一、人身保險有哪幾種

人身保險又稱人身險，是以人的生命或身體為保險對象的保險形式，人身保險的(de)種類(lei)眾多(duo)，按照(zhao)不(bu)同的(de)分類(lei)方式可分為不(bu)同類(lei)型：

1、按保障范圍分類

（1）人(ren)壽(shou)保(bao)(bao)(bao)險：簡稱壽(shou)險，是(shi)一(yi)種以人(ren)的生死為(wei)保(bao)(bao)(bao)險對象的保(bao)(bao)(bao)險，是(shi)被保(bao)(bao)(bao)險人(ren)在保(bao)(bao)(bao)險責任(ren)期內生存或死亡(wang)，由保(bao)(bao)(bao)險人(ren)根據(ju)契約規定(ding)給付保(bao)(bao)(bao)險金的一(yi)種保(bao)(bao)(bao)險。

（2）健康保(bao)(bao)險(xian)(xian)(xian)：是以人的(de)(de)身體為保(bao)(bao)險(xian)(xian)(xian)標的(de)(de)，以被保(bao)(bao)險(xian)(xian)(xian)人因疾病或(huo)(huo)意外(wai)傷(shang)(shang)(shang)害(hai)而導致的(de)(de)傷(shang)(shang)(shang)、病風險(xian)(xian)(xian)為保(bao)(bao)險(xian)(xian)(xian)責任，使(shi)被保(bao)(bao)險(xian)(xian)(xian)人因傷(shang)(shang)(shang)、病發生的(de)(de)費用或(huo)(huo)損失得到補償的(de)(de)保(bao)(bao)險(xian)(xian)(xian)。

（3）人身意(yi)外(wai)傷害(hai)保(bao)險(xian)：是以人的身體為(wei)保(bao)險(xian)標(biao)的，以被保(bao)險(xian)人遭受(shou)意(yi)外(wai)傷害(hai)導致的殘疾（或死亡）為(wei)給付條件(jian)的保(bao)險(xian)。

該圖片由注冊用戶"夜話金融街"提供，版權聲明反饋

2、按投保方式分類

（1）個人保險：單(dan)個被保(bao)險人(ren)在自愿選擇的基礎上投(tou)保(bao)人(ren)身保(bao)險稱為(wei)個人(ren)保(bao)險，保(bao)險對象為(wei)個人(ren)；、。

（2）聯合(he)保(bao)險(xian)：將存在一定(ding)利害關系的(de)兩個(ge)或(huo)兩個(ge)以(yi)上的(de)人(ren)(ren)視(shi)為同一個(ge)被(bei)保(bao)險(xian)人(ren)(ren)，如父母、夫(fu)妻、子女、兄弟(di)姐妹或(huo)合(he)作者等多(duo)人(ren)(ren)，作為聯合(he)被(bei)保(bao)險(xian)人(ren)(ren)同時(shi)投(tou)保(bao)的(de)人(ren)(ren)身保(bao)險(xian)稱(cheng)為聯合(he)保(bao)險(xian)。

（3）團(tuan)體(ti)保(bao)險(xian)：以一(yi)份總(zong)的(de)保(bao)險(xian)合同承保(bao)某(mou)一(yi)機關、企業、事業單位或其他團(tuan)體(ti)的(de)全體(ti)或大多數成員的(de)人(ren)身保(bao)險(xian)稱為團(tuan)體(ti)保(bao)險(xian)。

3、按保險期限分類

（1）長(chang)期業務：是保險(xian)(xian)期限(xian)超過一(yi)年的人身保險(xian)(xian)業務.

（2）一(yi)年期(qi)業務(wu)：以(yi)人(ren)身意外傷害保險居多(duo)，健康保險也可以(yi)是(shi)一(yi)年期(qi)業務(wu)。

（3）短期業務(wu)：保險(xian)期限不足一年的人身保險(xian)業務(wu)。

4、按實施方式分類

（1）強制(zhi)人身(shen)保(bao)險：也稱為“法(fa)定人身(shen)保(bao)險”，是(shi)國(guo)家通過立法(fa)規定強制(zhi)實行(xing)的人身(shen)保(bao)險。

（2）自(zi)愿人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)：是人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)雙方當事人(ren)(ren)(ren)在公(gong)平(ping)自(zi)愿的(de)(de)基礎上，通過(guo)訂立人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同自(zi)愿締(di)結保(bao)(bao)(bao)險(xian)(xian)(xian)關系的(de)(de)一種(zhong)(zhong)人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)形式(shi)，保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司可(ke)以選擇被保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)和保(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)(de)，投保(bao)(bao)(bao)人(ren)(ren)(ren)可(ke)以自(zi)由選擇保(bao)(bao)(bao)險(xian)(xian)(xian)公(gong)司、投保(bao)(bao)(bao)的(de)(de)險(xian)(xian)(xian)種(zhong)(zhong)、保(bao)(bao)(bao)險(xian)(xian)(xian)期限和保(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)額。

二、人身保險和人壽保險有什么區別

在購(gou)買(mai)保(bao)險(xian)時經常(chang)會聽到“人(ren)(ren)(ren)壽(shou)保(bao)險(xian)”和“人(ren)(ren)(ren)身(shen)保(bao)險(xian)”這兩個(ge)(ge)詞，可能大(da)部(bu)分(fen)人(ren)(ren)(ren)都不(bu)清楚(chu)他(ta)們具體是什么含義，甚至有人(ren)(ren)(ren)會認為(wei)這兩個(ge)(ge)詞是同(tong)一個(ge)(ge)意思，其實(shi)人(ren)(ren)(ren)身(shen)險(xian)和人(ren)(ren)(ren)壽(shou)險(xian)的區別還是有的。

1、人身險

人(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)（Personal insurance）是以人(ren)(ren)的(de)(de)生命(ming)或(huo)(huo)身(shen)體為(wei)(wei)(wei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標(biao)的(de)(de)，在(zai)被保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)生命(ming)或(huo)(huo)身(shen)體發(fa)生保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)事故或(huo)(huo)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)期滿(man)時，依(yi)照保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合(he)同(tong)的(de)(de)規(gui)定(ding)，由保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)向(xiang)被保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)或(huo)(huo)受益人(ren)(ren)給付(fu)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)金(jin)的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)形式(shi)。人(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)包(bao)括人(ren)(ren)壽保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、傷害保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、健康保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)三(san)種。在(zai)財產保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)中，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)承擔的(de)(de)是保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標(biao)的(de)(de)損(sun)失的(de)(de)賠償(chang)責任，而在(zai)人(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)中，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)承擔的(de)(de)是給付(fu)責任，不問(wen)損(sun)失與否與多少。為(wei)(wei)(wei)此，人(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)通(tong)常(chang)均為(wei)(wei)(wei)定(ding)額保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)。

2、人壽保險

人(ren)(ren)(ren)(ren)壽保(bao)(bao)險(xian)(xian)(xian)(xian)（Life Insurance）是(shi)人(ren)(ren)(ren)(ren)身保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)(de)一種，以(yi)被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的(de)(de)(de)壽命為(wei)保(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)(de)(de)，且以(yi)被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的(de)(de)(de)生(sheng)存或死亡為(wei)給(gei)付條件(jian)的(de)(de)(de)人(ren)(ren)(ren)(ren)身保(bao)(bao)險(xian)(xian)(xian)(xian) 。和所有(you)保(bao)(bao)險(xian)(xian)(xian)(xian)業務一樣(yang)，被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)將風(feng)險(xian)(xian)(xian)(xian)轉嫁給(gei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)，接受保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的(de)(de)(de)條款并支付保(bao)(bao)險(xian)(xian)(xian)(xian)費。與其他(ta)保(bao)(bao)險(xian)(xian)(xian)(xian)不同的(de)(de)(de)是(shi)，人(ren)(ren)(ren)(ren)壽保(bao)(bao)險(xian)(xian)(xian)(xian)轉嫁的(de)(de)(de)是(shi)被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的(de)(de)(de)生(sheng)存或者死亡的(de)(de)(de)風(feng)險(xian)(xian)(xian)(xian)。