What commercial insurance is available in the market and what are the commercial insurances?

1. General medical insurance.

This type of insurance is the most widely available type of insurance in medical insurance, and is responsible for the outpatient and inpatient medical expenses incurred by the insured due to illness and accidental injury. General medical insurance is generally underwritten in groups or as an additional liability to individual long-term life insurance, and medical insurance benefits are generally paid in the form of compensation, with a maximum limit for each time.

2. Accidental injury medical insurance.

This type of insurance is responsible for the medical expenses incurred by the insured due to accidental injuries as an additional liability for accident insurance. The sum insured can be the same as the basic insurance or can be agreed separately. Generally, medical insurance premiums are paid by compensation, not only to stipulate the insurance amount, that is, the payment limit, but also to stipulate the first period.

3. Hospitalization medical insurance.

This type of insurance is responsible for the medical expenses incurred by the insured when he needs to be hospitalized due to illness or accidental injury**, and is not responsible for the outpatient medical expenses of the insured.

4. Surgical medical insurance.

This type of insurance is a single medical insurance and only covers the medical expenses incurred by the insured person for the surgery, whether it is an outpatient surgery** or an inpatient surgery**. Surgical medical insurance can be covered separately or as an add-on to accident or life insurance. In the case of surgical medical insurance paid in the form of compensation, only the amount of insurance is specified as the maximum cumulative benefit limit, and in the case of fixed-amount surgical medical insurance, the insurance company only pays a fixed amount of medical insurance premiums according to the type of surgery performed by the insured.

5. Special disease insurance.

This type of insurance is insured when the insured suffers from a specific disease. When the insured is diagnosed with a specific disease, the insurer pays the insurance money according to the agreed amount to meet the financial needs of the insured. A specific illness insurance policy can cover only one specific illness or several specific illnesses.

It can be insured separately or as an additional insurance for life insurance, generally using a fixed amount of payment, and the insurer pays the insurance money in a lump sum according to the insured amount, and the insurance liability is terminated. How to choose commercial medical insurance As a supplement to social medical insurance, commercial medical insurance has attracted more and more attention. Faced with the dazzling number of medical insurance types in the insurance market, people often do not understand their own needs and insurance terms, and spend money but do not get the protection they deserve.

Hope it helps.

1. Property insurance - enterprise property insurance, family property insurance, motor vehicle insurance, domestic cargo transportation insurance, liability insurance, credit insurance and guarantee insurance, agricultural insurance.

2 Life insurance – life insurance, personal accident insurance, health insurance.

Life Insurance – General Life Insurance, Annuity Insurance, Simple Life Insurance, Group Life Insurance, Participating Insurance, Investment 3-Link Insurance, Universal Insurance.

Personal Accident Insurance - Voluntary Accident Insurance, Compulsory Accident Insurance, General Accident Insurance, Specific Accidental Injury Insurance.

Health insurance – medical insurance, sickness insurance, loss of disability income insurance, nursing care insurance.

Medical insurance – general medical insurance, hospitalization insurance, surgical insurance, comprehensive medical insurance.

There are many types, namely accidental injury, accidental medical treatment, hospitalization medical treatment, critical illness, children's education, pension, and financial management, seven categories, which should be purchased according to your personal needs.

All you buy in insurance companies are commercial insurance.

1. Property insurance.

Property insurance includes motor vehicle insurance, enterprise property insurance, family property insurance, ship insurance, liability insurance, guarantee insurance, cargo transportation insurance, accident insurance, agricultural insurance, engineering insurance, credit insurance, etc.

2. Life insurance.

Life insurance is a kind of life insurance, which takes the life of the insured as the subject of insurance and the life or death of the insured as the condition of payment. As with all insurance businesses, the insured passes the risk to the insurer, accepts the insurer's terms and pays the premium. Unlike other insurances, life insurance passes on the risk of survival or death of the insured.

3. Health insurance.

Health insurance, also known as "sickness insurance". It refers to life insurance in which the insurer pays the insurance money to the insured when the insured suffers from physical illness. Health insurance usually covers medical expenses, loss of income, funeral expenses, and living expenses for survivors.

Commercial insurance is a voluntary form of insurance, usually established by an insurance company for profit.

The list of insured objects of commercial insurance is absolutely balanced, and it can be people and things (including tangible and intangible).

Commercial Provia insurance includes property insurance, life insurance, and health insurance.

Introduction to commercial insurance types:

1. Property insurance: including motor vehicle insurance, accident insurance, family property insurance, etc.

2. Life insurance and health insurance: including short-term health insurance, long-term health insurance, illness insurance, medical insurance, etc.

Commercial insurance refers to a form of insurance that is operated by entering into an insurance contract for the purpose of profit, and is operated by specialized insurance companies. The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, in which the policyholder pays the insurance premium to the insurance company in accordance with the contract, and the insurance company bears the responsibility of compensating for the property damage caused by the occurrence of the accident that may occur according to the contract, or bears the responsibility of paying the insurance money when the insured dies, is disabled, sick or reaches the agreed age and period. The main commercial insurance is:

1. Life insurance.

1. Life insurance:

Life insurance, which we often hear about as death insurance, is a life insurance that takes the survival or death of the insured as the condition of payment, and life insurance can be divided into term life insurance, whole life insurance, endowment insurance, and annuity insurance.

The first three mainly provide death and total disability protection, which can solve the problems of family responsibility and asset inheritance, while annuity insurance is mainly used for quiet stool and financial management.

2. Health insurance:

Health insurance can be divided into critical illness insurance and medical insurance, which is based on the body of the insured, and the insurance company will pay the insurance money according to the agreement in the event of the occurrence of the contract.

3. Accident insurance:

Accident insurance means that when the insured dies or becomes disabled due to an accident during the insurance period, the insurance company will pay compensation according to the amount agreed in the contract, in order to solve the personal and family losses caused by the accident risk.

IIProperty insurance.

Property insurance is an insurance product that takes property or interests as the object of insurance, which can be mainly divided into property damage insurance, liability insurance and credit guarantee insurance. When the insurer suffers a loss of property or related interests covered by the insurer, the insurance company will compensate in accordance with the contract.

Test your anti-risk index, experts will interpret it for you for free!

Business insurance refers to a form of insurance that is operated for profit through the conclusion of an insurance contract. Commercial insurance is operated by specialized insurance companies, and commercial insurance relationships are contractual relationships voluntarily concluded by the parties.

The policyholder shall pay the insurance premium to the insurance company in accordance with the contract, and the insurance company shall be liable for the compensation of the insurance money according to the property loss caused by the possible accident as agreed in the contract, or shall be liable for the payment of insurance money when the insured dies, is disabled, sick or reaches the age and time limit agreed upon by the insured.

The main types of commercial insurance are accident insurance, health insurance, pension insurance, education insurance, financial insurance, etc. Accident insurance mainly covers accidents, health insurance mainly covers illness, pension insurance mainly covers future old age, and education insurance mainly covers children's education expenses. Wealth management insurance is mainly used for investment and financial management.

Policyholders can choose the right insurance product according to their own needs.

Answer: Commercial insurance refers to the insurance launched by the insurance company for the purpose of profit, and like other insurance, the policyholder voluntarily signs a contract with the insurance company, and if the insured unfortunately has an accident specified in the contract, the insurance company will pay the expenses agreed in the contract.

Question: I said that I am now getting unemployment insurance money, and I went to the factory to buy commercial insurance, and if I still have unemployment insurance money in the future, I will not buy it if I don't have it.

1. The employer and the employee have paid unemployment insurance premiums for 2 years before becoming unemployed;

2. Interruption of employment not due to one's own will;

3. Have been registered as unemployed and have job search requirements. Among them, the interruption of employment without the intention of the person includes the following circumstances: termination of the labor contract; The labor contract is terminated by the employer; Those who have been fired, removed from the company, or resigned; c. The employer compels labor by means of violence, coercion or illegal restriction of personal freedom, and the worker notifies the employer to terminate the labor contract; d. The employer fails to pay labor remuneration or provide labor requirements as agreed in the labor contract, and the employee notifies the employer to terminate the labor contract; and where there are other restrictions by laws and administrative regulations.

Commercial insurance has nothing to do with unemployment insurance, yes.

The question is that I have now received unemployment insurance money for two months, and if I enter the factory and buy commercial insurance again, will it affect the unemployment insurance money?

Commercial insurance and social insurance are not a system.

Unemployment insurance is social insurance, and commercial insurance is not social insurance.

Question: If you buy commercial insurance, you won't have unemployment insurance money.

Commercial insurance includes life insurance, property insurance, and taking car insurance as an example, the commercial insurance of car insurance includes third-party liability insurance, theft insurance, vehicle personnel liability insurance, vehicle loss insurance, body scratch loss insurance, spontaneous combustion loss insurance, glass shattering insurance, and deductible insurance.

[Legal basis].

Article 12 of the Insurance Law provides that the policyholder of life insurance shall have an insurable interest in the insured at the time of the conclusion of the insurance contract. The insured of property insurance shall have an insurable interest in the subject matter of insurance at the time of the occurrence of an insured event. Life insurance is insurance that takes a person's life and body as the subject of insurance.

Property insurance is insurance that takes property and its related interests as the subject matter of insurance. The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. The policyholder can be the insured.

Insurance interest refers to the legally recognized interest of the policyholder or the insured in the subject matter of insurance.

1. Life insurance: life insurance is the relevant insurance with the human body as the subject of insurance, and can be divided into life insurance, health insurance and accident insurance, of which life insurance can be divided into survival insurance, death insurance, comprehensive insurance and annuity insurance, etc., health insurance is mainly medical insurance, critical illness insurance, etc.;

2. Property insurance: The subject matter of property insurance is usually property or other rights and interests, which can be mainly divided into property loss insurance, liability insurance, etc.

These are the two main types of commercial insurance.

Social medical insurance is basic medical insurance, which is a basic social insurance system that compensates ordinary people for the expenses or other direct and indirect economic losses due to various diseases. Generally, enterprises and institutions will pay medical insurance for employees to provide basic protection for the medical health of employees, and when employees are sick and go to the hospital for treatment, the relevant units of medical insurance will pay and compensate for the insurance money. The medical insurance system has given full play to its role in resource redistribution and balancing, so that workers with poor economic conditions can enjoy the medical treatment they deserve.

With the growing awareness of insurance, buying commercial insurance has become a risk-averse choice. However, many policyholders are not clear about the scope and types of commercial insurance, so what reputations are included in commercial insurance?

1. There are three main types of commercial insurance: health insurance, life insurance and property insurance.

2. Property insurance: to help the policyholder avoid property risks, including motor vehicle insurance, enterprise property insurance, family property insurance, ship insurance, liability insurance, guarantee insurance, cargo transportation insurance, etc.

3. Life insurance: refers to the life of the policyholder, with survival or death as the condition for the payment of insurance money. Life insurance is mainly for people to solve the protection of accidents, pension, medical and other risks, simply put, the purchase of life insurance, mainly for the pension and other life events in advance, so that people can obtain a certain survival guarantee.

Specifically, there are various types of Huye, such as term life insurance, whole life insurance, survival life insurance, and life and death.

4. Health insurance: Strictly speaking, it is also a kind of life insurance, but specifically, health insurance is mainly to protect the body of the insured, and when an illness or accident occurs, the expenses incurred due to the harm to the insured's body are compensated. It takes personal health as the detailed guarantee content, including important illness insurance, medical insurance, nursing insurance, disability income insurance and other types.

The above is the specific type of insurance included in commercial insurance, when you buy insurance, pay attention to verify the policy information, and confirm with the insurance company to ensure that you buy the right insurance.