根據(ju)保(bao)(bao)險標的不(bu)同，保(bao)(bao)險可分為(wei)財(cai)產保(bao)(bao)險和人身保(bao)(bao)險兩大類。

財(cai)(cai)產保(bao)險(xian)(xian)是(shi)指以財(cai)(cai)產及其相(xiang)關利(li)益為(wei)保(bao)險(xian)(xian)標(biao)的(de)的(de)保(bao)險(xian)(xian)，包括財(cai)(cai)產損失保(bao)險(xian)(xian)、責任(ren)保(bao)險(xian)(xian)、信用(yong)保(bao)險(xian)(xian)、保(bao)證保(bao)險(xian)(xian)、農業(ye)保(bao)險(xian)(xian)等。它是(shi)以有形(xing)或無形(xing)財(cai)(cai)產及其相(xiang)關利(li)益為(wei)保(bao)險(xian)(xian)標(biao)的(de)的(de)一類補償性保(bao)險(xian)(xian)。

人(ren)(ren)身(shen)(shen)保(bao)險是(shi)以人(ren)(ren)的壽命和身(shen)(shen)體為保(bao)險標的的保(bao)險。當人(ren)(ren)們(men)遭受不幸事故或因疾病、年老以致喪(sang)失(shi)工(gong)作能力、傷殘、死亡或年老退休(xiu)時，根據保(bao)險合同的約(yue)定，保(bao)險人(ren)(ren)對被保(bao)險人(ren)(ren)或受益(yi)人(ren)(ren)給付(fu)保(bao)險金或年金。

財(cai)產保險費(fei)的構成

同其(qi)他險(xian)種(zhong)保險(xian)費構成(cheng)一樣，是由一定的保險(xian)金額(e)，一定的保險(xian)費率(lv)，一定的保險(xian)期(qi)限構成(cheng)，其(qi)計(ji)算公式為：商(shang)業(ye)財產保險(xian)費=保險(xian)金額(e)×保險(xian)費率(lv)×保險(xian)期(qi)限

保(bao)(bao)險(xian)(xian)費(fei)的(de)數額與保(bao)(bao)險(xian)(xian)金(jin)額大小(xiao)，保(bao)(bao)險(xian)(xian)費(fei)率的(de)高低(di)，保(bao)(bao)險(xian)(xian)期限的(de)長短成正比例(li)。保(bao)(bao)險(xian)(xian)金(jin)額越(yue)(yue)大，保(bao)(bao)險(xian)(xian)費(fei)率越(yue)(yue)高，保(bao)(bao)險(xian)(xian)期限越(yue)(yue)長，則保(bao)(bao)險(xian)(xian)費(fei)越(yue)(yue)多。