根據保(bao)(bao)險(xian)標(biao)的(de)不同，保(bao)(bao)險(xian)可分為(wei)財產保(bao)(bao)險(xian)和人(ren)身保(bao)(bao)險(xian)兩(liang)大類(lei)。

財(cai)產(chan)保(bao)險(xian)(xian)(xian)是指以(yi)財(cai)產(chan)及其相關利益(yi)為保(bao)險(xian)(xian)(xian)標的(de)的(de)保(bao)險(xian)(xian)(xian)，包括財(cai)產(chan)損失保(bao)險(xian)(xian)(xian)、責任保(bao)險(xian)(xian)(xian)、信用保(bao)險(xian)(xian)(xian)、保(bao)證(zheng)保(bao)險(xian)(xian)(xian)、農業保(bao)險(xian)(xian)(xian)等。它(ta)是以(yi)有(you)形(xing)(xing)或無形(xing)(xing)財(cai)產(chan)及其相關利益(yi)為保(bao)險(xian)(xian)(xian)標的(de)的(de)一類補償性(xing)保(bao)險(xian)(xian)(xian)。

人身保險(xian)是以(yi)人的壽命和(he)身體為保險(xian)標的的保險(xian)。當人們遭受不幸事故或因疾病(bing)、年(nian)老以(yi)致(zhi)喪失工作能力、傷(shang)殘、死亡或年(nian)老退(tui)休時(shi)，根據保險(xian)合同的約定，保險(xian)人對(dui)被保險(xian)人或受益人給付(fu)保險(xian)金或年(nian)金。

財產保險費的構成

同(tong)其他險(xian)種保(bao)險(xian)費構成(cheng)一(yi)樣，是由一(yi)定(ding)的保(bao)險(xian)金額(e)，一(yi)定(ding)的保(bao)險(xian)費率，一(yi)定(ding)的保(bao)險(xian)期限(xian)構成(cheng)，其計算公式為：商業(ye)財產保(bao)險(xian)費=保(bao)險(xian)金額(e)×保(bao)險(xian)費率×保(bao)險(xian)期限(xian)

保(bao)險(xian)(xian)費(fei)(fei)的數額(e)(e)(e)與保(bao)險(xian)(xian)金額(e)(e)(e)大小(xiao)，保(bao)險(xian)(xian)費(fei)(fei)率的高(gao)低，保(bao)險(xian)(xian)期(qi)限(xian)的長(chang)短(duan)成(cheng)正比例。保(bao)險(xian)(xian)金額(e)(e)(e)越大，保(bao)險(xian)(xian)費(fei)(fei)率越高(gao)，保(bao)險(xian)(xian)期(qi)限(xian)越長(chang)，則保(bao)險(xian)(xian)費(fei)(fei)越多。