基本险：包括平安险、水渍险、一切险，是最基础的保障类型。
附加险：在基本险基础上扩展，如偷窃提货不着险、淡水雨淋险、破碎渗漏险等，针对性覆盖特定风险。
特殊附加险：针对战争、罢工、拒收等特殊场景的保障，需单独投保。
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