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，按照不同的(de)分類(lei)方式(shi)可分為不同類(lei)型：

1、按保障范圍分類

（1）人壽保(bao)險(xian)(xian)(xian)(xian)：簡稱壽險(xian)(xian)(xian)(xian)，是一種以人的生死為保(bao)險(xian)(xian)(xian)(xian)對(dui)象的保(bao)險(xian)(xian)(xian)(xian)，是被保(bao)險(xian)(xian)(xian)(xian)人在保(bao)險(xian)(xian)(xian)(xian)責任期(qi)內(nei)生存或死亡，由保(bao)險(xian)(xian)(xian)(xian)人根據契約規定給付保(bao)險(xian)(xian)(xian)(xian)金(jin)的一種保(bao)險(xian)(xian)(xian)(xian)。

（2）健康保(bao)(bao)險(xian)：是以人(ren)的(de)身體為保(bao)(bao)險(xian)標的(de)，以被(bei)保(bao)(bao)險(xian)人(ren)因疾病或(huo)意外(wai)傷(shang)害而(er)導(dao)致的(de)傷(shang)、病風險(xian)為保(bao)(bao)險(xian)責任，使(shi)被(bei)保(bao)(bao)險(xian)人(ren)因傷(shang)、病發生(sheng)的(de)費用或(huo)損失得到補(bu)償的(de)保(bao)(bao)險(xian)。

（3）人身(shen)意外(wai)傷害保(bao)(bao)(bao)險：是以人的身(shen)體為(wei)保(bao)(bao)(bao)險標的，以被保(bao)(bao)(bao)險人遭受(shou)意外(wai)傷害導致的殘疾(ji)（或死亡）為(wei)給(gei)付條件(jian)的保(bao)(bao)(bao)險。

2、按投保方式分類

（1）個人保險：單個被保(bao)(bao)險人(ren)在自(zi)愿選擇的基礎上投保(bao)(bao)人(ren)身保(bao)(bao)險稱為個人(ren)保(bao)(bao)險，保(bao)(bao)險對象(xiang)為個人(ren)；、。

（2）聯(lian)合(he)(he)保(bao)險(xian)：將存在(zai)一定利害關(guan)系的兩(liang)個(ge)(ge)或兩(liang)個(ge)(ge)以上的人視(shi)為同(tong)一個(ge)(ge)被保(bao)險(xian)人，如(ru)父母、夫妻、子女、兄(xiong)弟姐妹或合(he)(he)作者等多人，作為聯(lian)合(he)(he)被保(bao)險(xian)人同(tong)時投保(bao)的人身保(bao)險(xian)稱為聯(lian)合(he)(he)保(bao)險(xian)。

（3）團(tuan)體(ti)保(bao)(bao)(bao)險(xian)(xian)：以一(yi)(yi)份總的保(bao)(bao)(bao)險(xian)(xian)合同承保(bao)(bao)(bao)某一(yi)(yi)機關、企業(ye)、事(shi)業(ye)單(dan)位(wei)或(huo)(huo)其(qi)他團(tuan)體(ti)的全體(ti)或(huo)(huo)大多數(shu)成員的人身保(bao)(bao)(bao)險(xian)(xian)稱(cheng)為(wei)團(tuan)體(ti)保(bao)(bao)(bao)險(xian)(xian)。

3、按保險期限分類

（1）長期業(ye)務：是保(bao)險期限(xian)超過(guo)一年(nian)的(de)人身保(bao)險業(ye)務.

（2）一(yi)年期業(ye)務(wu)：以人身意外(wai)傷害保險居(ju)多，健康保險也可以是(shi)一(yi)年期業(ye)務(wu)。

（3）短期(qi)業(ye)務：保險期(qi)限不足一年(nian)的人身(shen)保險業(ye)務。

4、按實施方式分類

（1）強(qiang)制人(ren)身(shen)保險：也(ye)稱為“法(fa)定(ding)人(ren)身(shen)保險”，是國家(jia)通過立法(fa)規定(ding)強(qiang)制實行的人(ren)身(shen)保險。

（2）自(zi)(zi)愿人(ren)(ren)身保(bao)(bao)(bao)(bao)(bao)險(xian)：是人(ren)(ren)身保(bao)(bao)(bao)(bao)(bao)險(xian)雙方(fang)當事(shi)人(ren)(ren)在公(gong)平自(zi)(zi)愿的基礎(chu)上，通過訂立人(ren)(ren)身保(bao)(bao)(bao)(bao)(bao)險(xian)合同(tong)自(zi)(zi)愿締結保(bao)(bao)(bao)(bao)(bao)險(xian)關系的一種人(ren)(ren)身保(bao)(bao)(bao)(bao)(bao)險(xian)形式，保(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)(si)可以(yi)選(xuan)擇被保(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)(ren)和保(bao)(bao)(bao)(bao)(bao)險(xian)標的，投(tou)保(bao)(bao)(bao)(bao)(bao)人(ren)(ren)可以(yi)自(zi)(zi)由選(xuan)擇保(bao)(bao)(bao)(bao)(bao)險(xian)公(gong)司(si)(si)、投(tou)保(bao)(bao)(bao)(bao)(bao)的險(xian)種、保(bao)(bao)(bao)(bao)(bao)險(xian)期(qi)限(xian)和保(bao)(bao)(bao)(bao)(bao)險(xian)金額。

二、人身保險和人壽保險有什么區別

在購買保險時(shi)經常會(hui)聽到“人(ren)(ren)壽(shou)保險”和“人(ren)(ren)身保險”這兩個詞，可能大部分(fen)人(ren)(ren)都(dou)不(bu)清(qing)楚(chu)他們具體是什么(me)含(han)義，甚(shen)至有人(ren)(ren)會(hui)認為這兩個詞是同一個意思，其(qi)實人(ren)(ren)身險和人(ren)(ren)壽(shou)險的區別還是有的。

1、人身險

人(ren)(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險（Personal insurance）是(shi)以人(ren)(ren)(ren)(ren)的(de)生(sheng)命(ming)(ming)或(huo)身(shen)體為保(bao)(bao)(bao)(bao)(bao)(bao)險標的(de)，在被保(bao)(bao)(bao)(bao)(bao)(bao)險人(ren)(ren)(ren)(ren)的(de)生(sheng)命(ming)(ming)或(huo)身(shen)體發生(sheng)保(bao)(bao)(bao)(bao)(bao)(bao)險事故或(huo)保(bao)(bao)(bao)(bao)(bao)(bao)險期(qi)滿時，依照保(bao)(bao)(bao)(bao)(bao)(bao)險合(he)同的(de)規定，由保(bao)(bao)(bao)(bao)(bao)(bao)險人(ren)(ren)(ren)(ren)向(xiang)被保(bao)(bao)(bao)(bao)(bao)(bao)險人(ren)(ren)(ren)(ren)或(huo)受益人(ren)(ren)(ren)(ren)給付(fu)保(bao)(bao)(bao)(bao)(bao)(bao)險金的(de)保(bao)(bao)(bao)(bao)(bao)(bao)險形式。人(ren)(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險包(bao)括人(ren)(ren)(ren)(ren)壽保(bao)(bao)(bao)(bao)(bao)(bao)險、傷害保(bao)(bao)(bao)(bao)(bao)(bao)險、健康保(bao)(bao)(bao)(bao)(bao)(bao)險三種。在財產保(bao)(bao)(bao)(bao)(bao)(bao)險中，保(bao)(bao)(bao)(bao)(bao)(bao)險人(ren)(ren)(ren)(ren)承擔的(de)是(shi)保(bao)(bao)(bao)(bao)(bao)(bao)險標的(de)損失的(de)賠償責(ze)任，而(er)在人(ren)(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險中，保(bao)(bao)(bao)(bao)(bao)(bao)險人(ren)(ren)(ren)(ren)承擔的(de)是(shi)給付(fu)責(ze)任，不問損失與(yu)否與(yu)多少。為此，人(ren)(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險通(tong)常均(jun)為定額(e)保(bao)(bao)(bao)(bao)(bao)(bao)險。

2、人壽保險

人(ren)(ren)(ren)壽(shou)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)（Life Insurance）是(shi)人(ren)(ren)(ren)身保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的(de)一(yi)種，以(yi)被(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)的(de)壽(shou)命為保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)，且以(yi)被(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)的(de)生存或死亡為給付(fu)條(tiao)件的(de)人(ren)(ren)(ren)身保(bao)(bao)(bao)險(xian)(xian)(xian)(xian) 。和(he)所有保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業務一(yi)樣，被(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)將風險(xian)(xian)(xian)(xian)轉嫁(jia)(jia)給保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)，接受(shou)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)的(de)條(tiao)款并支付(fu)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費(fei)。與其(qi)他保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)不同的(de)是(shi)，人(ren)(ren)(ren)壽(shou)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)轉嫁(jia)(jia)的(de)是(shi)被(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)的(de)生存或者死亡的(de)風險(xian)(xian)(xian)(xian)。