How many types of insurance are there? What exactly is covered?

It is divided into accident insurance, serious illness insurance, and pension insurance. Accident insurance means that when an accident occurs, such as accidental death or injury caused by an accident, the insurance company will pay us a specific amount. Critical illness insurance refers to the fact that when a major illness occurs, the insurance company will pay compensation.

For example, Chinese Life's cancer prevention insurance, the coverage is all cancers, including round face **i, specific cancer, etc., as long as you suffer from cancer, no matter which company, will pay you the corresponding amount.

You can go to the official website of Renren Insurance to learn about accident insurance and pension insurance.

Accident insurance, health insurance, life insurance, endowment insurance, children's health insurance and education fund insurance, as well as financial dividend insurance, ......

Accident, pension, security, financial management, property insurance, critical illness insurance, children's education insurance.

Hello, it is divided into accident insurance, health insurance, pension dividend insurance, and children's education insurance.

Hello, there are accidents, health, financial management, pension, children's education.

Divided into health, accidents, pension dividends, and children's education.

Hello, divided into accidents, health, financial pension, contact for details.

Accidents, Health, Financial Management, Education.

01. Critical illness insurance.

Critical illness insurance refers to the commercial insurance behavior of the insurance company that takes specific critical diseases, such as malignant tumors, acute myocardial infarction, sequelae of stroke, etc., as the protection items, and when the insured suffers from the above-mentioned diseases, the insurance company will give a fixed payment for the medical expenses spent.

02. Accident insurance.

As the name suggests, accident insurance is an insurance that receives insurance benefits as agreed when the insured person receives the insurance money according to the agreement after death, disability or medical expenses due to an accident.

03. Life insurance.

The liability of life insurance is the simplest and clearest, simply put, in addition to the exclusion clause, after the waiting period, the corresponding sum insured will be paid in death.

04. Medical insurance.

Medical insurance is a type of insurance that reimburses medical expenses that meet the terms and conditions. The medical expenses that can be reimbursed will include outpatient and hospitalization expenses, and the main categories of expenses can be subdivided into social insurance expenses and social insurance expenses.

05. Property insurance.

Property insurance is divided into two types of insurance, one is the loss of one's own property, which is common: car insurance, home property insurance, personal account insurance, etc.

The other is the compensation for the injury caused to the property or body of others, this type is the third party liability insurance, such as the third party liability insurance in the car insurance, bear insurance, personal and pet liability protection in the travel insurance, etc.

06. Endowment insurance.

As the name suggests, pension insurance means that after old age, you will receive living expenses every year. Specific to the type of insurance product, it is mainly annuity insurance.

What are the types of pension insurance?

It is divided into ordinary life insurance and new life insurance. General life insurance is divided into term life insurance, whole life insurance, endowment insurance and annuity insurance, and new life insurance includes participating insurance, investment-linked insurance and universal insurance. Choose term life insurance with a lower budget and low premiums; If you want to be able to claim no matter what, choose both insurances, which will have higher premiums; If you have a budget and focus on savings, you can choose whole life insurance.

Life Insurance:

1.Life insurance.

Life insurance is insurance that is based on the life or death of the insured person, and in layman's terms, the object of life insurance is the life of a person, and when the insured is completely disabled or dies, the insurance company will compensate.

Life insurance can be divided into term life insurance, whole life insurance, endowment insurance and annuity insurance.

2.Health insurance.

3.Accident insurance.

Accident insurance covers death and disability caused by accidental injury, when the insured is killed or disabled due to an accident and meets the conditions for claims, the insurance company will pay the insurance benefits in accordance with the contract.

Property Insurance:

Property insurance protects property or interests, and when the property or interests of the insured are lost, the insurance company will compensate in accordance with the contract.

There are many types of insurance, such as life insurance, accident insurance, etc. Many people also consciously buy themselves flight delay insurance and travel accident insurance before traveling. So, what are the different types of insurance?

Although there are many types of insurance subdivisions, in fact, there are two main categories of insurance: property insurance and life insurance, according to the different insurance objects.

What are the different types of insurance?

1. Property insurance.

Property insurance is easy to understand, and it is mainly a type of insurance that protects individual or collective property. For example, the most common car insurance in life, family property liability insurance, etc. Property insurance can also be divided into several subcategories.

1) Property damage insurance: As long as most of the property losses are involved, they can be covered, and the more common ones are enterprise property insurance, profit loss protection, family property insurance, etc.

For example, if a homeowner takes out a home contents insurance policy before traveling, and a month later, the homeowner comes home to find that the house has been burglarized and the home's property has been damaged, the homeowner can file a claim with the insurance company.

(2) Liability insurance: a type of insurance that mainly protects the civil liability for damages or the agreed contractual liability of the insured in accordance with the law as the subject of insurance.

Professional liability insurance, for example, tour guides, instructors and other people will often buy this type of insurance to be responsible for their own group members and students.

3) Credit insurance: It mainly occurs in the case of requiring the guarantee of the other party's credit, and the more common ones are commercial credit insurance and import and export credit insurance.

4) Agricultural insurance: It mainly refers to a type of insurance that underwrites natural disasters or unexpected disasters suffered by agricultural producers in the process of production.

For example, if a corn farmer has taken out agricultural insurance for his corn and does not expect to be in the event of a drought and no harvest, he can apply to the insurance company for a corresponding claim.

2. Life insurance.

Compared with property insurance, life insurance is more common, and life insurance is the focus of consumers' insurance in life.

1) Life insurance: It mainly underwrites the life expectancy of people, and the common life insurance includes ordinary life insurance (term life insurance, whole life insurance), comprehensive life insurance, participating life insurance, annuity life insurance and universal life insurance.

2) Accident insurance: voluntary accident insurance, compulsory accident insurance, ordinary accident insurance, specific accident insurance.

3) Health insurance: mainly medical insurance (general medical insurance, million medical insurance), disability income loss insurance, nursing insurance, critical illness insurance.

Insurance categories are divided into life insurance and property insurance: life insurance protects the body and life of the person, and property insurance protects property losses.

Classification of life insurance:1Life insurance is divided into life insurance, health insurance, accident insurance, and annuity insurance.

2.Life insurance covers "life and death", health insurance covers "sickness", accident insurance covers "death and disability", and annuity insurance covers "life and old age". 3.

When choosing an insurance product, focus on protection, not benefits.

The types of insurance mainly include accident insurance, critical illness insurance, medical insurance, life insurance and financial insurance. However, there is a slight age limit for these insurances, and not all insurance coverage is for life.

Critical illness insurance: If you are sick, the insurance company will give you a sum of money, and you will pay as much as you want to pay for the amount of insurance, you can see a doctor, you can take it home for use, whatever you want. Medical Insurance:

Reimbursement for medical treatment, reimbursement for the part that cannot be reported by social security. Term Life Insurance: Protect against the risk that family responsibilities cannot continue during peak periods.

Generally, you can buy an insurance amount that is about the same as a mortgage. Accident insurance: for all accidents caused by hanging, injured, disabled, give money or reimbursement.

Insurance is divided into car insurance and health insurance, car insurance is insurance for cars, and health insurance is specifically to protect people's health.

Insurance is mainly divided into commercial insurance, life insurance, health insurance, and endowment insurance. 1. The subject matter of insurance is different. 2. The amount of insurance is determined in different ways. 3. The insurance period is different. 4. The nature of insurance is different.

<> Summary: Insurance is an important financial product that can provide security to customers. Insurance can be divided into various types such as life insurance, property insurance, health insurance, family insurance, social insurance, etc.

Each type of insurance has its own characteristics and functions, and insurance companies will also provide a variety of insurance products for consumers to choose from.

Text: 1. Life insurance: Life insurance refers to a kind of insurance that the insurance company provides protection for the insured according to the identity, age, health status and other factors of the insured.

Among them, life insurance is the most common life insurance, which can provide property protection for the insured, as well as financial compensation for the insured's family members after the death of the insured.

2. Property insurance: Property insurance refers to a kind of insurance provided by an insurance company for the insured to provide material property protection. It can protect the insured's property from accidental losses, such as natural disasters such as fires, torrential rains, floods, etc., and it can also protect the insured's property from vandalism, such as theft, robbery, etc.

3. Health insurance: Health insurance refers to a kind of insurance that insurance companies provide health protection for the insured. It can provide services such as reimbursement of medical expenses, drug subsidies and other services for the insured, as well as certain financial compensation for the insured in the event of illness.

4. Family insurance: Family insurance refers to a kind of insurance that insurance companies provide family protection for the insured. It can provide the insured with services such as family property loss protection, family property damage protection, family accident dispersion injury protection, and provide certain financial compensation for the insured in the event of an accident.

5. Social insurance: Social insurance refers to a kind of insurance provided by insurance companies for the insured. It can provide unemployment insurance, work-related injury insurance, medical insurance, endowment insurance and other services for the insured, as well as provide certain economic compensation for the insured in the event of an accident.

To sum up, insurance can be divided into various types such as life insurance, property insurance, health insurance, family insurance, and social insurance. Each type of insurance has its own characteristics and functions, and insurance companies will also provide a variety of insurance products for consumers to choose from. Therefore, when choosing an insurance product, consumers should choose the most suitable insurance product according to their actual situation.

Baozen insurance is mainly divided into two categories: social insurance and commercial insurance. The subject of insurance is the subject of the insurance contract, which only includes the policyholder and the insurer. The insured, the beneficiary, and the policy owner are not insurance subjects unless they are the same person as the policyholder.

Among them, social insurance can be divided into endowment insurance, medical insurance, industrial insurance, work-related injury insurance and maternity insurance. Social insurance is generally paid by the unit, and the purpose is to ensure the reproduction of material and labor force and social stability. Commercial insurance can be divided into property insurance, life insurance, liability insurance, credit insurance, allowance insurance, and marine insurance.

Commercial insurance is generally purchased by yourself. Among them, property insurance is based on the property of the insured, the principle of loss compensation is the core principle of property insurance, and life insurance is based on the life or body of the insured.

According to the classification of insurance underwriting, insurance can be divided into original insurance, reinsurance, coinsurance and duplicate insurance

1) Original insurance: Original insurance is a kind of insurance that establishes an insurance relationship by directly signing an insurance contract between the insurer and the policyholder. In the original insurance relationship, the insurance demander transfers its risk to the insurer, and when the subject of insurance suffers losses within the scope of insurance liability, the insurer directly bears the liability for compensation or payment to the insured.

2) Reinsurance: Reinsurance (also known as "reinsurance") is a type of insurance in which an insurer transfers part or all of the risks and liabilities it underwrites to other insurers. It is the reinsurance ceding person who cedes the business, and it is the reinsurance recipient who receives the reinsurance business.

This risk transfer method is the vertical transfer of the original risk by the insurer, that is, the second risk transfer.

3) Co-insurance: Co-insurance (also known as "co-insurance") is an insurance in which several insurers jointly and directly underwrite the same insurance subject, the same risk and the same insurance interest. The sum of the insured amounts of each insurer of coinsurance is equal to the insured value of the subject matter of the insurance.

In insurance practice, it may be that multiple insurers sign insurance contracts with policyholders, or multiple insurers may issue a single insurance contract in the name of a single insurer. Unlike reinsurance, this type of risk transfer is a horizontal transfer of the original risk by the insurer, and it is still the first transfer of risk.

4) Duplicate insurance: Duplicate insurance refers to an insurance in which the policyholder concludes an insurance contract with two or more insurers with the same insurance subject, the same insurance interest and the same insured event. Like coinsurance, duplicate insurance is also a horizontal transfer of the original risk by the policyholder, and it is also the first transfer of risk.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

In general, the types of insurance are naturally divided into social insurance and commercial insurance. Social insurance, including endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance. Commercial insurance, divided into property insurance and life insurance.

Among them, property insurance is divided into three types of insurance: property loss insurance, liability insurance, and credit guarantee insurance. Life insurance can be divided into life insurance, health insurance, personal accident insurance, etc.

Social insurance refers to a social and economic system that provides income or compensation to a population that is incapacitated, temporarily unemployed, or lost due to health reasons. In China, social insurance is an important part of the social security system, and it occupies a central position in the entire social security system.

The social insurance program is organized by **, forcing a certain group to form social insurance ** as a part of its income as a social insurance tax (fee), and under the condition of meeting certain conditions, the insured can receive a fixed income or loss compensation from **, it is a redistribution system, its goal is to ensure the reproduction of material and labor force and social stability.

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 according to the contract, and the insurance company bears the responsibility of compensating for the property losses caused by the possible accidents as agreed in the contract.