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，人身保險的種類眾多，按照不同(tong)的分類方(fang)式可(ke)分為不同(tong)類型：

1、按保障范圍分類

（1）人壽(shou)(shou)保(bao)(bao)險(xian)(xian)：簡稱(cheng)壽(shou)(shou)險(xian)(xian)，是(shi)一(yi)(yi)種(zhong)以人的生死為保(bao)(bao)險(xian)(xian)對象的保(bao)(bao)險(xian)(xian)，是(shi)被保(bao)(bao)險(xian)(xian)人在保(bao)(bao)險(xian)(xian)責(ze)任期內生存或死亡，由保(bao)(bao)險(xian)(xian)人根據(ju)契(qi)約規定(ding)給(gei)付保(bao)(bao)險(xian)(xian)金的一(yi)(yi)種(zhong)保(bao)(bao)險(xian)(xian)。

（2）健康(kang)保險(xian)：是(shi)以人的(de)身體(ti)為保險(xian)標(biao)的(de)，以被(bei)保險(xian)人因疾病或意外傷(shang)害而(er)導致的(de)傷(shang)、病風險(xian)為保險(xian)責任，使被(bei)保險(xian)人因傷(shang)、病發生(sheng)的(de)費用或損失得到(dao)補償的(de)保險(xian)。

（3）人(ren)身意(yi)(yi)外(wai)(wai)傷害保險：是以人(ren)的(de)(de)身體為保險標的(de)(de)，以被保險人(ren)遭(zao)受(shou)意(yi)(yi)外(wai)(wai)傷害導致(zhi)的(de)(de)殘(can)疾（或死亡）為給付條件的(de)(de)保險。

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)個被保險(xian)人(ren)(ren)(ren)在自愿(yuan)選擇的基礎上投保人(ren)(ren)(ren)身保險(xian)稱為個人(ren)(ren)(ren)保險(xian)，保險(xian)對象為個人(ren)(ren)(ren)；、。

（2）聯(lian)合(he)(he)保(bao)(bao)險(xian)：將(jiang)存在一定(ding)利害關系的兩個(ge)或兩個(ge)以上的人(ren)視為同一個(ge)被保(bao)(bao)險(xian)人(ren)，如父母、夫妻(qi)、子(zi)女、兄弟姐妹(mei)或合(he)(he)作者等多人(ren)，作為聯(lian)合(he)(he)被保(bao)(bao)險(xian)人(ren)同時投保(bao)(bao)的人(ren)身保(bao)(bao)險(xian)稱為聯(lian)合(he)(he)保(bao)(bao)險(xian)。

（3）團體保(bao)險(xian)(xian)：以一份總的(de)保(bao)險(xian)(xian)合同承(cheng)保(bao)某一機關、企業、事業單位或(huo)其他團體的(de)全(quan)體或(huo)大多數成員的(de)人身保(bao)險(xian)(xian)稱(cheng)為團體保(bao)險(xian)(xian)。

3、按保險期限分類

（1）長期(qi)業務(wu)：是保險(xian)期(qi)限超過(guo)一年的人身保險(xian)業務(wu).

（2）一年(nian)(nian)期業(ye)務：以人(ren)身意外傷(shang)害保(bao)險居多，健康保(bao)險也可以是一年(nian)(nian)期業(ye)務。

（3）短期業務：保(bao)險期限不足一(yi)年的人身保(bao)險業務。

4、按實施方式分類

（1）強(qiang)制(zhi)人(ren)身保險：也稱為“法定人(ren)身保險”，是國家通過立法規定強(qiang)制(zhi)實行的人(ren)身保險。

（2）自(zi)(zi)愿人(ren)(ren)(ren)身(shen)保(bao)險：是人(ren)(ren)(ren)身(shen)保(bao)險雙方當事人(ren)(ren)(ren)在公平自(zi)(zi)愿的(de)基礎上，通過訂立人(ren)(ren)(ren)身(shen)保(bao)險合同自(zi)(zi)愿締結保(bao)險關系(xi)的(de)一種(zhong)(zhong)人(ren)(ren)(ren)身(shen)保(bao)險形式，保(bao)險公司可以選(xuan)(xuan)擇被保(bao)險人(ren)(ren)(ren)和保(bao)險標的(de)，投保(bao)人(ren)(ren)(ren)可以自(zi)(zi)由選(xuan)(xuan)擇保(bao)險公司、投保(bao)的(de)險種(zhong)(zhong)、保(bao)險期(qi)限和保(bao)險金額。

二、人身保險和人壽保險有什么區別

在購買(mai)保(bao)險時經常會(hui)聽到(dao)“人(ren)壽(shou)保(bao)險”和(he)“人(ren)身保(bao)險”這(zhe)兩個(ge)詞(ci)，可能大部分人(ren)都不清楚他(ta)們具體是(shi)什(shen)么含義，甚(shen)至有人(ren)會(hui)認為(wei)這(zhe)兩個(ge)詞(ci)是(shi)同一個(ge)意思(si)，其實人(ren)身險和(he)人(ren)壽(shou)險的(de)(de)區別還(huan)是(shi)有的(de)(de)。

1、人身險

人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)（Personal insurance）是(shi)以人(ren)(ren)(ren)的(de)(de)(de)(de)生(sheng)(sheng)命或身(shen)體為(wei)(wei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)(de)(de)，在(zai)被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)的(de)(de)(de)(de)生(sheng)(sheng)命或身(shen)體發生(sheng)(sheng)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)事故或保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)期滿時，依(yi)照保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合同的(de)(de)(de)(de)規定(ding)，由(you)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)向被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)或受(shou)益人(ren)(ren)(ren)給付保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)金的(de)(de)(de)(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)形式。人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)包括(kuo)人(ren)(ren)(ren)壽保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、傷害保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、健康(kang)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)三種。在(zai)財產(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)中，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)承擔的(de)(de)(de)(de)是(shi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)(de)(de)損失的(de)(de)(de)(de)賠償責(ze)任，而在(zai)人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)中，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)承擔的(de)(de)(de)(de)是(shi)給付責(ze)任，不問損失與(yu)否與(yu)多少。為(wei)(wei)此，人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)通常(chang)均為(wei)(wei)定(ding)額保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)。

2、人壽保險

人(ren)壽保(bao)(bao)(bao)險(xian)(xian)(xian)（Life Insurance）是人(ren)身保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)一(yi)種，以被(bei)(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)的(de)壽命為保(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)，且以被(bei)(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)的(de)生存(cun)或死亡為給(gei)付條件的(de)人(ren)身保(bao)(bao)(bao)險(xian)(xian)(xian) 。和所有保(bao)(bao)(bao)險(xian)(xian)(xian)業務一(yi)樣，被(bei)(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)將風(feng)險(xian)(xian)(xian)轉嫁給(gei)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)，接受保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)的(de)條款(kuan)并(bing)支付保(bao)(bao)(bao)險(xian)(xian)(xian)費。與其他保(bao)(bao)(bao)險(xian)(xian)(xian)不同的(de)是，人(ren)壽保(bao)(bao)(bao)險(xian)(xian)(xian)轉嫁的(de)是被(bei)(bei)保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)的(de)生存(cun)或者死亡的(de)風(feng)險(xian)(xian)(xian)。