商業保險按保險標分

人身保險

人身保險種類

按保險責任分類

（1）意外傷害保險：當被保(bao)(bao)者的(de)身體由于保(bao)(bao)險(xian)(xian)合同保(bao)(bao)障的(de)意外事故(gu)遭(zao)受傷害導致損失時，保(bao)(bao)險(xian)(xian)公司(si)會依據保(bao)(bao)險(xian)(xian)合同的(de)約定賠(pei)付意外保(bao)(bao)險(xian)(xian)金。

（2）壽險：壽險(xian)還能(neng)細分(fen)為(wei)定(ding)期壽險(xian)、終(zhong)身(shen)壽險(xian)、兩全保(bao)險(xian)、年金保(bao)險(xian)，當被(bei)保(bao)者生存到約(yue)定(ding)的時間(jian)或在約(yue)定(ding)的時間(jian)內身(shen)故(gu)的，保(bao)險(xian)公司會給付一筆錢給保(bao)險(xian)受(shou)益人。

（3）健康保險：還(huan)可分為重大疾病保(bao)險(xian)(xian)(xian)、住院醫(yi)療保(bao)險(xian)(xian)(xian)、意外傷害(hai)醫(yi)療保(bao)險(xian)(xian)(xian)等(deng)，其保(bao)險(xian)(xian)(xian)標的是(shi)人的身體(ti)，當被保(bao)者(zhe)發(fa)生保(bao)險(xian)(xian)(xian)合同保(bao)障的疾病或意外事故所產生費用或損(sun)失(shi)時，保(bao)險(xian)(xian)(xian)公(gong)司會承(cheng)擔事先(xian)約定(ding)的保(bao)險(xian)(xian)(xian)金(jin)的給付(fu)義務。

按保險期間的不同分類

人身保(bao)險可以分為保(bao)障(zhang)期(qi)在一年(nian)(nian)以下(xia)的(de)短(duan)險以及保(bao)障(zhang)期(qi)超過(guo)1年(nian)(nian)的(de)長期(qi)險（如保(bao)障(zhang)5年(nian)(nian)、10年(nian)(nian)、30年(nian)(nian)等）。

按承保方式分類

人(ren)(ren)身保險(xian)有(you)(you)團(tuan)體(ti)保險(xian)和個(ge)人(ren)(ren)保險(xian)之(zhi)分。團(tuan)體(ti)保險(xian)一般是(shi)(shi)(shi)單位或企業給(gei)自身的全(quan)體(ti)職工配(pei)(pei)置(zhi)的，保單只(zhi)有(you)(you)一張，被保者一般是(shi)(shi)(shi)5人(ren)(ren)以上(shang)。個(ge)人(ren)(ren)保險(xian)是(shi)(shi)(shi)指被保者為(wei)1人(ren)(ren)的產品，一般是(shi)(shi)(shi)家庭成員(yuan)配(pei)(pei)置(zhi)的。

按分紅紅利分類

人(ren)身保(bao)(bao)(bao)(bao)(bao)險(xian)可分(fen)為分(fen)紅保(bao)(bao)(bao)(bao)(bao)險(xian)和消(xiao)(xiao)費(fei)型保(bao)(bao)(bao)(bao)(bao)險(xian)。分(fen)紅保(bao)(bao)(bao)(bao)(bao)險(xian)是指保(bao)(bao)(bao)(bao)(bao)險(xian)公司(si)會把(ba)經營(ying)所得的(de)可分(fen)配盈余按照一定的(de)比例(li)分(fen)配給保(bao)(bao)(bao)(bao)(bao)單持有人(ren)的(de)險(xian)種。消(xiao)(xiao)費(fei)型保(bao)(bao)(bao)(bao)(bao)險(xian)也即(ji)到期若沒有保(bao)(bao)(bao)(bao)(bao)險(xian)事(shi)故發生的(de)保(bao)(bao)(bao)(bao)(bao)費(fei)不返還(huan)，只有在保(bao)(bao)(bao)(bao)(bao)障(zhang)期間內發生保(bao)(bao)(bao)(bao)(bao)險(xian)事(shi)故才能獲賠(pei)。

人壽保險

保障范圍

人(ren)(ren)壽(shou)保(bao)險(xian)(xian)是人(ren)(ren)身(shen)保(bao)險(xian)(xian)的(de)一種，以被保(bao)險(xian)(xian)人(ren)(ren)的(de)壽(shou)命(ming)為保(bao)險(xian)(xian)標的(de)，且以被保(bao)險(xian)(xian)人(ren)(ren)的(de)生存(cun)或死(si)亡為給(gei)付條件的(de)人(ren)(ren)身(shen)保(bao)險(xian)(xian)。也就是說被保(bao)險(xian)(xian)人(ren)(ren)發生保(bao)險(xian)(xian)事故時，保(bao)險(xian)(xian)人(ren)(ren)會支付保(bao)險(xian)(xian)費。

壽險險種

1、定期人壽：定期(qi)人(ren)(ren)壽保(bao)(bao)(bao)險(xian)(xian)就是約(yue)定一(yi)個(ge)保(bao)(bao)(bao)險(xian)(xian)期(qi)限，如果(guo)被保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)在約(yue)定期(qi)限里(li)死(si)亡，保(bao)(bao)(bao)險(xian)(xian)公司(si)會向保(bao)(bao)(bao)險(xian)(xian)受益人(ren)(ren)賠(pei)付保(bao)(bao)(bao)險(xian)(xian)金；如果(guo)被保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)沒(mei)有在約(yue)定期(qi)限里(li)死(si)亡，那么也就這樣(yang)了，保(bao)(bao)(bao)險(xian)(xian)公司(si)既不進行賠(pei)付，也不退還(huan)保(bao)(bao)(bao)費。

2、終身人壽：終身人(ren)(ren)(ren)壽(shou)保險是(shi)在被保險人(ren)(ren)(ren)死(si)亡之后，保險公司向保險受益人(ren)(ren)(ren)進(jin)行賠付(fu)的保險，但(dan)是(shi)終身人(ren)(ren)(ren)壽(shou)保險沒有約(yue)定期限。由(you)于人(ren)(ren)(ren)是(shi)一(yi)定會(hui)死(si)的，所以保險公司最終一(yi)定會(hui)進(jin)行賠付(fu)。

3、生存保險：生存保(bao)(bao)險(xian)要求被保(bao)(bao)險(xian)人(ren)一定要活到之前(qian)約定的期(qi)限。如果在(zai)到期(qi)之前(qian)，被保(bao)(bao)險(xian)人(ren)就(jiu)死(si)亡了，那么保(bao)(bao)險(xian)公司既不(bu)會進行賠償，也不(bu)會退回保(bao)(bao)費(fei)。

4、生死兩全：生(sheng)死兩全保(bao)險(xian)(xian)(xian)是(shi)將定期人(ren)壽保(bao)險(xian)(xian)(xian)和生(sheng)存保(bao)險(xian)(xian)(xian)進行(xing)組合(he)之后得到的保(bao)險(xian)(xian)(xian)。如(ru)(ru)果被(bei)保(bao)險(xian)(xian)(xian)人(ren)在約定的期限里死亡(wang)，保(bao)險(xian)(xian)(xian)公司(si)會向保(bao)險(xian)(xian)(xian)受(shou)益人(ren)進行(xing)賠付(fu)；如(ru)(ru)果被(bei)保(bao)險(xian)(xian)(xian)人(ren)活到了(le)約定期限結束(shu)，保(bao)險(xian)(xian)(xian)公司(si)會向被(bei)保(bao)險(xian)(xian)(xian)人(ren)發(fa)放生(sheng)存金。

5、養老保險：養(yang)老保險(xian)(xian)是(shi)將生存(cun)保險(xian)(xian)和死亡保險(xian)(xian)進行組合之后得到的(de)保險(xian)(xian)。不(bu)管被保險(xian)(xian)人在(zai)約定期限里是(shi)死是(shi)活(huo)，保險(xian)(xian)公(gong)司(si)都會進行相應的(de)賠(pei)付。

壽險多少歲不能買

每種險種都有自己(ji)的投保規則，對(dui)于(yu)年齡的限制，都不一樣(yang)。一般情況下(xia)，對(dui)于(yu)壽(shou)險規劃(hua)，60歲，基本就是上線。

壽險一年多少錢

人壽保險一年交多少錢和具體的產品、保額、保障期限以及繳費方式有關，所以沒有一個固定的數字，具體情況還是要具體分析。【詳細】

健康保險

健康險保障內容

保障的(de)(de)內容(rong)主要(yao)有兩種(zhong)，一(yi)種(zhong)是因(yin)(yin)疾病(bing)或意外保險(xian)事故而(er)產生的(de)(de)醫療(liao)費用，一(yi)類(lei)是因(yin)(yin)疾病(bing)或意外保險(xian)事故而(er)產生的(de)(de)其他損失。

健康險險種分類

分為(wei)醫療保險、疾病保險、收入保障線、護(hu)理(li)保險四大類。

該圖片由注冊用戶"中華小當家"提供，版權聲明反饋

健康險多少錢一年

一般0歲的孩子投保健康險一年大致是幾百元，年級越大費用越高，一般50歲的人投保，健康險保一年的費用達到5000、6000甚至更多，所以，如果有經濟能力，越早投保越劃算。【詳細】

人身意外傷害保險

保障范圍

1、死亡(wang)給付：被保(bao)(bao)險人(ren)(ren)遭受意外傷害(hai)造(zao)成死亡(wang)時，保(bao)(bao)險人(ren)(ren)給付死亡(wang)保(bao)(bao)險金。

2、殘廢給(gei)付：被保險(xian)人因(yin)遭受意外傷(shang)害造成(cheng)殘廢時，保險(xian)人按照傷(shang)殘等級支付不(bu)同(tong)的(de)保險(xian)金。

3、醫(yi)療給(gei)付：被保險人因遭(zao)受意(yi)外傷害支出醫(yi)療費時，保險人根據(ju)實際(ji)情況酌情給(gei)付。

4、停工(gong)給(gei)付：被(bei)保(bao)(bao)險(xian)人(ren)因(yin)意外傷(shang)害暫時喪失勞動能力，不(bu)能工(gong)作時，保(bao)(bao)險(xian)人(ren)給(gei)付停工(gong)保(bao)(bao)險(xian)金(jin)。

價格

因為意外險的所交保費與意外險類型、保障范圍、保險期限以及被保人的實際情況相關，投保費用在幾十元至數百元不等。【詳細】

財產保險

企業財產保險

險種有哪些

企業財(cai)產(chan)按是(shi)否可(ke)(ke)保(bao)的標(biao)準可(ke)(ke)以分(fen)為三類(lei)，即可(ke)(ke)保(bao)財(cai)產(chan)、特約(yue)可(ke)(ke)保(bao)財(cai)產(chan)和(he)不(bu)保(bao)財(cai)產(chan)。

費率一般多少

投保(bao)財(cai)產險(xian)需要提(ti)供(gong)“資產負債表”，根據財(cai)產總額和投保(bao)對象再(zai)測算出保(bao)費。基(ji)本險(xian)、財(cai)產綜合險(xian)、財(cai)產一切(qie)險(xian)的費率(lv)由底到高，平(ping)均費率(lv)在(zai)千分之1.2左右。

企業財產保險賠率

1、全部損失。受損財產的保(bao)(bao)險(xian)金額等于(yu)或高于(yu)保(bao)(bao)險(xian)價(jia)值時(shi)，其賠償金額以不超過保(bao)(bao)險(xian)價(jia)值為限;保(bao)(bao)險(xian)金額低于(yu)保(bao)(bao)險(xian)價(jia)值時(shi)，按保(bao)(bao)險(xian)金額賠償。

2、部分損失。受損財產的保險金額等于或高于保險價值時，其賠償金額按實際損失計算;保險金額低于保險價值時，其賠償金額按保險金額與保險價值的比例計算。【詳細】

家庭財產保險

家庭財產保險價格

保(bao)(bao)險金(jin)額由被保(bao)(bao)險人根(gen)據保(bao)(bao)險財產的實際(ji)價(jia)值確定，并且按照保(bao)(bao)險單上(shang)規定的保(bao)(bao)險財產項(xiang)目(mu)分別列明。

保險范圍包括哪些

1、可保財產：自有(you)居住(zhu)房屋；室(shi)內裝修、裝飾及附屬設施(shi)；室(shi)內家庭財產。

2、特保財產：

（1）農村(cun)家庭(ting)存放在院內的非動(dong)力農機具、農用工(gong)具和已收獲的農副產(chan)品

（2）個體勞動者存放在(zai)室內的營業(ye)器具、工具、原(yuan)材料(liao)和商品

（3）代他人(ren)保管的財(cai)產或與他人(ren)共有(you)的財(cai)產

（4）須與保險人(ren)特(te)別約(yue)定(ding)才(cai)能投保的財產

家庭財產保險投保注意

①家庭財產保險不是什么都保；②家庭財產保險不要超額投保；③家庭財產保險不要多處投保。【詳細】

商業保險按實施方式分類

按實施方式分類，保險可分為強制保險和自愿保險。

強制保險

強(qiang)制(zhi)(zhi)(zhi)(zhi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)（又稱“法(fa)(fa)定保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)”）是(shi)由(you)(you)國家（政(zheng)府）通(tong)過法(fa)(fa)律或(huo)行政(zheng)手段強(qiang)制(zhi)(zhi)(zhi)(zhi)實施(shi)的(de)一種保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)。強(qiang)制(zhi)(zhi)(zhi)(zhi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)關系(xi)雖然(ran)也是(shi)產生于(yu)投保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)與保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)之(zhi)間的(de)合同行為，但是(shi)，合同的(de)訂立受制(zhi)(zhi)(zhi)(zhi)于(yu)國家或(huo)政(zheng)府的(de)法(fa)(fa)律規定。強(qiang)制(zhi)(zhi)(zhi)(zhi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)的(de)實施(shi)方式有兩種選(xuan)(xuan)擇：—是(shi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標(biao)的(de)與保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)均由(you)(you)法(fa)(fa)律限(xian)定；二(er)是(shi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標(biao)的(de)由(you)(you)法(fa)(fa)律限(xian)定，但投保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)可以(yi)自(zi)由(you)(you)選(xuan)(xuan)擇保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)，如機(ji)動車交通(tong)事故(gu)責任(ren)強(qiang)制(zhi)(zhi)(zhi)(zhi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)。

自愿保險

自(zi)(zi)(zi)愿(yuan)保(bao)(bao)險(xian)(xian)是在自(zi)(zi)(zi)愿(yuan)原則下，投(tou)保(bao)(bao)人(ren)與保(bao)(bao)險(xian)(xian)人(ren)雙方在平(ping)等的基礎上，通過訂立保(bao)(bao)險(xian)(xian)合同(tong)而建立的保(bao)(bao)險(xian)(xian)關系。自(zi)(zi)(zi)愿(yuan)保(bao)(bao)險(xian)(xian)的保(bao)(bao)險(xian)(xian)關系，是當事人(ren)之間自(zi)(zi)(zi)由(you)決(jue)定(ding)、彼此(ci)合意后所(suo)建立的合同(tong)關系。投(tou)保(bao)(bao)人(ren)可(ke)以自(zi)(zi)(zi)由(you)決(jue)定(ding)是否投(tou)保(bao)(bao)、向誰投(tou)保(bao)(bao)、中途退(tui)保(bao)(bao)等，也(ye)可(ke)以自(zi)(zi)(zi)由(you)選擇(ze)保(bao)(bao)險(xian)(xian)金額、保(bao)(bao)障(zhang)范(fan)圍(wei)、保(bao)(bao)障(zhang)程度(du)和保(bao)(bao)險(xian)(xian)期限等；保(bao)(bao)險(xian)(xian)人(ren)也(ye)可(ke)以根據情況自(zi)(zi)(zi)愿(yuan)決(jue)定(ding)是否承保(bao)(bao)、怎樣(yang)承保(bao)(bao)等。

商業保險按(an)承保方式分(fen)類

按承保(bao)方式分類，可將保(bao)險分為原保(bao)險、再(zai)保(bao)險、共(gong)同保(bao)險和重復保(bao)險。

原保險

原(yuan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)是保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人與(yu)投保(bao)(bao)(bao)(bao)(bao)人之間直接簽訂(ding)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合同(tong)而建立(li)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)關系的一種(zhong)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)。在原(yuan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)關系中，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)需求者(zhe)將其風險(xian)(xian)轉嫁給保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人，當保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)標的遭受保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)責任范圍內的損失時，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人直接對被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人承擔賠償或(huo)給付責任。

再保險

再保(bao)險(xian)(xian)(xian)(xian)（也(ye)稱“分保(bao)”）是(shi)保(bao)險(xian)(xian)(xian)(xian)人(ren)將其所承(cheng)保(bao)的風險(xian)(xian)(xian)(xian)和責任的一部(bu)分或(huo)全部(bu)轉(zhuan)(zhuan)移給(gei)其他(ta)保(bao)險(xian)(xian)(xian)(xian)人(ren)的一種保(bao)險(xian)(xian)(xian)(xian)。分出(chu)業(ye)務的是(shi)再保(bao)險(xian)(xian)(xian)(xian)分出(chu)人(ren)，接受(shou)分保(bao)業(ye)務的是(shi)再保(bao)險(xian)(xian)(xian)(xian)接受(shou)人(ren)。這種風險(xian)(xian)(xian)(xian)轉(zhuan)(zhuan)嫁(jia)(jia)方(fang)式(shi)是(shi)保(bao)險(xian)(xian)(xian)(xian)人(ren)對原(yuan)始(shi)風險(xian)(xian)(xian)(xian)的縱向轉(zhuan)(zhuan)嫁(jia)(jia)，即第二次風險(xian)(xian)(xian)(xian)轉(zhuan)(zhuan)嫁(jia)(jia)。

共同保險

共同(tong)(tong)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)（也(ye)(ye)稱(cheng)“共保(bao)(bao)(bao)(bao)”）是由幾個(ge)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人聯合(he)直接(jie)承(cheng)保(bao)(bao)(bao)(bao)同(tong)(tong)一保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)、同(tong)(tong)一風險(xian)(xian)(xian)(xian)(xian)(xian)、同(tong)(tong)一保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)利(li)益的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)。共同(tong)(tong)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)各保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人承(cheng)保(bao)(bao)(bao)(bao)金(jin)額(e)的(de)(de)總和不超(chao)過保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)價值。在(zai)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)實務(wu)中，可能(neng)是多個(ge)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人分別與(yu)投(tou)保(bao)(bao)(bao)(bao)人簽(qian)(qian)訂保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合(he)同(tong)(tong)，也(ye)(ye)可能(neng)是多個(ge)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人以某(mou)一保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人的(de)(de)名(ming)義簽(qian)(qian)發一份保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合(he)同(tong)(tong)。與(yu)再保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)不同(tong)(tong)，這種風險(xian)(xian)(xian)(xian)(xian)(xian)轉嫁(jia)方式(shi)是保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人對(dui)原始(shi)風險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)橫向轉嫁(jia)，它仍屬于風險(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)第(di)一次轉嫁(jia)。

重復保險

重復(fu)(fu)保(bao)險(xian)(xian)是(shi)指投保(bao)人(ren)以同(tong)(tong)一(yi)保(bao)險(xian)(xian)標的、同(tong)(tong)一(yi)保(bao)險(xian)(xian)利益、同(tong)(tong)一(yi)保(bao)險(xian)(xian)事(shi)故分別與(yu)(yu)兩個(ge)或(huo)兩個(ge)以上保(bao)險(xian)(xian)人(ren)訂立保(bao)險(xian)(xian)合同(tong)(tong)，且保(bao)險(xian)(xian)金額(e)總(zong)和超過(guo)保(bao)險(xian)(xian)價值(zhi)的保(bao)險(xian)(xian)。與(yu)(yu)共同(tong)(tong)保(bao)險(xian)(xian)相同(tong)(tong)，重復(fu)(fu)保(bao)險(xian)(xian)也是(shi)投保(bao)人(ren)對原始風險(xian)(xian)的橫(heng)向轉嫁(jia)，也屬于風險(xian)(xian)的第一(yi)次轉嫁(jia)。

商業按保險經營性質分

商業性保險

商業(ye)保(bao)(bao)險(xian)指保(bao)(bao)險(xian)公司所經營的各類保(bao)(bao)險(xian)業(ye)務。商業(ye)保(bao)(bao)險(xian)以(yi)盈利(li)為目標，進行獨立經濟(ji)核(he)算。

政策性保險

常(chang)(chang)見的(de)政(zheng)策性保(bao)險有出口信用(yong)保(bao)險、投資保(bao)險和農(nong)為保(bao)險等。與(yu)此相比，商(shang)業(ye)保(bao)險由以盈利(li)為目的(de)的(de)商(shang)業(ye)保(bao)險公司舉辦(ban)，它們自(zi)(zi)主經營、獨立(li)核算、自(zi)(zi)負盈虧(kui)，由于(yu)利(li)潤(run)最大(da)化的(de)考慮、通常(chang)(chang)不會經營政(zheng)策性保(bao)險。