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)分為不同類型：

1、按保障范圍分類

（1）人(ren)壽保險(xian)：簡稱壽險(xian)，是一種(zhong)以人(ren)的(de)生死為保險(xian)對象的(de)保險(xian)，是被(bei)保險(xian)人(ren)在(zai)保險(xian)責任(ren)期內生存(cun)或死亡，由保險(xian)人(ren)根據(ju)契約規定給付保險(xian)金的(de)一種(zhong)保險(xian)。

（2）健康(kang)保(bao)險(xian)(xian)(xian)(xian)：是以人的(de)(de)身體(ti)為(wei)保(bao)險(xian)(xian)(xian)(xian)標的(de)(de)，以被(bei)保(bao)險(xian)(xian)(xian)(xian)人因(yin)疾病(bing)或意外傷(shang)害(hai)而導致(zhi)的(de)(de)傷(shang)、病(bing)風險(xian)(xian)(xian)(xian)為(wei)保(bao)險(xian)(xian)(xian)(xian)責任，使被(bei)保(bao)險(xian)(xian)(xian)(xian)人因(yin)傷(shang)、病(bing)發生的(de)(de)費(fei)用或損失得到補償的(de)(de)保(bao)險(xian)(xian)(xian)(xian)。

（3）人身意外(wai)傷害(hai)保(bao)險：是(shi)以(yi)人的(de)(de)身體為(wei)(wei)保(bao)險標(biao)的(de)(de)，以(yi)被保(bao)險人遭受(shou)意外(wai)傷害(hai)導(dao)致的(de)(de)殘疾（或死亡）為(wei)(wei)給付條件(jian)的(de)(de)保(bao)險。

2、按投保方式分類

（1）個人保險：單個(ge)被保(bao)(bao)險(xian)人(ren)(ren)在自(zi)愿選(xuan)擇的基礎上投保(bao)(bao)人(ren)(ren)身保(bao)(bao)險(xian)稱(cheng)為個(ge)人(ren)(ren)保(bao)(bao)險(xian)，保(bao)(bao)險(xian)對象為個(ge)人(ren)(ren)；、。

（2）聯(lian)合保(bao)險(xian)(xian)：將存在一定(ding)利害關系的兩(liang)個(ge)或(huo)(huo)兩(liang)個(ge)以上的人(ren)(ren)視為(wei)同一個(ge)被保(bao)險(xian)(xian)人(ren)(ren)，如父母、夫妻、子女、兄弟姐妹或(huo)(huo)合作者等多人(ren)(ren)，作為(wei)聯(lian)合被保(bao)險(xian)(xian)人(ren)(ren)同時投保(bao)的人(ren)(ren)身保(bao)險(xian)(xian)稱為(wei)聯(lian)合保(bao)險(xian)(xian)。

（3）團(tuan)體(ti)保(bao)險：以一份總的保(bao)險合同承保(bao)某一機關(guan)、企業(ye)、事業(ye)單位或其他團(tuan)體(ti)的全體(ti)或大(da)多數(shu)成員的人身(shen)保(bao)險稱(cheng)為(wei)團(tuan)體(ti)保(bao)險。

3、按保險期限分類

（1）長期(qi)業務(wu)：是(shi)保險期(qi)限超過一(yi)年的(de)人身(shen)保險業務(wu).

（2）一年期業務：以(yi)(yi)人身意(yi)外傷(shang)害保險(xian)居多，健康保險(xian)也可(ke)以(yi)(yi)是一年期業務。

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

4、按實施方式分類

（1）強制人(ren)身(shen)保(bao)險：也稱(cheng)為“法(fa)定(ding)人(ren)身(shen)保(bao)險”，是國家通(tong)過立法(fa)規定(ding)強制實(shi)行的人(ren)身(shen)保(bao)險。

（2）自愿(yuan)人身保(bao)(bao)險(xian)：是人身保(bao)(bao)險(xian)雙方當事人在公平自愿(yuan)的(de)基(ji)礎上，通過(guo)訂立(li)人身保(bao)(bao)險(xian)合同自愿(yuan)締結保(bao)(bao)險(xian)關系的(de)一種人身保(bao)(bao)險(xian)形式，保(bao)(bao)險(xian)公司可以選擇被保(bao)(bao)險(xian)人和(he)保(bao)(bao)險(xian)標(biao)的(de)，投保(bao)(bao)人可以自由選擇保(bao)(bao)險(xian)公司、投保(bao)(bao)的(de)險(xian)種、保(bao)(bao)險(xian)期限和(he)保(bao)(bao)險(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(chang)會聽到“人壽(shou)(shou)保險(xian)”和“人身(shen)保險(xian)”這(zhe)兩個(ge)詞(ci)，可能大部(bu)分人都不(bu)清楚他們具(ju)體是(shi)什么含義，甚至(zhi)有(you)人會認為這(zhe)兩個(ge)詞(ci)是(shi)同(tong)一個(ge)意思，其實人身(shen)險(xian)和人壽(shou)(shou)險(xian)的區別還是(shi)有(you)的。

1、人身險

人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)（Personal insurance）是以人(ren)(ren)(ren)的(de)(de)(de)生命或身(shen)體為(wei)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)，在被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)的(de)(de)(de)生命或身(shen)體發生保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)事故或保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)期滿時，依照(zhao)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)合(he)同的(de)(de)(de)規定，由保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)向被保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)或受益人(ren)(ren)(ren)給(gei)付(fu)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)金的(de)(de)(de)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)形式。人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)包括人(ren)(ren)(ren)壽保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、傷害保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)、健康保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)三種。在財產保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)中，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)承擔的(de)(de)(de)是保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)標(biao)的(de)(de)(de)損失的(de)(de)(de)賠(pei)償(chang)責(ze)任，而在人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)中，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)承擔的(de)(de)(de)是給(gei)付(fu)責(ze)任，不問損失與(yu)否與(yu)多少。為(wei)此(ci)，人(ren)(ren)(ren)身(shen)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)通常均(jun)為(wei)定額保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)。

2、人壽保險

人(ren)(ren)(ren)壽保(bao)(bao)(bao)(bao)險(xian)(xian)（Life Insurance）是人(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)的(de)(de)(de)一(yi)種，以被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)的(de)(de)(de)壽命為保(bao)(bao)(bao)(bao)險(xian)(xian)標的(de)(de)(de)，且以被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)的(de)(de)(de)生(sheng)存(cun)(cun)或死亡為給(gei)付條(tiao)件的(de)(de)(de)人(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian) 。和所有(you)保(bao)(bao)(bao)(bao)險(xian)(xian)業務一(yi)樣，被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)將風險(xian)(xian)轉嫁(jia)給(gei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)，接受保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)的(de)(de)(de)條(tiao)款并(bing)支付保(bao)(bao)(bao)(bao)險(xian)(xian)費(fei)。與其他保(bao)(bao)(bao)(bao)險(xian)(xian)不(bu)同的(de)(de)(de)是，人(ren)(ren)(ren)壽保(bao)(bao)(bao)(bao)險(xian)(xian)轉嫁(jia)的(de)(de)(de)是被(bei)保(bao)(bao)(bao)(bao)險(xian)(xian)人(ren)(ren)(ren)的(de)(de)(de)生(sheng)存(cun)(cun)或者死亡的(de)(de)(de)風險(xian)(xian)。