根(gen)據(ju)保(bao)險(xian)(xian)標(biao)的(de)不(bu)同，保(bao)險(xian)(xian)可分為人身保(bao)險(xian)(xian)和財產保(bao)險(xian)(xian)兩大類(lei)。
人身(shen)保險(xian)是以(yi)(yi)人的壽(shou)命和身(shen)體為保險(xian)標的的保險(xian)。當人們遭受不(bu)幸事故或(huo)因(yin)疾病、年老(lao)以(yi)(yi)致喪(sang)失工作能力、傷(shang)殘、死(si)亡或(huo)年老(lao)退休后，根據(ju)保險(xian)合同的規定，保險(xian)人對被保險(xian)人或(huo)受益(yi)人給付保險(xian)金(jin)(jin)或(huo)年金(jin)(jin)，以(yi)(yi)解(jie)決病、殘、老(lao)、死(si)所(suo)造(zao)成的經濟困難(nan)。
從廣義上講，財(cai)產保(bao)(bao)險(xian)(xian)(xian)是(shi)指(zhi)除人身保(bao)(bao)險(xian)(xian)(xian)外的(de)(de)其他一切(qie)險(xian)(xian)(xian)種(zhong)，包(bao)括財(cai)產損失保(bao)(bao)險(xian)(xian)(xian)、責(ze)任保(bao)(bao)險(xian)(xian)(xian)、信用(yong)保(bao)(bao)險(xian)(xian)(xian)、保(bao)(bao)證保(bao)(bao)險(xian)(xian)(xian)、農業(ye)保(bao)(bao)險(xian)(xian)(xian)等(deng)。它是(shi)以有形(xing)或無形(xing)財(cai)產及其相關(guan)利(li)益為保(bao)(bao)險(xian)(xian)(xian)標的(de)(de)的(de)(de)一類實償性(xing)保(bao)(bao)險(xian)(xian)(xian)。 與社會保(bao)(bao)(bao)險(xian)(xian)(xian)相對應，商(shang)(shang)業保(bao)(bao)(bao)險(xian)(xian)(xian)通過訂立保(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同(tong)、以盈利為目的(de)(de)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)形式,由專門的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)企業經(jing)營。商(shang)(shang)業保(bao)(bao)(bao)險(xian)(xian)(xian)關(guan)系是由當事(shi)人自愿締結的(de)(de)合(he)同(tong)關(guan)系,投保(bao)(bao)(bao)人根據(ju)合(he)同(tong)約(yue)定,向保(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)支(zhi)付(fu)保(bao)(bao)(bao)險(xian)(xian)(xian)費,保(bao)(bao)(bao)險(xian)(xian)(xian)公司(si)根據(ju)合(he)同(tong)約(yue)定的(de)(de)可能(neng)發生的(de)(de)事(shi)故因其發生所造(zao)成的(de)(de)財產損失(shi)承擔(dan)(dan)賠(pei)償保(bao)(bao)(bao)險(xian)(xian)(xian)金責任,或者(zhe)當被保(bao)(bao)(bao)險(xian)(xian)(xian)人死亡、傷殘、疾病(bing)或達(da)到約(yue)定的(de)(de)年齡、期(qi)限時(shi)承擔(dan)(dan)給付(fu)保(bao)(bao)(bao)險(xian)(xian)(xian)金責任。
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