The classification of the insurance

    The Human body insurance and property insurance

  The Human body insurance takes the person's life span and body as the insurance of the insurance object.When people suffer unfortunate trouble or is old because of the disease,year with the result that lose a work ability,maim,die or the year is old to retire after, according to the provision of the insurance contract, the insurer pays the premium or annuity to the insured or the beneficiary to solve a disease,incomplete ,old,die the economy result in difficulty.
    Speak from the broad sense, the property insurance means in addition to the Human body insurance outside other whole insurance grow, including property loss insurance,liability insurance,credit insurance and promising insurance,agriculture insurance etc..It with the visible or invisible property and it related benefits for a type of solid repay insurance of the insurance object.
   At first insurance with again insurance the occurrence is between the insurer and the policy holder of insurance behavior, be called original insurance.The occurrence is between the insurer and the insurer of insurance behavior, call it is an insurance again.
  Say concretely, again the insurance is an insurer to pass to make contract, the risk that the oneself has already insure, all or the part transfer to one or a few insurers, the insurance behavior of the risk that since low oneself face.The international society comes from the insurer that the F stands as guarantor business to the cent to be called original insurer, accept the insurance business again of the insurer be called insurer again.

    The business insurance and social insurance

   Use"whether take make money as a target" as to divide the line standard, the insurance can is divided into the business insurance and social insurance two.The social insurance means:BE passed the lawmaking means by the nation social citizen to advertise for to pay a premium compulsory to the all under the decided social policy, the formation insurance fund, as to it's in order to in because the year is old,disease,grow,maim to die with unemployed but cause to lose the labor ability or lose the member of[with] the work opportunity to provide a basic life to guarantee of a kind of society guarantee system, the social insurance doesn't take make money as a target, circulate in if appear innocent child, the national public finance will give support.
   The business insurance points each kind of insurance business that the insurance company conduct.The business insurance takes make money as a target, carrying on the independence economy to check.

    The business insurance and policy insurance

   The company or nation been invested to establish directly by the national public finance entrust to deal exclusively of the business insurance structure, for the sake of body now certain national policy, usually will take national public finance as backing such as the industry policy,international trade...etc., hold some insurances that do not take make money as a purpose.The risk that this insurance insure loses degree generally higher, but proceed from various considerations but take a lower insurance fee, if the executive occurrence loss in business, the national public finance will give to compensate.This insurance is called"the policy insurance".
  The familiar policy insurance has already exported credit insurance,the investment insurance...etc..Compared with this, the business insurance from with make money for purpose of the business insurance company hold, their independence management,check independently,complacent profit and loss, because the profits maximize of consideration, usually will not conduct policy insurance.
   In addition, by the corpus cent of guarantee, the insurance can is divided into personal insurance and group insurance.According to insurance implement method cent, insurance again can is divided into insurance voluntarily with compulsory insurance.At present the international community overwhelming majority insurance business adoption voluntarily the insurance method carry out, the our country is no exception.