1. Insurance contracts can be divided into property insurance contracts and life insurance contracts according to different objects.
Property insurance contract: an insurance contract with property and its related interests as the subject matter of insurance. The objects involved in property insurance contracts include tangible property and intangible property, so tangible property insurance contracts, such as enterprise property insurance contracts, take tangible property as the contract object; Intangible property insurance contracts, such as liability insurance contracts and credit insurance contracts, are all based on intangible property.
Personal insurance contract: it is an insurance contract with human life and body as the insurance object. Because of the different risks guaranteed by life insurance contracts, they can be divided into life insurance contracts, accident insurance contracts and health insurance contracts.
2. According to whether the insurance value is determined when the insurance contract is concluded, it can be divided into fixed value insurance contracts and non-fixed value insurance contracts.
Fixed-value insurance contract: refers to an insurance contract in which the parties to the insurance contract agree on the insured value of the subject matter in advance and clearly stipulate the insured amount in the contract.
An unvalued insurance contract refers to a contract that only states the insured amount of the subject matter insured but not its insured value. In an unvalued insurance contract, only the insured amount is stated as the maximum compensation amount, while the insured value of the insured object is in an uncertain state. Property insurance mostly adopts unvalued insurance contracts. Generally speaking, property losses are based on the principle of compensation for actual losses. Therefore, an unvalued insurance contract usually takes the actual value of the insured object as the basis for determining the amount of loss.
3. According to the different nature of the insurance premium paid by the insurer, it can be divided into compensatory insurance contract and payment insurance contract.
Compensatory insurance contract: refers to the contract that the insurer pays the insurance premium after verifying the actual loss of the subject matter insured according to the requirements of the insured when an insurance accident occurs. Property insurance contracts are mostly compensatory insurance contracts, especially unvalued insurance contracts.
Payment insurance contract: refers to a contract in which the insurer and the applicant negotiate to determine a certain amount of insurance, and when an insurance accident occurs, the insurer has the obligation to pay all the insurance benefits. This kind of insurance contract is mostly adopted by life insurance.
4. According to the different insurance coverage, it can be divided into specific risk contracts and comprehensive risk contracts.
Specific risk insurance contract: refers to an insurance contract covering one or more risks, usually in the form of enumeration, such as earthquake insurance or war insurance.
A comprehensive insurance contract refers to a contract in which the insurer is liable for the damage caused by any danger except "exemption". The conclusion of this contract is characterized by specifying the dangerous situations in which the insurance contract is applicable in the form of listing "exemption from liability".
5. According to different insurance contracts, it can be divided into specific contracts, blanket contracts, mobile contracts and appointment contracts.
Specific contract: refers to an insurance contract in which the insurer only underwrites the specific subject matter agreed in advance.
All-inclusive contract: refers to an insurance contract that only stipulates that the insurer can underwrite a certain type of insurance subject matter, but does not classify such insurance subject matter.
Mobile contract: refers to an insurance contract applicable to frequent property changes.
Appointment contract: also known as open contract, is a long-term agreement reached between the insurer and the insured on the scope of insurance liability in advance. The insurance company underwrites automatically.
6. According to different contract subjects, it can be divided into original insurance contract and reinsurance contract.
Original insurance contract: refers to the agreement reached between the insured and the insurer on insurance rights and obligations.
Reinsurance contract: refers to the agreement reached by the transferor and transferee of an insurance contract on the sharing of insurance liability, stipulating the insurance rights and obligations.