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(zhong)多，按照不(bu)(bu)同的分(fen)(fen)類(lei)方式可(ke)分(fen)(fen)為不(bu)(bu)同類(lei)型(xing)：

1、按保障范圍分類

（1）人壽保(bao)(bao)(bao)(bao)險(xian)(xian)：簡稱壽險(xian)(xian)，是(shi)一種(zhong)以人的(de)生(sheng)死為保(bao)(bao)(bao)(bao)險(xian)(xian)對象的(de)保(bao)(bao)(bao)(bao)險(xian)(xian)，是(shi)被保(bao)(bao)(bao)(bao)險(xian)(xian)人在保(bao)(bao)(bao)(bao)險(xian)(xian)責任期內生(sheng)存或死亡，由(you)保(bao)(bao)(bao)(bao)險(xian)(xian)人根據契約(yue)規定給(gei)付保(bao)(bao)(bao)(bao)險(xian)(xian)金的(de)一種(zhong)保(bao)(bao)(bao)(bao)險(xian)(xian)。

（2）健康保(bao)(bao)險(xian)：是(shi)以人的(de)身(shen)體為保(bao)(bao)險(xian)標(biao)的(de)，以被保(bao)(bao)險(xian)人因疾病(bing)或(huo)意外傷害而(er)導致的(de)傷、病(bing)風險(xian)為保(bao)(bao)險(xian)責任，使(shi)被保(bao)(bao)險(xian)人因傷、病(bing)發生的(de)費用或(huo)損失得(de)到補償的(de)保(bao)(bao)險(xian)。

（3）人(ren)身意外傷害保險(xian)：是以(yi)人(ren)的(de)身體為保險(xian)標(biao)的(de)，以(yi)被(bei)保險(xian)人(ren)遭受(shou)意外傷害導致的(de)殘(can)疾（或死亡）為給付條(tiao)件的(de)保險(xian)。

2、按投保方式分類

（1）個人保險：單(dan)個(ge)被(bei)保(bao)險(xian)人在自(zi)愿選擇的(de)基(ji)礎上投保(bao)人身保(bao)險(xian)稱為個(ge)人保(bao)險(xian)，保(bao)險(xian)對(dui)象(xiang)為個(ge)人；、。

（2）聯(lian)合(he)保(bao)險：將存(cun)在一定利(li)害關系的(de)兩(liang)個或(huo)兩(liang)個以上(shang)的(de)人視為同一個被保(bao)險人，如父(fu)母、夫妻、子女(nv)、兄弟(di)姐(jie)妹或(huo)合(he)作者等多(duo)人，作為聯(lian)合(he)被保(bao)險人同時投保(bao)的(de)人身保(bao)險稱為聯(lian)合(he)保(bao)險。

（3）團體(ti)保(bao)(bao)險：以(yi)一份總的保(bao)(bao)險合同承(cheng)保(bao)(bao)某一機關、企業、事業單位(wei)或其他團體(ti)的全體(ti)或大多數成員的人身保(bao)(bao)險稱為團體(ti)保(bao)(bao)險。

3、按保險期限分類

（1）長期業務(wu)：是保(bao)險期限超過一年(nian)的人身保(bao)險業務(wu).

（2）一年(nian)期業務：以(yi)人身(shen)意外傷害(hai)保(bao)險(xian)居多，健(jian)康保(bao)險(xian)也可以(yi)是一年(nian)期業務。

（3）短期(qi)業務(wu)：保險期(qi)限不足一年的人身保險業務(wu)。

4、按實施方式分類

（1）強制人(ren)身保險：也稱為“法定人(ren)身保險”，是(shi)國(guo)家通過立(li)法規定強制實行的人(ren)身保險。

（2）自(zi)愿(yuan)人(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)：是人(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)雙方當事(shi)人(ren)在公平自(zi)愿(yuan)的基礎上，通過訂立人(ren)身保(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)關系的一(yi)種人(ren)身保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)形式，保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司可以選擇(ze)被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)人(ren)和(he)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)標的，投保(bao)(bao)(bao)(bao)人(ren)可以自(zi)由選擇(ze)保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)公司、投保(bao)(bao)(bao)(bao)的險(xian)(xian)(xian)種、保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)期限和(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

在購(gou)買保(bao)險(xian)(xian)時(shi)經(jing)常會聽到“人壽保(bao)險(xian)(xian)”和“人身(shen)保(bao)險(xian)(xian)”這(zhe)兩個(ge)(ge)詞，可(ke)能(neng)大(da)部分(fen)人都不清楚他(ta)們具體是什么含義，甚(shen)至有人會認為這(zhe)兩個(ge)(ge)詞是同一(yi)個(ge)(ge)意思(si)，其實人身(shen)險(xian)(xian)和人壽險(xian)(xian)的區(qu)別還(huan)是有的。

1、人身險

人(ren)(ren)身(shen)(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)（Personal insurance）是(shi)以人(ren)(ren)的(de)生命(ming)或(huo)(huo)(huo)身(shen)(shen)(shen)體為(wei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的(de)，在被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)的(de)生命(ming)或(huo)(huo)(huo)身(shen)(shen)(shen)體發生保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)事故或(huo)(huo)(huo)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)期滿時，依照保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)合同(tong)的(de)規(gui)定(ding)，由保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)向被(bei)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)或(huo)(huo)(huo)受益人(ren)(ren)給(gei)付保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)金(jin)的(de)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)形式。人(ren)(ren)身(shen)(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)包括人(ren)(ren)壽保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、傷害保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)、健康(kang)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)三種。在財產保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)承(cheng)擔的(de)是(shi)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)標(biao)的(de)損失(shi)的(de)賠(pei)償責任，而(er)在人(ren)(ren)身(shen)(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)中，保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)人(ren)(ren)承(cheng)擔的(de)是(shi)給(gei)付責任，不問(wen)損失(shi)與否與多少。為(wei)此(ci)，人(ren)(ren)身(shen)(shen)(shen)保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)通常均為(wei)定(ding)額保(bao)(bao)(bao)(bao)(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)(xian)(xian)。

2、人壽保險

人(ren)壽(shou)保(bao)險(xian)（Life Insurance）是人(ren)身(shen)保(bao)險(xian)的(de)(de)(de)一種(zhong)，以(yi)被(bei)保(bao)險(xian)人(ren)的(de)(de)(de)壽(shou)命為保(bao)險(xian)標的(de)(de)(de)，且(qie)以(yi)被(bei)保(bao)險(xian)人(ren)的(de)(de)(de)生存或死亡(wang)為給付條件的(de)(de)(de)人(ren)身(shen)保(bao)險(xian) 。和所(suo)有保(bao)險(xian)業(ye)務一樣，被(bei)保(bao)險(xian)人(ren)將風險(xian)轉(zhuan)嫁給保(bao)險(xian)人(ren)，接(jie)受保(bao)險(xian)人(ren)的(de)(de)(de)條款并(bing)支付保(bao)險(xian)費。與其他(ta)保(bao)險(xian)不同的(de)(de)(de)是，人(ren)壽(shou)保(bao)險(xian)轉(zhuan)嫁的(de)(de)(de)是被(bei)保(bao)險(xian)人(ren)的(de)(de)(de)生存或者死亡(wang)的(de)(de)(de)風險(xian)。