The subject of insurance is the object protected in the insurance. This object can be property or personal life. \x0d\The types of insurance are distinguished according to different protection objects, which can be divided into property insurance and personal insurance. \x0d\Property insurance: property damage insurance, with tangible property as the subject, such as factories, machinery and equipment, furniture, etc.; liability insurance, with intangible property as the subject, such as employer's liability insurance, public liability insurance, product liability insurance, etc.; credit insurance , with intangible property as the subject matter, commercial credit insurance, export credit insurance, contract guarantee insurance, etc. \x0d\Personal insurance: Life insurance takes the life of the person as the subject, and the survival or death of the insured is the condition for payment of insurance benefits; health insurance, takes the body of the insured as the subject, and the insured suffers from illness or accident Expenses or loss of income incurred when the injury is compensated, such as medical insurance, disease insurance, disability income loss insurance and nursing care insurance, etc.; accidental injury insurance takes the insured's body as the subject, and covers the insured's body caused by accidental injury. Insurance benefits are paid for reasons or disabilities. \x0d\So, different insurance subjects will have different types of insurance, and their functions will also be different.