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，按照不同的分類方式可(ke)分為(wei)不同類型(xing)：

1、按保障范圍分類

（1）人壽(shou)(shou)保(bao)(bao)險：簡稱壽(shou)(shou)險，是一種(zhong)以人的(de)(de)生(sheng)死(si)為(wei)保(bao)(bao)險對象的(de)(de)保(bao)(bao)險，是被保(bao)(bao)險人在保(bao)(bao)險責任期(qi)內(nei)生(sheng)存或(huo)死(si)亡，由保(bao)(bao)險人根(gen)據契(qi)約規(gui)定給付(fu)保(bao)(bao)險金的(de)(de)一種(zhong)保(bao)(bao)險。

（2）健康保(bao)(bao)險(xian)(xian)：是以(yi)人的身體為(wei)保(bao)(bao)險(xian)(xian)標的，以(yi)被保(bao)(bao)險(xian)(xian)人因疾病或意外傷害(hai)而(er)導(dao)致的傷、病風(feng)險(xian)(xian)為(wei)保(bao)(bao)險(xian)(xian)責任，使被保(bao)(bao)險(xian)(xian)人因傷、病發生的費(fei)用或損失得(de)到補償的保(bao)(bao)險(xian)(xian)。

（3）人(ren)身意外傷害保險：是以人(ren)的身體為(wei)保險標的，以被保險人(ren)遭受意外傷害導致的殘疾（或死亡）為(wei)給付條(tiao)件的保險。

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：單個被(bei)保(bao)險(xian)人(ren)在(zai)自愿選擇的基礎上(shang)投保(bao)人(ren)身(shen)保(bao)險(xian)稱為個人(ren)保(bao)險(xian)，保(bao)險(xian)對象(xiang)為個人(ren)；、。

（2）聯(lian)合(he)(he)保(bao)(bao)險(xian)：將(jiang)存(cun)在一(yi)定利害關(guan)系的(de)兩個或兩個以上的(de)人(ren)(ren)視為(wei)同一(yi)個被保(bao)(bao)險(xian)人(ren)(ren)，如父母、夫(fu)妻(qi)、子(zi)女(nv)、兄弟姐妹或合(he)(he)作(zuo)者等多(duo)人(ren)(ren)，作(zuo)為(wei)聯(lian)合(he)(he)被保(bao)(bao)險(xian)人(ren)(ren)同時投保(bao)(bao)的(de)人(ren)(ren)身保(bao)(bao)險(xian)稱(cheng)為(wei)聯(lian)合(he)(he)保(bao)(bao)險(xian)。

（3）團(tuan)體保(bao)險(xian)(xian)：以(yi)一份總的(de)保(bao)險(xian)(xian)合同承保(bao)某一機(ji)關、企業、事業單位或其(qi)他團(tuan)體的(de)全體或大多(duo)數成(cheng)員的(de)人身保(bao)險(xian)(xian)稱為團(tuan)體保(bao)險(xian)(xian)。

3、按保險期限分類

（1）長(chang)期(qi)業務：是保(bao)險(xian)期(qi)限(xian)超過一年的人身(shen)保(bao)險(xian)業務.

（2）一年期業(ye)務(wu)：以(yi)(yi)人身意(yi)外傷害保險(xian)(xian)居多，健(jian)康(kang)保險(xian)(xian)也(ye)可以(yi)(yi)是一年期業(ye)務(wu)。

（3）短期業(ye)(ye)務：保(bao)險期限不足(zu)一年的人身保(bao)險業(ye)(ye)務。

4、按實施方式分類

（1）強(qiang)制(zhi)人(ren)(ren)身(shen)保險：也稱為“法(fa)定人(ren)(ren)身(shen)保險”，是國家通(tong)過立法(fa)規定強(qiang)制(zhi)實行的人(ren)(ren)身(shen)保險。

（2）自愿人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)：是人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)雙方當(dang)事人(ren)(ren)在公(gong)(gong)平自愿的(de)基礎上，通過訂立(li)人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)合同自愿締結保(bao)(bao)(bao)(bao)險(xian)(xian)關系的(de)一(yi)種人(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)形式(shi)，保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司可以選(xuan)擇被保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)和(he)保(bao)(bao)(bao)(bao)險(xian)(xian)標的(de)，投(tou)保(bao)(bao)(bao)(bao)人(ren)(ren)可以自由選(xuan)擇保(bao)(bao)(bao)(bao)險(xian)(xian)公(gong)(gong)司、投(tou)保(bao)(bao)(bao)(bao)的(de)險(xian)(xian)種、保(bao)(bao)(bao)(bao)險(xian)(xian)期(qi)限和(he)保(bao)(bao)(bao)(bao)險(xian)(xian)金(jin)額。

二、人身保險和人壽保險有什么區別

在購買保(bao)險(xian)(xian)(xian)時(shi)經常會聽到“人壽保(bao)險(xian)(xian)(xian)”和(he)“人身保(bao)險(xian)(xian)(xian)”這兩(liang)個詞(ci)，可能大部(bu)分人都不(bu)清楚他們具體(ti)是什(shen)么含義，甚至有人會認(ren)為這兩(liang)個詞(ci)是同一個意(yi)思，其實人身險(xian)(xian)(xian)和(he)人壽險(xian)(xian)(xian)的(de)區別還是有的(de)。

1、人身險

人(ren)(ren)(ren)身(shen)保(bao)險(xian)(xian)(xian)(xian)（Personal insurance）是(shi)(shi)(shi)以人(ren)(ren)(ren)的生(sheng)命(ming)或(huo)身(shen)體為(wei)保(bao)險(xian)(xian)(xian)(xian)標(biao)的，在被(bei)保(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)的生(sheng)命(ming)或(huo)身(shen)體發生(sheng)保(bao)險(xian)(xian)(xian)(xian)事(shi)故或(huo)保(bao)險(xian)(xian)(xian)(xian)期滿時，依(yi)照保(bao)險(xian)(xian)(xian)(xian)合同的規定，由保(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)向被(bei)保(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)或(huo)受益人(ren)(ren)(ren)給(gei)付保(bao)險(xian)(xian)(xian)(xian)金的保(bao)險(xian)(xian)(xian)(xian)形(xing)式(shi)。人(ren)(ren)(ren)身(shen)保(bao)險(xian)(xian)(xian)(xian)包(bao)括人(ren)(ren)(ren)壽(shou)保(bao)險(xian)(xian)(xian)(xian)、傷害保(bao)險(xian)(xian)(xian)(xian)、健康保(bao)險(xian)(xian)(xian)(xian)三(san)種。在財(cai)產保(bao)險(xian)(xian)(xian)(xian)中，保(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)承(cheng)擔的是(shi)(shi)(shi)保(bao)險(xian)(xian)(xian)(xian)標(biao)的損失(shi)的賠償責(ze)(ze)任，而(er)在人(ren)(ren)(ren)身(shen)保(bao)險(xian)(xian)(xian)(xian)中，保(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)承(cheng)擔的是(shi)(shi)(shi)給(gei)付責(ze)(ze)任，不問損失(shi)與否與多(duo)少(shao)。為(wei)此，人(ren)(ren)(ren)身(shen)保(bao)險(xian)(xian)(xian)(xian)通(tong)常均為(wei)定額保(bao)險(xian)(xian)(xian)(xian)。

2、人壽保險

人壽保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)（Life Insurance）是人身保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)的(de)(de)一種(zhong)，以被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人的(de)(de)壽命為(wei)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標(biao)的(de)(de)，且以被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人的(de)(de)生(sheng)存或死(si)亡為(wei)給(gei)付條件的(de)(de)人身保(bao)(bao)險(xian)(xian)(xian)(xian)(xian) 。和所有(you)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)業務一樣，被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人將風(feng)險(xian)(xian)(xian)(xian)(xian)轉嫁給(gei)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人，接受(shou)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人的(de)(de)條款并支付保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)費。與其他保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)不同的(de)(de)是，人壽保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)轉嫁的(de)(de)是被(bei)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人的(de)(de)生(sheng)存或者死(si)亡的(de)(de)風(feng)險(xian)(xian)(xian)(xian)(xian)。