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(an)照(zhao)不(bu)同(tong)的(de)分(fen)類(lei)方式可分(fen)為不(bu)同(tong)類(lei)型(xing)：

1、按保障范圍分類

（1）人(ren)壽(shou)保(bao)險(xian)(xian)(xian)(xian)：簡稱壽(shou)險(xian)(xian)(xian)(xian)，是(shi)一種(zhong)以(yi)人(ren)的生(sheng)死(si)為保(bao)險(xian)(xian)(xian)(xian)對象的保(bao)險(xian)(xian)(xian)(xian)，是(shi)被保(bao)險(xian)(xian)(xian)(xian)人(ren)在保(bao)險(xian)(xian)(xian)(xian)責任期內生(sheng)存或死(si)亡(wang)，由(you)保(bao)險(xian)(xian)(xian)(xian)人(ren)根據(ju)契約規定給付保(bao)險(xian)(xian)(xian)(xian)金的一種(zhong)保(bao)險(xian)(xian)(xian)(xian)。

（2）健康保險(xian)：是以(yi)人(ren)的身體(ti)為(wei)保險(xian)標(biao)的，以(yi)被保險(xian)人(ren)因疾病(bing)(bing)或意外傷(shang)害而導致的傷(shang)、病(bing)(bing)風險(xian)為(wei)保險(xian)責任，使被保險(xian)人(ren)因傷(shang)、病(bing)(bing)發生的費用或損失得到補償的保險(xian)。

（3）人身(shen)意外傷害保(bao)險(xian)(xian)：是以人的身(shen)體為保(bao)險(xian)(xian)標的，以被保(bao)險(xian)(xian)人遭受意外傷害導致的殘疾（或死(si)亡）為給付條件的保(bao)險(xian)(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：單個(ge)被保(bao)險人在自愿選擇的基礎上(shang)投保(bao)人身保(bao)險稱為個(ge)人保(bao)險，保(bao)險對(dui)象(xiang)為個(ge)人；、。

（2）聯合(he)保(bao)(bao)險：將存(cun)在一(yi)定(ding)利害關系的(de)(de)(de)兩(liang)個(ge)或兩(liang)個(ge)以上的(de)(de)(de)人(ren)視為(wei)(wei)同一(yi)個(ge)被保(bao)(bao)險人(ren)，如父(fu)母、夫妻(qi)、子女、兄弟姐妹或合(he)作者等多人(ren)，作為(wei)(wei)聯合(he)被保(bao)(bao)險人(ren)同時(shi)投保(bao)(bao)的(de)(de)(de)人(ren)身(shen)保(bao)(bao)險稱為(wei)(wei)聯合(he)保(bao)(bao)險。

（3）團體(ti)保險：以一份總的(de)保險合同承保某一機關、企業、事業單位或其他團體(ti)的(de)全(quan)體(ti)或大多(duo)數成員的(de)人身保險稱為團體(ti)保險。

3、按保險期限分類

（1）長期(qi)業(ye)(ye)務(wu)(wu)：是(shi)保險(xian)期(qi)限超(chao)過一年(nian)的(de)人身保險(xian)業(ye)(ye)務(wu)(wu).

（2）一(yi)年(nian)期業務：以人(ren)身意(yi)外傷害保險居多，健康保險也(ye)可以是一(yi)年(nian)期業務。

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

4、按實施方式分類

（1）強制(zhi)人身保(bao)險(xian)：也(ye)稱為“法定人身保(bao)險(xian)”，是(shi)國家通過立(li)法規定強制(zhi)實(shi)行的人身保(bao)險(xian)。

（2）自愿(yuan)人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)：是人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)雙方當事人(ren)在公平自愿(yuan)的(de)基礎上，通過訂(ding)立人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)合同自愿(yuan)締結保(bao)(bao)險(xian)(xian)(xian)關(guan)系的(de)一種(zhong)人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)形式，保(bao)(bao)險(xian)(xian)(xian)公司可以選擇被保(bao)(bao)險(xian)(xian)(xian)人(ren)和保(bao)(bao)險(xian)(xian)(xian)標的(de)，投保(bao)(bao)人(ren)可以自由(you)選擇保(bao)(bao)險(xian)(xian)(xian)公司、投保(bao)(bao)的(de)險(xian)(xian)(xian)種(zhong)、保(bao)(bao)險(xian)(xian)(xian)期限和保(bao)(bao)險(xian)(xian)(xian)金額。

二、人身保險和人壽保險有什么區別

在(zai)購買保險時經常會聽到(dao)“人(ren)(ren)(ren)壽保險”和(he)“人(ren)(ren)(ren)身(shen)保險”這(zhe)(zhe)兩個詞，可能大部分(fen)人(ren)(ren)(ren)都不清楚(chu)他(ta)們具體是什么(me)含(han)義，甚至有(you)人(ren)(ren)(ren)會認為這(zhe)(zhe)兩個詞是同一個意思(si)，其實人(ren)(ren)(ren)身(shen)險和(he)人(ren)(ren)(ren)壽險的(de)區別還是有(you)的(de)。

1、人身險

人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)（Personal insurance）是以人(ren)(ren)的(de)(de)生命或身(shen)體為保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的(de)(de)，在被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)的(de)(de)生命或身(shen)體發生保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)事故或保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)期滿時，依(yi)照保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合(he)同的(de)(de)規(gui)定(ding)，由保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)向被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)或受益人(ren)(ren)給(gei)付(fu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金的(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)形式。人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)包括人(ren)(ren)壽(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、傷害保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、健康保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)三(san)種。在財(cai)產保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)中(zhong)，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)承擔(dan)的(de)(de)是保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的(de)(de)損失的(de)(de)賠(pei)償責任，而在人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)中(zhong)，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)承擔(dan)的(de)(de)是給(gei)付(fu)責任，不問損失與(yu)否(fou)與(yu)多少。為此，人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)通常均為定(ding)額保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。

2、人壽保險

人(ren)(ren)壽(shou)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)（Life Insurance）是(shi)(shi)人(ren)(ren)身保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)的(de)(de)一(yi)種，以被保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)壽(shou)命為保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)，且以被保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)生(sheng)存或死(si)亡(wang)為給付條件的(de)(de)人(ren)(ren)身保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian) 。和所(suo)有保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)業務(wu)一(yi)樣(yang)，被保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)將(jiang)風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)轉嫁(jia)(jia)給保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)，接(jie)受(shou)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)條款(kuan)并(bing)支付保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)費。與(yu)其他保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)不同的(de)(de)是(shi)(shi)，人(ren)(ren)壽(shou)保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)轉嫁(jia)(jia)的(de)(de)是(shi)(shi)被保(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)生(sheng)存或者(zhe)死(si)亡(wang)的(de)(de)風險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)。