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(zhong)類(lei)眾多，按照(zhao)不(bu)同的分類(lei)方式可分為(wei)不(bu)同類(lei)型：

1、按保障范圍分類

（1）人(ren)壽(shou)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)：簡稱(cheng)壽(shou)險(xian)(xian)(xian)，是一種(zhong)以人(ren)的生死(si)為保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)對(dui)象的保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)，是被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)在保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)責任期內生存或死(si)亡，由保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)根據契(qi)約規定給付(fu)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)金的一種(zhong)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)。

（2）健康保(bao)(bao)險：是以(yi)(yi)人(ren)(ren)的身體為保(bao)(bao)險標的，以(yi)(yi)被(bei)保(bao)(bao)險人(ren)(ren)因疾(ji)病或(huo)意(yi)外傷害而導致的傷、病風險為保(bao)(bao)險責任，使(shi)被(bei)保(bao)(bao)險人(ren)(ren)因傷、病發生的費用或(huo)損失得到(dao)補償(chang)的保(bao)(bao)險。

（3）人身意(yi)外(wai)傷(shang)害保(bao)險(xian)：是以人的(de)(de)身體為保(bao)險(xian)標的(de)(de)，以被保(bao)險(xian)人遭受意(yi)外(wai)傷(shang)害導致的(de)(de)殘疾(ji)（或死亡(wang)）為給(gei)付條件的(de)(de)保(bao)險(xian)。

2、按投保方式分類

（1）個人保險：單個(ge)被保(bao)(bao)險(xian)人(ren)在自愿選擇的基礎(chu)上投(tou)保(bao)(bao)人(ren)身保(bao)(bao)險(xian)稱為個(ge)人(ren)保(bao)(bao)險(xian)，保(bao)(bao)險(xian)對(dui)象為個(ge)人(ren)；、。

（2）聯(lian)合保(bao)(bao)(bao)(bao)(bao)險(xian)：將存在一(yi)定利(li)害關(guan)系的(de)兩個(ge)或(huo)兩個(ge)以上的(de)人(ren)視為(wei)同一(yi)個(ge)被保(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)，如父母、夫妻(qi)、子(zi)女、兄弟姐妹(mei)或(huo)合作(zuo)者(zhe)等多人(ren)，作(zuo)為(wei)聯(lian)合被保(bao)(bao)(bao)(bao)(bao)險(xian)人(ren)同時投保(bao)(bao)(bao)(bao)(bao)的(de)人(ren)身保(bao)(bao)(bao)(bao)(bao)險(xian)稱為(wei)聯(lian)合保(bao)(bao)(bao)(bao)(bao)險(xian)。

（3）團體(ti)保險(xian)：以一(yi)份總的(de)保險(xian)合(he)同承保某一(yi)機關、企業、事業單位或其他團體(ti)的(de)全體(ti)或大多數成員(yuan)的(de)人身保險(xian)稱(cheng)為(wei)團體(ti)保險(xian)。

3、按保險期限分類

（1）長期業(ye)務(wu)：是保險(xian)期限超過一年的人身(shen)保險(xian)業(ye)務(wu).

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

（3）短期業務：保險期限(xian)不足一年(nian)的(de)人身保險業務。

4、按實施方式分類

（1）強(qiang)(qiang)制人(ren)身(shen)保險：也稱為“法定(ding)人(ren)身(shen)保險”，是國家通(tong)過(guo)立法規定(ding)強(qiang)(qiang)制實行的人(ren)身(shen)保險。

（2）自(zi)愿(yuan)人身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)：是(shi)人身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)雙方當事人在公平自(zi)愿(yuan)的(de)基礎上，通過訂立人身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)合同自(zi)愿(yuan)締結保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)關系(xi)的(de)一(yi)種人身(shen)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)形(xing)式，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司可(ke)以(yi)選(xuan)擇被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人和(he)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標的(de)，投(tou)保(bao)(bao)(bao)(bao)人可(ke)以(yi)自(zi)由選(xuan)擇保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司、投(tou)保(bao)(bao)(bao)(bao)的(de)險(xian)(xian)(xian)種、保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)期限(xian)和(he)保(bao)(bao)(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)購買(mai)保險(xian)時經(jing)常會(hui)聽(ting)到“人(ren)(ren)壽保險(xian)”和(he)(he)“人(ren)(ren)身(shen)保險(xian)”這(zhe)(zhe)兩個(ge)(ge)詞(ci)，可能大部分人(ren)(ren)都不(bu)清楚他們具體是(shi)什么含義，甚至(zhi)有人(ren)(ren)會(hui)認為這(zhe)(zhe)兩個(ge)(ge)詞(ci)是(shi)同一個(ge)(ge)意(yi)思，其實人(ren)(ren)身(shen)險(xian)和(he)(he)人(ren)(ren)壽險(xian)的(de)區別還(huan)是(shi)有的(de)。

1、人身險

人(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)（Personal insurance）是以人(ren)(ren)(ren)的生命或(huo)(huo)身體為(wei)(wei)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的，在被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)的生命或(huo)(huo)身體發生保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)事故或(huo)(huo)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)期滿時，依照保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)合(he)同(tong)的規定(ding)，由(you)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)向被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)或(huo)(huo)受益人(ren)(ren)(ren)給付(fu)保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)金的保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)形式。人(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(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)(xian)(xian)(xian)、傷害保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)、健康保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)三種。在財產保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)承(cheng)擔的是保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的損失的賠(pei)償責任(ren)，而在人(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)中(zhong)，保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)(ren)承(cheng)擔的是給付(fu)責任(ren)，不問損失與否與多少(shao)。為(wei)(wei)此，人(ren)(ren)(ren)身保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)通(tong)常均為(wei)(wei)定(ding)額保(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)(xian)。

2、人壽保險

人(ren)(ren)(ren)壽保(bao)(bao)(bao)險(xian)(xian)(xian)（Life Insurance）是(shi)人(ren)(ren)(ren)身(shen)(shen)保(bao)(bao)(bao)險(xian)(xian)(xian)的(de)(de)一種，以被保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)的(de)(de)壽命為(wei)保(bao)(bao)(bao)險(xian)(xian)(xian)標(biao)的(de)(de)，且以被保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)的(de)(de)生存或死(si)亡為(wei)給付條件的(de)(de)人(ren)(ren)(ren)身(shen)(shen)保(bao)(bao)(bao)險(xian)(xian)(xian) 。和所有保(bao)(bao)(bao)險(xian)(xian)(xian)業務一樣，被保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)將(jiang)風險(xian)(xian)(xian)轉(zhuan)嫁給保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)，接受保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)的(de)(de)條款并(bing)支(zhi)付保(bao)(bao)(bao)險(xian)(xian)(xian)費。與其他保(bao)(bao)(bao)險(xian)(xian)(xian)不(bu)同的(de)(de)是(shi)，人(ren)(ren)(ren)壽保(bao)(bao)(bao)險(xian)(xian)(xian)轉(zhuan)嫁的(de)(de)是(shi)被保(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)(ren)(ren)的(de)(de)生存或者死(si)亡的(de)(de)風險(xian)(xian)(xian)。