Hello, commercial insurance has different results according to different classification methods.
According to the subject matter of insurance, it can be divided into individual insurance and group insurance; According to the business security object, it is divided into four categories: property insurance, personal insurance, liability insurance and credit insurance; Personal insurance mainly includes personal accident insurance, sickness insurance (also called health insurance) and life insurance (divided into death insurance, survival insurance and old-age security).
The main types of insurance of general insurance companies are: auto insurance, accident insurance, travel insurance, health insurance, life insurance, family property insurance and enterprise insurance. For individuals who apply for commercial insurance, for adults, it is suggested that when choosing commercial insurance, they can be screened according to specific age, occupational category, insurance amount and compensation. It is generally recommended to give priority to health insurance and accident insurance, and then choose the corresponding financial insurance and endowment insurance according to the actual situation, which is more suitable for individual needs.
I hope it helps you.
What are the classifications of commercial insurance?
Commercial insurance Commercial insurance, also known as financial insurance, is relative to social insurance. Commercial insurance organizations collect insurance premiums from the insured according to the insurance contract, establish insurance funds, and be liable for compensation for property losses caused by the contract; Or when the insured dies, is disabled, falls ill, or reaches the age and time limit agreed in the contract, it is a contractual act that bears the responsibility of paying insurance benefits.
It has the following characteristics:
1. The business entity of commercial insurance is a commercial insurance company.
2. The insurance relationship reflected by commercial insurance is embodied in the insurance contract.
3. The objects of commercial insurance can be people and things (tangible and intangible), and the specific objects are people's life and body, property, interests, responsibilities and credit related to property.
4. Commercial insurance shall be operated for profit, so as to obtain the maximum profit and ensure that the insured can enjoy the maximum economic security.
Social Insurance Social insurance refers to a social security system that is enforced by the state through legislation, funded by workers, enterprises (employers) or communities, and established by the state to provide material assistance to workers themselves or their immediate family members when they lose their ability to work or temporarily lose their jobs due to old age, work injury, illness, maternity, disability, unemployment, death and other reasons.
It has the functions of guaranteeing the basic livelihood of workers, maintaining social stability and promoting economic development.
It has the following characteristics:
1. Supportability: refers to guaranteeing the basic livelihood of workers.
2. Universality: Social insurance covers all social workers.
3. Mutual assistance: Use the joint efforts of the insured to help a person in danger, help each other and meet emergency needs.
4. Mandatory: Limited by national legislation, employers and employees are required to participate.
5. Welfare: Social insurance is an act, not for profit.
The difference between commercial insurance and social insurance;
1, different in nature: social insurance is guaranteed and not for profit; Commercial insurance is operational and aims at pursuing economic benefits.
2. The foundation is different: social insurance is based on labor relations. As long as labor relations are formed, employers must handle social insurance for employees; Commercial insurance is voluntary insurance, and the rights and obligations of both parties are established in the form of contracts.
3. Different management systems: social insurance is managed by * * * functional departments; Commercial insurance is operated by an insurance company of enterprise nature.
4. Different objects: the object of participating in social insurance is workers, whose scope is stipulated by law and limited by qualifications; The object of commercial insurance is a natural person, and the applicant is generally not restricted, as long as he is willing to insure and fulfill the terms of the contract.
5. The scope of protection is different: social insurance solves the living security of the vast majority of workers; Commercial insurance only solves some problems of the insured.
6. Different sources of funds: the social insurance fund is shared by the state, enterprises and individuals; Commercial insurance funds are only a single source of insurance premiums for policyholders.
7. Different treatment schemes: the principle of social insurance benefits is to ensure the basic livelihood of workers. Insurance benefits are generally paid monthly and adjusted every year with the increase of average social wages; Commercial insurance determines the claim standard according to the principle of "more insurance, less investment and less insurance, no investment and no insurance".
8. Timeliness is different: social insurance is a stable and continuous system of the country; Commercial insurance is a one-off, short-term enterprise behavior.
9. The legal basis is different: social insurance is legislated by labor law and its supporting regulations, while commercial insurance is legislated by economic law, commercial insurance law and its supporting regulations.
References:
2o2t/...3 ...
What are the specific types of commercial insurance?
Property insurance-enterprise property insurance, family property insurance, motor vehicle insurance, domestic cargo transportation insurance, liability insurance, credit insurance, guarantee insurance and agricultural insurance.
Life insurance-life insurance, personal accident insurance, health insurance.
Life insurance-general life insurance, annuity insurance, simple life insurance, whole life insurance, dividend insurance, investment-linked insurance and universal insurance.
Personal accident insurance-Voluntary accident insurance, compulsory accident insurance, general accident insurance and specific accident insurance.
Health insurance-medical insurance, sickness insurance, disability income loss insurance and nursing insurance.
Medical insurance-general medical insurance, hospitalization insurance, operation insurance and comprehensive medical insurance.
What kinds of auto insurance commercial insurance are there?
The types of auto insurance can be divided into compulsory insurance and commercial insurance according to their nature, and the types of auto insurance can also be divided into basic insurance and additional insurance according to the scope of responsibility. Basic insurance includes third party liability insurance (third party insurance) and automobile loss insurance (automobile damage insurance); The insured can choose to be partially insured or fully insured.
How many types of commercial insurance are there?
There are many kinds of commercial insurance, which can be divided into property insurance and life insurance according to the different subject matter of insurance.
Property insurance-enterprise property insurance, family property insurance, motor vehicle insurance, domestic cargo transportation insurance, liability insurance, credit insurance, guarantee insurance and agricultural insurance.
Life insurance-life insurance, personal accident insurance, health insurance.
Life insurance-ordinary life insurance, annuity insurance, simple life insurance, group life insurance, dividend insurance, investment-linked insurance and universal insurance.
Personal accident insurance-Voluntary accident insurance, compulsory accident insurance, general accident insurance and specific accident insurance.
Health insurance-medical insurance, sickness insurance, disability income loss insurance and nursing insurance.
What kinds of commercial insurance are there?
Hello, the types of commercial insurance include accident insurance, health insurance, financial insurance and so on. For individuals, it is recommended to give priority to the promotion of guaranteed insurance when purchasing insurance, and then choose pension or financial insurance. You can choose the appropriate insurance according to your actual situation and compare with insurance companies. You can also look at the reference link on how to buy personal insurance: tieba.baidu/p/3704560447.
What kinds of commercial insurance are there? What kind of commercial insurance should individuals buy?
Hello!
There are many types of commercial insurance, such as accident insurance, medical insurance, dividend insurance, old-age insurance and so on.
On the whole, for individuals, the best security scheme is to improve their social security first, and then choose appropriate commercial insurance as a supplement according to their actual specific security needs.
Under normal circumstances, the best insurance strategy for personal commercial insurance is to improve accident insurance, health insurance and other types of insurance, and then choose appropriate pension insurance and financial insurance as appropriate supplements.
References:
Commercial insurance recommendation: zhidao.baidu/...2.
I hope my answer is helpful to you!
What kinds of commercial health insurance are there? Which is the best?
Hello!
Basically, every company has health insurance with major diseases as the main guarantee, and each company has its own characteristics. If we simply compare products, it is difficult to distinguish which company is superior.
Health insurance has various forms, such as consumption type, return type, term type, life-long type, early payment type, extra payment type, single payment type, multiple payment type, no mild illness type, mild illness type, fixed coverage type, increased coverage type, traditional protection type, high-end medical treatment type, etc., to meet the needs of customers of different ages, levels and different needs.
It is suggested to improve social security first, and then make a choice in Huize.com by combining the comprehensive factors such as family economic situation and personal working environment!
What kinds of insurance are there?
According to the classification, there are many kinds of insurance:
1, property insurance, life insurance, liability insurance
2. Personal insurance and commercial insurance
3. Compulsory insurance and voluntary insurance
4. Original insurance and reinsurance
5. Commercial insurance and social insurance
General insurance:
I. Personal insurance
1. Endowment insurance mainly composed of security and savings: ordinary (1) Ping An life insurance (2) incremental endowment insurance (3) life insurance.
2. Medical insurance mainly composed of guarantee and compensation: general (1) comprehensive medical insurance (2) subsidy insurance (3) critical illness insurance (4) additional hospitalization medical insurance.
3. Personal accident insurance based on protection: ordinary (1) aviation personal insurance (2) travel accident insurance.
4. Dividend insurance and insurance investment linked products to guarantee and pay dividends.
Second, investment insurance.
1. Dividend insurance (suitable for short-term investment)
2. Investment-linked insurance (suitable for long-term investment of 20-30 years)
3. Universal insurance (suitable for idle capital investment) Insurance categories classified according to the nature, purpose, object, insurance regulations and historical habits of insurance business. There are no fixed principles and unified standards for the classification of insurance business in the world, and countries usually adopt different classification methods according to their own needs.
The classification method is divided into two categories: personal insurance and damage insurance according to whether the subject matter of insurance is people or things. The insurance premium paid by the insured due to illness or accidental disability, death or loss of working ability, old-age retirement or expiration of the insurance contract is personal insurance, including death insurance, survival insurance, annuity insurance and endowment insurance. Property or interests damaged by disasters and accidents are compensated economically, which means damage insurance, including property insurance, liability insurance, guarantee insurance and credit insurance.
It is divided into original insurance and reinsurance according to whether the insurer bears all the responsibilities. Reinsurance, also known as reinsurance, means that an insurer applies insurance liability to another insurer or multiple insurers again to spread risks. There are two kinds of reinsurance: proportional reinsurance and excess loss reinsurance. The former can be subdivided into quota share reinsurance and surplus reinsurance, while the latter can be subdivided into excess indemnity reinsurance and excess payout ratio reinsurance. The forms of reinsurance include temporary reinsurance, fixed reinsurance and reserve reinsurance.
According to the nature of insurance business, it can be divided into policy insurance and commercial insurance. The vast majority of insurances have commercial motives and are operated by insurance companies in accordance with commercial practices, while policy insurance is provided according to relevant laws or policies of * * * *, including social insurance, property insurance and liability insurance, mostly to implement an economic or social policy of * * * *.
According to the implementation of insurance, it can be divided into voluntary insurance and compulsory insurance. Voluntary insurance means that the parties establish a contractual relationship on the basis of equality, mutual benefit and voluntariness. The applicant can decide whether to insure, the type, amount and duration of the subject matter insured, and the insurer can also choose whether to insure and its related underwriting items and contents. Compulsory insurance, also known as statutory insurance, is the legal relationship between the insured and the insurer, which is mandated by laws or policies. Within the prescribed scope, whether the parties are willing or not, they must apply for insurance according to the regulations. If laws and regulations stipulate that the subject matter must be insured, the insurance liability will automatically start, and the insurance amount will be charged according to the prescribed standards, and the insured shall not choose by himself. Another form of compulsory insurance is that * * * stipulates that certain industries or individuals must participate in insurance when engaging in certain business or other activities, otherwise they are not allowed to engage in business.
In addition to the specific classification according to the relevant laws and regulations of various countries, it can also be divided into individual insurance and group insurance according to the subject matter of insurance, and single insurance, comprehensive insurance and all risks according to the scope of insurance. However, most countries are divided into four categories: property insurance, personal insurance, liability insurance and credit insurance.
Property insurance covers material wealth and its related interests. There are mainly marine insurance, cargo transportation insurance, engineering insurance, aviation insurance, fire insurance, automobile insurance, family property insurance, burglary insurance, business interruption insurance (also known as loss of profits insurance), agricultural insurance, etc. (See Property Insurance).
Personal insurance is insurance with the human body as the subject matter. There are mainly personal accident insurance, sickness insurance (also known as health insurance) and life insurance (divided into death insurance, survival insurance and old-age security) (see life insurance).
Liability insurance means that the insured bears the liability for civil damages. According to the law, the economic compensation liability of the insured for damage to others is borne by the insurer, which is generally attached to damage compensation insurance, such as collision liability of ship insurance, automobile insurance, aircraft insurance, engineering insurance and offshore oil development insurance. ......
What kinds of commercial health insurance products are there?
Health insurance is divided into consumption type and accumulation type, and subdivided into critical illness insurance and medical insurance, and the combination of the two can achieve comprehensive protection!