根據保(bao)險(xian)標的不同，保(bao)險(xian)可分為財(cai)產保(bao)險(xian)和人身(shen)保(bao)險(xian)兩(liang)大(da)類。

財(cai)(cai)產保險(xian)(xian)(xian)是指(zhi)以財(cai)(cai)產及其相(xiang)關(guan)利(li)(li)益為(wei)保險(xian)(xian)(xian)標的(de)(de)(de)的(de)(de)(de)保險(xian)(xian)(xian)，包括財(cai)(cai)產損失(shi)保險(xian)(xian)(xian)、責任保險(xian)(xian)(xian)、信用保險(xian)(xian)(xian)、保證保險(xian)(xian)(xian)、農業(ye)保險(xian)(xian)(xian)等。它是以有形(xing)或(huo)無形(xing)財(cai)(cai)產及其相(xiang)關(guan)利(li)(li)益為(wei)保險(xian)(xian)(xian)標的(de)(de)(de)的(de)(de)(de)一類補償性保險(xian)(xian)(xian)。

人(ren)身保(bao)(bao)險(xian)(xian)是(shi)以人(ren)的(de)壽命和身體為保(bao)(bao)險(xian)(xian)標(biao)的(de)的(de)保(bao)(bao)險(xian)(xian)。當人(ren)們遭受不幸(xing)事故或(huo)(huo)因疾(ji)病、年老以致喪失工作能(neng)力、傷殘、死亡或(huo)(huo)年老退休(xiu)時，根(gen)據保(bao)(bao)險(xian)(xian)合同的(de)約(yue)定，保(bao)(bao)險(xian)(xian)人(ren)對被(bei)保(bao)(bao)險(xian)(xian)人(ren)或(huo)(huo)受益人(ren)給付保(bao)(bao)險(xian)(xian)金或(huo)(huo)年金。

財產保險費的構(gou)成

同其他險(xian)(xian)(xian)種保(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)構成(cheng)一(yi)樣，是由(you)一(yi)定的(de)保(bao)(bao)險(xian)(xian)(xian)金(jin)額，一(yi)定的(de)保(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)率，一(yi)定的(de)保(bao)(bao)險(xian)(xian)(xian)期限構成(cheng)，其計算公式為：商業財產保(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)=保(bao)(bao)險(xian)(xian)(xian)金(jin)額×保(bao)(bao)險(xian)(xian)(xian)費(fei)(fei)率×保(bao)(bao)險(xian)(xian)(xian)期限

保(bao)險(xian)(xian)費(fei)的(de)(de)數(shu)額(e)(e)與保(bao)險(xian)(xian)金額(e)(e)大小，保(bao)險(xian)(xian)費(fei)率的(de)(de)高低，保(bao)險(xian)(xian)期限(xian)的(de)(de)長短成(cheng)正比例。保(bao)險(xian)(xian)金額(e)(e)越大，保(bao)險(xian)(xian)費(fei)率越高，保(bao)險(xian)(xian)期限(xian)越長，則保(bao)險(xian)(xian)費(fei)越多。