根據保險(xian)標的不同,保險(xian)可分(fen)為財(cai)產保險(xian)和(he)人身(shen)保險(xian)兩大類(lei)。
財(cai)產(chan)(chan)保(bao)(bao)險(xian)(xian)(xian)是(shi)指以財(cai)產(chan)(chan)及其相關(guan)利益為(wei)保(bao)(bao)險(xian)(xian)(xian)標的(de)的(de)保(bao)(bao)險(xian)(xian)(xian),包括財(cai)產(chan)(chan)損失保(bao)(bao)險(xian)(xian)(xian)、責任(ren)保(bao)(bao)險(xian)(xian)(xian)、信用保(bao)(bao)險(xian)(xian)(xian)、保(bao)(bao)證保(bao)(bao)險(xian)(xian)(xian)、農業保(bao)(bao)險(xian)(xian)(xian)等。它(ta)是(shi)以有(you)形(xing)或(huo)無形(xing)財(cai)產(chan)(chan)及其相關(guan)利益為(wei)保(bao)(bao)險(xian)(xian)(xian)標的(de)的(de)一類補償性保(bao)(bao)險(xian)(xian)(xian)。
人(ren)身保(bao)險(xian)是以人(ren)的(de)(de)壽命和身體為(wei)保(bao)險(xian)標(biao)的(de)(de)的(de)(de)保(bao)險(xian)。當人(ren)們遭受(shou)不幸事故或(huo)(huo)因疾病(bing)、年(nian)老以致(zhi)喪(sang)失工(gong)作能力、傷殘、死亡或(huo)(huo)年(nian)老退(tui)休時,根(gen)據保(bao)險(xian)合同的(de)(de)約定,保(bao)險(xian)人(ren)對被保(bao)險(xian)人(ren)或(huo)(huo)受(shou)益(yi)人(ren)給付保(bao)險(xian)金或(huo)(huo)年(nian)金。
財產(chan)保險(xian)費的構成
同其(qi)他險(xian)(xian)種保(bao)(bao)險(xian)(xian)費(fei)構成一(yi)(yi)樣,是由一(yi)(yi)定(ding)(ding)的(de)保(bao)(bao)險(xian)(xian)金(jin)額,一(yi)(yi)定(ding)(ding)的(de)保(bao)(bao)險(xian)(xian)費(fei)率,一(yi)(yi)定(ding)(ding)的(de)保(bao)(bao)險(xian)(xian)期限構成,其(qi)計算公式為:商業財(cai)產保(bao)(bao)險(xian)(xian)費(fei)=保(bao)(bao)險(xian)(xian)金(jin)額×保(bao)(bao)險(xian)(xian)費(fei)率×保(bao)(bao)險(xian)(xian)期限
保(bao)險費(fei)的(de)數額(e)(e)與(yu)保(bao)險金(jin)額(e)(e)大(da)小,保(bao)險費(fei)率的(de)高(gao)低,保(bao)險期限的(de)長(chang)短成正比例。保(bao)險金(jin)額(e)(e)越(yue)(yue)大(da),保(bao)險費(fei)率越(yue)(yue)高(gao),保(bao)險期限越(yue)(yue)長(chang),則保(bao)險費(fei)越(yue)(yue)多。