根據保(bao)險標的(de)不同，保(bao)險可(ke)分為(wei)財產保(bao)險和人(ren)身保(bao)險兩大類。

財產(chan)保(bao)險是指(zhi)以(yi)財產(chan)及(ji)其(qi)相關利(li)益為保(bao)險標的的保(bao)險，包括(kuo)財產(chan)損失保(bao)險、責任保(bao)險、信用保(bao)險、保(bao)證保(bao)險、農(nong)業保(bao)險等(deng)。它是以(yi)有形(xing)或無(wu)形(xing)財產(chan)及(ji)其(qi)相關利(li)益為保(bao)險標的的一類補償性保(bao)險。

人(ren)(ren)身保(bao)(bao)險(xian)(xian)是(shi)以人(ren)(ren)的(de)壽命和(he)身體為保(bao)(bao)險(xian)(xian)標的(de)的(de)保(bao)(bao)險(xian)(xian)。當人(ren)(ren)們遭受(shou)不(bu)幸事故(gu)或因疾病(bing)、年(nian)老(lao)以致(zhi)喪失工作能力、傷殘、死亡或年(nian)老(lao)退休時，根據保(bao)(bao)險(xian)(xian)合同的(de)約定，保(bao)(bao)險(xian)(xian)人(ren)(ren)對被保(bao)(bao)險(xian)(xian)人(ren)(ren)或受(shou)益人(ren)(ren)給付保(bao)(bao)險(xian)(xian)金(jin)或年(nian)金(jin)。

財產保險費(fei)的構成

同其他險(xian)(xian)種保(bao)(bao)險(xian)(xian)費構(gou)成(cheng)一(yi)樣，是由一(yi)定的(de)保(bao)(bao)險(xian)(xian)金額，一(yi)定的(de)保(bao)(bao)險(xian)(xian)費率，一(yi)定的(de)保(bao)(bao)險(xian)(xian)期(qi)限構(gou)成(cheng)，其計(ji)算公式(shi)為(wei)：商(shang)業財產保(bao)(bao)險(xian)(xian)費=保(bao)(bao)險(xian)(xian)金額×保(bao)(bao)險(xian)(xian)費率×保(bao)(bao)險(xian)(xian)期(qi)限

保(bao)(bao)險(xian)費(fei)的(de)數額與保(bao)(bao)險(xian)金額大小，保(bao)(bao)險(xian)費(fei)率的(de)高低，保(bao)(bao)險(xian)期限(xian)(xian)的(de)長短成(cheng)正比例。保(bao)(bao)險(xian)金額越大，保(bao)(bao)險(xian)費(fei)率越高，保(bao)(bao)險(xian)期限(xian)(xian)越長，則保(bao)(bao)險(xian)費(fei)越多。