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，人身保險的種類(lei)眾多(duo)，按照不(bu)同(tong)(tong)的分類(lei)方式(shi)可(ke)分為不(bu)同(tong)(tong)類(lei)型：

1、按保障范圍分類

（1）人壽(shou)保(bao)險(xian)(xian)(xian)：簡稱壽(shou)險(xian)(xian)(xian)，是一(yi)種以人的(de)(de)生死(si)為保(bao)險(xian)(xian)(xian)對象的(de)(de)保(bao)險(xian)(xian)(xian)，是被保(bao)險(xian)(xian)(xian)人在保(bao)險(xian)(xian)(xian)責任(ren)期內生存或(huo)死(si)亡，由保(bao)險(xian)(xian)(xian)人根據(ju)契約規定給付保(bao)險(xian)(xian)(xian)金的(de)(de)一(yi)種保(bao)險(xian)(xian)(xian)。

（2）健康(kang)保(bao)(bao)險(xian)：是以人的(de)(de)身體為保(bao)(bao)險(xian)標的(de)(de)，以被保(bao)(bao)險(xian)人因(yin)疾(ji)病(bing)(bing)或(huo)意外傷(shang)害而導致(zhi)的(de)(de)傷(shang)、病(bing)(bing)風險(xian)為保(bao)(bao)險(xian)責任，使被保(bao)(bao)險(xian)人因(yin)傷(shang)、病(bing)(bing)發生(sheng)的(de)(de)費(fei)用或(huo)損失得到補償的(de)(de)保(bao)(bao)險(xian)。

（3）人(ren)身(shen)意(yi)外傷(shang)害(hai)保險：是以(yi)人(ren)的(de)身(shen)體(ti)為保險標的(de)，以(yi)被保險人(ren)遭受意(yi)外傷(shang)害(hai)導致的(de)殘疾（或死亡(wang)）為給(gei)付條件的(de)保險。

2、按投保方式分類

（1）個人保險：單(dan)個被保險人在(zai)自愿選擇的基礎上投保人身保險稱為個人保險，保險對象為個人；、。

（2）聯(lian)(lian)合保(bao)險(xian)(xian)：將存在一定利害關系的(de)兩(liang)個或(huo)兩(liang)個以(yi)上(shang)的(de)人(ren)視(shi)為同(tong)一個被保(bao)險(xian)(xian)人(ren)，如(ru)父母、夫妻、子女、兄弟姐妹或(huo)合作(zuo)者等多(duo)人(ren)，作(zuo)為聯(lian)(lian)合被保(bao)險(xian)(xian)人(ren)同(tong)時投保(bao)的(de)人(ren)身保(bao)險(xian)(xian)稱(cheng)為聯(lian)(lian)合保(bao)險(xian)(xian)。

（3）團(tuan)體保(bao)(bao)險：以一份總(zong)的保(bao)(bao)險合同(tong)承保(bao)(bao)某一機關、企業、事業單位或其他(ta)團(tuan)體的全(quan)體或大多(duo)數成(cheng)員的人身保(bao)(bao)險稱為(wei)團(tuan)體保(bao)(bao)險。

3、按保險期限分類

（1）長期業務：是保(bao)險(xian)期限超過一(yi)年的(de)人身保(bao)險(xian)業務.

（2）一(yi)年期(qi)業務(wu)(wu)：以人身意外傷害保險居(ju)多(duo)，健康保險也可(ke)以是(shi)一(yi)年期(qi)業務(wu)(wu)。

（3）短期業務(wu)：保(bao)險(xian)期限不足一年的人(ren)身(shen)保(bao)險(xian)業務(wu)。

4、按實施方式分類

（1）強制人身保險：也稱(cheng)為(wei)“法定人身保險”，是國(guo)家通過立法規定強制實行的(de)人身保險。

（2）自愿(yuan)人身(shen)保險(xian)(xian)(xian)(xian)：是人身(shen)保險(xian)(xian)(xian)(xian)雙方當事人在公(gong)(gong)平(ping)自愿(yuan)的(de)基礎上，通過訂立人身(shen)保險(xian)(xian)(xian)(xian)合(he)同自愿(yuan)締結保險(xian)(xian)(xian)(xian)關(guan)系的(de)一種人身(shen)保險(xian)(xian)(xian)(xian)形式(shi)，保險(xian)(xian)(xian)(xian)公(gong)(gong)司可以選擇(ze)被保險(xian)(xian)(xian)(xian)人和(he)保險(xian)(xian)(xian)(xian)標的(de)，投保人可以自由選擇(ze)保險(xian)(xian)(xian)(xian)公(gong)(gong)司、投保的(de)險(xian)(xian)(xian)(xian)種、保險(xian)(xian)(xian)(xian)期限和(he)保險(xian)(xian)(xian)(xian)金(jin)額(e)。

二、人身保險和人壽保險有什么區別

在購買(mai)保(bao)險時經(jing)常會聽到“人(ren)(ren)(ren)壽保(bao)險”和“人(ren)(ren)(ren)身保(bao)險”這(zhe)兩個(ge)詞，可能大部(bu)分人(ren)(ren)(ren)都不清楚他(ta)們具體是(shi)什(shen)么含義，甚至(zhi)有(you)人(ren)(ren)(ren)會認為這(zhe)兩個(ge)詞是(shi)同一個(ge)意思(si)，其實人(ren)(ren)(ren)身險和人(ren)(ren)(ren)壽險的區別還是(shi)有(you)的。

1、人身險

人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)（Personal insurance）是以人(ren)(ren)的(de)生(sheng)命或(huo)身(shen)體為(wei)(wei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的(de)，在被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)的(de)生(sheng)命或(huo)身(shen)體發生(sheng)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)事故或(huo)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)期滿時，依照保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合同的(de)規定，由保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)向被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)或(huo)受(shou)益人(ren)(ren)給(gei)付保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金(jin)的(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)形式。人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)包(bao)括人(ren)(ren)壽(shou)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、傷(shang)害保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、健康保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)三種。在財產保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)中，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)承(cheng)擔的(de)是保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的(de)損失的(de)賠償責(ze)任(ren)，而在人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)中，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)承(cheng)擔的(de)是給(gei)付責(ze)任(ren)，不問損失與否(fou)與多(duo)少。為(wei)(wei)此，人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)通常均為(wei)(wei)定額保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。

2、人壽保險

人壽保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)（Life Insurance）是(shi)人身保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)的(de)(de)一(yi)種(zhong)，以被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人的(de)(de)壽命為保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)(de)，且以被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人的(de)(de)生存或(huo)死(si)亡為給付條(tiao)件的(de)(de)人身保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian) 。和所有保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)業務一(yi)樣(yang)，被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人將風險(xian)(xian)(xian)轉(zhuan)嫁給保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人，接(jie)受(shou)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人的(de)(de)條(tiao)款并支付保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)費。與其他保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)不(bu)同的(de)(de)是(shi)，人壽保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)轉(zhuan)嫁的(de)(de)是(shi)被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人的(de)(de)生存或(huo)者死(si)亡的(de)(de)風險(xian)(xian)(xian)。