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(yu)保(bao)(bao)險(xian)合同(tong)保(bao)(bao)障的(de)意外(wai)事(shi)故遭受傷害導致損失時，保(bao)(bao)險(xian)公司會依據保(bao)(bao)險(xian)合同(tong)的(de)約定賠付意外(wai)保(bao)(bao)險(xian)金。

（2）壽險：壽(shou)險(xian)還能細分為(wei)定期壽(shou)險(xian)、終身(shen)壽(shou)險(xian)、兩全保險(xian)、年金保險(xian)，當被保者生存到約定的時(shi)間(jian)或(huo)在(zai)約定的時(shi)間(jian)內身(shen)故的，保險(xian)公(gong)司會給付(fu)一(yi)筆錢給保險(xian)受益人。

（3）健康保險：還可(ke)分為重大疾(ji)病保(bao)險(xian)、住(zhu)院醫療保(bao)險(xian)、意(yi)外(wai)傷害(hai)醫療保(bao)險(xian)等(deng)，其保(bao)險(xian)標(biao)的是人的身(shen)體，當(dang)被保(bao)者發生保(bao)險(xian)合同保(bao)障的疾(ji)病或意(yi)外(wai)事故所(suo)產(chan)生費用或損失時(shi)，保(bao)險(xian)公司會承(cheng)擔事先約(yue)定(ding)的保(bao)險(xian)金的給付義務。

按保險期間的不同分類

人(ren)身保(bao)險可以(yi)分(fen)為保(bao)障期(qi)在一年(nian)(nian)以(yi)下的短險以(yi)及(ji)保(bao)障期(qi)超過(guo)1年(nian)(nian)的長期(qi)險（如保(bao)障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(you)團(tuan)體(ti)保(bao)(bao)險(xian)和個人(ren)保(bao)(bao)險(xian)之(zhi)分。團(tuan)體(ti)保(bao)(bao)險(xian)一般(ban)是(shi)單位或企業給自身的全(quan)體(ti)職工(gong)配置的，保(bao)(bao)單只有(you)一張，被(bei)保(bao)(bao)者(zhe)一般(ban)是(shi)5人(ren)以上。個人(ren)保(bao)(bao)險(xian)是(shi)指被(bei)保(bao)(bao)者(zhe)為1人(ren)的產品，一般(ban)是(shi)家(jia)庭成員配置的。

按分紅紅利分類

人(ren)身保(bao)(bao)險(xian)(xian)可分為分紅(hong)保(bao)(bao)險(xian)(xian)和(he)消費(fei)型保(bao)(bao)險(xian)(xian)。分紅(hong)保(bao)(bao)險(xian)(xian)是指保(bao)(bao)險(xian)(xian)公司會把經(jing)營所得的(de)可分配(pei)盈余按照一定的(de)比(bi)例分配(pei)給(gei)保(bao)(bao)單持有(you)人(ren)的(de)險(xian)(xian)種。消費(fei)型保(bao)(bao)險(xian)(xian)也即到期若沒有(you)保(bao)(bao)險(xian)(xian)事故發生(sheng)的(de)保(bao)(bao)費(fei)不(bu)返還，只有(you)在保(bao)(bao)障(zhang)期間(jian)內發生(sheng)保(bao)(bao)險(xian)(xian)事故才能(neng)獲賠。

人壽保險

保障范圍

人(ren)(ren)(ren)(ren)(ren)壽(shou)保(bao)(bao)(bao)險(xian)(xian)是(shi)人(ren)(ren)(ren)(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)(ren)(ren)(ren)的(de)(de)壽(shou)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)(ren)(ren)(ren)的(de)(de)生(sheng)存或(huo)死亡為(wei)給(gei)付條件的(de)(de)人(ren)(ren)(ren)(ren)(ren)身保(bao)(bao)(bao)險(xian)(xian)。也(ye)就是(shi)說被保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)(ren)(ren)發(fa)生(sheng)保(bao)(bao)(bao)險(xian)(xian)事(shi)故(gu)時，保(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)(ren)(ren)會支付保(bao)(bao)(bao)險(xian)(xian)費。

壽險險種

1、定期人壽：定期人壽保(bao)(bao)(bao)險(xian)(xian)就是(shi)約(yue)定一(yi)個保(bao)(bao)(bao)險(xian)(xian)期限，如(ru)(ru)果被(bei)保(bao)(bao)(bao)險(xian)(xian)人在(zai)(zai)約(yue)定期限里死亡，保(bao)(bao)(bao)險(xian)(xian)公司會向保(bao)(bao)(bao)險(xian)(xian)受益人賠付保(bao)(bao)(bao)險(xian)(xian)金；如(ru)(ru)果被(bei)保(bao)(bao)(bao)險(xian)(xian)人沒(mei)有(you)在(zai)(zai)約(yue)定期限里死亡，那么也(ye)就這樣了，保(bao)(bao)(bao)險(xian)(xian)公司既不(bu)進行(xing)賠付，也(ye)不(bu)退還保(bao)(bao)(bao)費。

2、終身人壽：終身人(ren)壽保(bao)(bao)(bao)險(xian)(xian)是(shi)在被保(bao)(bao)(bao)險(xian)(xian)人(ren)死亡之后，保(bao)(bao)(bao)險(xian)(xian)公司向保(bao)(bao)(bao)險(xian)(xian)受(shou)益人(ren)進行(xing)賠付(fu)的保(bao)(bao)(bao)險(xian)(xian)，但是(shi)終身人(ren)壽保(bao)(bao)(bao)險(xian)(xian)沒(mei)有約定(ding)期限。由于人(ren)是(shi)一(yi)(yi)定(ding)會(hui)死的，所以保(bao)(bao)(bao)險(xian)(xian)公司最終一(yi)(yi)定(ding)會(hui)進行(xing)賠付(fu)。

3、生存保險：生存(cun)保(bao)險要(yao)求被保(bao)險人一定要(yao)活(huo)到之前(qian)約定的(de)期限。如(ru)果(guo)在到期之前(qian)，被保(bao)險人就死亡了(le)，那(nei)么保(bao)險公司(si)既不會(hui)進行賠償(chang)，也(ye)不會(hui)退(tui)回保(bao)費(fei)。

4、生死兩全：生(sheng)(sheng)死(si)兩全保(bao)(bao)險(xian)(xian)(xian)是將定(ding)期人(ren)壽保(bao)(bao)險(xian)(xian)(xian)和生(sheng)(sheng)存保(bao)(bao)險(xian)(xian)(xian)進(jin)行(xing)組合(he)之后得(de)到(dao)的保(bao)(bao)險(xian)(xian)(xian)。如果(guo)(guo)被(bei)保(bao)(bao)險(xian)(xian)(xian)人(ren)在約定(ding)的期限(xian)里死(si)亡(wang)，保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)會向(xiang)保(bao)(bao)險(xian)(xian)(xian)受益人(ren)進(jin)行(xing)賠付；如果(guo)(guo)被(bei)保(bao)(bao)險(xian)(xian)(xian)人(ren)活到(dao)了約定(ding)期限(xian)結束(shu)，保(bao)(bao)險(xian)(xian)(xian)公(gong)司(si)會向(xiang)被(bei)保(bao)(bao)險(xian)(xian)(xian)人(ren)發(fa)放生(sheng)(sheng)存金。

5、養老保險：養老保(bao)(bao)險(xian)是將生存保(bao)(bao)險(xian)和死亡保(bao)(bao)險(xian)進行組合之后得到的保(bao)(bao)險(xian)。不管(guan)被保(bao)(bao)險(xian)人在約(yue)定(ding)期限里是死是活，保(bao)(bao)險(xian)公司都會(hui)進行相應的賠付(fu)。

壽險多少歲不能買

每(mei)種(zhong)(zhong)險種(zhong)(zhong)都有自己的(de)投保(bao)規(gui)(gui)則，對(dui)(dui)于(yu)年(nian)齡的(de)限(xian)制，都不一樣。一般(ban)情況下，對(dui)(dui)于(yu)壽險規(gui)(gui)劃，60歲，基(ji)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(bao)(bao)障的(de)內容(rong)主(zhu)要有兩(liang)種，一(yi)種是因疾病或意外(wai)保(bao)(bao)險(xian)事(shi)故而(er)產(chan)(chan)生的(de)醫療費(fei)用(yong)，一(yi)類是因疾病或意外(wai)保(bao)(bao)險(xian)事(shi)故而(er)產(chan)(chan)生的(de)其他損(sun)失。

健康險險種分類

分為醫療(liao)保險(xian)、疾病保險(xian)、收入保障線、護理保險(xian)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、死亡給付(fu)(fu)：被保(bao)險人遭受意外傷害(hai)造成死亡時，保(bao)險人給付(fu)(fu)死亡保(bao)險金。

2、殘廢給付(fu)：被(bei)保險(xian)人因遭受意外(wai)傷害造(zao)成殘廢時，保險(xian)人按(an)照傷殘等(deng)級支付(fu)不同(tong)的保險(xian)金(jin)。

3、醫療給付：被(bei)保(bao)險人(ren)(ren)因遭受意(yi)外傷(shang)害支出醫療費時，保(bao)險人(ren)(ren)根據實際情況酌情給付。

4、停工(gong)(gong)給付(fu)：被保(bao)險人因意外(wai)傷害暫時喪失(shi)勞動能力，不能工(gong)(gong)作時，保(bao)險人給付(fu)停工(gong)(gong)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(ye)財(cai)產(chan)按是否可(ke)保(bao)的標準可(ke)以分為三類，即可(ke)保(bao)財(cai)產(chan)、特約可(ke)保(bao)財(cai)產(chan)和(he)不保(bao)財(cai)產(chan)。

費率一般多少

投(tou)保(bao)財產(chan)險(xian)需要提供(gong)“資(zi)產(chan)負債(zhai)表”，根據財產(chan)總額(e)和投(tou)保(bao)對象再測算出保(bao)費(fei)。基本險(xian)、財產(chan)綜合險(xian)、財產(chan)一切險(xian)的費(fei)率由底(di)到(dao)高，平均(jun)費(fei)率在千分之1.2左右。

企業財產保險賠率

1、全部損失。受(shou)損財產的保險(xian)(xian)金額(e)等(deng)于(yu)或高(gao)于(yu)保險(xian)(xian)價(jia)值時，其賠償金額(e)以不超(chao)過保險(xian)(xian)價(jia)值為限;保險(xian)(xian)金額(e)低(di)于(yu)保險(xian)(xian)價(jia)值時，按保險(xian)(xian)金額(e)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

保險金額由被保險人根據保險財產的(de)實際(ji)價(jia)值確定，并且(qie)按照保險單上(shang)規定的(de)保險財產項目分別列明。

保險范圍包括哪些

1、可保財產：自有居住房屋；室(shi)內裝修、裝飾(shi)及(ji)附屬設施；室(shi)內家庭財產。

2、特保財產：

（1）農村家庭存(cun)放在院內的非動力農機(ji)具(ju)、農用工具(ju)和已收獲的農副(fu)產品

（2）個體勞動者存放在室內的營業(ye)器具、工具、原材(cai)料(liao)和商品

（3）代他人保管的財產(chan)或與他人共有的財產(chan)

（4）須與保(bao)險人特別(bie)約定才能投保(bao)的財(cai)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

強制保(bao)(bao)險(xian)（又稱“法(fa)定保(bao)(bao)險(xian)”）是(shi)(shi)由(you)(you)(you)國家(jia)（政(zheng)府）通(tong)過法(fa)律(lv)或行(xing)政(zheng)手段(duan)強制實施(shi)的(de)(de)一種(zhong)保(bao)(bao)險(xian)。強制保(bao)(bao)險(xian)的(de)(de)保(bao)(bao)險(xian)關系(xi)雖然也(ye)是(shi)(shi)產生于投(tou)保(bao)(bao)人與保(bao)(bao)險(xian)人之間的(de)(de)合同行(xing)為，但是(shi)(shi)，合同的(de)(de)訂立受制于國家(jia)或政(zheng)府的(de)(de)法(fa)律(lv)規定。強制保(bao)(bao)險(xian)的(de)(de)實施(shi)方式(shi)有兩種(zhong)選擇：—是(shi)(shi)保(bao)(bao)險(xian)標(biao)的(de)(de)與保(bao)(bao)險(xian)人均由(you)(you)(you)法(fa)律(lv)限定；二是(shi)(shi)保(bao)(bao)險(xian)標(biao)的(de)(de)由(you)(you)(you)法(fa)律(lv)限定，但投(tou)保(bao)(bao)人可以自由(you)(you)(you)選擇保(bao)(bao)險(xian)人，如機動車交通(tong)事故責任(ren)強制保(bao)(bao)險(xian)。

自愿保險

自愿(yuan)保(bao)(bao)(bao)險是(shi)(shi)在自愿(yuan)原則(ze)下，投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)(ren)與(yu)保(bao)(bao)(bao)險人(ren)(ren)(ren)(ren)雙方在平(ping)等的(de)基礎上，通(tong)過(guo)訂(ding)立保(bao)(bao)(bao)險合(he)同而建立的(de)保(bao)(bao)(bao)險關系。自愿(yuan)保(bao)(bao)(bao)險的(de)保(bao)(bao)(bao)險關系，是(shi)(shi)當(dang)事人(ren)(ren)(ren)(ren)之間自由決定、彼(bi)此合(he)意(yi)后(hou)所建立的(de)合(he)同關系。投(tou)保(bao)(bao)(bao)人(ren)(ren)(ren)(ren)可以(yi)(yi)自由決定是(shi)(shi)否(fou)(fou)投(tou)保(bao)(bao)(bao)、向誰投(tou)保(bao)(bao)(bao)、中途退(tui)保(bao)(bao)(bao)等，也可以(yi)(yi)自由選擇保(bao)(bao)(bao)險金額(e)、保(bao)(bao)(bao)障(zhang)范圍、保(bao)(bao)(bao)障(zhang)程度和保(bao)(bao)(bao)險期限(xian)等；保(bao)(bao)(bao)險人(ren)(ren)(ren)(ren)也可以(yi)(yi)根據情(qing)況自愿(yuan)決定是(shi)(shi)否(fou)(fou)承保(bao)(bao)(bao)、怎樣承保(bao)(bao)(bao)等。

商業保險按承保方式(shi)分類

按承保(bao)方式分(fen)類，可將保(bao)險(xian)分(fen)為原保(bao)險(xian)、再保(bao)險(xian)、共(gong)同(tong)保(bao)險(xian)和重復保(bao)險(xian)。

原保險

原(yuan)保(bao)險(xian)(xian)(xian)是保(bao)險(xian)(xian)(xian)人與(yu)投保(bao)人之間(jian)直接簽(qian)訂保(bao)險(xian)(xian)(xian)合同而建立保(bao)險(xian)(xian)(xian)關系的(de)(de)一種(zhong)保(bao)險(xian)(xian)(xian)。在原(yuan)保(bao)險(xian)(xian)(xian)關系中，保(bao)險(xian)(xian)(xian)需(xu)求者將(jiang)其風險(xian)(xian)(xian)轉(zhuan)嫁給(gei)保(bao)險(xian)(xian)(xian)人，當保(bao)險(xian)(xian)(xian)標的(de)(de)遭受保(bao)險(xian)(xian)(xian)責(ze)任(ren)范圍內(nei)的(de)(de)損失時，保(bao)險(xian)(xian)(xian)人直接對被保(bao)險(xian)(xian)(xian)人承(cheng)擔賠償或給(gei)付責(ze)任(ren)。

再保險

再保(bao)險(xian)(xian)（也稱“分(fen)保(bao)”）是保(bao)險(xian)(xian)人(ren)將(jiang)其所承保(bao)的風(feng)險(xian)(xian)和責任(ren)的一部分(fen)或全部轉(zhuan)移給其他保(bao)險(xian)(xian)人(ren)的一種(zhong)保(bao)險(xian)(xian)。分(fen)出業務的是再保(bao)險(xian)(xian)分(fen)出人(ren)，接(jie)受分(fen)保(bao)業務的是再保(bao)險(xian)(xian)接(jie)受人(ren)。這種(zhong)風(feng)險(xian)(xian)轉(zhuan)嫁方式是保(bao)險(xian)(xian)人(ren)對原始風(feng)險(xian)(xian)的縱向轉(zhuan)嫁，即第(di)二次(ci)風(feng)險(xian)(xian)轉(zhuan)嫁。

共同保險

共同(tong)(tong)(tong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)（也(ye)稱“共保(bao)(bao)(bao)”）是(shi)(shi)由幾個(ge)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)聯合直接承保(bao)(bao)(bao)同(tong)(tong)(tong)一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)、同(tong)(tong)(tong)一(yi)(yi)風(feng)險(xian)(xian)(xian)(xian)、同(tong)(tong)(tong)一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)利益的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)。共同(tong)(tong)(tong)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)各保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)承保(bao)(bao)(bao)金額的(de)總和不超過保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)的(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)價值。在(zai)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)實務中，可(ke)(ke)能是(shi)(shi)多個(ge)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)分別與投保(bao)(bao)(bao)人(ren)(ren)簽(qian)訂保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合同(tong)(tong)(tong)，也(ye)可(ke)(ke)能是(shi)(shi)多個(ge)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)以(yi)某(mou)一(yi)(yi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)名義簽(qian)發一(yi)(yi)份保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合同(tong)(tong)(tong)。與再(zai)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)不同(tong)(tong)(tong)，這種風(feng)險(xian)(xian)(xian)(xian)轉(zhuan)嫁(jia)方式是(shi)(shi)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)對原始風(feng)險(xian)(xian)(xian)(xian)的(de)橫(heng)向轉(zhuan)嫁(jia)，它仍屬于(yu)風(feng)險(xian)(xian)(xian)(xian)的(de)第(di)一(yi)(yi)次轉(zhuan)嫁(jia)。

重復保險

重(zhong)復保(bao)(bao)險(xian)(xian)(xian)是指投(tou)保(bao)(bao)人以(yi)同(tong)(tong)一(yi)(yi)保(bao)(bao)險(xian)(xian)(xian)標的、同(tong)(tong)一(yi)(yi)保(bao)(bao)險(xian)(xian)(xian)利益、同(tong)(tong)一(yi)(yi)保(bao)(bao)險(xian)(xian)(xian)事故分別與(yu)兩(liang)個(ge)或兩(liang)個(ge)以(yi)上保(bao)(bao)險(xian)(xian)(xian)人訂(ding)立(li)保(bao)(bao)險(xian)(xian)(xian)合同(tong)(tong)，且保(bao)(bao)險(xian)(xian)(xian)金(jin)額總和超過保(bao)(bao)險(xian)(xian)(xian)價值的保(bao)(bao)險(xian)(xian)(xian)。與(yu)共同(tong)(tong)保(bao)(bao)險(xian)(xian)(xian)相同(tong)(tong)，重(zhong)復保(bao)(bao)險(xian)(xian)(xian)也是投(tou)保(bao)(bao)人對原始風險(xian)(xian)(xian)的橫向轉嫁(jia)，也屬于風險(xian)(xian)(xian)的第(di)一(yi)(yi)次轉嫁(jia)。

商業按保險經營性質分

商業性保險

商(shang)業(ye)保險指保險公司所經營的各(ge)類保險業(ye)務。商(shang)業(ye)保險以盈利(li)為(wei)目(mu)標，進行(xing)獨立經濟(ji)核(he)算(suan)。

政策性保險

常見的(de)(de)政策性保(bao)險(xian)有出口信用保(bao)險(xian)、投資保(bao)險(xian)和農為保(bao)險(xian)等。與(yu)此相比(bi)，商業(ye)(ye)保(bao)險(xian)由以盈利為目的(de)(de)的(de)(de)商業(ye)(ye)保(bao)險(xian)公司舉(ju)辦，它(ta)們(men)自主經營、獨立核算、自負盈虧，由于利潤(run)最(zui)大化(hua)的(de)(de)考慮、通常不會經營政策性保(bao)險(xian)。