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)者(zhe)的(de)(de)身(shen)體由于保(bao)險合同保(bao)障的(de)(de)意外事故遭受(shou)傷害導致損失時，保(bao)險公司會依據保(bao)險合同的(de)(de)約(yue)定賠付意外保(bao)險金。

（2）壽險：壽險還(huan)能細分(fen)為定(ding)期壽險、終身(shen)(shen)壽險、兩全保(bao)險、年金保(bao)險，當被保(bao)者生存(cun)到(dao)約定(ding)的時(shi)(shi)間(jian)或在(zai)約定(ding)的時(shi)(shi)間(jian)內身(shen)(shen)故的，保(bao)險公司會給(gei)(gei)付一筆錢給(gei)(gei)保(bao)險受益人。

（3）健康保險：還可分為重大(da)疾病保(bao)(bao)(bao)險(xian)、住(zhu)院醫療保(bao)(bao)(bao)險(xian)、意外(wai)傷(shang)害(hai)醫療保(bao)(bao)(bao)險(xian)等，其(qi)保(bao)(bao)(bao)險(xian)標的(de)(de)是人的(de)(de)身體，當被保(bao)(bao)(bao)者發生(sheng)保(bao)(bao)(bao)險(xian)合(he)同保(bao)(bao)(bao)障的(de)(de)疾病或(huo)意外(wai)事故所產(chan)生(sheng)費用(yong)或(huo)損失時，保(bao)(bao)(bao)險(xian)公司會承擔事先約定(ding)的(de)(de)保(bao)(bao)(bao)險(xian)金的(de)(de)給付(fu)義務。

按保險期間的不同分類

人(ren)身保險可以(yi)分為(wei)保障(zhang)期在(zai)一年(nian)(nian)以(yi)下的短險以(yi)及保障(zhang)期超過1年(nian)(nian)的長期險（如保障(zhang)5年(nian)(nian)、10年(nian)(nian)、30年(nian)(nian)等）。

按承保方式分類

人(ren)身保(bao)(bao)險(xian)有團體保(bao)(bao)險(xian)和(he)個人(ren)保(bao)(bao)險(xian)之分。團體保(bao)(bao)險(xian)一(yi)般(ban)(ban)是單位或(huo)企業(ye)給自身的(de)(de)全體職工配置的(de)(de)，保(bao)(bao)單只(zhi)有一(yi)張，被保(bao)(bao)者(zhe)一(yi)般(ban)(ban)是5人(ren)以(yi)上。個人(ren)保(bao)(bao)險(xian)是指被保(bao)(bao)者(zhe)為1人(ren)的(de)(de)產品，一(yi)般(ban)(ban)是家(jia)庭(ting)成(cheng)員(yuan)配置的(de)(de)。

按分紅紅利分類

人(ren)(ren)身(shen)保(bao)(bao)(bao)險可分(fen)為分(fen)紅保(bao)(bao)(bao)險和消(xiao)費型保(bao)(bao)(bao)險。分(fen)紅保(bao)(bao)(bao)險是指保(bao)(bao)(bao)險公司(si)會把經(jing)營所得的可分(fen)配盈余按照一(yi)定的比例分(fen)配給保(bao)(bao)(bao)單持有(you)人(ren)(ren)的險種。消(xiao)費型保(bao)(bao)(bao)險也即到期若沒有(you)保(bao)(bao)(bao)險事故(gu)發(fa)生的保(bao)(bao)(bao)費不返還，只(zhi)有(you)在(zai)保(bao)(bao)(bao)障期間內發(fa)生保(bao)(bao)(bao)險事故(gu)才(cai)能(neng)獲賠。

人壽保險

保障范圍

人(ren)(ren)壽保(bao)(bao)(bao)險(xian)(xian)是(shi)人(ren)(ren)身保(bao)(bao)(bao)險(xian)(xian)的(de)(de)一種，以被保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)的(de)(de)壽命為(wei)保(bao)(bao)(bao)險(xian)(xian)標的(de)(de)，且以被保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)的(de)(de)生存(cun)或死亡為(wei)給(gei)付(fu)條件的(de)(de)人(ren)(ren)身保(bao)(bao)(bao)險(xian)(xian)。也就(jiu)是(shi)說(shuo)被保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)發(fa)生保(bao)(bao)(bao)險(xian)(xian)事故時，保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)會支付(fu)保(bao)(bao)(bao)險(xian)(xian)費。

壽險險種

1、定期人壽：定(ding)期(qi)人壽(shou)保(bao)(bao)險(xian)(xian)(xian)就(jiu)是約定(ding)一個(ge)保(bao)(bao)險(xian)(xian)(xian)期(qi)限，如果被保(bao)(bao)險(xian)(xian)(xian)人在(zai)約定(ding)期(qi)限里死亡，保(bao)(bao)險(xian)(xian)(xian)公司(si)會(hui)向保(bao)(bao)險(xian)(xian)(xian)受益(yi)人賠付(fu)保(bao)(bao)險(xian)(xian)(xian)金；如果被保(bao)(bao)險(xian)(xian)(xian)人沒有(you)在(zai)約定(ding)期(qi)限里死亡，那么也就(jiu)這樣了，保(bao)(bao)險(xian)(xian)(xian)公司(si)既不(bu)進行賠付(fu)，也不(bu)退還保(bao)(bao)費(fei)。

2、終身人壽：終(zhong)(zhong)身(shen)人壽保(bao)險(xian)(xian)(xian)是在被保(bao)險(xian)(xian)(xian)人死亡之后，保(bao)險(xian)(xian)(xian)公司向保(bao)險(xian)(xian)(xian)受益人進(jin)行賠付(fu)的(de)保(bao)險(xian)(xian)(xian)，但是終(zhong)(zhong)身(shen)人壽保(bao)險(xian)(xian)(xian)沒有約定(ding)期(qi)限。由于人是一定(ding)會死的(de)，所以保(bao)險(xian)(xian)(xian)公司最終(zhong)(zhong)一定(ding)會進(jin)行賠付(fu)。

3、生存保險：生存(cun)保(bao)(bao)(bao)險(xian)要(yao)求(qiu)被(bei)保(bao)(bao)(bao)險(xian)人一定(ding)要(yao)活到(dao)之前約定(ding)的期(qi)限。如果(guo)在到(dao)期(qi)之前，被(bei)保(bao)(bao)(bao)險(xian)人就死亡了，那么保(bao)(bao)(bao)險(xian)公司既不會進行(xing)賠償，也(ye)不會退回保(bao)(bao)(bao)費。

4、生死兩全：生(sheng)死(si)兩(liang)全保(bao)險(xian)是將定(ding)期人(ren)(ren)壽保(bao)險(xian)和生(sheng)存(cun)(cun)保(bao)險(xian)進行組合之(zhi)后得到的保(bao)險(xian)。如果(guo)被(bei)保(bao)險(xian)人(ren)(ren)在約定(ding)的期限里死(si)亡，保(bao)險(xian)公司會向保(bao)險(xian)受益人(ren)(ren)進行賠付(fu)；如果(guo)被(bei)保(bao)險(xian)人(ren)(ren)活(huo)到了約定(ding)期限結(jie)束，保(bao)險(xian)公司會向被(bei)保(bao)險(xian)人(ren)(ren)發放(fang)生(sheng)存(cun)(cun)金。

5、養老保險：養老保(bao)(bao)(bao)險是(shi)將生存保(bao)(bao)(bao)險和死亡保(bao)(bao)(bao)險進行(xing)組(zu)合(he)之后得到的保(bao)(bao)(bao)險。不管被保(bao)(bao)(bao)險人(ren)在約定(ding)期限里是(shi)死是(shi)活，保(bao)(bao)(bao)險公(gong)司都會進行(xing)相(xiang)應的賠付。

壽險多少歲不能買

每種險種都有(you)自己(ji)的投保規則，對(dui)(dui)于年齡的限(xian)制(zhi)，都不一樣。一般情況下(xia)，對(dui)(dui)于壽險規劃，60歲，基(ji)本就(jiu)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

保障的內容主要有(you)兩種，一種是(shi)(shi)因疾病或(huo)意(yi)外保險(xian)事故(gu)而(er)產(chan)生的醫(yi)療費用(yong)，一類是(shi)(shi)因疾病或(huo)意(yi)外保險(xian)事故(gu)而(er)產(chan)生的其(qi)他損失(shi)。

健康險險種分類

分為醫療(liao)保險、疾病(bing)保險、收入(ru)保障線、護理保險四大類。

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)險(xian)人遭受意(yi)外(wai)傷害造成死亡(wang)時，保(bao)險(xian)人給付死亡(wang)保(bao)險(xian)金。

2、殘廢給付：被保(bao)險(xian)人(ren)因遭受意(yi)外傷(shang)害(hai)造成殘廢時(shi)，保(bao)險(xian)人(ren)按照傷(shang)殘等級(ji)支(zhi)付不(bu)同的保(bao)險(xian)金。

3、醫療(liao)(liao)給(gei)付：被保險人因(yin)遭受意(yi)外傷害支出醫療(liao)(liao)費時，保險人根據實際情況酌情給(gei)付。

4、停(ting)工給(gei)付：被保(bao)險人因意外(wai)傷害暫時(shi)喪失勞(lao)動能力，不(bu)能工作時(shi)，保(bao)險人給(gei)付停(ting)工保(bao)險金。

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

企業財產(chan)按(an)是否可(ke)(ke)保的標準可(ke)(ke)以分為三類，即可(ke)(ke)保財產(chan)、特約可(ke)(ke)保財產(chan)和不保財產(chan)。

費率一般多少

投保財產(chan)(chan)險需要提供“資產(chan)(chan)負債表”，根據(ju)財產(chan)(chan)總(zong)額和投保對象再測算出保費。基(ji)本險、財產(chan)(chan)綜(zong)合險、財產(chan)(chan)一切險的費率由(you)底到(dao)高，平均費率在千(qian)分之(zhi)1.2左右(you)。

企業財產保險賠率

1、全部損失。受損財產的(de)保險金額等于或高于保險價(jia)值(zhi)時，其賠償(chang)金額以不超(chao)過保險價(jia)值(zhi)為(wei)限;保險金額低于保險價(jia)值(zhi)時，按保險金額賠償(chang)。

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

保險金額由被保險人根據保險財產的實(shi)際(ji)價值確(que)定，并且按照保險單(dan)上規定的保險財產項目分別列(lie)明(ming)。

保險范圍包括哪些

1、可保財產：自有居住房屋；室內(nei)裝(zhuang)修、裝(zhuang)飾及附屬設施；室內(nei)家庭財產。

2、特保財產：

（1）農村家庭存放(fang)在院內的(de)非動力農機(ji)具、農用(yong)工具和已(yi)收獲的(de)農副(fu)產品

（2）個體勞(lao)動者存放在室(shi)內(nei)的(de)營業器具、工(gong)具、原材料(liao)和(he)商品

（3）代(dai)他(ta)人(ren)保管的(de)(de)財(cai)產或與(yu)他(ta)人(ren)共有的(de)(de)財(cai)產

（4）須與保險(xian)人特別(bie)約定才能投保的財產

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)(qiang)制(zhi)(zhi)保(bao)(bao)(bao)險(xian)(xian)(xian)（又(you)稱“法定(ding)保(bao)(bao)(bao)險(xian)(xian)(xian)”）是(shi)由(you)國(guo)家（政府）通過法律或(huo)行政手段強(qiang)(qiang)制(zhi)(zhi)實施的(de)(de)一種保(bao)(bao)(bao)險(xian)(xian)(xian)。強(qiang)(qiang)制(zhi)(zhi)保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)關系雖然也是(shi)產生于(yu)投保(bao)(bao)(bao)人與(yu)保(bao)(bao)(bao)險(xian)(xian)(xian)人之(zhi)間的(de)(de)合(he)同行為，但是(shi)，合(he)同的(de)(de)訂立受制(zhi)(zhi)于(yu)國(guo)家或(huo)政府的(de)(de)法律規(gui)定(ding)。強(qiang)(qiang)制(zhi)(zhi)保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)(de)實施方式有兩(liang)種選擇：—是(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)(de)與(yu)保(bao)(bao)(bao)險(xian)(xian)(xian)人均由(you)法律限(xian)定(ding)；二是(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)(de)由(you)法律限(xian)定(ding)，但投保(bao)(bao)(bao)人可(ke)以自由(you)選擇保(bao)(bao)(bao)險(xian)(xian)(xian)人，如機動車交通事故(gu)責(ze)任強(qiang)(qiang)制(zhi)(zhi)保(bao)(bao)(bao)險(xian)(xian)(xian)。

自愿保險

自(zi)愿(yuan)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)是(shi)在自(zi)愿(yuan)原則下(xia)，投(tou)保(bao)(bao)(bao)(bao)(bao)人與保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人雙方在平等(deng)(deng)的(de)基(ji)礎(chu)上(shang)，通(tong)過訂立保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合同而(er)建立的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)關系(xi)。自(zi)愿(yuan)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)，是(shi)當事人之間自(zi)由決(jue)定、彼此合意后所(suo)建立的(de)合同關系(xi)。投(tou)保(bao)(bao)(bao)(bao)(bao)人可(ke)以(yi)自(zi)由決(jue)定是(shi)否投(tou)保(bao)(bao)(bao)(bao)(bao)、向(xiang)誰投(tou)保(bao)(bao)(bao)(bao)(bao)、中途退保(bao)(bao)(bao)(bao)(bao)等(deng)(deng)，也(ye)可(ke)以(yi)自(zi)由選擇(ze)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)金額、保(bao)(bao)(bao)(bao)(bao)障范圍(wei)、保(bao)(bao)(bao)(bao)(bao)障程度和保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)期限等(deng)(deng)；保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人也(ye)可(ke)以(yi)根據情(qing)況自(zi)愿(yuan)決(jue)定是(shi)否承(cheng)保(bao)(bao)(bao)(bao)(bao)、怎樣承(cheng)保(bao)(bao)(bao)(bao)(bao)等(deng)(deng)。

商業保險按承保方式(shi)分類

按承(cheng)保(bao)(bao)方式分類，可將保(bao)(bao)險(xian)(xian)(xian)分為原保(bao)(bao)險(xian)(xian)(xian)、再保(bao)(bao)險(xian)(xian)(xian)、共同(tong)保(bao)(bao)險(xian)(xian)(xian)和(he)重復(fu)保(bao)(bao)險(xian)(xian)(xian)。

原保險

原(yuan)保(bao)(bao)險(xian)(xian)(xian)是(shi)保(bao)(bao)險(xian)(xian)(xian)人與投保(bao)(bao)人之(zhi)間直接簽訂保(bao)(bao)險(xian)(xian)(xian)合(he)同(tong)而建立(li)保(bao)(bao)險(xian)(xian)(xian)關系的(de)一種保(bao)(bao)險(xian)(xian)(xian)。在原(yuan)保(bao)(bao)險(xian)(xian)(xian)關系中，保(bao)(bao)險(xian)(xian)(xian)需求(qiu)者將(jiang)其風險(xian)(xian)(xian)轉嫁給保(bao)(bao)險(xian)(xian)(xian)人，當保(bao)(bao)險(xian)(xian)(xian)標的(de)遭受保(bao)(bao)險(xian)(xian)(xian)責(ze)任(ren)范圍(wei)內的(de)損失時(shi)，保(bao)(bao)險(xian)(xian)(xian)人直接對(dui)被保(bao)(bao)險(xian)(xian)(xian)人承(cheng)擔賠償或給付責(ze)任(ren)。

再保險

再保(bao)(bao)險(xian)(xian)(xian)(xian)（也(ye)稱“分(fen)保(bao)(bao)”）是(shi)保(bao)(bao)險(xian)(xian)(xian)(xian)人將其所承保(bao)(bao)的風(feng)險(xian)(xian)(xian)(xian)和責任的一部分(fen)或全(quan)部轉移(yi)給其他保(bao)(bao)險(xian)(xian)(xian)(xian)人的一種保(bao)(bao)險(xian)(xian)(xian)(xian)。分(fen)出(chu)業務的是(shi)再保(bao)(bao)險(xian)(xian)(xian)(xian)分(fen)出(chu)人，接(jie)受(shou)分(fen)保(bao)(bao)業務的是(shi)再保(bao)(bao)險(xian)(xian)(xian)(xian)接(jie)受(shou)人。這種風(feng)險(xian)(xian)(xian)(xian)轉嫁方(fang)式(shi)是(shi)保(bao)(bao)險(xian)(xian)(xian)(xian)人對原始風(feng)險(xian)(xian)(xian)(xian)的縱向轉嫁，即第(di)二(er)次(ci)風(feng)險(xian)(xian)(xian)(xian)轉嫁。

共同保險

共(gong)同(tong)(tong)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)（也稱“共(gong)保(bao)(bao)(bao)(bao)(bao)(bao)”）是(shi)(shi)(shi)由幾個(ge)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)聯合(he)直接承保(bao)(bao)(bao)(bao)(bao)(bao)同(tong)(tong)一保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標(biao)(biao)的(de)(de)、同(tong)(tong)一風(feng)險(xian)(xian)(xian)(xian)(xian)、同(tong)(tong)一保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)利益(yi)的(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)。共(gong)同(tong)(tong)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)的(de)(de)各保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)承保(bao)(bao)(bao)(bao)(bao)(bao)金(jin)額的(de)(de)總和不超過保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標(biao)(biao)的(de)(de)的(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)價值(zhi)。在(zai)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)實務中，可(ke)能(neng)是(shi)(shi)(shi)多(duo)個(ge)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)分別與投保(bao)(bao)(bao)(bao)(bao)(bao)人(ren)(ren)簽訂保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合(he)同(tong)(tong)，也可(ke)能(neng)是(shi)(shi)(shi)多(duo)個(ge)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)以某一保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)名(ming)義簽發(fa)一份保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合(he)同(tong)(tong)。與再(zai)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)不同(tong)(tong)，這種(zhong)風(feng)險(xian)(xian)(xian)(xian)(xian)轉嫁(jia)方式是(shi)(shi)(shi)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)對原始風(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)橫(heng)向轉嫁(jia)，它仍屬(shu)于風(feng)險(xian)(xian)(xian)(xian)(xian)的(de)(de)第一次轉嫁(jia)。

重復保險

重(zhong)復保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)是指(zhi)投(tou)保(bao)(bao)(bao)人(ren)以同(tong)(tong)(tong)一(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標(biao)的、同(tong)(tong)(tong)一(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)利益、同(tong)(tong)(tong)一(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)事故(gu)分別(bie)與兩(liang)個或兩(liang)個以上保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)訂立保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合同(tong)(tong)(tong)，且保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金額總和超過保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)價值的保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。與共同(tong)(tong)(tong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)相同(tong)(tong)(tong)，重(zhong)復保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)也(ye)是投(tou)保(bao)(bao)(bao)人(ren)對原始風險(xian)(xian)(xian)(xian)的橫(heng)向(xiang)轉(zhuan)(zhuan)嫁(jia)，也(ye)屬于(yu)風險(xian)(xian)(xian)(xian)的第一(yi)次轉(zhuan)(zhuan)嫁(jia)。

商業按保險經營性質分

商業性保險

商(shang)業保險(xian)(xian)指(zhi)保險(xian)(xian)公司所經營的(de)各類保險(xian)(xian)業務。商(shang)業保險(xian)(xian)以盈利為目(mu)標(biao)，進行獨(du)立經濟核算。

政策性保險

常見(jian)的政(zheng)策(ce)性保(bao)(bao)險(xian)有出口(kou)信用保(bao)(bao)險(xian)、投(tou)資(zi)保(bao)(bao)險(xian)和農為保(bao)(bao)險(xian)等(deng)。與此相比，商業(ye)保(bao)(bao)險(xian)由以(yi)盈利為目的的商業(ye)保(bao)(bao)險(xian)公司舉辦，它們(men)自主(zhu)經營、獨立核算、自負盈虧(kui)，由于(yu)利潤(run)最大化的考慮、通常不會經營政(zheng)策(ce)性保(bao)(bao)險(xian)。