What kinds of insurance are there? What kinds of insurance are there?

Common types of insurance include social insurance, automobile insurance and life insurance. The following are the specific types of insurance: \r\n 1. According to the different subject matter of insurance, it can be divided into property insurance and personal insurance. \ r \ nProperty insurance is divided into property loss (automobile insurance, engineering insurance), credit insurance, liability insurance, etc. In life insurance, it is generally divided into life insurance, health insurance and accident insurance. There are also textbooks that divide liability insurance into three categories (property insurance, personal insurance and liability insurance), but liability insurance is essentially property insurance, including employer liability insurance and product liability insurance. \r\n 2。 It can be divided into compulsory insurance and voluntary insurance according to different implementation methods. \ r \ Compulsory insurance, also known as statutory insurance, is the insurance that the state requires you to take in the form of law, such as compulsory auto insurance now. Voluntary insurance is insurance carried out on the basis of the insurer's willingness. \r\n 3。 According to whether it is profitable, it is divided into commercial insurance and social insurance. \ r \ Commercial insurance is profit-oriented insurance; Social insurance is not for profit. Generally, it is provided or subsidized by the state, such as the agricultural insurance and social security that we are talking about now. \r\n 4。 According to the different underwriting methods, it can be divided into original insurance and reinsurance. \ r \ Original insurance refers to the insurance in which the insurer bears direct and original responsibilities for the losses caused by the insured accident. Reinsurance is a kind of insurance, in which the original insurer bears the risks it underwrites, then underwrites with other insurers and shares the risks with them. There are some technical terms involved. For example, Company A underwrites a large-scale project, and in order to transfer risks, it insures part of it with Company B, and the part of the insurance is reinsurance. \ r \ nIn addition, according to the insured, insurance can be divided into individual insurance and group insurance. Personal insurance is an insurance in which an individual is the insured. Group insurance means that the insured has more than two insurances.