1. life insurance: life insurance with the life of the insured as the subject matter and the life and death of the insured as the payment condition.
2. Accident insurance: Personal insurance on the condition that the insured suffers death or disability due to accidental injury. Its basic content is: the insured pays a certain amount of insurance premium to the insurer. If the insured suffers an accidental injury during the insurance period, and the accidental injury is a direct or proximate cause, resulting in the death, disability, medical expenses or temporary loss of working ability of the insured within a certain period from the date of the accidental injury, the insurer will pay a certain amount of insurance money to the insured or its beneficiary. There are two security items, namely death payment and disability payment.
3. critical illness insurance: refers to commercial insurance activities handled by insurance companies, including some major diseases, such as malignant tumor, myocardial infarction and cerebral hemorrhage. As a risk, when the insured reaches the state of serious illness as stipulated in the insurance clauses, the insurance company pays the insurance money according to the insurance contract.
4. Medical insurance: it is an insurance that compensates the insured for reasonable and necessary medical expenses losses caused by treating diseases.