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)眾多，按(an)照(zhao)不同(tong)的(de)分(fen)類(lei)方(fang)式可分(fen)為不同(tong)類(lei)型：

1、按保障范圍分類

（1）人(ren)壽保(bao)(bao)險(xian)(xian)：簡稱壽險(xian)(xian)，是一種以人(ren)的(de)生(sheng)死為保(bao)(bao)險(xian)(xian)對象的(de)保(bao)(bao)險(xian)(xian)，是被保(bao)(bao)險(xian)(xian)人(ren)在保(bao)(bao)險(xian)(xian)責任期內(nei)生(sheng)存(cun)或死亡，由保(bao)(bao)險(xian)(xian)人(ren)根據契約規定給付保(bao)(bao)險(xian)(xian)金的(de)一種保(bao)(bao)險(xian)(xian)。

（2）健康(kang)保(bao)險(xian)(xian)(xian)(xian)：是以人(ren)的(de)身體為(wei)保(bao)險(xian)(xian)(xian)(xian)標(biao)的(de)，以被保(bao)險(xian)(xian)(xian)(xian)人(ren)因(yin)疾病或意(yi)外(wai)傷害而導(dao)致的(de)傷、病風險(xian)(xian)(xian)(xian)為(wei)保(bao)險(xian)(xian)(xian)(xian)責任，使被保(bao)險(xian)(xian)(xian)(xian)人(ren)因(yin)傷、病發生的(de)費用(yong)或損失得到(dao)補償的(de)保(bao)險(xian)(xian)(xian)(xian)。

（3）人(ren)身意外傷害保險：是以(yi)人(ren)的(de)(de)身體為保險標的(de)(de)，以(yi)被保險人(ren)遭受(shou)意外傷害導致的(de)(de)殘疾（或死亡）為給付條件(jian)的(de)(de)保險。

2、按投保方式分類

（1）個人保險：單個(ge)被(bei)保(bao)險(xian)人在自(zi)愿選(xuan)擇的(de)基礎上(shang)投保(bao)人身保(bao)險(xian)稱為(wei)個(ge)人保(bao)險(xian)，保(bao)險(xian)對象為(wei)個(ge)人；、。

（2）聯(lian)合保(bao)險(xian)：將存在一定利害關系的兩(liang)(liang)個(ge)或(huo)兩(liang)(liang)個(ge)以(yi)上的人(ren)(ren)視為同一個(ge)被(bei)保(bao)險(xian)人(ren)(ren)，如父母、夫妻、子女、兄弟姐妹或(huo)合作(zuo)者等多人(ren)(ren)，作(zuo)為聯(lian)合被(bei)保(bao)險(xian)人(ren)(ren)同時投(tou)保(bao)的人(ren)(ren)身(shen)保(bao)險(xian)稱為聯(lian)合保(bao)險(xian)。

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

3、按保險期限分類

（1）長期(qi)業務(wu)：是保險期(qi)限超過(guo)一(yi)年的人身保險業務(wu).

（2）一年期業務：以人(ren)身(shen)意外傷害(hai)保險(xian)居多(duo)，健(jian)康保險(xian)也可(ke)以是一年期業務。

（3）短期業(ye)務：保險期限不足一年的人身保險業(ye)務。

4、按實施方式分類

（1）強(qiang)制人身(shen)保(bao)險：也稱為“法定人身(shen)保(bao)險”，是國家通過立法規(gui)定強(qiang)制實行的人身(shen)保(bao)險。

（2）自(zi)愿(yuan)人(ren)(ren)(ren)(ren)身(shen)(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)：是人(ren)(ren)(ren)(ren)身(shen)(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)雙方當事(shi)人(ren)(ren)(ren)(ren)在公(gong)平自(zi)愿(yuan)的(de)基(ji)礎上(shang)，通過訂立人(ren)(ren)(ren)(ren)身(shen)(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合同自(zi)愿(yuan)締結保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)關系的(de)一種(zhong)人(ren)(ren)(ren)(ren)身(shen)(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)形式，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司(si)可以選(xuan)擇被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)(ren)和保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標的(de)，投保(bao)(bao)(bao)(bao)(bao)(bao)人(ren)(ren)(ren)(ren)可以自(zi)由選(xuan)擇保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)公(gong)司(si)、投保(bao)(bao)(bao)(bao)(bao)(bao)的(de)險(xian)(xian)(xian)(xian)(xian)種(zhong)、保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)期限和保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(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(jing)常(chang)會(hui)聽到“人(ren)(ren)(ren)壽保險(xian)”和“人(ren)(ren)(ren)身保險(xian)”這兩個(ge)詞，可能大部分(fen)人(ren)(ren)(ren)都(dou)不清楚他(ta)們具體是什么含義(yi)，甚至有人(ren)(ren)(ren)會(hui)認(ren)為這兩個(ge)詞是同一個(ge)意思，其(qi)實人(ren)(ren)(ren)身險(xian)和人(ren)(ren)(ren)壽險(xian)的區別還是有的。

1、人身險

人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)（Personal insurance）是以人(ren)(ren)(ren)的(de)生(sheng)命或(huo)(huo)身(shen)體為保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)(biao)的(de)，在被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)的(de)生(sheng)命或(huo)(huo)身(shen)體發生(sheng)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)事故或(huo)(huo)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)期(qi)滿時，依照(zhao)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合同(tong)的(de)規(gui)定(ding)，由保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)向被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)或(huo)(huo)受益人(ren)(ren)(ren)給付(fu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金的(de)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)形式。人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)包括人(ren)(ren)(ren)壽保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、傷害保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)、健康保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)三種。在財產(chan)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)中(zhong)，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)承擔(dan)的(de)是保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)(biao)的(de)損失的(de)賠償責(ze)任，而在人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)中(zhong)，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)承擔(dan)的(de)是給付(fu)責(ze)任，不問損失與否與多少。為此，人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)通常均為定(ding)額保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。

2、人壽保險

人(ren)壽(shou)保(bao)險(xian)(xian)(xian)（Life Insurance）是(shi)人(ren)身保(bao)險(xian)(xian)(xian)的(de)(de)一(yi)種，以(yi)被(bei)保(bao)險(xian)(xian)(xian)人(ren)的(de)(de)壽(shou)命為保(bao)險(xian)(xian)(xian)標(biao)的(de)(de)，且(qie)以(yi)被(bei)保(bao)險(xian)(xian)(xian)人(ren)的(de)(de)生(sheng)存或死亡為給付條(tiao)件(jian)的(de)(de)人(ren)身保(bao)險(xian)(xian)(xian) 。和所有保(bao)險(xian)(xian)(xian)業務一(yi)樣，被(bei)保(bao)險(xian)(xian)(xian)人(ren)將風(feng)險(xian)(xian)(xian)轉(zhuan)嫁給保(bao)險(xian)(xian)(xian)人(ren)，接(jie)受保(bao)險(xian)(xian)(xian)人(ren)的(de)(de)條(tiao)款并支付保(bao)險(xian)(xian)(xian)費。與其他保(bao)險(xian)(xian)(xian)不同的(de)(de)是(shi)，人(ren)壽(shou)保(bao)險(xian)(xian)(xian)轉(zhuan)嫁的(de)(de)是(shi)被(bei)保(bao)險(xian)(xian)(xian)人(ren)的(de)(de)生(sheng)存或者死亡的(de)(de)風(feng)險(xian)(xian)(xian)。