一、財產保險和人身保險分別的定義是什么

1、財產保險

財(cai)產(chan)(chan)保(bao)險有廣義(yi)(yi)與狹(xia)義(yi)(yi)之分。廣義(yi)(yi)財(cai)產(chan)(chan)保(bao)險是指以(yi)財(cai)產(chan)(chan)及其有關的(de)經濟利益和損害賠償責任(ren)為保(bao)險標(biao)的(de)的(de)保(bao)險；狹(xia)義(yi)(yi)財(cai)產(chan)(chan)保(bao)險則是指以(yi)物質(zhi)財(cai)產(chan)(chan)為保(bao)險標(biao)的(de)的(de)保(bao)險。在(zai)保(bao)險實(shi)務(wu)中，后者(zhe)一般稱為財(cai)產(chan)(chan)損失保(bao)險。

《中華人民共(gong)和國保(bao)險(xian)(xian)(xian)(xian)(xian)法》第九(jiu)十五條規定(ding)，財(cai)產(chan)(chan)(chan)保(bao)險(xian)(xian)(xian)(xian)(xian)業務(wu)，包括(kuo)財(cai)產(chan)(chan)(chan)損失保(bao)險(xian)(xian)(xian)(xian)(xian)、責任(ren)保(bao)險(xian)(xian)(xian)(xian)(xian)、信(xin)(xin)用保(bao)險(xian)(xian)(xian)(xian)(xian)、保(bao)證(zheng)保(bao)險(xian)(xian)(xian)(xian)(xian)等(deng)保(bao)險(xian)(xian)(xian)(xian)(xian)業務(wu)。可保(bao)財(cai)產(chan)(chan)(chan)，包括(kuo)物質形(xing)態和非物質形(xing)態的(de)財(cai)產(chan)(chan)(chan)及(ji)其(qi)有(you)關(guan)利益。以物質形(xing)態的(de)財(cai)產(chan)(chan)(chan)及(ji)其(qi)相關(guan)利益作為(wei)保(bao)險(xian)(xian)(xian)(xian)(xian)標的(de)的(de)，通常稱為(wei)財(cai)產(chan)(chan)(chan)損失保(bao)險(xian)(xian)(xian)(xian)(xian)。例如，飛(fei)機、衛星、電(dian)廠、大型工程(cheng)、汽車、船舶、廠房、設備以及(ji)家(jia)庭財(cai)產(chan)(chan)(chan)保(bao)險(xian)(xian)(xian)(xian)(xian)等(deng)。以非物質形(xing)態的(de)財(cai)產(chan)(chan)(chan)及(ji)其(qi)相關(guan)利益作為(wei)保(bao)險(xian)(xian)(xian)(xian)(xian)標的(de)的(de)，通常是指各(ge)種責任(ren)保(bao)險(xian)(xian)(xian)(xian)(xian)、信(xin)(xin)用保(bao)險(xian)(xian)(xian)(xian)(xian)等(deng)。例如，公眾責任(ren)、產(chan)(chan)(chan)品(pin)責任(ren)、雇主責任(ren)、職業責任(ren)、出口(kou)信(xin)(xin)用保(bao)險(xian)(xian)(xian)(xian)(xian)、投資風(feng)險(xian)(xian)(xian)(xian)(xian)保(bao)險(xian)(xian)(xian)(xian)(xian)等(deng)。但是，并非所有(you)的(de)財(cai)產(chan)(chan)(chan)及(ji)其(qi)相關(guan)利益都可以作為(wei)財(cai)產(chan)(chan)(chan)保(bao)險(xian)(xian)(xian)(xian)(xian)的(de)保(bao)險(xian)(xian)(xian)(xian)(xian)標的(de)。只有(you)根(gen)據法律規定(ding)，符合(he)財(cai)產(chan)(chan)(chan)保(bao)險(xian)(xian)(xian)(xian)(xian)合(he)同要(yao)求的(de)財(cai)產(chan)(chan)(chan)及(ji)其(qi)相關(guan)利益，才能成為(wei)財(cai)產(chan)(chan)(chan)保(bao)險(xian)(xian)(xian)(xian)(xian)的(de)保(bao)險(xian)(xian)(xian)(xian)(xian)標的(de)。

2、人身保險

人(ren)身保(bao)(bao)險(xian)，是(shi)以(yi)人(ren)的(de)(de)壽命和身體為保(bao)(bao)險(xian)標的(de)(de)的(de)(de)保(bao)(bao)險(xian)。當人(ren)們遭受不幸(xing)事故(gu)或(huo)(huo)因疾(ji)病、年老(lao)以(yi)致喪(sang)失(shi)工作能力(li)、傷殘、死亡(wang)或(huo)(huo)年老(lao)退休(xiu)時(shi)，根據保(bao)(bao)險(xian)合同的(de)(de)約定，保(bao)(bao)險(xian)人(ren)對被保(bao)(bao)險(xian)人(ren)或(huo)(huo)受益人(ren)給付保(bao)(bao)險(xian)金，以(yi)解決其因病、殘、老(lao)、死所造成(cheng)的(de)(de)經濟困難。人(ren)身保(bao)(bao)險(xian)是(shi)在(zai)社會主(zhu)義制度(du)下，人(ren)身保(bao)(bao)險(xian)是(shi)勞動(dong)者在(zai)遇有不幸(xing)事故(gu)，喪(sang)失(shi)勞動(dong)能力(li)或(huo)(huo)家(jia)庭扶(fu)養人(ren)死亡(wang)時(shi)得到物質保(bao)(bao)證(zheng)的(de)(de)形(xing)式之一。

國(guo)(guo)家統一(yi)(yi)使用的(de)人(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)基金，是(shi)靠投(tou)保(bao)(bao)(bao)(bao)人(ren)的(de)按(an)(an)期繳款(kuan)建立的(de)。人(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)也是(shi)組(zu)織(zhi)居民儲蓄的(de)一(yi)(yi)種特殊形式，在(zai)投(tou)保(bao)(bao)(bao)(bao)人(ren)達到(dao)保(bao)(bao)(bao)(bao)險(xian)(xian)契約所定的(de)年齡時，國(guo)(guo)家給他一(yi)(yi)定金額(e)的(de)款(kuan)項等(deng)等(deng)。人(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)按(an)(an)照(zhao)保(bao)(bao)(bao)(bao)險(xian)(xian)形式，可以分為自愿保(bao)(bao)(bao)(bao)險(xian)(xian)和(he)強制保(bao)(bao)(bao)(bao)險(xian)(xian)；按(an)(an)照(zhao)人(ren)身(shen)發生危(wei)險(xian)(xian)的(de)性(xing)質(zhi)，可以分為人(ren)壽保(bao)(bao)(bao)(bao)險(xian)(xian)和(he)意外傷害保(bao)(bao)(bao)(bao)險(xian)(xian)。

二、財產保險與人身保險有什么區別

1、保險標的（也稱保險對象）不同

人(ren)(ren)身(shen)保(bao)險的(de)保(bao)險標的(de)是人(ren)(ren)的(de)壽命(ming)和身(shen)體。當遭(zao)受不幸事故或(huo)因疾病、年老以致喪失工作能力、傷殘、死(si)亡或(huo)年老退(tui)休時，會給付相應的(de)保(bao)險金。

財產保(bao)(bao)險(xian)(xian)的保(bao)(bao)險(xian)(xian)標(biao)的是(shi)財產及其相關利(li)益，包括(kuo)財產損(sun)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(zheng)保(bao)(bao)險(xian)(xian)、農業保(bao)(bao)險(xian)(xian)等。

2、保額確定方式不同

人(ren)身保(bao)險是以投保(bao)人(ren)根(gen)據自己(ji)的(de)經濟狀況、工作性(xing)質來確定保(bao)險金額的(de)；財產保(bao)險是根(gen)據保(bao)險標的(de)實(shi)際(ji)價(jia)值來確定的(de)，屬(shu)于(yu)補償性(xing)保(bao)險。

3、保險期限不同

一般來說人身保險的保險期限都在1年以上，保險期限較長，計算保費時會考慮利率等因素；財產保險多為(wei)短期（1年(nian)及1年(nian)以內）。財產(chan)保險計算保費時一般(ban)不考慮利率因素。

4、保險性質不同

對于某些人身(shen)保(bao)險(xian)險(xian)種來說具(ju)有(you)一(yi)(yi)定的儲蓄(xu)性，保(bao)單在經過一(yi)(yi)定的時間后(hou)，具(ju)有(you)現金價值(zhi)，投保(bao)人或被保(bao)險(xian)人享(xiang)有(you)保(bao)單抵押貸款等一(yi)(yi)系列權(quan)利，而財產保(bao)險(xian)一(yi)(yi)般不具(ju)有(you)。

人(ren)(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)與財產保(bao)(bao)險(xian)(xian)(xian)的(de)區別(bie)有哪些，大致(zhi)可(ke)(ke)以(yi)(yi)分(fen)為以(yi)(yi)上四種，對(dui)于人(ren)(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)來說還有一(yi)些其他的(de)性(xing)質是財產險(xian)(xian)(xian)不具有的(de)。比如代(dai)位求償(chang)，當損失(shi)由第(di)(di)三(san)方造成時(shi)，保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)在(zai)履行賠償(chang)義(yi)務后(hou)，可(ke)(ke)以(yi)(yi)向第(di)(di)三(san)方責任人(ren)(ren)追償(chang)損失(shi)，但是被保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)可(ke)(ke)以(yi)(yi)；在(zai)人(ren)(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)中，投保(bao)(bao)人(ren)(ren)在(zai)遭受(shou)保(bao)(bao)險(xian)(xian)(xian)事故受(shou)到傷害后(hou)，既(ji)能從(cong)(cong)保(bao)(bao)險(xian)(xian)(xian)公司獲(huo)得保(bao)(bao)險(xian)(xian)(xian)金，又能從(cong)(cong)致(zhi)害人(ren)(ren)那里獲(huo)得賠償(chang)，但保(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)沒有從(cong)(cong)肇事者處索取(qu)賠償(chang)的(de)權利。

單從字面來看的(de)話，人身保(bao)險與財產保(bao)險的(de)區(qu)別(bie)在承(cheng)保(bao)的(de)對象上就有本質(zhi)的(de)區(qu)別(bie)，人身保(bao)險主要承(cheng)保(bao)的(de)是“人”一般不涉(she)及“物(wu)”；財產保(bao)險承(cheng)保(bao)的(de)不僅有“物(wu)”還會涉(she)及到“人”的(de)問題。

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