根(gen)據保(bao)險(xian)(xian)標的不同，保(bao)險(xian)(xian)可(ke)分為(wei)財產保(bao)險(xian)(xian)和人身保(bao)險(xian)(xian)兩大類。

財(cai)產(chan)保(bao)(bao)險(xian)(xian)是指以(yi)財(cai)產(chan)及其(qi)相關利益為保(bao)(bao)險(xian)(xian)標的(de)的(de)保(bao)(bao)險(xian)(xian)，包括(kuo)財(cai)產(chan)損失保(bao)(bao)險(xian)(xian)、責任保(bao)(bao)險(xian)(xian)、信用(yong)保(bao)(bao)險(xian)(xian)、保(bao)(bao)證保(bao)(bao)險(xian)(xian)、農業(ye)保(bao)(bao)險(xian)(xian)等。它是以(yi)有形或無形財(cai)產(chan)及其(qi)相關利益為保(bao)(bao)險(xian)(xian)標的(de)的(de)一類補償(chang)性保(bao)(bao)險(xian)(xian)。

人(ren)身保險(xian)(xian)是以人(ren)的壽命和(he)身體為(wei)保險(xian)(xian)標的的保險(xian)(xian)。當人(ren)們遭受不幸事故或因疾(ji)病、年(nian)老(lao)以致喪失工作(zuo)能(neng)力、傷殘、死亡或年(nian)老(lao)退休(xiu)時，根據保險(xian)(xian)合同的約定，保險(xian)(xian)人(ren)對被保險(xian)(xian)人(ren)或受益人(ren)給付(fu)保險(xian)(xian)金或年(nian)金。

財產保險費的(de)構成(cheng)

同其(qi)他(ta)險(xian)種保(bao)險(xian)費構(gou)成一(yi)樣，是由(you)一(yi)定(ding)(ding)的保(bao)險(xian)金(jin)額，一(yi)定(ding)(ding)的保(bao)險(xian)費率，一(yi)定(ding)(ding)的保(bao)險(xian)期限(xian)(xian)構(gou)成，其(qi)計算(suan)公式為：商業財產保(bao)險(xian)費=保(bao)險(xian)金(jin)額×保(bao)險(xian)費率×保(bao)險(xian)期限(xian)(xian)

保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費的(de)數額與保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金額大小，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費率(lv)的(de)高低，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)期限(xian)的(de)長(chang)(chang)短成正比(bi)例。保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金額越大，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費率(lv)越高，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)期限(xian)越長(chang)(chang)，則保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費越多(duo)。