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)，按照不同(tong)(tong)的分類(lei)方式可分為不同(tong)(tong)類(lei)型：

1、按保障范圍分類

（1）人壽保(bao)(bao)險(xian)：簡稱(cheng)壽險(xian)，是(shi)一種(zhong)以人的生死為保(bao)(bao)險(xian)對象(xiang)的保(bao)(bao)險(xian)，是(shi)被保(bao)(bao)險(xian)人在保(bao)(bao)險(xian)責(ze)任期內(nei)生存或死亡，由保(bao)(bao)險(xian)人根據契約規定(ding)給付保(bao)(bao)險(xian)金的一種(zhong)保(bao)(bao)險(xian)。

（2）健(jian)康保(bao)(bao)險(xian)(xian)(xian)：是以人的(de)身(shen)體為(wei)保(bao)(bao)險(xian)(xian)(xian)標的(de)，以被保(bao)(bao)險(xian)(xian)(xian)人因疾病(bing)(bing)或意外傷害而導致(zhi)的(de)傷、病(bing)(bing)風險(xian)(xian)(xian)為(wei)保(bao)(bao)險(xian)(xian)(xian)責任，使被保(bao)(bao)險(xian)(xian)(xian)人因傷、病(bing)(bing)發生的(de)費(fei)用或損失得(de)到補(bu)償的(de)保(bao)(bao)險(xian)(xian)(xian)。

（3）人(ren)身(shen)意外傷(shang)害保(bao)(bao)險(xian)(xian)：是以(yi)人(ren)的身(shen)體為保(bao)(bao)險(xian)(xian)標(biao)的，以(yi)被保(bao)(bao)險(xian)(xian)人(ren)遭受意外傷(shang)害導(dao)致的殘疾（或死(si)亡）為給付(fu)條件的保(bao)(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：單個被保險(xian)(xian)人在(zai)自愿選擇的基礎上(shang)投(tou)保人身保險(xian)(xian)稱為個人保險(xian)(xian)，保險(xian)(xian)對象為個人；、。

（2）聯(lian)合(he)(he)保險(xian)(xian)：將存在一(yi)定利害關系的兩個或(huo)兩個以上(shang)的人(ren)(ren)視為(wei)同一(yi)個被(bei)保險(xian)(xian)人(ren)(ren)，如(ru)父母、夫妻、子女(nv)、兄弟姐(jie)妹(mei)或(huo)合(he)(he)作者等多人(ren)(ren)，作為(wei)聯(lian)合(he)(he)被(bei)保險(xian)(xian)人(ren)(ren)同時投保的人(ren)(ren)身(shen)保險(xian)(xian)稱為(wei)聯(lian)合(he)(he)保險(xian)(xian)。

（3）團(tuan)體(ti)(ti)保(bao)(bao)險：以(yi)一份總的(de)保(bao)(bao)險合(he)同承保(bao)(bao)某一機關、企業、事業單位或其他團(tuan)體(ti)(ti)的(de)全體(ti)(ti)或大(da)多數(shu)成(cheng)員的(de)人身保(bao)(bao)險稱為團(tuan)體(ti)(ti)保(bao)(bao)險。

3、按保險期限分類

（1）長期業務(wu)：是(shi)保(bao)險期限超過一年的人身保(bao)險業務(wu).

（2）一(yi)年(nian)期(qi)業(ye)務：以人身意外傷害保險居(ju)多，健康保險也可以是一(yi)年(nian)期(qi)業(ye)務。

（3）短期(qi)業(ye)(ye)務：保險(xian)(xian)期(qi)限不足一年的人身保險(xian)(xian)業(ye)(ye)務。

4、按實施方式分類

（1）強(qiang)制人(ren)身保(bao)(bao)(bao)險(xian)：也稱為“法定人(ren)身保(bao)(bao)(bao)險(xian)”，是國(guo)家通(tong)過(guo)立法規定強(qiang)制實行的人(ren)身保(bao)(bao)(bao)險(xian)。

（2）自(zi)愿人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)(xian)：是人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)(xian)雙方(fang)當事人(ren)在公(gong)平自(zi)愿的(de)基礎上，通過訂立人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)(xian)合同自(zi)愿締結(jie)保(bao)(bao)險(xian)(xian)(xian)(xian)關系的(de)一種人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)(xian)形式(shi)，保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)可以選擇被保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)和(he)保(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)，投保(bao)(bao)人(ren)可以自(zi)由選擇保(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)、投保(bao)(bao)的(de)險(xian)(xian)(xian)(xian)種、保(bao)(bao)險(xian)(xian)(xian)(xian)期限和(he)保(bao)(bao)險(xian)(xian)(xian)(xian)金額。

二、人身保險和人壽保險有什么區別

在購買(mai)保險(xian)時(shi)經常會聽(ting)到“人(ren)(ren)(ren)壽保險(xian)”和(he)“人(ren)(ren)(ren)身保險(xian)”這(zhe)兩(liang)個(ge)(ge)詞，可能大部分人(ren)(ren)(ren)都不清楚(chu)他(ta)們具體是(shi)(shi)什么(me)含義，甚(shen)至有人(ren)(ren)(ren)會認為(wei)這(zhe)兩(liang)個(ge)(ge)詞是(shi)(shi)同一個(ge)(ge)意思(si)，其實人(ren)(ren)(ren)身險(xian)和(he)人(ren)(ren)(ren)壽險(xian)的區別還是(shi)(shi)有的。

1、人身險

人(ren)(ren)(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)（Personal insurance）是(shi)以人(ren)(ren)(ren)(ren)(ren)的(de)(de)生(sheng)(sheng)命或(huo)(huo)身(shen)體為(wei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)標的(de)(de)，在(zai)被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)(ren)(ren)的(de)(de)生(sheng)(sheng)命或(huo)(huo)身(shen)體發(fa)生(sheng)(sheng)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)事故或(huo)(huo)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)期滿時，依照保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)合同的(de)(de)規定(ding)，由保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)(ren)(ren)向被保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)(ren)(ren)或(huo)(huo)受益人(ren)(ren)(ren)(ren)(ren)給付保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)金(jin)的(de)(de)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)形式。人(ren)(ren)(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)包括人(ren)(ren)(ren)(ren)(ren)壽(shou)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)、傷害保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)、健(jian)康保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)三(san)種。在(zai)財產保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)中，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)(ren)(ren)承擔的(de)(de)是(shi)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)標的(de)(de)損失(shi)的(de)(de)賠償(chang)責(ze)任，而在(zai)人(ren)(ren)(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)中，保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)(ren)(ren)承擔的(de)(de)是(shi)給付責(ze)任，不問損失(shi)與(yu)否與(yu)多少(shao)。為(wei)此，人(ren)(ren)(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)通常均為(wei)定(ding)額保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)。

2、人壽保險

人(ren)壽(shou)保(bao)(bao)險(xian)(xian)（Life Insurance）是(shi)人(ren)身保(bao)(bao)險(xian)(xian)的(de)一(yi)種，以被保(bao)(bao)險(xian)(xian)人(ren)的(de)壽(shou)命為保(bao)(bao)險(xian)(xian)標的(de)，且以被保(bao)(bao)險(xian)(xian)人(ren)的(de)生存(cun)或(huo)死亡(wang)為給付(fu)(fu)條(tiao)件的(de)人(ren)身保(bao)(bao)險(xian)(xian) 。和所有(you)保(bao)(bao)險(xian)(xian)業務一(yi)樣，被保(bao)(bao)險(xian)(xian)人(ren)將風險(xian)(xian)轉嫁給保(bao)(bao)險(xian)(xian)人(ren)，接(jie)受保(bao)(bao)險(xian)(xian)人(ren)的(de)條(tiao)款并支付(fu)(fu)保(bao)(bao)險(xian)(xian)費。與其他(ta)保(bao)(bao)險(xian)(xian)不同的(de)是(shi)，人(ren)壽(shou)保(bao)(bao)險(xian)(xian)轉嫁的(de)是(shi)被保(bao)(bao)險(xian)(xian)人(ren)的(de)生存(cun)或(huo)者死亡(wang)的(de)風險(xian)(xian)。