What kinds of personal commercial insurance are there?

Individuals should buy commercial insurance according to the situation. \x0d\ Insurance includes property insurance, life insurance and health insurance. \x0d\ 1。 Property insurance: \x0d\ Property insurance includes motor vehicle insurance, enterprise property insurance, family property insurance, ship insurance, liability insurance, guarantee insurance, cargo transportation insurance, accidental injury insurance, agricultural insurance, engineering insurance and credit insurance. \x0d\ II。 Life insurance and health insurance: \ x0d \ 1. According to the number of policyholders, it can be divided into individual health insurance and group health insurance. \ x0d \ 2。 According to the insurance period, it can be divided into short-term health insurance and long-term health insurance. The length of insurance period can also be combined with the number of policyholders to form short-term group insurance and long-term group insurance, and can also be combined with individuals to form short-term individual insurance and long-term individual insurance. \ x0d \ 3。 According to the classification of insurance liability, a) sickness insurance refers to insurance with illness as the condition of paying insurance benefits, that is, as long as the insured suffers from a certain disease listed in the insurance clause, regardless of whether medical expenses occur or how much expenses occur, he can get fixed compensation. B) Medical insurance, also known as medical expense insurance, refers to the insurance that compensates the expenses incurred by the insured when receiving medical services. C) Disability insurance, also known as income loss insurance and income protection insurance, refers to the insurance for income and property losses caused by the insured's loss of working ability. \ x0d \ 4。 According to the types of losses, it can be divided into medical expense insurance, disability income loss insurance and long-term care insurance. \ x0d \ 5。 Classification by mode of payment \x0d\a) Expense insurance: The insurer shall compensate all or part of the insured's medical expenses according to the reasonable medical expenses incurred in the process of medical treatment and in accordance with the provisions of the insurance contract. \x0d\b) Subsidized insurance (fixed payment insurance): Subsidized insurance refers to the insurance that pays the insurance premium according to the standard agreed in the insurance contract regardless of the actual expenses of the insured. \x0d\c) Providing service products: In the process of providing such products, the insurer directly participates in the management of the medical service system. The insurer selects medical service providers (hospitals, clinics and doctors) according to certain standards, and organizes the selected medical service providers to provide medical services for the insured. There are strict and formal operating procedures to ensure the quality of service, and the use of medical services is often audited. Insured people can enjoy economic benefits by looking for designated medical service institutions according to the prescribed procedures.