai)保(bao)(bao)險(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

人身保險的(de)保險標(biao)的(de)是人的(de)壽命和身體。當遭(zao)受不(bu)幸事故或因疾病(bing)、年老(lao)以致喪失(shi)工作能力、傷殘、死亡或年老(lao)退休(xiu)時，會給付相(xiang)應(ying)的(de)保險金。

財(cai)產保(bao)(bao)(bao)險(xian)(xian)(xian)的保(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的是財(cai)產及(ji)其相關利(li)益，包(bao)括財(cai)產損失保(bao)(bao)(bao)險(xian)(xian)(xian)、責(ze)任保(bao)(bao)(bao)險(xian)(xian)(xian)、信用保(bao)(bao)(bao)險(xian)(xian)(xian)、保(bao)(bao)(bao)證保(bao)(bao)(bao)險(xian)(xian)(xian)、農業(ye)保(bao)(bao)(bao)險(xian)(xian)(xian)等。

2、保額確定方式不同

人身保(bao)險(xian)是以投保(bao)人根據自己的經濟狀況、工作性(xing)質來確(que)定(ding)保(bao)險(xian)金(jin)額(e)的；財(cai)產保(bao)險(xian)是根據保(bao)險(xian)標的實(shi)際價值(zhi)來確(que)定(ding)的，屬于補償性(xing)保(bao)險(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(wei)短期(qi)（1年及(ji)1年以(yi)內）。財產(chan)保(bao)險計算保(bao)費時一般不(bu)考慮利率因素。

4、保險性質不同

對于某些人身保(bao)(bao)(bao)險險種來說具有(you)(you)一定的儲蓄性，保(bao)(bao)(bao)單在(zai)經過(guo)一定的時間后，具有(you)(you)現金(jin)價值，投保(bao)(bao)(bao)人或被保(bao)(bao)(bao)險人享有(you)(you)保(bao)(bao)(bao)單抵押(ya)貸款(kuan)等一系列權(quan)利，而財產保(bao)(bao)(bao)險一般不具有(you)(you)。

人(ren)(ren)身(shen)保(bao)險(xian)與財(cai)產(chan)保(bao)險(xian)的區別有(you)哪些，大致(zhi)可(ke)以分為以上四(si)種(zhong)，對于(yu)人(ren)(ren)身(shen)保(bao)險(xian)來說還有(you)一(yi)些其他的性質(zhi)是財(cai)產(chan)險(xian)不具有(you)的。比如(ru)代位求償(chang)(chang)，當損(sun)失由第三(san)(san)方造成時，保(bao)險(xian)人(ren)(ren)在(zai)履行賠(pei)(pei)償(chang)(chang)義(yi)務(wu)后，可(ke)以向(xiang)第三(san)(san)方責任人(ren)(ren)追(zhui)償(chang)(chang)損(sun)失，但是被保(bao)險(xian)人(ren)(ren)可(ke)以；在(zai)人(ren)(ren)身(shen)保(bao)險(xian)中，投(tou)保(bao)人(ren)(ren)在(zai)遭受保(bao)險(xian)事故受到傷害(hai)后，既(ji)能從保(bao)險(xian)公司獲(huo)得(de)保(bao)險(xian)金，又能從致(zhi)害(hai)人(ren)(ren)那里獲(huo)得(de)賠(pei)(pei)償(chang)(chang)，但保(bao)險(xian)人(ren)(ren)沒有(you)從肇事者(zhe)處(chu)索取(qu)賠(pei)(pei)償(chang)(chang)的權利。

單從字面來(lai)看(kan)的(de)(de)(de)話，人身(shen)保(bao)險(xian)與(yu)財產(chan)保(bao)險(xian)的(de)(de)(de)區別在承(cheng)保(bao)的(de)(de)(de)對象(xiang)上就有本質的(de)(de)(de)區別，人身(shen)保(bao)險(xian)主要承(cheng)保(bao)的(de)(de)(de)是“人”一般(ban)不涉及“物”；財產(chan)保(bao)險(xian)承(cheng)保(bao)的(de)(de)(de)不僅有“物”還(huan)會涉及到“人”的(de)(de)(de)問題。

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