What types of insurance are available?

The types of insurance are summarized as follows:

If it is a large aspect, it is divided into social insurance and commercial insurance.

Social insurance includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance.

For commercial insurance, China's classification method is divided into property insurance and life insurance (and in foreign countries, it is generally divided into life insurance and non-life insurance).

Property insurance is divided into three types of insurance: property damage insurance, liability insurance, and credit guarantee insurance.

Further subdivided, it can be divided into:

a.Property insurance.

Insurers cover direct economic losses caused by fires and other natural disasters and accidents. The main types of insurance include enterprise property insurance, family property insurance, family property insurance (refers to the insurance type that only uses the interest paid as the insurance premium and returns all the principal at the end of the insurance period), foreign-related property insurance, and other property insurance that insurance companies consider suitable for opening.

b.Cargo transportation insurance.

It refers to the insurer's coverage of property losses caused by natural disasters and accidents during the transportation of goods. The main types of insurance include domestic cargo transportation insurance, domestic air transportation insurance, foreign-related (sea, land and air) cargo transportation insurance, postal package insurance, various additional insurance and special insurance.

c.Means of transport insurance.

It means that the insurer underwrites the loss of the means of transport itself and the liability of the third party due to natural disasters and accidents. The main types of insurance are automobile and motor vehicle insurance, ship insurance, aircraft insurance, and other means of transportation insurance.

d.Agricultural insurance.

It refers to the losses caused by natural disasters or accidents in the production process of planting, aquaculture, breeding and fishing.

e.Works Insurance.

It refers to the insurer's coverage of losses caused by comprehensive hazards of Sino-foreign joint ventures, imported technology projects and various professional projects related to foreign trade, as well as domestic construction and installation projects, mainly including construction engineering all risks, installation engineering all risks, machinery damage insurance, domestic construction and installation engineering insurance, ship construction insurance, and other industrial insurance underwritten by insurance companies.

f.Liability insurance.

It refers to the types of insurance that the insurer underwrites the civil liability of the insured, mainly including public liability insurance, third-party liability insurance, product liability insurance, employer's liability insurance, professional liability insurance and other types of insurance.

g.Guarantee Insurance.

It refers to the credit insurance underwritten by the insurer, and the insurance of the guarantor's own credit according to the requirements of the right holder is guarantee insurance; The insurance in which the right holder claims the credit of the guarantor is credit insurance. Including contract guarantee insurance, loyalty guarantee insurance, product guarantee insurance, commercial credit guarantee insurance, export credit insurance, investment (political risk) insurance.

There are still many types of insurance under Dajia Insurance, and more importantly, Dajia Insurance Group has added 4 new subsidiaries, which can provide users with more comprehensive protection. As a simple example, if you want to protect the property safety of your family or business, you can choose Property Insurance to cover the property of your family or business.

Users can not only choose medical insurance to get higher medical protection, but also choose Banganda comprehensive traffic accident insurance to provide higher safety for travel. In addition, we can also provide you with many other aspects of insurance services.

Summary. Hello, glad to answer for you! What types of insurance are available:

The types of insurance include social insurance and commercial insurance, and social insurance includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance. Commercial insurance is divided into property insurance and life insurance, of which property insurance is divided into three types of insurance: property loss insurance, liability insurance, and credit guarantee insurance. According to the classification of insurance risks, personal accident insurance can be divided into ordinary accident insurance and specific accident insurance.

Hello, glad to answer for you! What are the types of insurance: There are social insurance and commercial insurance in front of the car, and social insurance includes endowment insurance, medical insurance, unemployment return insurance, work-related injury insurance and maternity insurance.

Commercial insurance is divided into property insurance and life insurance, of which property insurance is divided into three types of insurance: property loss insurance, liability insurance, and credit guarantee insurance. According to the classification of insurance risks, personal accident insurance can be divided into ordinary accident insurance and specific accident insurance.

Hello dear, here is the extension I found for you: Social insurance refers to a social and economic system that provides income or compensation to people who are incapacitated, temporarily unemployed, or have lost their jobs due to health reasons. The main items of social insurance include endowment insurance, medical insurance, unemployment insurance, work-related injury insurance, and maternity insurance.

The social insurance program is organized by **, forcing a certain group to use a part of its income as a social insurance tax (fee) to form a social mega fiber insurance**, under the condition of meeting certain conditions, the insured can obtain 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 the form of insurance operated by entering into an insurance contract for the purpose of profit, which is operated by an insurance company that specializes in making a lawsuit. The commercial insurance relationship is a contractual relationship voluntarily concluded by the parties, in which the policyholder pays insurance premiums to the insurance company according to the contract, and the insurance company bears the responsibility of compensating for the property losses caused by the occurrence of accidents that may occur as agreed in the contract, or bears the responsibility of paying insurance money when the insured dies, is disabled, sick or reaches the agreed age and period.

There are two types of insurance, one is social insurance, while the other is commercial insurance.

1) Social insurance.

Social insurance is what we usually call social insurance, and social insurance is insurance launched by the state; Social insurance mainly includes endowment insurance, medical insurance, unemployment insurance, work-related injury insurance and maternity insurance.

The insurance included in social insurance is mainly for pension, medical care, unemployment, work-related injury and maternity five kinds of insurance, these five kinds of insurance are called five insurances, usually the company will pay five insurances for employees.

This kind of insurance is very compulsory, and the state is the main body of insurance, and the whole people pay for it.

There is a uniform standard for the contributions paid, and the benefits are broadly the same.

The scope of the guarantee is very broad, covering almost all citizens, as long as they pay it.

2) Commercial insurance.

There are many types of commercial insurance, such as: critical illness insurance, medical insurance, accident insurance, life insurance, annuity insurance, car insurance, and travel insurance.

There are many types of commercial insurance, and different insurances provide different protections.

Commercial insurance is different from social insurance because the insurance company is the underwriting entity, rather than the state as the underwriting entity.

The coverage of commercial insurance is directly proportional to the premium paid, and the more the cost, the more protection.

Commercial insurance covers a relatively narrow range of people.

1. Introduction to China Life Xinxiang Gold Annuity.

China Life Xinxiang Golden Annuity is an annuity insurance that contains two basic terms: paragraph A and paragraph B.

1. China Life Xinxiang Jinsheng Annuity Insurance Section A.

Issue age: 28 days old to 65 years old.

Payment period: 3 years, 5 years.

Insurance liability: Special survival insurance benefit: 50% of the premium paid in the first year on the 5th and 6th policy anniversaries respectively, a total of 2 times; For a premium payment period of 5 years, 100% of the first year premium will be paid on the 5th and 6th policy anniversaries respectively, for a total of 2 times.

Survival Premium: For those with a premium payment period of 3 years, 24% of the premium will be paid annually from the 7th policy anniversary to the end of the policy, and a total of 8 times will be paid; For those with a premium payment period of 5 years, 32% of the premium will be paid annually from the 7th policy anniversary until maturity, for a total of 8 times.

Maturity Survival Benefit: The insured will survive at the end of the insurance period and pay 100% of the basic sum insured.

Death Benefit: In the event of the death of the insured, the death benefit will be paid according to the premiums paid.

2. China Life Xinxiang Jinsheng Annuity Insurance Section B.

Issue age: 28 days old to 60 years old.

Payment period: 10 years.

Liability: Special Survival Benefit: 100% of the first year premium will be paid on the 5th and 6th policy anniversaries respectively, a total of 2 times.

Survival Benefit: 65% of the first year's premium will be paid annually from the 7th policy anniversary until maturity, a total of 8 times.

Maturity Survival Benefit: The insured will survive at the end of the insurance period and pay 100% of the basic sum insured.

Death Benefit: In the event of the death of the insured, the death benefit will be paid according to the premiums paid.

2. Analysis of the advantages and disadvantages of China Life Xinxiang Golden Annuity.

The most important thing before applying for insurance is to have a detailed understanding of the advantages and disadvantages of insurance products, to see if the insurance terms can meet the insurance needs, the following is an analysis of the China Life Xinxiang Jinsheng Annuity Insurance launched by Chinese Life, and take everyone to understand the advantages and disadvantages of this annuity insurance.

1. Advantages. Comprehensive protection: The insurance products include death benefit, maturity payment, special survival insurance benefit and survival insurance benefit, which is more comprehensive than other annuity insurance products in the market.

Access to sufficient funds: Insurance products can be matched with three universal accounts to help increase the value of funds, and insurance benefits will be fixed every year after 5 years of insurance, which can ensure the retirement life.

Flexible payment methods: insurance products provide insured users with three payment methods: 3 years, 5 years and 10 years, and the amount of annuity payment is different for different payment methods, so users can plan reasonably according to their actual situation.

2. Disadvantages. One thing you need to pay attention to when applying for insurance is that the cash value of this product is not publicly disclosed, so it is impossible to estimate the total amount of compensation to be paid in the event of survival.

Commercial insurance can be roughly divided into: property insurance, life insurance, liability insurance, credit insurance, allowance insurance, and marine insurance.

1. Property insurance refers to the insurance in which the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the liability for the loss caused by natural disasters or accidents by the insured property and its related interests according to the insurance contract.

2. Life insurance is a form of insurance in which the insurer pays insurance money to the insured or beneficiary in accordance with the provisions of the insurance contract when the insured life or body has an insured accident or the insurance period expires.

3. Liability insurance refers to the form of property insurance in which the insurer bears the liability for compensation when the insured shall be liable for civil liability to the third party in accordance with the law and is required to make a claim for compensation.

4. Credit insurance refers to the insurance method in which the insurer bears the liability for the economic losses suffered by the insured when the debtor refuses to perform the contract or fails to pay off the debts when the insured lends money or sells goods on credit.

5. Marine insurance is a business activity in which the insurer and the insured agree on the risks that may be encountered by ships, goods and other marine subjects through negotiation, and after the insured pays the agreed insurance premium, the insurer promises that once the above risks occur within the agreed time and cause losses to the insured, the insurer will give the insured economic compensation as agreed.

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.