(1) Accidental injury insurance: When the insured suffers physical damage due to an accident guaranteed by the insurance contract, the insurance company will pay the accident insurance money according to the insurance contract.
(2) Life insurance: Life insurance can be subdivided into term life insurance, whole life insurance, endowment insurance and annuity insurance. When the insured lives or dies within the agreed time, the insurance company will pay a sum of money to the insurance beneficiary.
(3) Health insurance: it can also be divided into critical illness insurance, hospitalization insurance and accidental injury insurance. The subject matter of insurance is the human body. When the insured suffers from an illness or accident stipulated in the insurance contract, the insurance company will undertake the obligation to pay the insurance money in advance.
According to the different classification of insurance period
Personal insurance can be divided into short-term insurance with a guarantee period of less than 1 year and long-term insurance with a guarantee period of more than 1 year (such as 5 years, 10 years, 30 years, etc.). ).
Classification by underwriting method
Life insurance can be divided into group insurance and individual insurance. Group insurance is generally shared by units or enterprises to all employees. There is only one policy, and the number of insured persons is generally more than 5. Personal insurance refers to the product of 1, which is generally configured by family members.
Pay dividends
Life insurance can be divided into dividend insurance and consumer insurance. Dividend insurance refers to the insurance that an insurance company distributes the distributable surplus generated by its operation to the insured in a certain proportion. Consumer insurance means that if there is no insurance accident at maturity, the premium will not be returned, and compensation can only be obtained if there is an insurance accident during the guarantee period.
Life insurance coverage
Life insurance is a kind of life insurance with the life of the insured as the subject matter and the life and death of the insured as the payment condition. In other words, when the insured has an insurance accident, the insurer will pay the insurance premium.
life insurance
1, term life insurance: term life insurance is to stipulate an insurance period. If the insured dies within the agreed period, the insurance company will pay the insurance money to the insurance beneficiary; If the insured fails to die within the agreed time limit, so be it. Insurance companies neither pay nor refund premiums.
2. whole life insurance: whole life insurance means that after the death of the insured, the insurance company pays the insurance benefits to the insured beneficiary, but there is no insurance with an agreed term in whole life insurance. Because people are bound to die, the insurance company will eventually pay for it.
3. Survival insurance: Survival insurance requires the insured to live to the agreed time limit. If the insured dies before the expiration, the insurance company will neither compensate nor refund the premium.
4. Life and death: Life and death endowment insurance is the insurance obtained by combining term life insurance with survival guarantee. If the insured dies within the agreed time limit, the insurance company shall pay compensation to the insurance beneficiary; If the insured lives to the end of the agreed period, the insurance company will pay the insured survival money.
5. Old-age insurance: Old-age insurance is a combination of survival insurance and death insurance. Whether the insured is dead or alive within the agreed time limit, the insurance company will make corresponding compensation.
How old can't I buy life insurance?
Each type of insurance has its own insurance rules, and the age limit is different. Under normal circumstances, for life insurance planning, at the age of 60, it is basically online.
How much is life insurance a year?
How much life insurance pays a year is related to specific products, insurance coverage, guarantee period and payment method, so there is no fixed figure, and the specific situation should be analyzed in detail.
Health insurance coverage of health insurance
There are two main types of protection, one is medical expenses caused by illness or accident insurance, and the other is other losses caused by illness or accident insurance.
Classification of health insurance types
It is divided into four categories: medical insurance, sickness insurance, income security line and nursing insurance.
How much is health insurance a year?
Generally, the annual cost of health insurance for 0-year-old children is several hundred yuan, and the higher the grade, the higher the cost. The average 50-year-old child's annual health insurance cost reaches 5000, 6000 or even more. Therefore, if you have the financial ability, the earlier you apply, the more cost-effective.
The scope of personal accident insurance
1. Death payment: When the insured suffers accidental injury resulting in death, the insurer pays death insurance.
2. Disability payment: When the insured is disabled due to accidental injury, the insurer pays different insurance benefits according to the disability level.
3. Medical compensation: When the insured pays medical expenses due to accidental injury, the insurer will pay according to the actual situation.
4. Compensation for shutdown: When the insured temporarily loses the ability to work due to accidental injury, the insurer pays shutdown insurance money.
price
Because the premium paid by accident insurance is related to the insurance type, coverage, insurance period and the actual situation of the insured, the insurance cost ranges from tens to hundreds of yuan.
What types of property insurance do property insurance companies have?
Enterprise property is divided into three categories according to whether it is insurable or not, namely insurable property, special insurable property and uninsurable property.
How much is the general fee?
To insure property insurance, you need to provide a "balance sheet", and then calculate the premium according to the total amount of property and the insured object. The rates of basic insurance, comprehensive property insurance and property all risks are from bottom to top, and the average rate is about 1.2‰.
Enterprise property insurance odds
1, total loss. When the insured amount of the damaged property is equal to or higher than the insured value, the compensation amount shall not exceed the insured value; If the insured amount is lower than the insured value, compensation shall be made according to the insured amount.
2. Partial loss. When the insured amount of damaged property is equal to or higher than the insured value, the compensation amount shall be calculated according to the actual loss; When the insured amount is lower than the insured value, the compensation amount shall be calculated according to the ratio of the insured amount to the insured value.
Family Property Insurance Family Property Insurance Price The insured amount shall be determined by the insured according to the actual value of the insured property, and shall be listed separately according to the insurance property items specified in the insurance policy.
What coverage does insurance cover? 1. Insurable property: self-occupied house; Interior decoration, decoration and ancillary facilities; Indoor family property.
2, special protection property:
(1) unpowered farm tools, farm tools and harvested agricultural and sideline products stored by rural families in the hospital.
(2) Business appliances, tools, raw materials and commodities stored indoors by individual workers.
(3) Property kept on behalf of others or property owned by others.
(4) Property that can only be insured by special agreement with the insurer.
Precautions for family property insurance 1 Family property insurance does not cover everything; Two property insurance companies should not be over-insured; Three property insurance companies should not be insured in multiple places.
Commercial insurance is classified by implementation mode. Insurance can be divided into compulsory insurance and voluntary insurance.
Compulsory insurance Compulsory insurance (also known as "statutory insurance") is a kind of insurance enforced by the state (government) through legal or administrative means. Although the insurance relationship of compulsory insurance is also a contractual act between the insured and the insurer, the conclusion of the contract is bound by the laws and regulations of the state or government. There are two options for the implementation of compulsory insurance: both the subject matter of insurance and the insurer are restricted by law; Second, the subject matter of insurance is restricted by law, but the insured can freely choose the insurer, such as compulsory motor vehicle traffic accident liability insurance.
Voluntary insurance Voluntary insurance is an insurance relationship established between the insured and the insurer on the basis of equality and on the principle of voluntariness. The insurance relationship of voluntary insurance is a contractual relationship established after the parties freely decide and agree with each other. The insured can freely decide whether to insure, to whom to insure, to surrender the insurance midway, etc. And you can also freely choose the amount, scope, degree and duration of insurance. Insurance companies can also decide whether to underwrite and how to underwrite according to the situation.
Commercial insurance is classified by underwriting methods. Insurance can be divided into original insurance, reinsurance, insurance and double insurance.
Original insurance Original insurance is the insurance in which the insurer and the applicant directly sign an insurance contract and establish an insurance relationship. In the original insurance relationship, the insurance demander transferred its risk to the insurer, and when the subject matter of insurance suffered losses within the scope of insurance liability, the insurer directly assumed the liability for compensation or payment to the insured.
Reinsurance Reinsurance (also known as "reinsurance") is an insurance in which an insurance company transfers some or all of the risks and responsibilities it underwrites to other insurance companies. The outgoing business is the outgoing business, and the receiving business is the reinsurer. This risk transfer mode is the insurer's vertical transfer of the original risk, that is, the secondary risk transfer.
* * * The same insurance * * * The same insurance (also known as "* * * insurance") is an insurance in which several insurers directly underwrite the same subject matter, the same risk and the same insurance interest. * * * The sum of the insured amount of the same insurance shall not exceed the insured value of the subject matter insured. In insurance practice, it may be that multiple insurers sign insurance contracts with the insured respectively, or it may be that multiple insurers sign insurance contracts in the name of one insurer. Different from reinsurance, this risk transfer mode is the horizontal transfer of the original risk by the insurer, and it still belongs to the first transfer of risk.
Double insurance Double insurance refers to the insurance in which the insured enters into an insurance contract with two or more insurers for the same subject matter, the same insurable interest and the same insured accident, and the sum of the insured amount exceeds the insured value. Double insurance, like * * * insurance, is also the horizontal transfer of the original risk by the insured, and it also belongs to the first transfer of risk.
According to the nature of insurance business, commercial insurance is divided into commercial insurance. Commercial insurance refers to various insurance businesses operated by insurance companies. Commercial insurance aims at profit and implements independent economic accounting.
Common policy insurance includes export credit insurance, investment insurance and agricultural insurance. In contrast, commercial insurance is organized by a profit-oriented commercial insurance company, which operates independently, accounts independently and is responsible for its own profits and losses. In order to maximize profits, they usually do not operate policy insurance.