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)眾多(duo)，按照不(bu)同的分(fen)類(lei)方(fang)式可分(fen)為(wei)不(bu)同類(lei)型：

1、按保障范圍分類

（1）人(ren)(ren)壽(shou)(shou)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)：簡稱壽(shou)(shou)險(xian)(xian)(xian)(xian)(xian)，是一種(zhong)以人(ren)(ren)的生死為(wei)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)對象的保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)，是被保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)在(zai)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)責任期內生存(cun)或死亡，由保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)根據契約規定給付保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)金的一種(zhong)保(bao)(bao)險(xian)(xian)(xian)(xian)(xian)。

（2）健(jian)康保(bao)險(xian)：是以人的身體為(wei)保(bao)險(xian)標的，以被保(bao)險(xian)人因疾病(bing)或意外傷害(hai)而導致的傷、病(bing)風險(xian)為(wei)保(bao)險(xian)責任，使被保(bao)險(xian)人因傷、病(bing)發生的費用或損失得(de)到補(bu)償(chang)的保(bao)險(xian)。

（3）人(ren)身意外傷(shang)害(hai)保(bao)險：是以人(ren)的(de)身體為保(bao)險標的(de)，以被保(bao)險人(ren)遭受(shou)意外傷(shang)害(hai)導(dao)致的(de)殘(can)疾(ji)（或死(si)亡(wang)）為給付條件的(de)保(bao)險。

2、按投保方式分類

（1）個人保險：單個(ge)被保險人(ren)(ren)在自愿選擇的基礎(chu)上投保人(ren)(ren)身保險稱為個(ge)人(ren)(ren)保險，保險對(dui)象為個(ge)人(ren)(ren)；、。

（2）聯(lian)(lian)合(he)保(bao)險(xian)：將存在一(yi)定利害關系的(de)兩個或兩個以上的(de)人視為(wei)同一(yi)個被保(bao)險(xian)人，如(ru)父母、夫妻、子女、兄弟姐妹或合(he)作者等多人，作為(wei)聯(lian)(lian)合(he)被保(bao)險(xian)人同時(shi)投保(bao)的(de)人身(shen)保(bao)險(xian)稱為(wei)聯(lian)(lian)合(he)保(bao)險(xian)。

（3）團(tuan)體(ti)保(bao)險：以一(yi)份總的保(bao)險合(he)同(tong)承保(bao)某(mou)一(yi)機關、企業、事業單(dan)位或其(qi)他團(tuan)體(ti)的全體(ti)或大多數成員的人身保(bao)險稱(cheng)為團(tuan)體(ti)保(bao)險。

3、按保險期限分類

（1）長期業(ye)務：是(shi)保(bao)(bao)險期限超過一年(nian)的人身保(bao)(bao)險業(ye)務.

（2）一年期業(ye)務：以人身意(yi)外傷害保險居多，健(jian)康保險也可以是(shi)一年期業(ye)務。

（3）短期業務：保(bao)險(xian)期限(xian)不足一年的(de)人身(shen)保(bao)險(xian)業務。

4、按實施方式分類

（1）強(qiang)(qiang)制(zhi)人身(shen)保險：也(ye)稱為“法(fa)定人身(shen)保險”，是國家通過立法(fa)規定強(qiang)(qiang)制(zhi)實行的(de)人身(shen)保險。

（2）自愿(yuan)人身(shen)保(bao)(bao)(bao)險：是人身(shen)保(bao)(bao)(bao)險雙方當事人在公(gong)平(ping)自愿(yuan)的(de)基(ji)礎上，通過訂立人身(shen)保(bao)(bao)(bao)險合同自愿(yuan)締結保(bao)(bao)(bao)險關系的(de)一種(zhong)人身(shen)保(bao)(bao)(bao)險形式，保(bao)(bao)(bao)險公(gong)司可(ke)以選(xuan)擇(ze)被保(bao)(bao)(bao)險人和(he)保(bao)(bao)(bao)險標的(de)，投保(bao)(bao)(bao)人可(ke)以自由(you)選(xuan)擇(ze)保(bao)(bao)(bao)險公(gong)司、投保(bao)(bao)(bao)的(de)險種(zhong)、保(bao)(bao)(bao)險期(qi)限和(he)保(bao)(bao)(bao)險金額(e)。

二、人身保險和人壽保險有什么區別

在購買(mai)保(bao)險(xian)時經常會(hui)聽到“人(ren)壽保(bao)險(xian)”和(he)(he)“人(ren)身(shen)保(bao)險(xian)”這兩個(ge)詞，可能大(da)部分人(ren)都不清(qing)楚他們具體是什么含義，甚至有人(ren)會(hui)認為這兩個(ge)詞是同(tong)一個(ge)意(yi)思(si)，其(qi)實人(ren)身(shen)險(xian)和(he)(he)人(ren)壽險(xian)的區(qu)別還是有的。

1、人身險

人(ren)(ren)身(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)（Personal insurance）是(shi)以人(ren)(ren)的生(sheng)命或身(shen)(shen)體為(wei)(wei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的，在(zai)(zai)被保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)的生(sheng)命或身(shen)(shen)體發生(sheng)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)事故或保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)期(qi)滿時(shi)，依照保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)合同(tong)的規定，由(you)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)向被保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)或受益(yi)人(ren)(ren)給付(fu)(fu)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)金的保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)形式。人(ren)(ren)身(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)包(bao)括(kuo)人(ren)(ren)壽(shou)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、傷害保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)、健康保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)三種。在(zai)(zai)財(cai)產保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)承擔的是(shi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的損失(shi)的賠償責任，而在(zai)(zai)人(ren)(ren)身(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)承擔的是(shi)給付(fu)(fu)責任，不問損失(shi)與否(fou)與多少。為(wei)(wei)此(ci)，人(ren)(ren)身(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)通(tong)常均為(wei)(wei)定額(e)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)。

2、人壽保險

人(ren)(ren)(ren)壽保(bao)險(xian)(xian)(xian)（Life Insurance）是人(ren)(ren)(ren)身(shen)保(bao)險(xian)(xian)(xian)的(de)(de)(de)一種，以(yi)被(bei)(bei)保(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)的(de)(de)(de)壽命為(wei)保(bao)險(xian)(xian)(xian)標的(de)(de)(de)，且(qie)以(yi)被(bei)(bei)保(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)的(de)(de)(de)生(sheng)(sheng)存或(huo)死亡為(wei)給(gei)付條件的(de)(de)(de)人(ren)(ren)(ren)身(shen)保(bao)險(xian)(xian)(xian) 。和(he)所有保(bao)險(xian)(xian)(xian)業(ye)務一樣，被(bei)(bei)保(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)將風(feng)險(xian)(xian)(xian)轉嫁給(gei)保(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)，接(jie)受保(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)的(de)(de)(de)條款并(bing)支付保(bao)險(xian)(xian)(xian)費。與其(qi)他保(bao)險(xian)(xian)(xian)不同的(de)(de)(de)是，人(ren)(ren)(ren)壽保(bao)險(xian)(xian)(xian)轉嫁的(de)(de)(de)是被(bei)(bei)保(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)的(de)(de)(de)生(sheng)(sheng)存或(huo)者死亡的(de)(de)(de)風(feng)險(xian)(xian)(xian)。