What are the types of insurance?

Common types of insurance are social insurance, car insurance, life insurance, etc. The following is the specific classification of insurance: 1. According to the different subjects of insurance, it is divided into property insurance and life insurance.

Property insurance is divided into property loss (automobile insurance, engineering insurance), credit insurance, liability insurance, etc.; In life insurance, it is generally divided into life insurance, health insurance, accident insurance, etc. There are also textbooks that divide liability insurance into three categories (property insurance, life insurance, and liability insurance), but liability insurance is essentially property insurance, and liability insurance includes employer's liability insurance, product liability insurance, etc. 2. According to the different implementation methods, it is divided into compulsory insurance and voluntary insurance.

Compulsory insurance, also known as statutory insurance, is an insurance that is mandatory for you to participate in the form of laws promulgated by the state, such as the current compulsory car insurance. Voluntary insurance is insurance that is carried out on a voluntary basis by the insurer. 3. According to whether it is profitable, it is divided into commercial insurance and social insurance.

Commercial insurance is for-profit insurance; Social insurance is insurance that is not for profit, and is generally subsidized by the state, such as agricultural insurance and social security bought by the company. 4. According to the different business underwriting methods, it is divided into original insurance and reinsurance. Original insurance refers to the insurance in which the insurer bears direct and original liability for the loss caused by the insured accident caused by the insured accident.

Reinsurance is an insurance in which the original insurer insures the risks and then insures with other insurers and shares the risks with them. For example, insurance company A underwrites a large project, and in order to pass on the risk, it insures part of it to insurance company B, and the part of the insurance that is divided is reinsurance. In addition, according to the insured, in addition to the above categories, insurance is divided into individual insurance and group insurance.

Personal insurance is insurance in which the individual is the insured. Group insurance means that the insured has more than two insurances.

1. "Guarantor's" insurance.

1) Accident insurance: to prevent injuries caused by accidents, such as car accidents, drowning, burns, fractures, cat and dog scratches, etc.

2) Medical insurance can reimburse our medical and hospitalization expenses, similar to medical insurance, but generally more and more complete than medical insurance, which can greatly reduce the pressure on our medical expenses.

3) Critical illness insurance, mainly to prevent serious illness, buy critical illness insurance, if you suffer from cancer, acute myocardial infarction and other serious diseases, to meet the claim conditions, critical illness insurance can directly pay a sum of money, for illness, postoperative, to make up for the loss of income caused by the disease, etc.

4) Life insurance: to protect people's lives, if the insured dies, the insurance company directly pays the sum insured.

2. "Insurance" insurance.

Common property insurance, which is closely related to us ordinary people, mainly includes car insurance and home property insurance.

Car insurance, for example, if you buy a car, in addition to compulsory traffic insurance, you will usually buy car damage insurance, deductible insurance and other car insurance, in case your car is damaged, the car repair fee can be paid by the insurance company.

Home property insurance, the full name of "family property insurance", mainly protects our houses and indoor property, etc., three, "money" insurance.

Common financial management insurance includes: annuity insurance, participating insurance, universal insurance, and investment-linked insurance.

These four types of insurance, in addition to investment-linked insurance, all have a "capital preservation function", which is suitable for the medium and long-term savings of families.

Insurance is a Chinese word, pinyin is bǎo xiǎn, and in English it is insurance or insuraunce [1], which originally means safe and reliable protection; It is a tool used to plan life finances, the basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

Insurance refers to the commercial insurance behavior in which the insured pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of compensating for the property loss caused by the occurrence of the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

From an economic point of view, insurance is a financial arrangement for apportioning the loss of an accident; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and is a "delicate stabilizer" of social production and social life. From the perspective of risk management, insurance is a method of risk management.

If it is commercial insurance, it can be divided and understood from the following categories:

1.Property insurance.

Property insurance refers to insurance products designed for property damage. Property insurance can be divided into two categories: personal property insurance and corporate property insurance. Personal property insurance includes vehicle insurance, residential insurance, etc., and is mainly designed for personal property damage.

Enterprise property insurance includes engineering all risks, property comprehensive insurance, etc., which are mainly designed for enterprise property losses.

2.Life insurance policy.

Life insurance refers to insurance products that protect people's life, health and safety. Life insurance can be divided into three categories: life insurance, accident insurance, and health insurance. Life insurance refers to an insurance product that pays a certain amount of money to the beneficiary when the insured dies or reaches the age specified in the contract.

Accident insurance refers to an insurance product that pays a certain amount of money to the insured or his beneficiary when the insured suffers an accidental injury or death. Health insurance refers to an insurance product that pays a certain amount of money to the insured person in the event of illness or an unexpected event. Maybe you are interested in reading this article!

How to configure home insurance, so as to save money and do big things.

3.Liability insurance.

Liability insurance refers to an insurance product that covers the losses caused by the insured to a third party as a result of the insured's actions or activities. Liability insurance can be divided into employer's liability insurance, product liability insurance, professional liability insurance, etc. Employer's liability insurance refers to an insurance product that provides compensation to employers in the event of compensation due to an employee's injury or illness.

Product liability insurance refers to an insurance product that provides compensation to enterprises in the event of compensation due to product defects during the production or sale of products. Professional indemnity insurance refers to an insurance product that provides compensation to professionals in the event of compensation resulting from their professional actions.

4.Credit insurance.

Credit insurance refers to insurance products that protect the losses caused by commercial credit risks of enterprises. Credit insurance can be divided into credit insurance, bond insurance, guarantee insurance, etc. Credit insurance refers to an insurance product that provides compensation to enterprises in the event of losses caused by the default of the buyer or seller in the import and export process.

Bond insurance refers to an insurance product that provides compensation to investors in the event of losses caused by the debtor's default during the bond issuance process. Guarantee insurance refers to an insurance product that provides compensation to a business in the event of a loss caused by the guarantee provided by the business in order to obtain a loan or perform a contract.

If you don't understand anything about insurance, you can consult me, and you can find me by searching the Oak Insurance Plan and the official account of Oak Insurance.

Hello, there are many types of insurance, which are mainly divided into life insurance and property insurance. Risks are everywhere in life, and here is a recommendation for you, there are currently as many as 15 insurance companies providing accident insurance products, you can compare products and choose the right insurance for you. In addition, because of the different types of insurance you choose for different ages and occupations, you can also call 4006788618 and we will recommend the right insurance for you.

Huatai "Golden Life" comprehensive accident insurance

It covers high-value accidental injury, accidental medical treatment, and transportation protection, which is suitable for business travelers who often travel for business.

1. 500,000 yuan for general accident insurance and 50,000 yuan for accident medical insurance;

2. Aviation accident insurance is up to 2 million yuan, and train, ship and automobile insurance is 500,000 yuan;

"Taiping Fushou" accident insurance

Taiping Life Insurance is a comprehensive accident insurance with comprehensive coverage and a balanced amount of coverage, which is very suitable for purchase as a supplement to social insurance.

1. 100,000 yuan for general accident insurance and 20,000 yuan for accident medical insurance;

2. Aircraft accident insurance of 500,000 yuan, train and ship insurance of 200,000 yuan, passenger car insurance of 150,000 yuan;

A picture tells you the difference between insurance types.

1. Accident insurance: The main function of accident insurance is to avoid the loss of economic and economic losses caused by accidents.

2. Life insurance: life insurance can best reflect the essence of insurance, in general, the economic pillar of the family needs the protection of life insurance the most, because life insurance can help each family to a certain extent to avoid life difficulties caused by problems with the economic pillar. From the perspective of protection period, life insurance can be divided into one-year life insurance, term life insurance and whole life insurance.

3. Critical illness insurance: Critical illness insurance is a kind of health insurance, and the most important role for people is to pass on the economic losses caused by critical illness. Critical illness not only hurts people a lot, but also requires a lot of money.

A serious illness plus the first period, at least two or three years, in which the insured has no economic **, but also needs to spend living expenses, ** expenses, etc., if there is critical illness insurance care, the insurance money obtained after the accident can not only be used for various medical expenses, but also for living expenses, to a large extent can reduce the financial burden of the family.

4. Medical insurance: medical insurance can be used as compensation for medical insurance, mainly around the two problems of difficult and expensive medical treatment, the main role of medical insurance is to reimburse the medical expenses incurred by the insured in the process of medical treatment, and the medical insurance will not reimburse the expenses outside the medical treatment. According to the different content of medical insurance reimbursement, it can be divided into outpatient reimbursement, million medical insurance, general inpatient medical insurance, mid-end medical insurance and high-end medical insurance.

If the insurance belongs to commercial insurance, it is divided into life insurance and damage insurance according to the subject matter of insurance, life insurance includes death insurance, survival insurance, annuity insurance, pension insurance, etc., and damage insurance includes property insurance, liability insurance, guarantee insurance and credit insurance. If insurance is social insurance, it is divided into basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance.

1. Foshan individual insurance registration conditions.

Local residents, women aged 16 to under 50 and men aged 16 to under 60, can selectively participate in the basic pension insurance or basic medical insurance (level 1) of employees as flexible employees, and can also participate in the basic pension insurance and basic medical insurance (level 1) of employees at the same time, and cannot participate in work-related injury insurance, maternity insurance, and unemployment insurance. The household registration conditions of cities outside this province are those who have not yet received the basic pension of enterprise employees or the basic pension of urban and rural residents.

2. Jurisdiction over disputes over life insurance contracts.

The people's court at the place where the defendant is domiciled or where the subject matter of the insurance is located has jurisdiction over a lawsuit arising from a dispute over an insurance contract. Secondly, according to the different subject matter of insurance, the insurance contract is divided into property insurance contract and life insurance contract, the property insurance contract is the property and its related interests, and the life and body of the life insurance contract are the object of insurance.

3. What are the commercial insurances?

In general, commercial insurance includes two categories: life insurance and property insurance.

Among them, life insurance mainly includes children's insurance, endowment insurance, health insurance, accident insurance, life insurance, etc.; If classified according to the number of insured, it can be divided into individual insurance and group insurance; If it is classified according to the length of insurance time, it can be divided into short-term insurance and long-term insurance; If classified according to the type of loss, it can be divided into medical expense insurance, disability income loss insurance and long-term care insurance; According to the different payment methods, it can also be divided into expense-based insurance, subsidy-type insurance, and service-oriented products.

Property insurance mainly includes motor car insurance, enterprise property insurance, family property insurance, ship insurance, liability insurance, agricultural insurance, engineering insurance, credit insurance, etc.

Commercial insurance is based on the principle of voluntary purchase, which is a kind of business behavior, and insurance operators are independent accounting, independent operation, and self-responsibility for profits and losses for the purpose of pursuing profits.

Article 2 of the Social Insurance Law of the People's Republic of China.

The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

Summary. Hello, happy to answer for you, Hello, happy to answer for you, insurance can be divided into many types, here are 6 of the common types of insurance:1

Life insurance: Mainly to protect the life safety of the insured and the economic security of the family, the insurance money is generally paid when the insured dies or suffers from some major diseases. 2.

Health insurance: Mainly to protect the health of the insured, the insurance benefits are generally paid when the insured suffers from certain diseases or needs medical treatment**. 3.

Accident insurance: Mainly to protect the personal safety and economic interests of the insured in an accident, it is generally paid when the insured dies, becomes disabled or needs medical treatment due to an accident. 4.

Property insurance: Mainly to protect the property safety of the insured, including car insurance, home property insurance, commercial property insurance, etc. 5.

Travel insurance: Mainly to protect the safety and economic interests of the insured during the trip, it generally includes travel accident insurance, travel medical insurance, trip cancellation insurance, etc. 6.

Pension insurance: mainly to protect the retirement life of the insured, generally when the insured retires, the pension is generally paid.

Hello, I'm glad to answer for you, Hello, I'm glad to answer for you, insurance can be divided into many types, and here are 6 of the common types of insurance:1Life Insurance:

Mainly to protect the life safety of the insured and the economic security of the family, the insurance money is generally paid when the insured dies or suffers from some major diseases. 2.Health Insurance:

The main purpose is to protect the health of the insured, and the insurance benefit is generally paid when the insured suffers from certain diseases or needs medical treatment**. 3.Accident Insurance:

It is mainly to protect the personal safety and economic interests of the insured in an accident, and generally pays insurance benefits when the insured dies, becomes disabled or needs medical treatment due to an accident. 4.Property Insurance:

It is mainly to protect the property safety of the insured, including car insurance, home property insurance, commercial property insurance, etc. 5.Travel Insurance:

It is mainly to protect the safety and economic interests of the insured during the trip, which generally includes travel accident insurance, travel medical insurance, travel cancellation banquet insurance, etc. 6.Pension Insurance:

It is mainly to protect the retirement life of the insured, and the pension is generally paid when the insured retires.

Insurance is a Chinese word for grip front fighting, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is later extended into a guarantee mechanism, which is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the Duan Mo Jin Regret Slip System and Social Security System.