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，按照不(bu)同的分(fen)類(lei)方(fang)式可分(fen)為不(bu)同類(lei)型：

1、按保障范圍分類

（1）人壽保險(xian)(xian)(xian)：簡稱壽險(xian)(xian)(xian)，是(shi)一種(zhong)以人的生(sheng)死為保險(xian)(xian)(xian)對象的保險(xian)(xian)(xian)，是(shi)被保險(xian)(xian)(xian)人在保險(xian)(xian)(xian)責任期內生(sheng)存或死亡，由保險(xian)(xian)(xian)人根(gen)據契約規定給付保險(xian)(xian)(xian)金(jin)的一種(zhong)保險(xian)(xian)(xian)。

（2）健康保險(xian)(xian)：是(shi)以(yi)(yi)人(ren)的(de)身體為保險(xian)(xian)標的(de)，以(yi)(yi)被保險(xian)(xian)人(ren)因疾病或(huo)意(yi)外傷害而導致(zhi)的(de)傷、病風(feng)險(xian)(xian)為保險(xian)(xian)責(ze)任，使被保險(xian)(xian)人(ren)因傷、病發生的(de)費用或(huo)損失得到補償的(de)保險(xian)(xian)。

（3）人(ren)(ren)身(shen)意(yi)外傷害保(bao)(bao)險(xian)：是以人(ren)(ren)的(de)身(shen)體(ti)為保(bao)(bao)險(xian)標的(de)，以被(bei)保(bao)(bao)險(xian)人(ren)(ren)遭受意(yi)外傷害導致的(de)殘疾（或(huo)死(si)亡(wang)）為給付(fu)條件的(de)保(bao)(bao)險(xian)。

該圖片由注冊用戶"夜話金融街"提供，版權聲明反饋

2、按投保方式分類

（1）個人保險：單個(ge)被(bei)保(bao)險人在自愿選(xuan)擇的基(ji)礎上投(tou)保(bao)人身保(bao)險稱為個(ge)人保(bao)險，保(bao)險對象為個(ge)人；、。

（2）聯(lian)合(he)保險(xian)：將存(cun)在一定(ding)利(li)害關(guan)系(xi)的兩(liang)個(ge)(ge)或兩(liang)個(ge)(ge)以上(shang)的人視為同一個(ge)(ge)被保險(xian)人，如父母、夫妻、子女、兄弟姐(jie)妹或合(he)作(zuo)者等多人，作(zuo)為聯(lian)合(he)被保險(xian)人同時投保的人身保險(xian)稱為聯(lian)合(he)保險(xian)。

（3）團(tuan)體保(bao)險(xian)(xian)：以(yi)一(yi)份總的(de)保(bao)險(xian)(xian)合同承保(bao)某(mou)一(yi)機關、企業、事業單位或其他團(tuan)體的(de)全體或大多數成(cheng)員的(de)人身保(bao)險(xian)(xian)稱為(wei)團(tuan)體保(bao)險(xian)(xian)。

3、按保險期限分類

（1）長期業務：是保(bao)險期限超過一年的人身保(bao)險業務.

（2）一年(nian)期(qi)業務：以(yi)人身(shen)意外傷害保險(xian)居多，健康保險(xian)也可(ke)以(yi)是一年(nian)期(qi)業務。

（3）短期(qi)業(ye)務：保(bao)險期(qi)限不(bu)足一年的人身保(bao)險業(ye)務。

4、按實施方式分類

（1）強制(zhi)人(ren)身保(bao)險：也稱為“法定人(ren)身保(bao)險”，是國(guo)家通過(guo)立法規定強制(zhi)實行的人(ren)身保(bao)險。

（2）自愿人(ren)身保(bao)險(xian)：是人(ren)身保(bao)險(xian)雙方當事人(ren)在(zai)公(gong)平自愿的基(ji)礎上，通過訂立人(ren)身保(bao)險(xian)合同(tong)自愿締(di)結保(bao)險(xian)關系的一種人(ren)身保(bao)險(xian)形(xing)式(shi)，保(bao)險(xian)公(gong)司(si)可(ke)以(yi)選擇(ze)被保(bao)險(xian)人(ren)和保(bao)險(xian)標的，投(tou)保(bao)人(ren)可(ke)以(yi)自由選擇(ze)保(bao)險(xian)公(gong)司(si)、投(tou)保(bao)的險(xian)種、保(bao)險(xian)期(qi)限和保(bao)險(xian)金額(e)。

二、人身保險和人壽保險有什么區別

在購買(mai)保(bao)(bao)險(xian)時經常會(hui)聽(ting)到(dao)“人(ren)壽保(bao)(bao)險(xian)”和“人(ren)身(shen)保(bao)(bao)險(xian)”這(zhe)(zhe)兩個詞，可(ke)能大部分人(ren)都不清(qing)楚他們具體是(shi)什么含義，甚(shen)至有人(ren)會(hui)認為這(zhe)(zhe)兩個詞是(shi)同一個意(yi)思，其實人(ren)身(shen)險(xian)和人(ren)壽險(xian)的區別還是(shi)有的。

1、人身險

人(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)（Personal insurance）是以人(ren)(ren)的(de)(de)生命(ming)或身(shen)體(ti)(ti)為保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)，在(zai)被保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)的(de)(de)生命(ming)或身(shen)體(ti)(ti)發生保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)事故或保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)期滿(man)時，依照保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)合同的(de)(de)規定(ding)，由(you)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)向(xiang)被保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)或受益人(ren)(ren)給付保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)金的(de)(de)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)形式。人(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)包括人(ren)(ren)壽保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、傷(shang)害保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、健康保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)三種(zhong)。在(zai)財產保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)(zhong)，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)承(cheng)擔的(de)(de)是保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)標的(de)(de)損失(shi)(shi)的(de)(de)賠償(chang)責任，而在(zai)人(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)(zhong)，保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)承(cheng)擔的(de)(de)是給付責任，不問損失(shi)(shi)與(yu)否與(yu)多少。為此，人(ren)(ren)身(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)通常均(jun)為定(ding)額保(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)。

2、人壽保險

人(ren)(ren)壽(shou)保(bao)(bao)險(xian)(xian)（Life Insurance）是(shi)人(ren)(ren)身(shen)保(bao)(bao)險(xian)(xian)的(de)(de)(de)(de)一種，以被保(bao)(bao)險(xian)(xian)人(ren)(ren)的(de)(de)(de)(de)壽(shou)命為保(bao)(bao)險(xian)(xian)標的(de)(de)(de)(de)，且以被保(bao)(bao)險(xian)(xian)人(ren)(ren)的(de)(de)(de)(de)生存或(huo)死亡(wang)為給(gei)付(fu)條件的(de)(de)(de)(de)人(ren)(ren)身(shen)保(bao)(bao)險(xian)(xian) 。和所有保(bao)(bao)險(xian)(xian)業務一樣，被保(bao)(bao)險(xian)(xian)人(ren)(ren)將風(feng)險(xian)(xian)轉(zhuan)嫁(jia)給(gei)保(bao)(bao)險(xian)(xian)人(ren)(ren)，接受保(bao)(bao)險(xian)(xian)人(ren)(ren)的(de)(de)(de)(de)條款并支付(fu)保(bao)(bao)險(xian)(xian)費。與(yu)其他保(bao)(bao)險(xian)(xian)不同的(de)(de)(de)(de)是(shi)，人(ren)(ren)壽(shou)保(bao)(bao)險(xian)(xian)轉(zhuan)嫁(jia)的(de)(de)(de)(de)是(shi)被保(bao)(bao)險(xian)(xian)人(ren)(ren)的(de)(de)(de)(de)生存或(huo)者死亡(wang)的(de)(de)(de)(de)風(feng)險(xian)(xian)。