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(zhong)多，按照不(bu)同的(de)分(fen)類(lei)方式可(ke)分(fen)為不(bu)同類(lei)型：

1、按保障范圍分類

（1）人(ren)壽(shou)(shou)保險(xian)(xian)：簡稱壽(shou)(shou)險(xian)(xian)，是(shi)一種以人(ren)的(de)(de)生(sheng)(sheng)死(si)為保險(xian)(xian)對(dui)象的(de)(de)保險(xian)(xian)，是(shi)被(bei)保險(xian)(xian)人(ren)在保險(xian)(xian)責任(ren)期內生(sheng)(sheng)存或死(si)亡，由保險(xian)(xian)人(ren)根據(ju)契約(yue)規定給付保險(xian)(xian)金的(de)(de)一種保險(xian)(xian)。

（2）健康保險：是以人(ren)(ren)的(de)(de)身體為(wei)(wei)保險標的(de)(de)，以被保險人(ren)(ren)因(yin)疾病(bing)或意外(wai)傷害而(er)導致的(de)(de)傷、病(bing)風(feng)險為(wei)(wei)保險責任，使被保險人(ren)(ren)因(yin)傷、病(bing)發(fa)生的(de)(de)費用或損失(shi)得到補償的(de)(de)保險。

（3）人身(shen)意外傷(shang)害保險：是以人的(de)(de)身(shen)體為(wei)保險標(biao)的(de)(de)，以被保險人遭受意外傷(shang)害導致的(de)(de)殘(can)疾(ji)（或死亡）為(wei)給付條件(jian)的(de)(de)保險。

2、按投保方式分類

（1）個人保險：單個(ge)被保(bao)險人(ren)在(zai)自愿選擇的基(ji)礎上投(tou)保(bao)人(ren)身保(bao)險稱為個(ge)人(ren)保(bao)險，保(bao)險對象為個(ge)人(ren)；、。

（2）聯合(he)保(bao)(bao)險(xian)：將存在一(yi)定利(li)害(hai)關系的(de)(de)兩個或兩個以上(shang)的(de)(de)人(ren)視(shi)為同一(yi)個被保(bao)(bao)險(xian)人(ren)，如父母、夫妻(qi)、子(zi)女、兄弟(di)姐(jie)妹或合(he)作者(zhe)等多人(ren)，作為聯合(he)被保(bao)(bao)險(xian)人(ren)同時投保(bao)(bao)的(de)(de)人(ren)身保(bao)(bao)險(xian)稱為聯合(he)保(bao)(bao)險(xian)。

（3）團(tuan)體(ti)(ti)保(bao)險(xian)(xian)(xian)：以(yi)一份(fen)總的保(bao)險(xian)(xian)(xian)合同承保(bao)某(mou)一機(ji)關、企業、事業單位或(huo)其(qi)他團(tuan)體(ti)(ti)的全體(ti)(ti)或(huo)大多數成員(yuan)的人身保(bao)險(xian)(xian)(xian)稱(cheng)為團(tuan)體(ti)(ti)保(bao)險(xian)(xian)(xian)。

3、按保險期限分類

（1）長期(qi)業務：是保險期(qi)限超過一(yi)年(nian)的(de)人身保險業務.

（2）一(yi)年期(qi)業(ye)務(wu)：以人身意外(wai)傷害保險居多(duo)，健康(kang)保險也可以是(shi)一(yi)年期(qi)業(ye)務(wu)。

（3）短期業(ye)務：保險期限(xian)不足(zu)一年(nian)的人(ren)身保險業(ye)務。

4、按實施方式分類

（1）強(qiang)制人身(shen)保(bao)險：也稱(cheng)為“法(fa)定人身(shen)保(bao)險”，是國家通過立(li)法(fa)規(gui)定強(qiang)制實行(xing)的人身(shen)保(bao)險。

（2）自愿人身保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)：是人身保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)雙方當事(shi)人在公(gong)平自愿的(de)基礎上，通過訂立人身保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)合同自愿締結保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)關系的(de)一(yi)種人身保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)形式，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)可以選擇被保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人和保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的(de)，投(tou)保(bao)(bao)(bao)人可以自由選擇保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)公(gong)司(si)、投(tou)保(bao)(bao)(bao)的(de)險(xian)(xian)(xian)(xian)種、保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)期限和保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)金額。

二、人身保險和人壽保險有什么區別

在購買保險(xian)時經常會聽到“人壽(shou)保險(xian)”和(he)“人身保險(xian)”這兩個詞，可能(neng)大部(bu)分人都不清楚他們具體是什么含義，甚至有人會認為這兩個詞是同(tong)一個意(yi)思，其實人身險(xian)和(he)人壽(shou)險(xian)的(de)區別還是有的(de)。

1、人身險

人身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)（Personal insurance）是(shi)以人的(de)(de)(de)(de)生(sheng)命或(huo)身體(ti)為(wei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)(de)，在(zai)被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人的(de)(de)(de)(de)生(sheng)命或(huo)身體(ti)發(fa)生(sheng)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)事(shi)故或(huo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)期(qi)滿(man)時，依照(zhao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合(he)同(tong)的(de)(de)(de)(de)規(gui)定(ding)，由保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人向被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人或(huo)受(shou)益人給付(fu)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。人身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)包(bao)括人壽保(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)、健康保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)三種(zhong)。在(zai)財(cai)產保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)中，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人承(cheng)擔的(de)(de)(de)(de)是(shi)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)(de)損(sun)失的(de)(de)(de)(de)賠償責(ze)任，而(er)在(zai)人身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)中，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人承(cheng)擔的(de)(de)(de)(de)是(shi)給付(fu)責(ze)任，不問損(sun)失與否與多少(shao)。為(wei)此，人身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)通(tong)常均(jun)為(wei)定(ding)額保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)。

2、人壽保險

人(ren)(ren)(ren)(ren)壽(shou)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)（Life Insurance）是(shi)(shi)人(ren)(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)的一種，以(yi)被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的壽(shou)命(ming)為(wei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)標的，且以(yi)被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的生存或死亡為(wei)給付條(tiao)件的人(ren)(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian) 。和所有保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)業務(wu)一樣，被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)將風險(xian)(xian)(xian)(xian)轉嫁給保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)，接受保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的條(tiao)款并支付保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)費。與其(qi)他保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)不(bu)同的是(shi)(shi)，人(ren)(ren)(ren)(ren)壽(shou)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)轉嫁的是(shi)(shi)被(bei)保(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)的生存或者死亡的風險(xian)(xian)(xian)(xian)。