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

1、按保障范圍分類

（1）人(ren)壽(shou)保(bao)(bao)(bao)險(xian)：簡(jian)稱壽(shou)險(xian)，是(shi)一種(zhong)以人(ren)的生死為保(bao)(bao)(bao)險(xian)對象的保(bao)(bao)(bao)險(xian)，是(shi)被(bei)保(bao)(bao)(bao)險(xian)人(ren)在保(bao)(bao)(bao)險(xian)責(ze)任期內生存(cun)或死亡，由保(bao)(bao)(bao)險(xian)人(ren)根據契約規定給(gei)付(fu)保(bao)(bao)(bao)險(xian)金(jin)的一種(zhong)保(bao)(bao)(bao)險(xian)。

（2）健康保險：是以人的身體為保險標的，以被保險人因(yin)疾病(bing)或意外(wai)傷(shang)害而導(dao)致(zhi)的傷(shang)、病(bing)風險為保險責任，使被保險人因(yin)傷(shang)、病(bing)發生(sheng)的費用或損失得(de)到(dao)補償的保險。

（3）人身意(yi)外傷害保(bao)險：是以人的(de)身體(ti)為(wei)保(bao)險標的(de)，以被(bei)保(bao)險人遭受意(yi)外傷害導(dao)致的(de)殘疾(ji)（或死亡）為(wei)給付條件的(de)保(bao)險。

2、按投保方式分類

（1）個人保險：單個(ge)被(bei)保(bao)(bao)險人在自愿選擇的基礎上投保(bao)(bao)人身保(bao)(bao)險稱為(wei)個(ge)人保(bao)(bao)險，保(bao)(bao)險對象為(wei)個(ge)人；、。

（2）聯合(he)(he)保(bao)(bao)險(xian)(xian)：將(jiang)存在一(yi)定(ding)利害關系的(de)兩個或兩個以上(shang)的(de)人(ren)(ren)視為同一(yi)個被保(bao)(bao)險(xian)(xian)人(ren)(ren)，如父母(mu)、夫妻、子女、兄弟姐妹或合(he)(he)作者(zhe)等多人(ren)(ren)，作為聯合(he)(he)被保(bao)(bao)險(xian)(xian)人(ren)(ren)同時投保(bao)(bao)的(de)人(ren)(ren)身保(bao)(bao)險(xian)(xian)稱為聯合(he)(he)保(bao)(bao)險(xian)(xian)。

（3）團(tuan)體保(bao)險：以一份總的保(bao)險合同承保(bao)某一機關、企業(ye)、事業(ye)單位或(huo)(huo)其他團(tuan)體的全體或(huo)(huo)大多數(shu)成員(yuan)的人(ren)身保(bao)險稱為團(tuan)體保(bao)險。

3、按保險期限分類

（1）長期業務：是保險(xian)期限超過一年的人身保險(xian)業務.

（2）一年期業(ye)務：以人身意(yi)外傷害保(bao)險居多，健康保(bao)險也可以是一年期業(ye)務。

（3）短(duan)期業(ye)務(wu)：保險(xian)期限不(bu)足一年的人身(shen)保險(xian)業(ye)務(wu)。

4、按實施方式分類

（1）強(qiang)制(zhi)人(ren)身(shen)保險(xian)(xian)：也稱為“法定(ding)人(ren)身(shen)保險(xian)(xian)”，是(shi)國家(jia)通過立法規定(ding)強(qiang)制(zhi)實行的人(ren)身(shen)保險(xian)(xian)。

（2）自(zi)愿人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)：是人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)雙(shuang)方當事人(ren)在公平(ping)自(zi)愿的(de)基礎上，通(tong)過訂立人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)合(he)同(tong)自(zi)愿締(di)結保(bao)(bao)險(xian)(xian)(xian)關系的(de)一種(zhong)人(ren)身(shen)保(bao)(bao)險(xian)(xian)(xian)形式(shi)，保(bao)(bao)險(xian)(xian)(xian)公司可以選擇被保(bao)(bao)險(xian)(xian)(xian)人(ren)和保(bao)(bao)險(xian)(xian)(xian)標的(de)，投保(bao)(bao)人(ren)可以自(zi)由(you)選擇保(bao)(bao)險(xian)(xian)(xian)公司、投保(bao)(bao)的(de)險(xian)(xian)(xian)種(zhong)、保(bao)(bao)險(xian)(xian)(xian)期限和保(bao)(bao)險(xian)(xian)(xian)金額。

二、人身保險和人壽保險有什么區別

在(zai)購(gou)買保險(xian)(xian)時經常(chang)會聽(ting)到“人(ren)壽保險(xian)(xian)”和“人(ren)身(shen)保險(xian)(xian)”這兩個詞(ci)，可能大(da)部(bu)分人(ren)都不清楚他們具體是(shi)(shi)什(shen)么含義，甚至有(you)人(ren)會認為這兩個詞(ci)是(shi)(shi)同一個意思，其實人(ren)身(shen)險(xian)(xian)和人(ren)壽險(xian)(xian)的區別還是(shi)(shi)有(you)的。

1、人身險

人(ren)身(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)（Personal insurance）是以人(ren)的(de)(de)生命或身(shen)(shen)體(ti)為(wei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)標(biao)的(de)(de)，在被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)的(de)(de)生命或身(shen)(shen)體(ti)發生保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)事故(gu)或保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)期滿時，依照保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)合同的(de)(de)規定，由保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)向被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)或受益(yi)人(ren)給付保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)金的(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)形(xing)式。人(ren)身(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)包括人(ren)壽保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)、傷害(hai)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)、健康保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)三種。在財產保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)中(zhong)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)承擔的(de)(de)是保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)標(biao)的(de)(de)損失的(de)(de)賠(pei)償責任，而在人(ren)身(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)中(zhong)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)承擔的(de)(de)是給付責任，不問損失與否(fou)與多(duo)少。為(wei)此，人(ren)身(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)通常(chang)均(jun)為(wei)定額保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)。

2、人壽保險

人(ren)(ren)壽保(bao)(bao)險(xian)(xian)(xian)(xian)（Life Insurance）是人(ren)(ren)身保(bao)(bao)險(xian)(xian)(xian)(xian)的(de)(de)一種(zhong)，以被保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)壽命(ming)為保(bao)(bao)險(xian)(xian)(xian)(xian)標(biao)的(de)(de)，且(qie)以被保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)生(sheng)存或死亡為給付(fu)條件的(de)(de)人(ren)(ren)身保(bao)(bao)險(xian)(xian)(xian)(xian) 。和所有(you)保(bao)(bao)險(xian)(xian)(xian)(xian)業務一樣，被保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)將風險(xian)(xian)(xian)(xian)轉(zhuan)嫁給保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)，接受保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)條款并(bing)支付(fu)保(bao)(bao)險(xian)(xian)(xian)(xian)費。與其他保(bao)(bao)險(xian)(xian)(xian)(xian)不同(tong)的(de)(de)是，人(ren)(ren)壽保(bao)(bao)險(xian)(xian)(xian)(xian)轉(zhuan)嫁的(de)(de)是被保(bao)(bao)險(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)生(sheng)存或者死亡的(de)(de)風險(xian)(xian)(xian)(xian)。