1. Insurance is classified according to different implementations.
Voluntary insurance and statutory insurance: Voluntary insurance refers to an insurance in which the insurer and the insured establish an insurance relationship by signing an insurance contract on a voluntary basis.
Insurance is classified according to different topics.
Property insurance and personal insurance: property insurance is insurance with property and its related interests as the subject matter, which is divided into tangible property and intangible property. Personal insurance is insurance with human life and body as the subject matter, including life insurance, health insurance and accidental injury insurance. ?
3. According to the different insurance coverage.
Property loss insurance, credit guarantee insurance, liability insurance and personal insurance; Liability insurance is the insurance subject matter of the insured's liability to a third party according to law, including third party liability insurance and separate liability insurance. The latter can be divided into public liability insurance, employer liability insurance, product liability insurance, professional liability insurance and P&I insurance.
4. Classification according to different insurance policies.
Social insurance and commercial insurance: Social insurance is a social security system in which the state provides certain material assistance to social workers through legislation to ensure their basic livelihood when they temporarily or permanently lose their ability to work or are unemployed. ?
5. According to different forms of underwriting business.
Original insurance, reinsurance, double insurance and reinsurance of the same type are the insurance in which one insurer transfers part or all of the original insurance business to the other, that is, the insurance for the insurer is also called reinsurance, and the person who separates the reinsurance business is called reinsurance cedant.
According to the subject of protection, it is divided into group insurance and individual insurance: group insurance is the insurance provided to its members in the name of the collective by means of general contracting.