保险专业词汇英汉对照
保险业常用词汇中英文对照
保险业常用词汇中英文对照第一部分：保险承保业务1、一般保险原理保险 insurance保险业 insurance industry保险业务结构 business structures保险业主体 bodies in Insurance Industry被保险人 insured理赔claim settlement承保利润微薄 underwriting profit is slight承保能力insurance capacity承保业务 underwriting operation未决赔款储备金 reserve IBRN大数法则 Law of Large Numbers营业额turnover市场缺陷 market imperfections社会保险social insurance个人代理人 personal agent银行保险 bank insurance直销 straight pin佣金 brokerage手续费 commission charges再保险 reinsurance2、财产保险财产保险property insurance长尾long－tail长期护理保险long—term care insurance短尾short－tail综合赔付率combined ratio自留retention车险 auto insurance财产保险 property insurance责任保险 liability insurance农业保险 agricultural insurance巨灾保险 catastrophe insurance意外伤害保险 casualty accident insurance3、寿险词汇变额寿险 variable life insurance长寿保险insurance on last survivor定期寿险term insurance合同储蓄机构 contractual saving institutions红利 dividend疾病保险sickness insurance简易险 industrial insurance健康保险health insurance巨额医药费保险major medical" insurance policy可变保费寿险 flexible—premium life insurance利差损 interest spread risk利率敏感型产品 interest—sensitive whole life赔期/期限indemnity period/limit普通寿险 ordinary life insurance人寿保险life insurance预定利率市场化 Market-based Assumed Interest Rate 团险group insurance限期缴费终身寿险 limited—payment whole life insurance 养老保险endowment insurance医疗保险insurance for medical care医疗费用保险medical expense insurance终身寿险whole life insurance准备金reserve伤残收入保险 disability income insurance失能 incapacity可变万能寿险 Variable-universal life insurance可变年金 Variable annuity评估价值 Appraisal Value内含价值 Embeded Value新业务价值 Value of New Business税收优惠 tax break税收递延型养老保险Deferred tax endowment insurance 大病医疗保险Large quantity medical insurance分红保险 Participating Insurance传统保险 traditional insurance理财型保险 financial planning oriented insurance 投资连结寿险 unit—linked life insurance4、保险偿付能力风险资本要求risk—based capital固定最低成本要求 fixed minimum capital requirement 保险偿付能力监管insurance solvency regulation保险监管信息系统 Insurance Regulatory Information System财务分析跟踪系统 Financial Analysis Tracking System 偿付能力 Solvency偿付能力不足 insolvent认可资产 admissible assets第二部分保险资产管理1、行业主体和监管保险资产管理 insurance asset management保险法insurance law保险资产管理公司 insurance asset management company中国人保集团 People's Insurance Company of China(简称 PICC)中国人保资产管理公司 PICC Asset Management Company Limited慕尼黑再保险资产管理公司 Munich ERGO Asset Management GmbH（简称MEAG）中国保监会 China Insurance Regulatory Commission（简称CIRC）保险投资“新政” innovation policies in insurance investment可投资资产 investable asset投资公司法案 Investment Company Act2、委托受托关系委托人 client受托人 trustee委托管理 mandate绝对收益 absolute return相对收益 relative return3、组合管理大类资产配置 assets allocation战略资产配置 Strategic Assets Allocation（简称SAA）战术资产配置 Tactic Assets Allocation（简称TAA）流动性管理 liquidity management资产负债管理 Asset-Liability Management（简称ALM）久期匹配 duration matching现金流匹配 cash flow matching一般账户 general account独立账户 separate account4、类别投资固定收益投资 fixed-income investment持有到期类资产 held-to-maturity asset交易类资产 trading asset可供出售类资产 asset available for sale股票投资 equity investment基金投资 fund investment另类投资 alternative investment境外投资 overseas investment基础设施债权计划 infrastructure debt investment plan 未上市企业股权投资 private equity investment不动产投资 real estate investment利率互换 Interest Rate Swap（简称IRS）均值一方差分析 the mean-variance method5、第三方业务财富管理wealth management第三方投资管理 the third-party asset management企业年金 occupational annuity养老金 pension集合投资产品 collective investment fund。
保险专业词汇中英文
保险专业词汇中英文
保险行业涉及大量的专业术语，这些术语在中文和英文中都有其特定的表达方式。
以下是一些常见的保险专业词汇及其对应的中英文对照：
保险(Insurance)
保单(Insurance Policy)
保险人(Insurer)
被保险人(Insured)
受益人(Beneficiary)
保费(Premium)
赔款(Claim Payment)
免赔额(Deductible)
赔偿限额(Limit of Indemnity)
风险(Risk)
再保险(Reinsurance)
承保(Underwriting)
拒保(Decline to Insure)
解除保险(Cancellation of Insurance)
续保(Renewal of Insurance)
核保(Risk Assessment)
理赔(Claim Settlement)
等待期(Waiting Period)
保险期间(Policy Period)
保险责任(Insurance Liability)
这只是保险专业词汇中的一小部分，实际上，保险行业的专业术语非常丰富。
在实际应用中，建议参考相关的保险行业标准和规范，以确保术语使用的准确性和专业性。
保险词汇中英对照
保險詞彙英中對照表Abandonment 委付Above Normal Loss 異常損失Absolute Assignment 自由讓與Absolute Liability 絕對責任Absolute Ownership 絕對所有權Abstract 摘要卡Accelerative Endowment 提前滿期Accelerated Option 提前滿期選擇權Accelerated Paid-up or Endowment 縮短繳費期間或提前滿期Acceptance 承諾Accepted Value 承諾價額Accepting Office 分進公司Accident 意外事故Accident Control or Prevention 意外事故控制或預防Accidental Death And Dismemberment Benefit 意外死亡及四肢缺失、視力喪失給付Accidental Death Benefit 意外死亡給付Accidental Death Insurance 意外傷害死亡保險Accident Frequency 意外事故發生頻率Accident Insurance 意外保險Accident Rate 事故率Accident Severity 意外事故損失幅度Accident Year Experience 事故年經驗Accommodation Business 融通業務Accommodation Risk 融通危險Account Premium Modification Plan 保險費調整計劃Accounts Receivable Insurance 應收帳款保險Act Insurance 政策性保險Accumulation System 定額保險費Actual Cash Policy 實際現金價值保險單Actual Cash Value 實際現金價值Actual Loss Ratio 實際損失率Actual Present Value 實際現值Actual Total Loss 實際全損Actuary 精算師Affirmative Warranty 認定保證Agency Department 展業部Agency Plant 代理系統Agent 代理人Agent Captive 專屬代理人Agent Expense 代理費用Agent General 總代理人Agent Independent 獨立代理人Agent Local 當地代理人Agent Policy-Writing 簽單代理人Agent Special 特約代理人Agent State 州代理人Agent's Authority 代理人權限Agent's Balance 代理人佣金Aggregate Annual Deductible 累積年自負額Aggregate Excess Of Loss Cover 累積超額賠款再保險Aggregate Limit 累積限額Agreed Value 約定價值Agricultural Insurance 農業保險Aleatory Contract 射倖契約Amount of Loss, Claim 保險金Assessment Method 不定額保險費Assignment Of Policy Clause 保險單轉讓條款Automatic Reinstatement Clause 保險金額自動恢復條款Automatic Sprinkler Leakage 自動消防裝置滲漏BBinder, Binding Slip 暫保單Blanket Policy 總拓保險契約Balance 餘額Balanced Security 平衡的安全Balance Sheet 資產負債表，平衡表Balance Sheet Reserve 退休金－平衡表準備金Balance Sheet Reserve Plan 退休金－平衡表準備金方式Bank Check Plan 鋃行帳戶轉帳繳納保費制度Bank Loan Insurance 銀行貸款保險Bankrupt 破產Bankruptcy 宣告破產Bank Trusteed Retirement Plan 銀行信託型退休計劃Base Pay 基本薪資Basic Hospitalization 基本住院給付保險Basic Premium 基本保費Basic Rate 基本費率Basic Split-dollar Plan 基本保費分擔計劃Before-tax Earnings 稅前所得Beneficial Interest 保險契約權益Beneficiary 保險受益人Breach Of Contract 違反契約條款Broker 保險經紀人Brokerage Agency 經紀人公司Brokerage Business 經紀人招攬契約Brokerage Department 經紀人部門Broker-Agent 經紀人代理店Burglary And Robbery Insurance 竊盜保險Burial Insurance 喪葬保險Business 保險契約Business Interruption Insurance 營業中斷保險Business Continuation Insurance 專業繼續保險Business Continuation Plan 事業繼續保險計劃Business Health Insurance 企業健康保險Business In Force 有效契約Business Liability Insurance 事業責任險Business Insurance 企業保險Business Life Insurance Trust 企業壽險信託Business Overhead Expense Insurance 事業經費保險Business Under Common Control 共管企業Buy Term And Invest The Difference Buy-Sell Agreement 經營權買賣協議Bilateral Contract 購買定期險與投資差額保費CCancelable 可終止保險單Cancellation 終止Capital Sum 最高給付金額Captive Insurance 專屬保險Cargo Insurance 貨物保險Cash Claim 現金賠款Cash Payment 現金給付Cash Value 現金價值Calendar Year Experience 曆年度經驗Calendar Year Major Medical Plan 曆年式高額醫療費用保險Call 招攬拜訪Canada Pension Plan 加拿大退休金計劃Cancelable Contract 可解除契約Cancellation 解約Canvassing Account 新契約保費帳戶Capacity 承保能力、最高承保限額Capital 資本Capital Assets 資本性資產Capital Budget 資本預算表Capital Charges 資金費用Capital Conservation Method 資金不動用方法Capital Expenditures 資本支出Capital Gain 資本利得稅Capital Goods 資本財Capitalization 現值化Capitalization of Interest 利息滾入本金Capitalization Rate 現值化利率Capital Loss 資本損失Capital Market 資金市場Capital Need Analysis 資金需求分析Capital Net Worth 資本淨值Capital Stock 股本Capital Stock Insurance Company 壽險股份有限公司Capital Sum 一次給付金Capital Utilization Method 資金利用法Captive Agent 專業外務員Career Agency 專業代理店Career Agent 專業外務員Career Average 服務期間平均薪津法Career Average Formula 服務期間平均薪津方式Career Path 專業外務員訓練課程Career Presentation 專業介紹Carrier 保險業者Carryback Period For Employer Contributions 僱主醵出金之後轉期間Carryback (Carryforward) Provision 後轉條款、前轉條款Carryover Basis 移轉稅基Cash Account (代理人) 現金帳Cash Assets 現金資產Cash Basis of Accounting 現金制會計Cash Equivalents 相等現金資金Cash Refund Annuity 現金立即償還年金Cash Surrender Value 解約退還金Cash Value 現金價值Cash Value Policy 有解約退還金保險Casualty Actuarial Society 美國災害保險精算學會Casualty Index 災害保險情報引得(索引)Casualty Insurance 災害保險Catastrophe 巨災Catastrophe Hazard 巨災危險Catastrophe Insurance 高額醫療費用保險Catastrophe Reinsurance 巨災再保險、異常災害再保險Ceding Commission 分保佣金Cede 分保Center of Influence 介紹準客戶之協力者Cedent 分保人Cession 分保單位Certificate Insurance 保險證Certificate of Authority 權限證書、營業許可書Certificate of Convenience 臨時執照Certified Employee Benefit Specialist 公認企業員工福利士Cestuique Trust (信託) 受益人Cestuique vie (泛指) 被保險人Change of Beneficiary Provision 變更受益人條款Change of Plan Provision 變更保險計劃條款Charitable Bequest 慈善遺贈Charitable Gift 慈善捐贈Contingency Reserve 危險準備金Charitable Trust 慈善信託Charter 營業狀、營業證書Chartered Financial Analyst 公認財務分析師Chartered Life Underwriter (CLU) 公認壽險師Capitalization Method 準備金提存方式Cheap Takeover 廉價接收Check-o-matic 銀行存款帳戶轉帳繳納保費制度Contract of Indemnity 損害賠償合約Child's Benefit 育兒給付Claim 請求給付保險金賠償Claimant 申請保險給付者Claim Reserve 理賠準備Class 同一危險集團Classification 危險等級集團分類Classified Insurance 缺陷體保險Classified Risk 缺陷體危險Class Rate 級別費率Clause 條款Clean-up Fund 善後清償基金Clearance Fund 善後清償基金Client 當事人、客戶Close 促成簽約Close Corporation 股票未上市公司Close Corporation Insurance 股票未上市公司事業保險Closed Contract of Insurance 不得變更保險契約Close-end Mutual FundClosed-end Investment Company 資本額固定之投資信託公司CLU 公認壽險師Coinsure 共同保險Cold Canvassing 直衝招攬Cold Leads 直衝招攬Collateral Assignment 擔保讓與Collateral Assignment Plan 擔保讓與保險計劃Collateral Bond 擔保債券Collateral Loan 擔保貸款Collection Book 收費帳簿Collection Fee 收費費用College of Insurance 保險大學College Retirement Equities Fund (CREF) 大專退休基金會Collegia (古羅馬) 互助協會Combination Agency 兼售普通壽險和簡易險代理店Combination Company 兼售普壽與簡易險公司Combination Funding Plan 壽險與年金混合契約Combination Plan 混合型退休金制度Combination Policy 組合保險Combined Annuity Mortality Table 綜合年金死亡表Combined Group 聯合企業集團Combined Sigle Limit 單一責任限額Commercial Bank 商業銀行Commercial Health Insurance 商業健康保險Commercial Inspection Report 商業調查報告Commercial Insurance 營利保險、商業健康保險Commercial Policy 商業健康保單Commercial Report 商業調查報告Commission 佣金Commission, Contingent 利益佣金Commissioner 州利益佣金Commissioner 州保險監督官Commissioners Disability Table 標準殘障表Commissioners 1941 Standard Ordinary Table 1941年普通保險監督官標準死亡表Commissioners 1958 Standard Ordinary Table 1958年普通保險監督官標準死亡表Commissioners Standard Industrial Mortality Table 1961 1961年簡易保險監督官標準死亡表Commissioners Values NAIC 有價證券價格Commission of Authority 委任狀Commissions, Graded 等級佣金Contract of Indemnity 損害補償契約Consequential loss Insurance 從屬損失保險Claim Reserve 賠款準備Classified Premium 分類保險費Coinsurance 共保Coinsurer 共保人Coinsurance Clause 共保條款Coinsurance Percentage 共保比例Collective Insurance 集合保險Compulsory Insurance 強制性保險Contract of Utmost Good Faith 誠信契約Contract of Consideration 有償契約Contribution Clause 賠款分擔條款Co-operative Insurance Society 保險合作社Crop Insurance 收穫保險Conditional Contract 附條件契約Contract of Adhesion 附合契約Conditional Contract 繼續契約Collective Insurance Contract 集合保險契約Constant Method 固定法Constraint and Percentage Method 固定與比例混合法Capitalization Method 準備金提存方式Contingency Reserve 危險準備金Ceding Commission 分保佣金DDate Of Expiration 到期日Date Of Grace 寬限到期日Date Of Inception Of The Policy 保險單起保日Date Of Issue 簽單日Date Of Policy 保險單生效日Date Of Subscription The Policy 保險單起迄日Date Of Grace 寬限期間Declaration Policy 陳報保險單Declination 拒保Deductible 自負額Deductible Clause 自負額條款Degree of Risk 危險程度Deposit Premium 預付保險費Double Insurance 複保險Data Interview 面談Date Of Expiration 終止(滿期) 日Date Of Issue 發單日Date Of Last Payment 最近一次保費應付日Date Of Maturity 滿期日Date Of Policy 契約生效日Date Of Grace 寬限到期日Death Benefit 死亡給付Death Benefit For Parents 雙親受領之死亡給付Death Claim 死亡給付請求EEndorsement 批單Earned Income 勤勞所得Earned Premium 經過保費Earnings 勤勞所得Economic Benefit 實質給付Economic Life Value 生命的經濟價值Educational Trust 教育資金信託Education Insurance 教育保險Effective Date 生效日Elective Benefits 選擇給付Elapsed Years 經過年數Elective Indemnities 選擇給付Eligibility Requirement 適格要件Eligible Employees 適格員工Eligible Expense 適格醫療費用Elimination Period 除去期間Emergency Accident Benefit 緊急處理給付Emergency Expense Benefits 緊急經費給付Emergency Fund 鰥緊急準備金Employee 從業員工individual, Owner-employee, Junior Partner, Common-law Employee. Employee Benefit Programs 員工福利給付計劃Employee Contribution 員工醵出金Employee Organization 從業員團體Employee Pension Benefit Plan 員工退休金給付計劃Employee Retirement Income Security Act 受雇人員退休所得保障法Employee Stock Ownership Plan 員工持有公司股退休年金制度Employee Stock Ownership Trust 員工持有公司股票信託Employees' Trust 員工信託Employee Welfare Benefit Plan 員工福利給付計劃Employer's Liability Insurance 僱主責任保險Employment Benefit Plan 雇用給付計劃Endless Chain Prospecting 連鎖式保戶開拓法Endorsement 批註(條款)Endow 滿期Endow At Age 100 百歲滿期Endowment 養老保險Endowment Amount 滿期保額Endowment At Age 65 65 歲滿期Endowment Insurance Policy 養老保險保單Endowment Policy 養老保險保單Enemy Alien 敵對國Enrollment Card 登記卡ENTAIL 限嗣繼承不動產Entire Contract Clause 完全契約條款Entirety, Estate By (夫妻) 聯合財產Entity Plan 共同經營法人保險Entry Age Normal 普通加入年齡Entry Age Normal Method 普通加入年齡式退休金成本計算法Equity 純資產Equity 公平性Equity 衡平法Equity 持分Equity Annuity 變額年金Equity, Estimated Total 估計總淨值Equity Linked 變額Equity Rate 變動費率Equity Value Holding 變額性投資ＥRISA 受雇人員退休所得保障法Estate Planning 遺產設計Estate Protection 財產保全Estate Settlement 遺產分配Estate Shrinkage 遺產滅損Estate Tax 遺產稅Estate Transfer 財產移轉Estimated Premium 臨時保費Estimated Total Equity 估計總淨值Evidence Of Insurability 可保性證明Exact Date Of Exhaust 耗竭日Exact Interest 實計利息Examination 體檢Examination Under Oath 切結給付條款Examined Business 已體檢契約Examiner 體檢醫生Examiner 稽查Expected Period 除外期間Exception Of Proceeds Provision 保險金支付禁止規定Excess Arrears 逾期滯繳Excess Compensation 超額補償Excess Contribution 超額醵出金Excess Cover For Catastrophe 巨災超額賠款再保險Excess Initial Expense 初年度超額費手Excess Insurance 超額保險Excess Interest 超額利息Excess Limit 超過限定額Excess Line Broker 超額保險經紀人Excess Of Loss Reinsurance 超額再保Excess Plan 額外退休計劃Excluded Period 除外期間Exclusion 免責條款Exclusion Allowance 寬減額Exclusion Clause 除外條款Exclusion Ratio 寬減率Exclusive Agency System 專屬代理店制度Exclusive Agent 專任外務員Executed Contract 已履行契約Executed Trust 已設定信託Executor 遺囑執行人Executory Contract 未經履行契約Executory Trust 未設定信託Exemption Of Proceeds Provision 保險金債務豁免條款Exempt Pension Trust 免稅退休金信託Ex Gratia Payment 慰問給付Exhaust Loan 超過解約退還金的貸款Exhibit 明細表Expectancy Policy 平均餘命保險Expectancy Policy 妊娠定期健康保險Expectation Of Life 平均餘命Expected Mortality 預定死亡率Expenditure, Capital 資本支出Expense 營業費用Expense Allowance 費用補助Expense Factor 費用要素Expense Loading 附加保險費Expense Of Management 經營費用Expense Ratio 費用率Expense reimbursement allowance 經費支出補助Expense Reserve 經費準備金Expense Incurred 發生經費Expense Paid 費用支出Experience 經驗Experience And Service Table 從業員在職存經驗表Express Conditions 明示條款External Coinsurance 對外共同保險Excess Coverage 超額賠償責任Extended Cov 火災保險附加險Export Insurance 輸出保險Extra Charges 額外費用Expected Morbidity 預定罹病率Expense Constant 定額附加保費FFull Value Insurance 足額保險Facultative Certificate Of Reinsurance 臨時再保險證明書Facultative Obligatory Treaty 臨時拘束性合約再保險Fallen Building Clause 建築物傾倒條款Falling Aircraft&Vehicle Impact Form 航空器墜落、機動車輛碰撞保險Family Automobile Policy 家用汽車保險單Fidelity Insurance Clause 員工誠實保險條款Fiduciary Bond 受託保證保險Financial Responsibility Law 財務責任法Fine Arts Floaters 藝術品流動保險Fire 火災Fire Friendly 善火Fire Hostile 惡火Fire Insurance 火災保險Fire Wall 防火牆First Loss Insurance 損失優先賠付保險First arty Insurance 第一者保險Flat Rate 毛費率；判斷費率Floaters 流動保險Floating Policy 流動保險單Floating Stock 流動貨物Floor Plan Insurance 墊款銷售保險F.O.B. Plane 飛機上交貨價F.O.B. Train 火車上交貨價F.O.B. Truck 卡車上交貨價Forwarding Charge Clause 轉運費用條款Formal Contract 要式契約Foul Bill Of Lading 不潔提單Franchise Clause 起賠額條款Free Of Claim For Accident Reported 已知事故免責Free Of Particular Average Clauses, F.P.A. Clauses 平安險條款Free On Board, F.O.B. 船上交貨價Freight Abandonment Clauses 不要求運費條款Freight Waiver Clause 放棄運費條款Full Conditions 完全條件Full Reporting Clause 據實申報條款Full Value Insurance 足額保險Funds Held By Ceding Companies 存出再保責任準備Furrier's Customer's Insurance 皮貨商顧客保險Formal Contract 要式契約Fire Damage 火災損害Finish Stock 製程品存貨Fraudulent Misrepresentation 詐欺First Loss Insurance Clause 實損實賠保險條款General Agency 總代理店General Agency System 總代理店制度General Agent 總代理人General Condition 基本條款GAMS 區域總代理人與外勤經理協會General Market 一般市場General Operating Expenses 總營業費用General Partnership 普通合夥General Power Of Appointment 普通指定權Geographical limitations 地區限制Gift 贈與Gift Causa Mortis 死因贈與Gift Inter Vivos 生前贈與Gift Of Future Interest 遠期贈與Gift Tax Credit 贈與稅扣除額Gift Tax Marital Deduction 贈與稅配偶扣除額Gimmicks 花招Give 贈予Goodwill 商譽Government Benefit Plans 政府給付計劃Grace Period 寬限期間Graded Death Benefits 階段式死亡給付、削滅死亡給付Graded Premium Lift Insurance 階段式繳費保險Graded Vesting 賦予等級受領權Grant 讓與Grantee 受讓人Grantor 讓與人Gropsack General Agent 普通流動性業務員Gross cost 總成本Gross Earning 毛收入Gross Estate 總遺產Gross Line 總危險額Gross Net Premium 純總保費Gross Premium Valuation 營業保費評價法Gross Rates 營業保險費費率HHazard 危險Hazard, Moral 道德危險Head Office 總公司Head Of House 扶養人Head Start Fund 提早開始基金Health And Accident Underwriters Conference 健康意外保險人協會Health Certificate 健康聲明書Health Insurance 健康保險Health Insurance Association Of America 美國健康保險協會Health Insurance Benefits 健康保險給付Health Insurance Classifications 健康保險種類Health Insurance, Group 團體健康保險Health Insurance Institute 健康保險研究所Health Insurance Quality Award 健康保險繼續率優良獎Health Maintenance Organization (HMO) 保健組織Health Plans, Corporate 企業健康保險計劃Health Policy 健康保險Health Systems Agencies 健診儀器諮詢會Heir 繼承人Held In Trust 託管信託Hereditaments 繼承財產Highest And Best Use Value 最高利用價值High-Pressure Selling 強迫招攬High Risk 高風險體HMO 保險組織Home Insurance 住宅保險Home Office 總公司Home Office Life Underwriter Association 總公司核保人協會Honesty Clause 誠信條款Honorable Undertaking 互信契約Honoring 按時履行義務，兌現Hospital Benefit 住院給付Hospital Expense Insurance 住院費用保險Hospital Income Insurance 住院所得保險Hospital Indemnities 住院補償Hospitalization Insurance 住院保險Hospitalization Policy 住院保險Hospital Miscellaneous Benefits 住院雜項費用給付Hospital Room Benefits 病房費用給付Hospital/Surgical (Expense) Insurance 住院及外科手術保險Hour Of Service 服務時數House Confinement Clause 在家療養條款Household 家HR-10 Plan 參見Human Depreciation Concept 人員折耗論IIndividual, Owner-employee, Junior partner, Common-law Employee. Employee Benefit Programs 員工福利給付計劃Identification Clause 身份確認給付條款Illegal Holding Of Premiums 保費非法處置、保費流用Illness Frequency Rate 罹病頻率Illness Severity Rate 疾病強度率Impersonal Contract 非對人契約Immediate Annuity 即時付年金Immediate Estate 立即遺產Immediate Life Annuity 即時付生存年金Immediate Participation Guarantee Plan 直接參加保證給付式團體年金Immediate Vesting 立即受領權Impaired Capital 資本減損Impaired Risk 弱體Impairment 缺陷、弱體狀況Impairment Of Capital 資本減損Imperfect Trust 不完全信託Implied Consent 暗示同意Implied Contract 默示契約Implied Trust 暗示信託Implied Warranty 暗示擔保Inadmitted Asset 未認可資產Incidental Life Insurance Protection 附帶的壽險保障Incidents Of Ownership (保單) 所有權之附帶權利Includible Compensation 可包括薪Income 收入Income Bond 退休年金Income Continuation Agreement 所得繼續協定Income, Earned 勤勞所得Income-Earning ability 所得能力Income Fixed 定額所得Income Insurance 年金保險Income Policy 年金保險Income Protection 殘疾所得補償保險Income Provider Plans 家庭扶養年金保險Income Settlement Options 年金式保險金給付選擇權Income Statement 損益表Incompetent 公司的財務營運，將公司某一段期間的收入和費用列入予以結算的財務報表。
保险业常用词汇中英文对照
欢迎共阅保险业常用词汇中英文对照第一部分：保险承保业务1、一般保险原理保险insurance保险业insurance industry2、财产保险财产保险property insurance长尾long－tail长期护理保险long—term care insurance短尾short－tail综合赔付率combined ratio自留retention车险auto insurance财产保险property insurance责任保险liability insurance农业保险agricultural insurance巨灾保险catastrophe insurance意外伤害保险casualty accident insurance团险group insurance限期缴费终身寿险limited—payment whole life insurance 养老保险endowment insurance医疗保险insurance for medical care医疗费用保险medical expense insurance终身寿险whole life insurance准备金reserve伤残收入保险disability income insurance失能incapacity可变万能寿险Variable-universal life insurance可变年金Variable annuity评估价值Appraisal Value内含价值Embeded Value新业务价值Value of New Business第二部分保险资产管理1、行业主体和监管保险资产管理insurance asset management保险法insurance law保险资产管理公司insurance asset management company中国人保集团People's Insurance Company of China(简称PICC)中国人保资产管理公司PICC Asset Management Company Limited慕尼黑再保险资产管理公司Munich ERGO Asset Management GmbH（简称MEAG）中国保监会China Insurance Regulatory Commission（简称CIRC）保险投资“新政”innovation policies in insurance investment可投资资产investable asset投资公司法案Investment Company Act4、类别投资固定收益投资fixed-income investment持有到期类资产held-to-maturity asset交易类资产trading asset可供出售类资产asset available for sale股票投资equity investment基金投资fund investment另类投资alternative investment境外投资overseas investment基础设施债权计划infrastructure debt investment plan 未上市企业股权投资private equity investment不动产投资real estate investment利率互换Interest Rate Swap（简称IRS）。
保险领域行业词汇 中英对照
信用合作社=credit union精神上痛苦=pain & suffering保險費交付方式=premium mode到達年齡=attained age公共意外責任保險=liability insurance, public公共意外責任保險=public liability insurance專門職業責任保險=professional liability insurance不保項目=exclusion一次給付死亡理賠金=lump sum death benefit保證保險=bond投保證明=certificate of participation利率敏感型終身壽險=interest-sensitive whole life平準保險費=level premium比率溢額再保險=quota surplus reinsurance不適航=unseaworthiness責任綜合保險=liability insurance, comprehensive general 估價=appraisal其他保險條款=other insurance clause傢俱衣李保險=contents insurance傢俱衣李保險=household contents insurance標準條款=standard insurance contract provision標準條款=standard provisions相互保險公司=mutual company相互保險公司=mutual insurance company客戶關係管理=customer relationship management（CRM）信用人壽保險=credit life insurance信用人壽保險=creditor life insurance信用人壽保險=insurance, credit life信用人壽保險=life insurance, credit投資組合=investment portfolio投資組合=portfolio保險索賠=insurance claim保單紅利=policy dividend保單紅利=policyholder dividend重要員工=key employee（key person）現金餘額計畫=cash balance plan現值化=capitalization公證報告=survey report復效=reinstatement復效=revival提前給付人壽保險=acceleration life insurance時效=statute of limitation終身年金保險=life income policy要保書=proposal要保書=application承租人保險=renters insurance保單質押貸款=loan on policy保單質押貸款=policy loan即期年金=annuity, immediate即期年金=immediate annuity生死合險=endowment生死合險=endowment assurance生死合險=endowment insurance人壽保險被保險人=life insured曆年制已發生賠款=calendar year accounting incurred losses 履約保證保險=bond, performance履約保證保險=performance bond終身人壽保險=whole life insurance保險單紅利選擇權=participating policy dividend option分進再保險=reinsurance assumed洪水險承保約定=flood coverage保險單面值=face value of the policy縱火=arson保單現金價值滅失日=date of exhaust, exact保單現金價值滅失日=exact date of exhaust危險自留=risk retention相互保險社=mutual insurance association附加高額醫療保險=supplemental major medical insurance保險證=certificate of insurance保險證=certificate, insurance事故發生基礎承保式=occurrence form財產保險=property insurance長期失能=long-term disability法定年齡=legal age公認財務顧問師=Chartered Financial Consultant（ChFC）固定所得與本金保單=income and principal policy保單持有人=policyholder保全=conservation團體人壽保險=life insurance, group每日住院給付=daily hospital benefit告知=representations告知=disclosure現值因子=present value factor索賠=claim索賠=claims made要保人=applicant要保人=applicant for insurance要保人=proposer營建工程保證保險=construction bond逆仲介=disintermediation長期失能保險=long-term disability income insurance 長期失能保險=permanent health insurance（PHI）震災保險=earthquake insurance個人簡易壽險=individual life insurance承保業務內容組合=portfolio風險移轉=risk transfer風險移轉=transfer of risk利率風險=interest rate risk斷肢保險=dismemberment insurance總保費=gross premium總保費=premium, gross次標準體=risk substandard次標準體=substandard次標準體=under-average life汽車責任保險=automobile liability insurance受託人=bailee受託人=fiduciary受託人=trustee受託人=consignee增額保險單=additional optional policy責任準備金修正制=modified reserve standards已發生之費用=expense incurred保證增加保額選擇權=guaranteed issue投保前已存在的健康狀態=preexisting condition約定價值條款=agreed value clause事故發生基礎=occurrence basis自動墊繳保費=automatic premium loan（APL）個人信用保證保險=individual fidelity bond可能最大損失=maximum probable loss可能最大損失=possible maximum loss（PML）可能最大損失=probable maximum loss（PML）風險衡量=risk measurement保單紅利選擇權=dividend options保單紅利選擇權=options, dividend最大誠信契約=contract of utmost good faith最大誠信契約=uberrime fidei contract清償能力邊際=margin of solvency保單生效日=policy date豁免保險費附約=waiver of premium rider保險公司=insurance company信用卡偽造保險=credit card forgery insurance保證現金價值=cash value, guaranteed保證現金價值=guaranteed cash value要約與承諾=offer and acceptence保證購買選擇權=guaranteed purchase option賠償金=reparations保險契約=contract保險契約=contract of insurance保險契約=insurance contract變更受益人=beneficiary change財團法人工程保險協進會=Engineering Insurance Association（E.I.A.）自然災害=peril of nature受益人=beneficiary傷害及疾病保障=injuries and diseases covered職業傷害=occupational injury終身失能給付=lifetime disability benefit單獨海損=average, particular單獨海損=particular average承保能量=capacity危險因素=hazard承保利潤=underwriting profit保險證明書=insurance certificate保險效力終止條款=termination clause可信度=credibility完全失能給付=total disability benefit實質危險因素=hazard, physical實質危險因素=physical hazard汽車保險=automobile insurance汽車保險=motor insurance汽車保險=vehicle coverage信用風險=credit risk可保性=insurability海損理算師=average adjuster法律風險=legal risk航空器墜落及機動車輛碰撞承保式=falling aircraft & vehicle impact form 可保性增額選擇權=insurability option現值=current value現值=present value現值=present worth不保項目批註=exclusion rider遞延年金=annuity, deferred遞延年金=deferred annuity直接簽單公司=direct writer直接簽單公司=direct writing carrier保險效力之中止=suspension of coverage提前滿期選擇權=accelerated option除外（不保）期間=deferred period承保準備金=underwriting reserve連生生存年金保險=joint life and survivor insurance連生生存年金保險=joint-life and last-survivor annuity變額壽險=variable life insurance法定有價證券評價準備=mandatory security valuation reserve（MSVR）應計基礎（權責發生基礎）之會計方法=accrual basis of accounting團體年金=annuity, group團體年金=group annuity保單所有人權益=equity, policyowners保單所有人權益=policyowners equity保單所有人權益=policyholder surplus已發生費用=incurred expenses不續約條款=non-renewal clause保費自動墊繳選擇權=automatic premium loan option對價=quid pro quo對價=valued of all consideration對價=consideration請求給付保險金=claim純保費=premium, pure純保費=pure premium純保費=net premium純保費=net single premium純保費=premium, net非營利性公司=non-profit corporation利率敏感型保險單=interest sensitive policies定期年金=terminable annuity特別賠款準備金=special loss reserve保單可貸金額=loan value不當執業=malpractice財團法人保險事業發展中心=Insurance Institute of the Republic of China 分離帳戶=separate account二十年期繳費終身壽險=twenty-payment life不可轉換定期保險=non-convertible term insurance未決賠款=claim outstanding未決賠款=loss outstanding未決賠款=losses outstanding未決賠款=outstanding losses風險控管=risk control追溯保費=retrospective premium強制汽車責任保險=compulsory automobile liability insurance保險期間=duration of risk保險期間=period保險期間=policy period保險期間=policy term保險期間=term of policy保險期間=term人身意外傷害保險=personal accident insurance風險暴露單位=exposure unit故意之侵權行為=intentional tort故意之侵權行為=tort, intentional投保紀錄=insurance history列名被保險人=insured named列名被保險人=named insured主保險單=primary cover健康保險=health insurance可保價值=insurable value終身失能保險=lifetime policy不足額保險=underinsurance分進再保險人=assuming reinsurer保單架構=policy structure推定全損=constructive total loss招募率=recruitment ratio客觀危險=objective risk生存年金=annuity, life生存年金=life annuity被保險人=assured被保險人=cestui que vie被保險人=insurant被保險人=insured長尾賠案=long-tail claim保單貼現=viatical settlement代理費用=agent expense保險業務員=producer保險業務員=solicitor承保成本=underwriting cost未收保險費=outstanding premium未收保險費=uncollected premium不沒收價值=non-forfeitability確定給付退休金計畫=defined benefit pension plan 確定給付退休金計畫=pension plan, defined benefit 現金價值=cash value比例再保險=reinsurance, share比例再保險=share reinsurance比例再保險=proportional reinsurance金融服務=financial services工程保險=engineering insurance共同海損=general average海難=perils of the sea標準差=standard deviation or variation第三人責任保險=third party liability insurance罷工暴動民眾騷擾不保條款=free of strikes, riots and civil commotion clause （F.S.R. & C.C. clause）已發生但未報損失=incurred but not reportedlosses（IBNR）除外期間=deductible, period除外期間=excepted period除外期間=excluded period保證利率=guaranteed interest rate火災法律責任保險承保約定=fire legal liability coverage估計最大損失=estimated maximum loss（EML）事故年度=accident year國民健康保險=national health insurance養老年金險=annuity, endowment調整後承保利潤=adjusted underwriting profit長尾業務=long-tail business平均損失幅度=average loss severity平均損失幅度=average severity保單交付=policy delivery分紅保險=par分紅保險=participating insurance銀行保險=allfinanz銀行保險=bancassurance保險單起保日=commencement of coveragement保險單起保日=date of inception of the policy確定提撥退休金計畫（購買型計畫）=defined contribution pension plan（money purchase plan）加減費率法=modification rating每一事故限額=limit, per accident每一事故限額=occurrence limit每一事故限額=per accident limit簡易保險=industrial insurance寬限期間=grace period寬限期間=days of grace法定公積金=statutory surplus差別費率=rate discrimination頻率=frequency承保範圍=coverage承保範圍=insurance coverage定額給付年金=annuity, fixed定額給付年金=fixed annuity大數法則=law of large numbers大數法則=the law of large numbers每年更新（續保）團體定期保險=yearly renewable group term insurance 現金保險=cash insurance現金保險=money insurance非比例性再保險=nonproportional reinsurance生存險=pure endowment足額保險=full insurance足額保險=full value insurance傳統人壽保險公司=old line company傳統人壽保險公司=old line legal reserve company有效契約=business in force有效契約=in-force business有效契約=valid contract有效契約=insurance in force營建工程契約保證保險=bond, construction contract營建工程契約保證保險=construction contract bond比率再保險=reinsurance, quota share營建工程保險=construction insurance保險轉嫁=insurance transfer安裝工程保險=installation insurance風險辨識=risk identification外務佣金=agent's commission全損=total loss（TL）兵險條款=war clause兵險條款=war risk clause醫療保險=medical insurance代位原則=subrogation principle推定失能=presumptive disability分保公司=primary終身壽險=life insurance, permanent終身壽險=lifetime policy終身壽險=ordinary life-whole life-straight life終身壽險=permanent life i基本保費=basic premium不可保危險=noninsurable risk不可保危險=noninsurance risk不可保危險=uninsurable risk執業過失責任保險=malpractice liability insurance分紅保單=participating分紅保單=participating policy分紅保單=with-profits policy意外事故傷害=injury independent of all other means無清償能力=insolvency附加承保範圍=additional extended coverage分保=cede分保=reinsurance投資報酬風險=investment yield risk火災保險=fire insurance事故發生率=incidence rate人身意外傷害及疾病保險=personal accident and sickness insurance 求償通知條款=notice of claim provision免除特定責任=waiver事故發生通知=notice to company避險=hedge避險=hedging事故年度統計=accident-year statistics攤回再保險賠款=claim recovered from reinsurer獨立董事保險單=independent directors policies標準體=risk, standard標準體=standard標準體=standard life到期日=date of expiration保額=amount insured保額=amount of insurance非系統性風險=risk, unsystematic自動保費墊繳條款=automatic premium loan provision（APLP）佣金=commission財務再保險=financial reinsurance適格要件=eligibility requirement住院醫藥費保險=hospital medical insurance效力終止=termination年金保險=annuity提前滿期=accelerative endowment穿透率=penetration調解=mediation再保=reinsurance專屬保險=captive insurance意外死亡條款=accidental death clause輸出融資保險=export loan insurance人壽保險標準（示範）條款=standard provision, life insurance承保條款=insuring clause復原條款=reinstatement clause保證與告知=warranties and representation傘覆式再保險=umbrella reinsurance保額復效=reinstatement of the sum assured保險代理人=insurance agent聲明條款=recital clause保單轉換條款=policy change provision不定值海上保險單=unvalued marine policy除外責任條款=exception clause再保險合約=reinsurance treaty再保險合約=treaty年金受益人=annuitant海損=average定額給付=benefit, flat dollar定額給付=fixed benefit定額給付=flat dollar benefit定額給付=stated value benefit保險密度=insurance density公營保險人=governmental insurer辛迪卡=syndicate財務規劃師=Certified Financial Planner（CFP）失能所得附加特約=disability income rider比率再保險合約=quota share reinsurance（treaty）意外事故預防=accident prevention貼現值=discount value短期費率=short period rate短期費率=short rate直銷=direct selling限期繳費保險契約=limited payment policy共同受益人=joint beneficiary外務員=agent外務員=field representative外務員=fieldman外務員=representative外務員=representative, field定值保險=valued coverage曆年事故年度統計=calendar-accident-year statistics保險單起迄日=date of subscription to the policy保單解約=surrender a policy長期看護險=long-term care（LTC）現金賠款=cash claim住院及手術費用保險=hospital / surgical expense insurance 住院保險=hospitalization insurance風險管理程序=risk management process費率釐定機構=rating organization自然耗損不保事項=wear and tear exclusion兵險=war risk受益人生存年金=survivorship annuity躉繳保費=premium, single躉繳保費=single payment躉繳保費=single premium保險經紀人公司=brokerage agency全險=against all risks（AAR）全險=all risk insurance全險=all risks全險=open perils風險值=value at risk（VaR）人壽保險之生存給付=living benefits of life insurance自然保費=natural premium財產及責任保險核保人=Chartered Property and Casualty Underwriter（CPCU）賠款成本率=burning cost ratio（pure loss cost）不實說明=misrepresentation可移轉式退休金=portable pension信用失能保險=credit disability insurance附加醫療保險=supplemental medical insurance附加醫療保險=supplementary medical insurance個人傷害保險=personal injury insurance投保申請書=application已承保=covered額外保費=extra premium額外保費=premium, extra不實重要說明=material misrepresentation危險事故=peril承保條=slip分保人=cedent股份型態之保險公司=stock insurance company股份型態之保險公司=stock insurer自殘=self-inflicted injury法律責任保險單=legal liability insurance policy保險單=insurance policy保險單=policy綜合個人責任保險=comprehensive personal liability insurance事故發生基礎責任承保範圍=claims occurrence basis liability coverage 平準佣金=commissions, level平準佣金=level commission事故=occurrence不可抗力之事故=force majeure射倖契約=aleatory contract發單日=date of issue營建機具綜合保險=contractors equipment insurance表定死亡率或罹病率=tabular mortality or morbidity附加保費=additional premium（AP）附加保費=loading charge附加保費=premium loading附加保費=loading失能豁免保險費=waiver of premium disability benefit失能豁免保險費=waiver of premium for disability確定簽單保額=definite closing起賠式自負額=deductible, franchise起賠式自負額=franchise deductible自然死亡=natural death風險管理=risk management現金償還年金（一次償還年金）=cash refund annuity（lump sum refund annuity）臨時分保=facultative reinsurance臨時分保=reinsurance, facultative喪葬保險=burial insurance喪葬保險=funeral insurance保單變造=spoliation保費=insurance premium保費=premium放佣行為=rebating每年更新（續保）定期保險=annual renewable term insurance每年更新（續保）定期保險=yearly renewable term insurance每年更新（續保）定期保險=yearly renewable term（YRT）保險需求分析法=need approach長期失能所得保單=long-term disability policy受託人保險=bailees insurance相互保險=mutual insurance已付賠款=losses paid已付賠款=paid losses失能保險=disability insurance技術準備金=technical reserve保單轉換=policy replacement不保危險=excluded peril防護及補償協會=Protection and Indemnity Club（P & I Club）風險成本=cost of risk營造綜合保險=contractor's all risks insurance（C.A.R.）保單面值=policy face（保險）仲介人=intermediary要約=offer投資連結型養老保險=unit-linked endowment初年度保費=first-year premium指數人壽保險=indexed life insurance巨災再保險=catastrophe reinsurance巨災再保險=reinsurance, disaster死亡風險=mortality risk保單聲明（要保書表白事項）=policy declaration約定價值=agreed value不保事項=exception分期保險費=installment premium保單滿期日=maturity date不分紅人壽保險=non-participating life insurance重要事實=material fact風險評估=risk assessment不可續保契約=non-renewable contract費率類別（費率等級）=rating class費用率=expense ratio個人退休金計畫=personal pension scheme不保財產=exclusion property契約轉換=conversion已發生之損失=incurred losses績優費率法=merit rating績優費率法=rating, merit人壽保險：人生風險=life insurance：life risk平均餘命=expectation of life平均餘命=life expectancy繳清保險=paid-up insurance投資報酬率=yield on investments ratio失效=lapse相互壽險公司=mutual life assurance company個人年金=annuity, individual個人年金=individual annuity再保險經紀人=reinsurance broker承保項目=item保單起保日及損失發生時點=contract inception and time of loss 信用卡保險=credit card insurance輸出保險=export insurance錯誤與遺漏條款=errors and omission clause增加率=accrual rate直接損失=direct loss直接損失=direct damage免賠額條款=franchise clause保單所有人保費豁免優惠=owner waiver of premium benefit核保=underwrite核保=underwriting除斥期間=limitation推定過失=negligence, presumed推定過失=presumed negligence抗辯條款=contestable clause分進公司=assuming company分進公司=ceded company分進公司=accepting office保險=assurance保險=insurance污染除外條款=pollution exclusion風險管理人=risk manager抗辯費用=defence cost抗辯費用=defense costs拋棄繼承=disclaimer遞延給付=deferred benefits and payments遞延給付=deferred payments鍋爐保險=boiler insurance意外死亡及斷肢、喪失能力=accidental death and dismemberment（AD&D）自用汽車保險單=personal auto policy自用汽車保險單=personal automobile policy（PAP）最大善意=bona fide最大善意=uberrimaie fidei風險管理師=Fellow in Risk Management（FRM）防護及補償保險=P&I insurance防護及補償保險=protection and indemnity（P & I）insurance危險抑減=risk reduction放射性污染保險=radioactive contamination insurance押標金保證保險=bid bond押標金保證保險=bond, bid協會貨物保險條款=institute cargo clauses（I.C.C.）保單滿期=matured自負額=deductible自負額=excess汽車車體損失保險=automobile physical damage insurance受益人信託=beneficiary of trust遺族年金=death benefit only已經過期間之保費=premium earned承保處所=insured premises費率手冊=rate book費率手冊=rate manual定期保險單=term of the policy定期保險單=term policy保單貸款=loan賠款準備金=loss reserve賠款準備金=reserve, loss附加保險事故=additional perils市場價值相對於實際現金價值=market value v. actual cash value信用保險=credit insurance保險利益=insurable interest保險利益=insurance interest保險精算師=actuary讓與權利=right of assignment不定值保險單=nonvalued insurance policy不定值保險單=unvalued policy貨物保險=cargo insurance投資型保險商品=investment-linked product現值表=present value tables金融控股公司=financial holding company保單體檢=periodic reviews不可轉讓保險單=nonassignable policy放佣=rebate年繳保費=annual premium員工誠實保證保險=bond, fidelity員工誠實保證保險=fidelity bond員工誠實保證保險=fidelity guarantee insurance變額萬能壽險=universal variable life insurance變額萬能壽險=variable universal life死亡給付=death benefit專屬代理制度=exclusive agency system毛保費=gross premium毛保費=premium, gross保單=insurance policy保單=policy續保條款=renewal agreement續保條款=renewal provision海上保險=marine insurance海上保險=wet marine insurance危險保費=risk premium法定不保事項=statutory exclusions除外項目=exclusion連動式債券=structured note拒保=rejection承保集團=pool保險金額=insurance cover保險金額=insured amount保險金額=sum insured保險金額=amount insured保險金額=amount of insurance風險基礎資本規定=risk based capital（RBC）requirements 再保險佣金=reinsurance commission提前給付之死亡保險金=living death benefits未滿期保費=premium, unearned未滿期保費=unearned premium定值保險單=stated value policy定值保險單=valued policy直接原因=proximate cause意外頻率=accident frequency承保會員=underwriting member約定價值保險單=agreed value policy失能所得保險=disability income insurance臨時再保險證明書=facultative certificate of reinsurance 非比例性保險=nonproportional insurance屬人危險=personal hazard其他被保險人=other insureds保險利益條款=insurable interest clause自動增加給付=automatic increase in benefits產品責任保險=liability insurance, product產品責任保險=product liability insurance公認壽險核保師=Chartered Life Underwriter（CLU）危險評估=risk appraisal保單評價=valuation, policy復效附註條款=reinstatement memorandum清償能力=solvency表定利率=tabular interest rate學生保險=student insurance現賠=cash claim索賠公證人=claim adjuster長尾責任=long-tail liability重複投保分攤準則=nonconcurrent apportionment rules給付選擇權=options of payment巨災債券=CAT bond巨災債券=catastrophe bond抗辯期間=contestable period海事公證人=marine surveyor契約=contract倫敦勞依茲=Lloyd's of London固定收益財務工具=fixed income financial instrument變額年金=annuity, equity變額年金=annuity, variable變額年金=equity annuity(ies)變額年金=variable annuity變額年金=variable dollar annuity生效日=effective date豁免保費條款=payor provision非投資等級債券=noninvestment grade bonds家畜保險=livestock insurance保險商品=product醫療費用保險=medical expense insurance醫療費用保險=medical payments insurance定期壽險附約=term insurance rider保險單生效日=date of policy貨物運送人保險=motor truck cargo insurance不喪失解約金價值=non-forfeiture cash surrender benefit醫師專業責任保險=liability insurance, physicians and surgeons 終止條款=cancellation clause勞工災害補償=workers compensation（W.C.）暫保單=binder暫保單=binding slip暫保單=cover note暫保單=insurance cover note理賠費用=claim expense理賠費用=loss adjustment expense共保=coassurance指數型人壽保單=indexed life policies效力中止條款=suspension provision直效行銷=direct marketing彈性保費=flexible premium保戶手冊=buyer's guide政策性保險=act insurance核保利潤=underwriting profit洪水保險=flood insurance汽車第三人責任保險單=third party only policy年金保費=annuity consideration年金保費=premium, annuity年金生命表=annuity table傳統人壽保險=old line傳統人壽保險=old line life初年定期式責任準備金提存制=preliminary term reserve system保險費率=insurance rate保險費率=premium rate豁免保險費=waiver of premium（WP）保留盈餘=retained earnings罷工保險=damage from strikers insurance罷工保險=strike insurance重大過失=gross negligence重大過失=negligence, gross自留=retention勞依茲辛迪卡=Lloyd's Syndicate保單移轉=transfer航空保險=air insurance航空保險=aviation insurance地震險=earthquake insurance超額保險=excess insurance超額保險=over insurance超額保險=over-insurance人壽保險可績保性=life insurance renewability保單指定受益人=owner's designated beneficiary保險金=amount of loss保險金=policy proceeds重置成本保險=replacement cost insurance企業主管人員保險=key-executive insurance公認財務分析師=Chartered Financial Analyst複保險=double insurance複保險=overlapping insurance意外傷害保單=accident policy不沒收條款=non-forfeiture benefit（option）不沒收條款=non-forfeiture clause不沒收條款=non-forfeiture option or provision不沒收條款=non-for投資帳戶=investment account保單年度經驗=experience, policy year保單年度經驗=policy year experience連生被保險人=joint insured告知義務=duty of disclosure保險集團=insurance pool心理危險因素=hazard, morale心理危險因素=morale hazard住院、手術及醫療費用保險=hospital, surgical, and medical expense insurance自殺條款=suicide clause自殺條款=suicide provision政治風險=political risk公證人=adjuster公證人=surveyor選擇權=option非營利性保險人=non-profit insurers保本型年金=capital protected annuity營業中斷=business interruption（BI）附加保險費=loading責任保險=liability insurance投資連結型個人退休金=unit-linked personal pension人壽保險=life assurance人壽保險=life insurance現金價值壽險=cash value life insurance單一費率=flat rate單一費率=rate, flat玻璃保險=glass insurance責任限額=liability limits責任限額=limit of liability台灣地區營造綜合保險聯合小組=Committee of Contractor's All Risks Underwriters in Taiwan（C.O.C.A.R.U.I.T.）一次購足=one-stop shopping行為能力=competency行為能力=legal capacity承保事故約定=coverage, peril車體損失保險=physical damage insurance契約不為承認之補償保險=contract repudiation indemnity估價條款=appraisal clause估價條款=valuation clause保單復效=reinstatement of policy限期繳費人壽保險=life insurance, limited payment限期繳費人壽保險=limited payment life insurance查勘=inspection額外生活費用保險=additional living expense insurance理算人=adjuster定額年金=level annuity醫療照護保險=medical care insurance風險基礎資本比率=risk based capital ratio保單價值=policy value自負額條款=deductible clause十日審閱期條款=ten-day free look provision淨保費=net premium淨保費=net single premium淨保費=premium, net給付=benefit公共運送人=common carrier基本費率=basic rate保險費非法處置=illegal holding of premiums現金償還年金=annuity, cash refund事業責任保險=business liability insurance疾病保險=sickness coverage疾病保險=sickness insurance懲罰性損害賠償金=exemplary damage可保性證明=evidence of insurability拖曳費用=towing charge衍生性金融商品=derivatives罹病率=morbidity罹病率=morbidity rate獨立代理人=agent, independent獨立代理人=independent agent不可轉讓契約或保險單=nonassignable contract or policy可轉換定期壽險=convertible term life insurance人壽保險單條款=policy provisions, life保單轉讓=policy assignment輸出信用保險=export credit insurance發生年度=occurrence year保單繼續率=persistency總括保險=blanket insurance巨災=catastrophe保險人=assurer保險人=insurance carrier保險人=insurer保險人=carrier不可變更之受益人=absolute beneficiary不可變更之受益人=beneficiary, absolute不可變更之受益人=beneficiary, irrevocable不可變更之受益人=irrevocable beneficiary其他保險=other insurance社會保險=social insurance定期人壽保險=life insurance, term定期人壽保險=term life insurance已終止之保單=terminated policy保費收入=premium income職業意外事故=accident, industrial職業意外事故=industrial accident職業意外事故=occupational accident批註（條款）=endorsement營業許可證=certificate of authority保險事故=insured peril旅行平安保險=travel accident insurance承保確定=commitments風險證券化=securitization of risk專屬代理人=agent, captive專屬代理人=captive agent專屬代理人=exclusive agent危險承擔=assumption of risk危險承擔=risk assumption分紅=dividend保單年度=policy year起賠點=attachment point起賠點=excess point一般公認會計原則=generally accepted accounting principles（GAAP）連生壽險=joint life insurance已繳股本=paid-in capital航空乘客意外保險=aviation passenger accident insurance保證解約退還金=cash value, guaranteed保證解約退還金=guaranteed cash value保險單不保項目=exclusions of policy風險基礎資本=risk based capital（RBC）退休保險需求=retirement insurance needs所得平均法=income averaging免賠額=franchise免賠額=deductible, franchise免賠額=franchise deductible分出公司=cedant分出公司=ceding company保險費=charge of insurance保險費=insurance expense保險費=insurance premium保險費=premium放棄代位權條款=waiver of subrogation rights clause保險單總價值=amount of insurance to value已收保費=earned premium效力保險=efficacy insurance保險代位=subrogation承保損失=covered losses重大疾病保險=catastrophic illness insurance重大疾病保險=critical illness insurance重大疾病保險=dread disease insurance臨時再保險=facultative reinsurance臨時再保險=reinsurance, facultative承保危險=risks covered使用性質=occupancy每日定額給付=fixed daily benefit失效解約率=lapse ratio綜合率=combined ratio專屬保險公司=captive insurance company承保費用=underwriting expense契約保全=life conservation意外=casualty意外=contingent可保危險=insurable risk使用性質變更條款=change in occupancy or use clause住院他項費用給付=special services benefits暴風雨、民眾騷擾、煙燻、冰雹、航空器、機動車輛、爆炸及暴動=W. C. SHAVER 人壽保險單=life policy自然耗損=natural losses自然耗損=wear & tear契約審閱期間=cooling-off period聲明事項=declaration確定給付=payment certain理賠=claim理賠=claim adjustment船體保險=hull insurance錯誤與遺漏保險=errors and omissions insurance（E&O）共同保險規定=coinsurance provision保單責任準備金=policy reserve侵權行為=tort附條件可續保契約=conditionally renewable contract 隨支隨付計畫=pay-as-you-go plan器官移植給付=transplant benefit現值化利率=capitalization rate保險單之簽約日期=date of subscription to the policy。
保险英语-汉英
保险英语词汇A abandonment 委付abandonment clause 委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss 累积损失all-risks policy 一切险保单antis election 逆选择applicant 投保人application 投保单approved 承保assignment clause 转让条款average 海损、海损分摊average adjuster 海损理算人average clause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing 包装破碎险broker 经纪人保险英语词汇Ccapacity 承保能力captive 自保公司captive pools 自保组合cargo damage adjustment 货损理算cargo damage inspection 货损检验cargo damage prevention 货损预防cargo damage report 货损报告cargo damage survey 货损检查，货物损坏检验cargo insurance premium 货物保险费cargo insurance rate 货物保险费率cargo insurer 货物承保人cargo policy 货物保单，货物保险单cargo premium 货运保险费，货物保险费cargo underwriter 货物保险承保人（商），货险承保人，货物承保人cash loss 现金赔款cash value 现金价值catastrophe 巨灾catastrophe excess of loss（CXL）巨灾超赔\巨灾超赔分保categories of insurance 保险类别ceding company 分出公司ceding(insurance)company 分保公司ceding, retrocession(for reinsurance) 分保certificate of cargo damage 货损证明certificate of insurance 保险证明、保险凭证cession limit 分保限额China Insurance Clause (CIC) 中国保险条款claim 索赔claim assessor 索赔人claim settlement 理赔claim-prone 容易出险claims and arbitration 索赔与仲裁claims assistance 理赔协助clash and breakage 碰损，破碎险clean cut 结清方式coinsurance 共保co-insurance 共同保险co-insurance company 共同保险公司combined ratio 综合赔付率commencement and termination 起讫concurrent insurance 同时保险consequential loss (CL) 后果损失constructive total loss 推定全损contingent liquidity 或有流动性continued insurance 继续保险co-related risks 关联风险cover 承保、责任额cover note 保险证明书,承保单，保险证明cover note 暂保单（证明同意承保的临时文件）coverage 受保范围保险英语词汇Ddamage 损坏赔偿金damage cargo clerk 理残员，货损管理员damage cargo list 货损单，残货单damage certificate 损坏证明书damage claim 损坏索赔damaged by other cargo 由其他货物损害damaged cargo list 受损货物单damaged cargo report 受损货物报告书，货物损害报告deductibles 免赔额deposit premium 预付保费destroyed 毁坏disbursement policy (船舶)驶费保险单dividend system 红利制度double insurance 双保险dual valuation clause 双重价值条款保险英语词汇Eemployer 业主Endorsement 批单endorsement: 签注endowment insurance 养老保险endowment policy 人寿定期保险单event limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款excess of loss cover 超额赔偿excess of loss（XL) 超赔分保exclusion 除外责任EXL protection 超赔保障exposed areas 风险承受区域exposure rating 风险评估extra charges 额外费用extra premium 额外保险费extraneous risks (additional risks) 附加险保险英语词汇Ffacultative business 临分保facultative reinsurance 临时分保fault liability 过失责任financial quota shares 成数分保fine print 细则finite risk 有限制的风险finite risk transfer 有限风险转移floating policy 浮动保险单franchise (deductible) 免赔额；免赔率free of all average (FAA) 全损赔偿freight insurance 运费保险freight policy 运费保险单full coverage 全额承保full insurance 全额保险full insurance value 足额保险价值full liability 全部责任保险英语词汇Ggeneral average（GA）共同海损grace period 宽限期gross net premium income（GNPI）总净保费收入group insurance 团体保险guarantee of insurance 保险担保书保险英语词汇Hhazard 危险因素health insurance 疾病保险，健康保险heavy damage 严重破坏holistic risk transfer 整体风险转移hook damage 勾（钩）损险hour clause 小时条款保险英语词汇IIBRN reserve 已发生但未报的损失储备金，IBRN储备金import cargo insurance 进口货物保险increased value clause 增值条款increasing coverage, extending coverage 加保Incurred but not reported losses(IBRN) 已发生但未报的损失indemnity limit 赔偿期限indemnity period 赔偿期individual losses 单一损失industrial insurance 产业保险inflated claim 超额索赔inherent nature of cargo 货物的固有性inherent vice 内在缺陷inherent vice of cargo 货物固有缺陷inspection of cargo 积货鉴定，货物检验，检查货物inspection of cargo GA or PA 海损(单独海损或共同海损)鉴定inspection on damaged cargo 货物残损检验installment insurance 分期付款保险Institute Cargo Clauses (ICC，I.C.C.) 协会货物（保险）条款insurability 可保性insurance 保险，保险费，保险金额insurance act 保险条例insurance against risk 保险insurance agent(s) 保险代理，保险代理人insurance amount 保险金额\保险额insurance applicant 投保人insurance assessor 保险公估人insurance broker 保险经纪人insurance business 保险企业\保险业insurance capacity 承保能力insurance certificate 保险凭证\保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件\保险契约约定条款insurance contract 保险合同insurance corporation 保险公司insurance coverage 保险范围，保额insurance declaration sheet(bordereau) 保险申报单(明细表) insurance division 保险部insurance document 保险单据insurance expense 保险费insurance fond 保险基金insurance industry 保险业insurance instruction 投保通知，投保须知insurance law 保险法insurance on last survivor 长寿保险insurance period 保险期限insurance policy 保险单\保单insurance premium 保险费insurance proceeds 保险金（保险收入）,保险赔偿金，保险赔款insurance rate 保险费率表insurance securitization 保险证券化insurance slip 投保单\投保申请书insurance subject 保险标的insurance treaty 保险合同insurance underwriter 保险承保人insurance value(insurance amount) 保险金额insurant 被保险人，受保人insure 保险、投保、保证insured 被保险人insured amount 保险金额insured loss 保险损失insured property 参保物业Insured Value 保险价值insurer 保险人、保险公司，保险商insurer (underwriter) 承保人、保险人investment insurance 投资保险保险英语词汇J-LJjettison 投弃Llaw of insurance 保险法law of large numbers 大数法则leaflet 说明书less exposed 损失可能性小letter of guarantee 保函，保证书liability 责任liability insurance 责任保险license bond 执照保险life assured 人寿保险投保人life expectancy 平均余命life fund 人寿保险基金life insurance 人寿保险life insurance actuary 人寿保险精算师life insurance reserve 人寿保险责任准备金life Table 生命表light damage 轻度破坏limits 投保限额line slips 分保条liquidity support 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费loss adjuster 损失理算人loss occurrence 损失发生loss occurring basis 损失发生基础loss of profit 利损险loss participation 分担损失loss ratio 损失率loss ratio 赔付率loss settlement 损失赔付保险英语词汇Mmail contractor 承包商main risks 主险maintenance 保证期malicious damage 恶意损害marine insurance 海上运输保险，水险marine losses 海损medical insurance 医疗保险mortality tables 死亡率表（用于计算保险风险）multiple claim 多次（重复）索赔multiple insurance 重复保险mutual insurance 相互保险mutual insurance company 相互保险公司保险英语词汇NNatCat pooling 自然灾害共保natural catastrophe（NatCat）自然灾害natural premium 自然纯保费net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险no-claims bonus 无索偿奖金non-life 非寿险non-proportional reinsurance 非比例再保险notification 告知保险英语词汇Oobject 标的obligatory reinsurance 固定分保ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险original deductibles 原始免赔额original rate 原始费率over insurance 超额保险overland （transportation）insurance 陆上运输保险保险英语词汇Pparcel post insurance 邮包运输保险partial loss 部分损失particular average (PA) 单独海损peril 危险、危险事故perils of the sea 海上风险permit bond 许可证保险placement 安排policy 保单、保险单、保险契约policy holder 保险客户\保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金policy-holder 保险客户policyholder 保单持有者policy-holder 保险客户pool 共保组合、合保pool 联营pool administrator 共保组合管理人portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐possible maximum loss（PML）可能最大损失post-financing 后融资post-funding 后融资pre-financing 先融资pre-funding 先融资premium 保险费premium rate 保险费率premium rebate 保险费回扣previous losses 既往损失primary insurance company 原保公司、主保险商principal 业主principle of compensation 补偿原则priority 分保自留额、自付责任priority (deductible) 优先（免赔额) proceeds 收益professional 专业险profit margin 利润边际property 财产险property covered 受保财产property insurance 财产保险proportional cover 比例分保proportional reinsurance 比例再保险proximate cause 近因punitive damage 惩罚性损害pure endowments 定期生存保险pure risk 纯粹危险保险英语词汇Rrain insurance 雨水保险rainstorm 雨暴rate 费率rating 费率recovery 追偿金reinstate 复效reinstated 继单reinstatement 恢复保额reinstatement value insurance 重置价值保险reinsurance 分保、再保险、转保reinsured 分出公司reinsurer 分保人（分保公司）、再保险人rejection risk 拒收险renew coverage 续保renewal 续保；延期renewal premium 续保费renewing coverage 续保reserve 准备金retention 自留、自留额return period 重现期revoke license 吊销营业执照riot insurance 骚乱保险risk 险别、风险、保险，保险额risk carrier 风险承担人risk covered 承保险项risk insured 承保险项risk management 危险管理risk premium 风险保费\风险贴水、风险溢价risk unit 危险单位risks covered 保险范围保险英语词汇Ssalvage charge 救助费用salvage value 残值，获救货物或船舶的价值second event cover 第二事件承保set-off 抵销settlement of claim 理赔sickness insurance 疾病保险social insurance 社会保险solvency 偿付能力solvency margin 赔偿能力spread loss 分散风险standing charges 维持费用stop loss 赔付率超赔sub-contractor 分承包商subject insured 风险标的subrogation center 代位求偿权sue and labor expenses 施救费用suicide clauses 自杀条款sum insured 保险金额、保额surplus insurance 盈余保险survey at jetty risk 码头检验险survey in customs risk 海关检验险保险英语词汇Ttariff 费率表tariff zone 险区term insurance 定期保险TG 拐点周期the insured 被保险人，受保人time policy 定期保险单topographic map 地形图total loss 全部损失total sum insured 总保额treaties business 合同分保treaty reinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇Uunder insurance 低额保险underwriters 保险商（指专保水险的保险商）、保险承运人、保险公司underwriting 承保underwriting policy 承保政策unvalued insurance 不定值保险unvalued policy 不定值保单utmost good faith 最大诚信保险英语词汇V-ZVvalued insurance 定值保险voluntary insurance 自动保险Wwaiver and estelle 弃权与禁止反言windstorm 风暴working cost 营业费用working expenses 营业费用writing 承保written premiums 承保保费保险英语缩写语1ALOP Advance Loss Profits预期利润损失险，利损险ART Alternative Risk Transfer新型风险转移BI Business Interruption Insurance 营业中断险CAR construction all risks建筑工程一切险（建工险）CIC China Insurance Clause中国保险条款CL Consequential Loss 后果损失CXL catastrophe excess of loss巨灾超赔分保EAR Erection All Risks 安装工程一切险（安工险）EEI Electronic Equipment Insurance电子设备险F.A.A. free of all average一切海损不赔险\全损赔偿f.g.a./faafree of general average共同海损不赔险F.O.D. free of damage损坏不赔F.P.A./FPAinsurance free of (from) particular average平安险（单独海损不赔）F.R.E.C. Fire Risk Extension Clause For Storage of Cargo at Destination HongKong, Including Kowloon ,or Macao出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款F.W.R.D.rain fresh water damage Risk淡水雨淋险FCSR & CCfree of capture, seizure, riots and civil commotions掳获,捕捉,暴动和内乱不赔险FPAfree from particular average 平安险G.A./GA general average共同海损(保)G.A.A. general average agreement (bond)共同海损协议(合同)G.A.C. general average contribution共同海损分摊额(保)GNPI Gross Net Premium Income总净保费收入I.P.A. including particular average包括单独海损(保)IBRN Incurred but not reported losses已发生但未报的损失ICC Institute Cargo Clauses, London伦敦协会货物条款(保险)IWL institute warranty limits (伦敦保险人)协会保证航行范围l.& d. loss and damage损失与残损L/AL loyd's agent劳埃德保险公司代理人,劳埃德船级社代理人Lkg/Bkg leakage & breakage漏损与破损LOI letter of indemnity保函，也称损害赔偿保证书msca missing cargo灭失货物NatCat Natural Catastrophe自然灾害保险英语缩写语2O.R. owner's risk船舶所有人或货主承担风险O.R.B. owner's risk of breakage破损风险由货主承担O.R.D. owner's risk of damage损失风险由货主承担O.R.F. owner's risk of fire火灾风险由货主承担P. chgs particular charges特别费用(保)P.& I. clause protection and indemnity clause保护和赔偿条款P.& I. club Protection and Indemnity club （Association）船东保赔协会P.L. partial loss部分损失(保)PA particular average单独海损Pandi club Protection and Indemnity club船东保赔协会payt. payment支付,赔偿PICC People's Insurance Company of China 中国人民保险公司PICC Re People's Insurance Company of China Re中国人民保险公司再保险公司PML possible maximum loss可能最大损失PTL partial total loss部分和全部损失PTND，P.T.N.D.theft, pilferage and non-delivery偷窃、提货不着险S.P.A. subject to particular average平均分担单独海损SRCC/ S.R.C.C.insurance against strike, riot and civil commotion 罢工，暴动，民变险TG 拐点周期TLO/T.L.O. insurance against total loss only 全损险TPL Third Party Liability第三者责任险TRNDrisk of theft, pilferage and non-delivery 盗窃提货不着险U/w underwriter保险人WA, WPAinsurance with particular average水渍险/一切险(承保单独海损)XL excess of loss 超赔分保常用保险英语词汇insure 保险；投保；保证insurance 保险；保险费；保险金额underwriters 保险商（指专保水险的保险商）保险承运人insurance company 保险公司insurer 保险人insurance broker 保险经纪人insurance underwriter 保险承保人insurance applicant 投保人insurant, the insured 被保险人，受保人to cover (effect,arrange,take out) insurance 投保insurance coverage;risks covered 保险范围insurance slip 投保单insured amount 保险金额insurance against risk 保险insurance clause 保险条款insurance instruction 投保通知insurance business 保险企业insurance conditions 保险条件PICC (People’s Insurance Company of China) 中国人民保险公司risk insured, risk covered 承保险项risk 险别to provide the insurance 为...提供保险leaflet 说明书fine print 细则insurance expense 保险费premium rate 保险费率premium 保险费insurance rate 保险费率表insurance proceeds 保险金（保险收入）insurance free of (from) particular average (FPA). 平安险（单独海损不赔）insurance with particular average (WPA), basic risks. insurance against all risks. 综合险，应保一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss)? 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TRND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险ocean marine cargo insurance clauses 海洋运输货物保险条款transportation insurance 运输保险overland transportation insurance, land transit insurance 陆上运输保险insurance against air risk, air transportation insurance 航空运输保险parcel post insurance 邮包运输保险ocean marine cargo insurance, marine insurance 水险（海运货物保险）All Risks 一切险average 海损Particular Average (P.A) 单独海损General Average (G.A) 共同海损Marine Losses 海损partial loss 部分损失total loss 全部损失health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险insurance during a period of illness 疾病保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险to purchase health insurance 购买健康保险to have a health insurance policy 购买健康保险Additional Words and Phrasespolicy-holder 保险客户extra premium 额外保险费additional premium 附加保险费insurance law 保险法insurance act 保险条例insurance industry? 保险业insurance division 保险部insurance treaty 保险合同cover note 保险证明书guarantee of insurance 保险担保书premium rebate 保险费回扣insurance claim 保险索赔ceding, retrocession(for reinsurance) 分保reinsurance 分保（再保险）ceding(insurance)company 分保公司co-insurance company 共同保险公司insurance document 保险单据certificate of insurance 保险凭证increasing coverage, extending coverage 加保renewing coverage 续保insurance commission 保险佣金social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险Words and Phrases insure 保险；投保；保证insurance 保险；保险费；保险金额underwriters 保险商（指专保水险的保险商）保险承运人insurance company 保险公司insurer 保险人insurance broker 保险经纪人insurance underwriter 保险承保人insurance applicant 投保人insurant, the insured 被保险人，受保人to cover (effect,arrange,take out) insurance 投保insurance coverage;risks covered 保险范围insurance slip 投保单insured amount 保险金额insurance against risk 保险insurance clause 保险条款insurance instruction 投保通知insurance business 保险企业insurance conditions 保险条件risk insured, risk covered 承保险项time hull insurance船舶定期保险marine insurance 海损保险maritime transportation insurance 海洋运输保险fire insurance 火险cargo insurance 货物保险compulsory insurance 强制保险life insurance 人寿保险insurance policy 保险单expiration of policy 保险单满期general policy condition 保险单一般规定insurance premium 保险费initial premium 初期保险费in-full premium 全部保险费insurance company 保险公司sum insured 保险金额policy-holder 保险客户branch of insurance 保险类别insurer, underwriter 保险人；保险商termination of risk 保险责任终止coverage 保险总额insured, assured 被保险人survey 查勘reinsurance 分保recheck 核对average 海损particular average 单独海损general average 共同海损cargo damage survey 货损检验obligation of compensation for loss 赔偿的义务loss ratio 赔付率indemnity 赔款indemnity 损害赔偿claim 索赔time limit for filing claims 索赔时限notice of loss 损害通知书to renew 续保null and void 宣告无效deposit premium 预付保险费reinsurance 再保险natural losses 自然损耗natural calamities 自然灾害保险行业日常用语I'm looking for insurance from your company.我是到贵公司来投保的。
保险专业词汇英汉对照1
保险专业词汇英汉对照acceptance policy 核保政策accounting period 结算期aggregate limit 累积限额aggregated loss 累积损失antiselection 逆选择ART (Alternative Risk Transfer) 新型风险转移balance 所欠款项barrages 堰坝captive pools 自保组合catastrophe risk 巨灾风险ceiding company 分出公司cession limit 分保限额claim-prone 容易出险claims assistance 理赔协助clean cut 结清方式coinsurance 共保commencement and termination 起讫cover 承保cover 责任额deposit premium 预付保费destroyed 毁坏earth caves 土坏房屋EPAevent limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款exclusion 除外责任exposed areas 风险承受区域facultative reinsurance 临时分保fault zone 断层区finite risk 有限制的风险flash floods 骤发洪水flooding of rivers 洪水泛滥frame structure 框架结构full coverage 全额承保full insurance value 足额保险价值full liability 全部责任Geophysics Institute 地球物理研究所GNPI 总净保费收入hailstorm 雹暴heavy damage 严重破坏hollow brick wall 空斗砖结构hour clause 小时条款hurricane 飓风individual losses 单一损失insurability 可保性insured losses 保险损失intensity 烈度layering 层次less exposed 损失可能性小liability 责任light damage 轻度破坏line slips 分保条loading 附加费loss occurrence 损失发生loss occurring basis 损失发生基础loss participation 分担损失loss settlement 损失赔付magnitude 震级malicious damage 恶意损害moderate damage 中度破坏multi-story building 多层建建筑Munich Re 慕尼黑再net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例再保险notification 告知object 标的obligatory reinsurance 固定分保original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险PICC Re 中保再placement 安排PML 可能最大损失policyholder 保单持有者pool 共保组合portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐premium 保费previous losses 既往损失priority 分保自留额priority 自付责任proportional reinsurance 比例再保险rainstorm 雨暴rating 费率reinforced concrete building 钢筋混凝土建筑reinstatement 恢复保额reinsured 分出公司reinsurer 再保险人retention 自留额retention areas 滞洪区return period 重现期revoke license 吊销营业执照seaquake 海震second event cover 第二事件承保securitization 证券化seismic demage 震害set-off 抵销shear wall structure 剪力墙结构single 险位超赔spread loss 分散风险stop loss 赔付率超赔storm surges 风暴潮susceptibility of goods to water 易受水浸性tarrif 费率表TG 拐点周期tidal wave 海啸topographic map 地形图tornado 龙卷风total sum insured 总保额treaty-limits 合约限额tube structure 筒体结构underwriting policy 承保政策windstorm 风暴险种及险别险种health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance during a period of illness 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险险别Free from Particular Average（F.P.A.）平安险With Particular Average （W.P.A.）水渍险All Risks 一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss) 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，利损险Advance profit预期利润broker经纪人Business Interruption Insurance (BI)营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlement理赔combined ratio综合赔付率Consequential Loss (CL)后果损失Contractor's All Risks (CAR) 建筑工程一切险（建工险）cover保障Delay in completion完工延误EEI电子设备险engineering insurance工程保险Erection All Risks (EAR)安装工程一切险（安工险）excess of loss cover超额赔偿EXL protection超赔保障facultative business临分保IBRNIncurred but not reported losses 已发生但未报的损失IBRN reserveIBRN 储备金indemnity period/limit赔期/期限inflated claim超额索赔insurance capacity承保能力insured property参保物业Kobe神户Lloyd劳合社long-tail长尾Loss of profit利损险Machinery (Breakdown) Insurance 机器（损坏〕险，机损险mail/sub-contractor主/分承包商maintenance保证期multiple claim多次（重复）索赔non-life非寿险officer & director liability雇主保险outstanding claim reserve未决索赔准备金PC industryproperty & catastrophe industry peril危险policy保单pool联营possible maximum loss可能的最大损失premium保费primary insurance company原保公司、主保险商principal/employer业主professional专业险profit margin利润边际property财产险proportional cover比例分保punitive damage惩罚性损害rate费率reinsurer分保人（分保公司）reinsurer再保人reserve准备金retention自留return period（巨灾）间隔期short-tail短尾solvency margin赔偿能力standing charges维持费用subject insured风险标的sum insured保额tarrif zone险区Third Party Liability (TPL)第三者责任险treaties business合同分保turnover营业额underwriting承保working expenses /cost营业费用writing承保非常见专业词汇翻译-保险类nominal premium 名目保费non arrival 未送达；[船]失踪non carrying vessel 非载货船non institute clause 非协会条款non marine {= n.m.} 非海上Non Marine Underwriters Association {= NMA} 劳依兹非海上保险人协会non-admitted company [美国]无执照之保险公司non-compliance with a warranty 未履行保证Non-Contribution Clause 无分摊条款non-delivery {= n.d.; n/d} 未送达；未送交付non-disclosure 未告知non-payment risk 不付款风险non-separation agreement 船货不分开协议non-separation clause 船货不分开条款normal course of transit 正常运送途径normal loss 正常耗损North American Warranty {= BNA Warranty} 北美洲保证条款；北美洲禁区保证not at risk; not on risk; no risk {= n.r.} [保险人]不负责Not calling at British, North American ports or places {= No BNA} 不前往英国、北美港口not exceeding {= n/e; n.e.} 不得超过not specially provided for {= n.s.p.f.} 没有特别规定not to insure clause 无受益条款not under repair {= NUR} 非修理中noted 投保通知notice of abandonment 委付通知notice of assignment 转让通知notice of cancellation 注销通知notice of cancellation at anniversary date {= NCAD} 时间保单到期日「附注」注销通知{拉丁文}notice of delay 迟延通知notification of claim against carrier 对运送人的索赔通知nuclear contamination 核子污染nuclear exclusion 核子危险除外o. cgo. 其它货物；损及被保货物o/o or o/d 甲板上或舱面；见票即付OBA 劳依兹授权海外经纪人{可在海外支付赔款} OBCL 劳依兹任用海外经纪人{但在伦敦支付赔款} objects 船舶以外之物体obligatory 义务obligatory reinsurance 义务再保险oblighe line 优惠承保业务obliteration marks 货物标志消失occurence; one occurrence 单一事件ocean marine insurance 远洋海上保险of a like kind 类似危险事故；见票即付off cover {= o/c}; off risk 停止承保off shore drilling rig; off shore oil drilling rig 外海钻油设备off slip; signer; signing slip; slip 承保条oil contamination; oil pollution 油污oil damage 油污毁损oil drilling rigs 钻油设备omission 漏报Omnibus Clause 通则on a strand [船]搁浅on consignment 抵埠寄售on gross {= OG} 折扣前保险费on net {= o.n.} 折扣後保险费on passage 运送途中on risk 承保中on signed lines 签单责任额on signed lines {= o.s.l.} 在承保额内on the berth 载泊妥待onus of proof of claim [索赔的]举证责任open cover {= o.c.} 预约承保契约open policy {= o.p.} 预约保险单open slip 预报承保单Option Request Form [伦敦保险市场]调查表or as original 或如原保险单ordinary breakage 正常破损ordinary course of transit 正常运送路线ordinary leakage 正常漏损ordinary loss 正常损失ordinary shortage 正常短少origin of goods 货物原产地original {= orig.}; original policy or policies 原保险单original assured 原被保险人original conditions 原保险单承保条件original cover; original slip 原承保条original deductions; original discount 原折扣original gross premium {= o.g.p.}; original net premium {= o.n.p.} 原总保险费original gross premium income {= o.g.p.i.}; original net premium insurance {= o.n.p.i.}; original net rate premium income {= o.n.r.p.i.} 原总保险费收入original gross rate {= o.g.r.}; original net rate {= o.n.r.} 原总保险费率original net premium income {= o.n.p.i.} 原净保险费收入original net rate {= o.n.r.} 原净保险费率original net rate to head office {= o.n.r. to h.o.} 总公司收到original net retained premium income 原净自留保险费收入original open cover 原预约承保契约original rate {= o.r.} 原保险费[率]original term 原保险单条款other cargo 其它货物other perils 其他危险事故other ship's cargo 其它船上货物other ship's engagements 对其它船义务outboard 外档；船体外的；舷外outstanding {= O/S} 未决[赔款]outstanding claims 未决索赔outstanding claims advance {= o.c.a.} 预先提存未决索赔；预先提存未决赔款outstanding claims reserve 未决索赔准备金outstanding liability 待决责任outstanding loss reserve 未决赔款准备金outturn 卸载量outturn report 卸货报告；卸载报告outward port charges 出港手续费{共同海损分担费用之一} outward towage 出港拖船费overall length {= o.a.l.} [船]全长overall measurement {= o.a.} 整体测量overclosing 超额承保over-deck 甲板上overdue market 过期市场overdue ship 失踪或过期船只overlapping insurance 重叠保险overplacing 超额安排{保险}overriding commission {= overrider; o/r; o.r.} 手续佣金；手续费overspill call 因超过再保险契约索赔所徵收之会费overspill claim 超过再保险之索赔overvaluation 高估价值owner's clauses 船东条款owner's declaration 船东申报单owner's interest; shipowner's interest 船东利益owner's repair 船东自费修理owner's survey fees 船东自费检验oxidation 生锈Pacific coast ports {= Pac.} 太平洋海岸港口Pacific Standard Time {= PST} 太平洋标准时间Pacific warranty 太平洋保证特款package insurance 综合保险package policy 综合保险单painting the bottom 油漆船底pair and set clause 配对条款parcel {= pcl.} 包裹parcel post {= p.p.} 邮包parity clause 同等费率条款partial interest 部分利益partial loss {= p/l} 部分损失partial loss of freight 部分运费损失partial loss of goods 部分货物损失partial loss of ship 部分船舶损失partial reparis to shipand unreparied damage 船舶部分条理及未修理毁损particular average {= PA} 单独海损particular average and/or general average loss {= PA and/or GAL} 单独海损及/或共同海损particular average warranty 单独海损保证particular charge {= p/c} 单独费用passager's luggage 旅客行李pauschal prime 预付保费{荷兰语}pay as may be paid 依约照付payable abroad agents 国外理赔代理人付款payment of claims 赔款给付payment of premium 保险费缴付payment order 被保险人授权经纪人代为索赔peak cover 自动承保增值peak location 最高保险金额peak value clause [棉花保险]最高价条款percentage of depreciation 折旧比率peril insured against {= p.i.a.} 承保之危险事故perils of the sea 海上风险；海难事故period; period policy; term policy 定期保险单personal accident {= personal acc.} 人身意外personal injury {= per. inj.; p.i.} 人身伤害perte totale {= p.t.} 全部损失{法语} photocopy slip 承保条影本pickings 挑选pilferage {= pilf.}; theft 偷窃pilotage account [修理帐中之]领港费用pirates 海盗；海上劫夺place of seal {= l.s.} [文书之]盖印处{拉丁文} placer 保险安排人placing 安排保险或保险已安排placing insurance 由经纪人安排保险plain form of policy 标准保险单policy and stamp 保险单及印花税policy assignment 保险单之转让policy conditions 保险单条件policy construction 保险单结构policy exclusion 保险单除外条款policy holder 保险单持有人policy lien 保险单留置权policy proof of interest {= p.p.i.} 保险利益之证明policy signing office 保险单签署处policy terms 保险单条款policy year 保险年度pollution exclusion clause 污染除外条款pollution hazard clause 污染危险条款pool schemes 联营制度pooling retention 船东责任互保协会联营组织之保留金额port area 港口区port dues {= p.d.} 港捐port of distress {= p.o.d.} 遇难港Port of Lodon Authority {= PLA} 伦敦港务局port of registry 船藉港port risk insurance 港口危险之保险port risks or pro rata {= PR or p.r.} 港口危险或比例port to port 港口至港口portage 修船期间看守人员费用portage account 修船帐中之看守人员费用portfolio 未满期保险业务；再保险业务portfolio transfer 未满期保险业务之转移Ports and Waterways Safety Act, 1972-USA {= P & WSA} 美国1972年港口及水路安全法ports in the gulf of Mexico {= gulf ports} 墨西哥湾港口possible maximum loss {= p.m.l.} 可能之最大损失post entry 进口补报关post missing 公告失踪practice 操作；实务pre-exemption 优先购买权premium advice note {= p.a.n.} 保险费通知单premium reducing 保险费递减premium reserve 保险费准备金premium to be arranged 保险费待议定premium transfer 保险费移转prepaid {= ppd.} 预付presrerving from loss 防止损失prevention of loss 损失之预防primary reinsurance clause 原始再保险条款private pleasure purposes 专供私人娱乐之用private wording scheme 特殊承保制度proceeds 销货收入proceeds to be accounted for {= proceeds t.b.a.f.} 可计算之销货收入professional packed warranty 专业包装保证professional packing 专业包装profit 利润profit commission {= p/c; PROF COM.; prof. com} 盈余佣金proof of loss 损失证明property damage {= p.d.} 财产损失proposer 要保人proprietary rights 所有权益prosecution of a voyage 航程开始protection and indemnity club {= P & I Club} 防护及补偿协会{又称船东责任互保协会}Protection and Indemnity risks {= P & I risks} 防护及补偿危险proximate cause 近因[原则]pseudenym 代号public liability {= p.l.} 公共责任pure indemnity 净赔偿{不定值保单}putrefaction; putrification 腐烂qualiftying category 危险分类quantitative and qualitative control 货物足量完好送达後支付余款quantum of interest 受抵押人与财产所有权人保险利益之分隔quay port 直接卸货港quay to quay 码头至码头quota share reinsurance 比例再保险R Form 劳依兹保险市场加拿大币交易单r/i closing form 再保险承保单r/i or direct 再保险或直接保险r/i order form 再保险要保书r/i treaty standard slip 再保险合约标准承保条Racing Risks Extension Clause 赛艇危险延展条款radioactive contamination 幅射污染ranging 船靠船转货rate to be agreed {= r.t.b.a.} 费率待议定Raw Sugar Clause 粗糖条款realised amounts 销货额reasonable cost of repair 合理之修理费用reasonable despatch clause 合理快速条款reassurance; reinsurance {= r/i} 再保险reassured {= REASSD; reassd}; reinsured 被再保险人reassurer; reinsurer 再保险人rebate 保险费折扣receipt on the policy 保险单中保险费收讫之文字reciprocity 交换业务；互惠业务reconditioning cargo 货物重整理；货物重包装reconditioning charges 重整理费用records 记录recover form underwriters 保险赔偿recovery 追偿recovery agent 追偿代理人recovery from a carrier 向运送人追偿red line clause 红字条款reducing insurer's liability 减轻保险人责任refund; refund of claim 退还赔款registry certificate 船籍登记证书REINSD or reinsd 原保险人reinstatement {= reinst.} 自动恢复原保额reinsurance clause 再保险条款reinsurance common account {= r.i.c.c.}; reinsurance of joint account {= r.o.j.a.} 再保险共同帐户reinsurance of cargo 货物再保险reinsurance of hull 船舶再保险reinsurance offices Association {= ROA} 再保险公司协会reinsurance treaty 再保险合约reinsurance waiver clause 再保险加费或退费放弃条款rejection of abandonment 推绝委付release call 解约会费release of reserve 冲还准备金release to true Sterling 按以英磅汇率冲帐reloading cargo at p.o.r. {port of refuge} 货物在避难港重新装运remaining on board {= r.o.b.} 船上余留货物remedy against third parties 向第三者追偿removal ashore clause 搬移至岸上条款removal of ship for repairs 移动船舶修理removal of wreck {i.f.v.c.} 搬移残骸{用於渔船保险}removal of wreck extension 搬移残骸延展承保{用於游艇保险} renewal not required {= r.n.r.} 未申请续保renewal notice 续保通知书renewal sheet 续保通知表repacking 重新包装repair accounts 修理费用帐repair specification 修理说明书repairs to ship 船舶修理费replacement clause 重置条款replacement of machinery 机器重置reporting form basis 保额通知基础epresentation 陈述request form 查询表res nullius {nobody's responsibility} 无人负责任{拉丁} reserve account 准备金帐户re-signing addendum 重新签置之附录restraints 禁止retained line 自留业务retention 自留额retention table 自留限额表retiring from a line 不愿续保或注销责任额retroactive; retrospective 有追溯力的retrocedant 分出转再保险人retrocede 转再保险retrocession 转再保险业务retrocessionaire 接受转再保险人return by agreement 双方协议退费return for no claim 无赔款退费return for non-attachment 保险未生效退费return of premium {= r.p.}; returns {= ret.} 退还保险费Returns Bureau 退费核定局returns clause {ACV} 退费条款{气垫船}right of contribution 分摊责任right of insurance against carrier 保险人对运送人之追偿权right of recovery 追偿权rights of carrier 运送人免责权rights of subrogation; subrogation 代位求偿权rights to take tenders 招标权riots and civil commotions {= RSCC; r.s.c.c.} 暴动及民众骚扰rising market 涨价之市场risk 危险rotation clause 轮保条款round voyage 往返航程rubber clause 橡胶保险条款Rubber Trade Association Clause {= RTA CL.} 橡胶贸易协会条款rudder clause 船舵等不保条款rules for construction of policy 保单解释规则rules of practice 实务规则run off 满期为止running days 连续日期running landing numbers {= r.l.n.} 卸载顺序Russian Register of Shipping 俄国验船协会rye terms {= r.t.} 裸麦保险条件s/a l/u 俟承诺并通知首席保险人後生效sabotage 恶意破坏行为sabotage to ship 对船舶之恶意破坏sacrifice 牺牲safely landed 安全卸货sailed as per list {= s.a.p.l.} 依据时间表开航；劳依兹日报公告船期sailing card 船期通知卡sailing warranty 航行保证sale charges; sale fees 销售费用sale of vessel 船舶出售sale of vessel clause 船舶出售条款sale terms 销售条件sales contract 销售契约salvage {= s} [海难]救助；打捞；救助报酬salvage agreement 救助协议salvage and recovery clause 救助及追偿条款salvage association {= SA} 救助协会salvage association account {= SA a/c} 救助协会帐户salvage guarantee 救助保证salvage loss {= s.l.} 救助损失salvage property 经施救而保全之财产salvor's lien 救助留置权saving human life 海上人命救助scale of rates 保护费率表schedule to the Act [英国]海上保险法之附表scraping the bottom 清除船底scratching 擦损油漆之危险sea water damage {= SWD; s.w.d.} 海水损害seaworthiness admitted clause 适航能力承认条款seaworthy ship 适航船舶second hand machinery 二手货机器；旧机器second hand replacement clause 二手货机器重置条款；旧机器重置条款second leaving 第二次发送security 安全保证seen 已看过self insured 自己保险seller's interest 卖方利益semester 半年semi-submersible rig 半潜式钻油平台sentimental loss 推断损失separate value 分项保险金额separation box 保险费入帐通知分类箱separation procedure 保险费入帐分类程序service in the nature of salvage 救助服务service of suit {= s.o.s.} 诉讼服务settlement calender 理赔处理日期表settlement date 理赔日期settlement of claims abroad {= s.c.a.} 国外索赔；海外理赔处理settlement option 赔款选择settlement statement 理赔明细表several ports of discharge 多个卸货港ship and goods {= s.g.} 船舶及货物ship owner's liability {= s.o.l.}; shipowner's liability 船东责任ship repairer's liability {= s.r.l.; s.r. liab.} 船舶承修责任shipbuilding codes 船舶种类代码shipowner's liability to cargo 船东对货物之责任shipowner's lien 船东留置权。
保险专业词汇英汉对照1
保险专业词汇英汉对照acceptance policy 核保政策accounting period 结算期aggregate limit 累积限额aggregated loss 累积损失antiselection 逆选择ART (Alternative Risk Transfer) 新型风险转移balance 所欠款项barrages 堰坝captive pools 自保组合catastrophe risk 巨灾风险ceiding company 分出公司cession limit 分保限额claim-prone 容易出险claims assistance 理赔协助clean cut 结清方式coinsurance 共保commencement and termination 起讫cover 承保cover 责任额deposit premium 预付保费destroyed 毁坏earth caves 土坏房屋EPAevent limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款exclusion 除外责任exposed areas 风险承受区域facultative reinsurance 临时分保fault zone 断层区finite risk 有限制的风险flash floods 骤发洪水flooding of rivers 洪水泛滥frame structure 框架结构full coverage 全额承保full insurance value 足额保险价值full liability 全部责任Geophysics Institute 地球物理研究所GNPI 总净保费收入hailstorm 雹暴heavy damage 严重破坏hollow brick wall 空斗砖结构hour clause 小时条款hurricane 飓风individual losses 单一损失insurability 可保性insured losses 保险损失intensity 烈度layering 层次less exposed 损失可能性小liability 责任light damage 轻度破坏line slips 分保条loading 附加费loss occurrence 损失发生loss occurring basis 损失发生基础loss participation 分担损失loss settlement 损失赔付magnitude 震级malicious damage 恶意损害moderate damage 中度破坏multi-story building 多层建建筑Munich Re 慕尼黑再net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例再保险notification 告知object 标的obligatory reinsurance 固定分保original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险PICC Re 中保再placement 安排PML 可能最大损失policyholder 保单持有者pool 共保组合portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐premium 保费previous losses 既往损失priority 分保自留额priority 自付责任proportional reinsurance 比例再保险rainstorm 雨暴rating 费率reinforced concrete building 钢筋混凝土建筑reinstatement 恢复保额reinsured 分出公司reinsurer 再保险人retention 自留额retention areas 滞洪区return period 重现期revoke license 吊销营业执照seaquake 海震second event cover 第二事件承保securitization 证券化seismic demage 震害set-off 抵销shear wall structure 剪力墙结构single 险位超赔spread loss 分散风险stop loss 赔付率超赔storm surges 风暴潮susceptibility of goods to water 易受水浸性tarrif 费率表TG 拐点周期tidal wave 海啸topographic map 地形图tornado 龙卷风total sum insured 总保额treaty-limits 合约限额tube structure 筒体结构underwriting policy 承保政策windstorm 风暴险种及险别险种health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance during a period of illness 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险险别Free from Particular Average（F.P.A.）平安险With Particular Average （W.P.A.）水渍险All Risks 一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss) 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，利损险Advance profit预期利润broker经纪人Business Interruption Insurance (BI)营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlement理赔combined ratio综合赔付率Consequential Loss (CL)后果损失Contractor's All Risks (CAR) 建筑工程一切险（建工险）cover保障Delay in completion完工延误EEI电子设备险engineering insurance工程保险Erection All Risks (EAR)安装工程一切险（安工险）excess of loss cover超额赔偿EXL protection超赔保障facultative business临分保IBRNIncurred but not reported losses 已发生但未报的损失IBRN reserveIBRN 储备金indemnity period/limit赔期/期限inflated claim超额索赔insurance capacity承保能力insured property参保物业Kobe神户Lloyd劳合社long-tail长尾Loss of profit利损险Machinery (Breakdown) Insurance 机器（损坏〕险，机损险mail/sub-contractor主/分承包商maintenance保证期multiple claim多次（重复）索赔non-life非寿险officer & director liability雇主保险outstanding claim reserve未决索赔准备金PC industryproperty & catastrophe industry peril危险policy保单pool联营possible maximum loss可能的最大损失premium保费primary insurance company原保公司、主保险商principal/employer业主professional专业险profit margin利润边际property财产险proportional cover比例分保punitive damage惩罚性损害rate费率reinsurer分保人（分保公司）reinsurer再保人reserve准备金retention自留return period（巨灾）间隔期short-tail短尾solvency margin赔偿能力standing charges维持费用subject insured风险标的sum insured保额tarrif zone险区Third Party Liability (TPL)第三者责任险treaties business合同分保turnover营业额underwriting承保working expenses /cost营业费用writing承保非常见专业词汇翻译-保险类nominal premium 名目保费non arrival 未送达；[船]失踪non carrying vessel 非载货船non institute clause 非协会条款non marine {= n.m.} 非海上Non Marine Underwriters Association {= NMA} 劳依兹非海上保险人协会non-admitted company [美国]无执照之保险公司non-compliance with a warranty 未履行保证Non-Contribution Clause 无分摊条款non-delivery {= n.d.; n/d} 未送达；未送交付non-disclosure 未告知non-payment risk 不付款风险non-separation agreement 船货不分开协议non-separation clause 船货不分开条款normal course of transit 正常运送途径normal loss 正常耗损North American Warranty {= BNA Warranty} 北美洲保证条款；北美洲禁区保证not at risk; not on risk; no risk {= n.r.} [保险人]不负责Not calling at British, North American ports or places {= No BNA} 不前往英国、北美港口not exceeding {= n/e; n.e.} 不得超过not specially provided for {= n.s.p.f.} 没有特别规定not to insure clause 无受益条款not under repair {= NUR} 非修理中noted 投保通知notice of abandonment 委付通知notice of assignment 转让通知notice of cancellation 注销通知notice of cancellation at anniversary date {= NCAD} 时间保单到期日「附注」注销通知{拉丁文}notice of delay 迟延通知notification of claim against carrier 对运送人的索赔通知nuclear contamination 核子污染nuclear exclusion 核子危险除外o. cgo. 其它货物；损及被保货物o/o or o/d 甲板上或舱面；见票即付OBA 劳依兹授权海外经纪人{可在海外支付赔款} OBCL 劳依兹任用海外经纪人{但在伦敦支付赔款} objects 船舶以外之物体obligatory 义务obligatory reinsurance 义务再保险oblighe line 优惠承保业务obliteration marks 货物标志消失occurence; one occurrence 单一事件ocean marine insurance 远洋海上保险of a like kind 类似危险事故；见票即付off cover {= o/c}; off risk 停止承保off shore drilling rig; off shore oil drilling rig 外海钻油设备off slip; signer; signing slip; slip 承保条oil contamination; oil pollution 油污oil damage 油污毁损oil drilling rigs 钻油设备omission 漏报Omnibus Clause 通则on a strand [船]搁浅on consignment 抵埠寄售on gross {= OG} 折扣前保险费on net {= o.n.} 折扣後保险费on passage 运送途中on risk 承保中on signed lines 签单责任额on signed lines {= o.s.l.} 在承保额内on the berth 载泊妥待onus of proof of claim [索赔的]举证责任open cover {= o.c.} 预约承保契约open policy {= o.p.} 预约保险单open slip 预报承保单Option Request Form [伦敦保险市场]调查表or as original 或如原保险单ordinary breakage 正常破损ordinary course of transit 正常运送路线ordinary leakage 正常漏损ordinary loss 正常损失ordinary shortage 正常短少origin of goods 货物原产地original {= orig.}; original policy or policies 原保险单original assured 原被保险人original conditions 原保险单承保条件original cover; original slip 原承保条original deductions; original discount 原折扣original gross premium {= o.g.p.}; original net premium {= o.n.p.} 原总保险费original gross premium income {= o.g.p.i.}; original net premium insurance {= o.n.p.i.}; original net rate premium income {= o.n.r.p.i.} 原总保险费收入original gross rate {= o.g.r.}; original net rate {= o.n.r.} 原总保险费率original net premium income {= o.n.p.i.} 原净保险费收入original net rate {= o.n.r.} 原净保险费率original net rate to head office {= o.n.r. to h.o.} 总公司收到original net retained premium income 原净自留保险费收入original open cover 原预约承保契约original rate {= o.r.} 原保险费[率]original term 原保险单条款other cargo 其它货物other perils 其他危险事故other ship's cargo 其它船上货物other ship's engagements 对其它船义务outboard 外档；船体外的；舷外outstanding {= O/S} 未决[赔款]outstanding claims 未决索赔outstanding claims advance {= o.c.a.} 预先提存未决索赔；预先提存未决赔款outstanding claims reserve 未决索赔准备金outstanding liability 待决责任outstanding loss reserve 未决赔款准备金outturn 卸载量outturn report 卸货报告；卸载报告outward port charges 出港手续费{共同海损分担费用之一} outward towage 出港拖船费overall length {= o.a.l.} [船]全长overall measurement {= o.a.} 整体测量overclosing 超额承保over-deck 甲板上overdue market 过期市场overdue ship 失踪或过期船只overlapping insurance 重叠保险overplacing 超额安排{保险}overriding commission {= overrider; o/r; o.r.} 手续佣金；手续费overspill call 因超过再保险契约索赔所徵收之会费overspill claim 超过再保险之索赔overvaluation 高估价值owner's clauses 船东条款owner's declaration 船东申报单owner's interest; shipowner's interest 船东利益owner's repair 船东自费修理owner's survey fees 船东自费检验oxidation 生锈Pacific coast ports {= Pac.} 太平洋海岸港口Pacific Standard Time {= PST} 太平洋标准时间Pacific warranty 太平洋保证特款package insurance 综合保险package policy 综合保险单painting the bottom 油漆船底pair and set clause 配对条款parcel {= pcl.} 包裹parcel post {= p.p.} 邮包parity clause 同等费率条款partial interest 部分利益partial loss {= p/l} 部分损失partial loss of freight 部分运费损失partial loss of goods 部分货物损失partial loss of ship 部分船舶损失partial reparis to shipand unreparied damage 船舶部分条理及未修理毁损particular average {= PA} 单独海损particular average and/or general average loss {= PA and/or GAL} 单独海损及/或共同海损particular average warranty 单独海损保证particular charge {= p/c} 单独费用passager's luggage 旅客行李pauschal prime 预付保费{荷兰语}pay as may be paid 依约照付payable abroad agents 国外理赔代理人付款payment of claims 赔款给付payment of premium 保险费缴付payment order 被保险人授权经纪人代为索赔peak cover 自动承保增值peak location 最高保险金额peak value clause [棉花保险]最高价条款percentage of depreciation 折旧比率peril insured against {= p.i.a.} 承保之危险事故perils of the sea 海上风险；海难事故period; period policy; term policy 定期保险单personal accident {= personal acc.} 人身意外personal injury {= per. inj.; p.i.} 人身伤害perte totale {= p.t.} 全部损失{法语} photocopy slip 承保条影本pickings 挑选pilferage {= pilf.}; theft 偷窃pilotage account [修理帐中之]领港费用pirates 海盗；海上劫夺place of seal {= l.s.} [文书之]盖印处{拉丁文} placer 保险安排人placing 安排保险或保险已安排placing insurance 由经纪人安排保险plain form of policy 标准保险单policy and stamp 保险单及印花税policy assignment 保险单之转让policy conditions 保险单条件policy construction 保险单结构policy exclusion 保险单除外条款policy holder 保险单持有人policy lien 保险单留置权policy proof of interest {= p.p.i.} 保险利益之证明policy signing office 保险单签署处policy terms 保险单条款policy year 保险年度pollution exclusion clause 污染除外条款pollution hazard clause 污染危险条款pool schemes 联营制度pooling retention 船东责任互保协会联营组织之保留金额port area 港口区port dues {= p.d.} 港捐port of distress {= p.o.d.} 遇难港Port of Lodon Authority {= PLA} 伦敦港务局port of registry 船藉港port risk insurance 港口危险之保险port risks or pro rata {= PR or p.r.} 港口危险或比例port to port 港口至港口portage 修船期间看守人员费用portage account 修船帐中之看守人员费用portfolio 未满期保险业务；再保险业务portfolio transfer 未满期保险业务之转移Ports and Waterways Safety Act, 1972-USA {= P & WSA} 美国1972年港口及水路安全法ports in the gulf of Mexico {= gulf ports} 墨西哥湾港口possible maximum loss {= p.m.l.} 可能之最大损失post entry 进口补报关post missing 公告失踪practice 操作；实务pre-exemption 优先购买权premium advice note {= p.a.n.} 保险费通知单premium reducing 保险费递减premium reserve 保险费准备金premium to be arranged 保险费待议定premium transfer 保险费移转prepaid {= ppd.} 预付presrerving from loss 防止损失prevention of loss 损失之预防primary reinsurance clause 原始再保险条款private pleasure purposes 专供私人娱乐之用private wording scheme 特殊承保制度proceeds 销货收入proceeds to be accounted for {= proceeds t.b.a.f.} 可计算之销货收入professional packed warranty 专业包装保证professional packing 专业包装profit 利润profit commission {= p/c; PROF COM.; prof. com} 盈余佣金proof of loss 损失证明property damage {= p.d.} 财产损失proposer 要保人proprietary rights 所有权益prosecution of a voyage 航程开始protection and indemnity club {= P & I Club} 防护及补偿协会{又称船东责任互保协会}Protection and Indemnity risks {= P & I risks} 防护及补偿危险proximate cause 近因[原则]pseudenym 代号public liability {= p.l.} 公共责任pure indemnity 净赔偿{不定值保单}putrefaction; putrification 腐烂qualiftying category 危险分类quantitative and qualitative control 货物足量完好送达後支付余款quantum of interest 受抵押人与财产所有权人保险利益之分隔quay port 直接卸货港quay to quay 码头至码头quota share reinsurance 比例再保险R Form 劳依兹保险市场加拿大币交易单r/i closing form 再保险承保单r/i or direct 再保险或直接保险r/i order form 再保险要保书r/i treaty standard slip 再保险合约标准承保条Racing Risks Extension Clause 赛艇危险延展条款radioactive contamination 幅射污染ranging 船靠船转货rate to be agreed {= r.t.b.a.} 费率待议定Raw Sugar Clause 粗糖条款realised amounts 销货额reasonable cost of repair 合理之修理费用reasonable despatch clause 合理快速条款reassurance; reinsurance {= r/i} 再保险reassured {= REASSD; reassd}; reinsured 被再保险人reassurer; reinsurer 再保险人rebate 保险费折扣receipt on the policy 保险单中保险费收讫之文字reciprocity 交换业务；互惠业务reconditioning cargo 货物重整理；货物重包装reconditioning charges 重整理费用records 记录recover form underwriters 保险赔偿recovery 追偿recovery agent 追偿代理人recovery from a carrier 向运送人追偿red line clause 红字条款reducing insurer's liability 减轻保险人责任refund; refund of claim 退还赔款registry certificate 船籍登记证书REINSD or reinsd 原保险人reinstatement {= reinst.} 自动恢复原保额reinsurance clause 再保险条款reinsurance common account {= r.i.c.c.}; reinsurance of joint account {= r.o.j.a.} 再保险共同帐户reinsurance of cargo 货物再保险reinsurance of hull 船舶再保险reinsurance offices Association {= ROA} 再保险公司协会reinsurance treaty 再保险合约reinsurance waiver clause 再保险加费或退费放弃条款rejection of abandonment 推绝委付release call 解约会费release of reserve 冲还准备金release to true Sterling 按以英磅汇率冲帐reloading cargo at p.o.r. {port of refuge} 货物在避难港重新装运remaining on board {= r.o.b.} 船上余留货物remedy against third parties 向第三者追偿removal ashore clause 搬移至岸上条款removal of ship for repairs 移动船舶修理removal of wreck {i.f.v.c.} 搬移残骸{用於渔船保险}removal of wreck extension 搬移残骸延展承保{用於游艇保险} renewal not required {= r.n.r.} 未申请续保renewal notice 续保通知书renewal sheet 续保通知表repacking 重新包装repair accounts 修理费用帐repair specification 修理说明书repairs to ship 船舶修理费replacement clause 重置条款replacement of machinery 机器重置reporting form basis 保额通知基础epresentation 陈述request form 查询表res nullius {nobody's responsibility} 无人负责任{拉丁} reserve account 准备金帐户re-signing addendum 重新签置之附录restraints 禁止retained line 自留业务retention 自留额retention table 自留限额表retiring from a line 不愿续保或注销责任额retroactive; retrospective 有追溯力的retrocedant 分出转再保险人retrocede 转再保险retrocession 转再保险业务retrocessionaire 接受转再保险人return by agreement 双方协议退费return for no claim 无赔款退费return for non-attachment 保险未生效退费return of premium {= r.p.}; returns {= ret.} 退还保险费Returns Bureau 退费核定局returns clause {ACV} 退费条款{气垫船}right of contribution 分摊责任right of insurance against carrier 保险人对运送人之追偿权right of recovery 追偿权rights of carrier 运送人免责权rights of subrogation; subrogation 代位求偿权rights to take tenders 招标权riots and civil commotions {= RSCC; r.s.c.c.} 暴动及民众骚扰rising market 涨价之市场risk 危险rotation clause 轮保条款round voyage 往返航程rubber clause 橡胶保险条款Rubber Trade Association Clause {= RTA CL.} 橡胶贸易协会条款rudder clause 船舵等不保条款rules for construction of policy 保单解释规则rules of practice 实务规则run off 满期为止running days 连续日期running landing numbers {= r.l.n.} 卸载顺序Russian Register of Shipping 俄国验船协会rye terms {= r.t.} 裸麦保险条件s/a l/u 俟承诺并通知首席保险人後生效sabotage 恶意破坏行为sabotage to ship 对船舶之恶意破坏sacrifice 牺牲safely landed 安全卸货sailed as per list {= s.a.p.l.} 依据时间表开航；劳依兹日报公告船期sailing card 船期通知卡sailing warranty 航行保证sale charges; sale fees 销售费用sale of vessel 船舶出售sale of vessel clause 船舶出售条款sale terms 销售条件sales contract 销售契约salvage {= s} [海难]救助；打捞；救助报酬salvage agreement 救助协议salvage and recovery clause 救助及追偿条款salvage association {= SA} 救助协会salvage association account {= SA a/c} 救助协会帐户salvage guarantee 救助保证salvage loss {= s.l.} 救助损失salvage property 经施救而保全之财产salvor's lien 救助留置权saving human life 海上人命救助scale of rates 保护费率表schedule to the Act [英国]海上保险法之附表scraping the bottom 清除船底scratching 擦损油漆之危险sea water damage {= SWD; s.w.d.} 海水损害seaworthiness admitted clause 适航能力承认条款seaworthy ship 适航船舶second hand machinery 二手货机器；旧机器second hand replacement clause 二手货机器重置条款；旧机器重置条款second leaving 第二次发送security 安全保证seen 已看过self insured 自己保险seller's interest 卖方利益semester 半年semi-submersible rig 半潜式钻油平台sentimental loss 推断损失separate value 分项保险金额separation box 保险费入帐通知分类箱separation procedure 保险费入帐分类程序service in the nature of salvage 救助服务service of suit {= s.o.s.} 诉讼服务settlement calender 理赔处理日期表settlement date 理赔日期settlement of claims abroad {= s.c.a.} 国外索赔；海外理赔处理settlement option 赔款选择settlement statement 理赔明细表several ports of discharge 多个卸货港ship and goods {= s.g.} 船舶及货物ship owner's liability {= s.o.l.}; shipowner's liability 船东责任ship repairer's liability {= s.r.l.; s.r. liab.} 船舶承修责任shipbuilding codes 船舶种类代码shipowner's liability to cargo 船东对货物之责任shipowner's lien 船东留置权。
保险业常用词汇中英文对照备课讲稿
保险业常用词汇中英文对照第一部分：保险承保业务1、一般保险原理保险insurance保险业insurance industry保险业务结构business structures保险业主体bodies in Insurance Industry被保险人insured理赔claim settlement承保利润微薄underwriting profit is slight承保能力insurance capacity承保业务underwriting operation未决赔款储备金reserve IBRN大数法则Law of Large Numbers营业额turnover市场缺陷market imperfections社会保险social insurance个人代理人personal agent银行保险bank insurance直销straight pin佣金brokerage手续费commission charges再保险reinsurance2、财产保险财产保险property insurance长尾long－tail长期护理保险long—term care insurance短尾short－tail综合赔付率combined ratio自留retention车险auto insurance财产保险property insurance责任保险liability insurance农业保险agricultural insurance巨灾保险catastrophe insurance意外伤害保险casualty accident insurance3、寿险词汇变额寿险variable life insurance长寿保险insurance on last survivor定期寿险term insurance合同储蓄机构contractual saving institutions红利dividend疾病保险sickness insurance简易险industrial insurance健康保险health insurance巨额医药费保险major medical" insurance policy可变保费寿险flexible—premium life insurance利差损interest spread risk利率敏感型产品interest—sensitive whole life赔期/期限indemnity period/limit普通寿险ordinary life insurance人寿保险life insurance预定利率市场化Market-based Assumed Interest Rate 团险group insurance限期缴费终身寿险limited—payment whole life insurance 养老保险endowment insurance医疗保险insurance for medical care医疗费用保险medical expense insurance终身寿险whole life insurance准备金reserve伤残收入保险disability income insurance失能incapacity可变万能寿险Variable-universal life insurance可变年金Variable annuity评估价值Appraisal Value内含价值Embeded Value新业务价值Value of New Business税收优惠tax break税收递延型养老保险Deferred tax endowment insurance大病医疗保险Large quantity medical insurance分红保险Participating Insurance传统保险traditional insurance理财型保险 financial planning oriented insurance 投资连结寿险unit—linked life insurance4、保险偿付能力风险资本要求risk—based capital固定最低成本要求fixed minimum capital requirement保险偿付能力监管insurance solvency regulation保险监管信息系统Insurance Regulatory Information System 财务分析跟踪系统Financial Analysis Tracking System偿付能力 Solvency偿付能力不足 insolvent认可资产 admissible assets第二部分保险资产管理1、行业主体和监管保险资产管理insurance asset management保险法insurance law保险资产管理公司insurance asset management company中国人保集团People's Insurance Company of China(简称PICC)中国人保资产管理公司PICC Asset Management Company Limited慕尼黑再保险资产管理公司Munich ERGO Asset Management GmbH（简称MEAG）中国保监会China Insurance Regulatory Commission（简称CIRC）保险投资“新政”innovation policies in insurance investment可投资资产investable asset投资公司法案Investment Company Act2、委托受托关系委托人client受托人trustee委托管理mandate绝对收益absolute return相对收益relative return3、组合管理大类资产配置assets allocation战略资产配置Strategic Assets Allocation（简称SAA）战术资产配置Tactic Assets Allocation（简称TAA）流动性管理liquidity management资产负债管理Asset-Liability Management（简称ALM）久期匹配duration matching现金流匹配cash flow matching一般账户general account独立账户separate account4、类别投资固定收益投资fixed-income investment持有到期类资产held-to-maturity asset交易类资产trading asset可供出售类资产asset available for sale股票投资equity investment基金投资fund investment另类投资alternative investment境外投资overseas investment基础设施债权计划infrastructure debt investment plan 未上市企业股权投资private equity investment不动产投资real estate investment利率互换Interest Rate Swap（简称IRS）均值一方差分析the mean-variance method5、第三方业务财富管理wealth management第三方投资管理the third-party asset management企业年金occupational annuity养老金pension集合投资产品collective investment fund。
保险业常用词汇中英文对照
保险业常用词汇中英文对照第一部分：保险承保业务1、一般保险原理保险insurance保险业insuranceindustry保险业务结构businessstructures保险业主体bodiesinInsuranceIndustry被保险人insured理赔claimsettlement承保利润微薄underwritingprofitisslight承保能力insurancecapacity承保业务underwritingoperation未决赔款储备金reserveIBRN大数法则LawofLargeNumbers营业额turnover市场缺陷marketimperfections社会保险socialinsurance个人代理人personalagent银行保险bankinsurance直销straightpin佣金brokerage手续费commissioncharges再保险reinsurance2、财产保险财产保险propertyinsurance长尾long－tail长期护理保险long—termcareinsurance短尾short－tail综合赔付率combinedratio自留retention车险autoinsurance财产保险propertyinsurance责任保险liabilityinsurance农业保险agriculturalinsurance巨灾保险catastropheinsurance意外伤害保险casualtyaccidentinsurance3、寿险词汇变额寿险variablelifeinsurance长寿保险insuranceonlastsurvivor定期寿险terminsurance合同储蓄机构contractualsavinginstitutions红利dividend疾病保险sicknessinsurance简易险industrialinsurance健康保险healthinsurance巨额医药费保险majormedical"insurancepolicy可变保费寿险flexible—premiumlifeinsurance利差损interestspreadrisk利率敏感型产品interest—sensitivewholelife赔期/期限indemnityperiod/limit普通寿险ordinarylifeinsurance人寿保险lifeinsurance预定利率市场化Market-basedAssumedInterestRate团险groupinsurance限期缴费终身寿险limited—paymentwholelifeinsurance 养老保险endowmentinsurance医疗保险insuranceformedicalcare医疗费用保险medicalexpenseinsurance终身寿险wholelifeinsurance准备金reserve伤残收入保险disabilityincomeinsurance失能incapacity可变万能寿险Variable-universallifeinsurance可变年金Variableannuity评估价值AppraisalValue内含价值EmbededValue新业务价值ValueofNewBusiness税收优惠taxbreak税收递延型养老保险Deferredtaxendowmentinsurance大病医疗保险Largequantitymedicalinsurance分红保险ParticipatingInsurance传统保险traditionalinsurance理财型保险financialplanningorientedinsurance投资连结寿险unit—linkedlifeinsurance4、保险偿付能力风险资本要求risk—basedcapital固定最低成本要求fixedminimumcapitalrequirement保险偿付能力监管insurancesolvencyregulation保险监管信息系统InsuranceRegulatoryInformationSystem财务分析跟踪系统FinancialAnalysisTrackingSystem偿付能力Solvency偿付能力不足insolvent认可资产admissibleassets第二部分保险资产管理1、行业主体和监管保险资产管理insuranceassetmanagement保险法insurancelaw保险资产管理公司insuranceassetmanagementcompany中国人保集团People'sInsuranceCompanyofChina(简称PICC) 中国人保资产管理公司PICCAssetManagementCompanyLimited 慕尼黑再保险资产管理公司MunichERGOAssetManagementGmbH （简称MEAG）中国保监会ChinaInsuranceRegulatoryCommission（简称CIRC）保险投资“新政”innovationpoliciesininsuranceinvestment 可投资资产investableasset投资公司法案InvestmentCompanyAct2、委托受托关系委托人client受托人trustee委托管理mandate绝对收益absolutereturn相对收益relativereturn3、组合管理大类资产配置assetsallocation战略资产配置StrategicAssetsAllocation（简称SAA）战术资产配置TacticAssetsAllocation（简称TAA）流动性管理liquiditymanagement资产负债管理Asset-LiabilityManagement（简称ALM）久期匹配durationmatching现金流匹配cashflowmatching一般账户generalaccount独立账户separateaccount4、类别投资固定收益投资fixed-incomeinvestment持有到期类资产held-to-maturityasset交易类资产tradingasset可供出售类资产assetavailableforsale股票投资equityinvestment基金投资fundinvestment另类投资alternativeinvestment境外投资overseasinvestment基础设施债权计划infrastructuredebtinvestmentplan 未上市企业股权投资privateequityinvestment不动产投资realestateinvestment利率互换InterestRateSwap（简称IRS）均值一方差分析themean-variancemethod5、第三方业务财富管理wealthmanagement第三方投资管理thethird-partyassetmanagement企业年金occupationalannuity养老金pension集合投资产品collectiveinvestmentfund。
常用保险术语(中英对照版本).
常用保险术语保险费率 premium rate单位保险金额应该收取的保险费。
损失 loss非故意的、非预期的和非计划的经济价值的减少或灭失。
通常分为直接损失和间接损失。
损失程度 loss severity保险标的可能遭受的损失的严重程度。
直接损失 direct loss由风险事故导致的财产本身的损失。
间接损失 indirect loss由直接损失引起的额外费用损失、收入损失和责任损失等无形损失。
保险 insurance投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。
财产保险 property insurance以财产及其有关利益为保险标的的保险。
企业财产保险 commercial property insurance以单位、团体所有或占有的在指定地点的财产及其有关利益为保险标的的财产保险。
营业中断保险 business interruption insurance以单位因停产、停业或经营受影响而面临的预期利润的减少及必要的费用支出为保险标的的财产保险。
机器损坏保险 machinery breakdown insurance以各类已安装完毕并投入运行的机器为保险标的财产保险。
货物运输保险 cargo insurance以运输途中的货物为保险标的保险。
海上货物运输保险 ocean marine cargo insurance以通过海上运输方式运输的货物作为保险标的的保险。
陆上货物运输保险 inland transit insurance以通过陆上运输方式运输的货物为保险标的的保险。
航空货物运输保险 air cargo insurance以通过航空运输方式运输的货物为保险标的的保险。
工程保险 engineering insurance;project insurance以工程项目中的财产及其赔偿责任为保险标的的保险。
保险业常用词汇中英文对照
【下载本文档，可以自由复制内容或自由编辑修改内容，更多精彩文章，期待你的好评和关注，我将一如既往为您服务】保险业常用词汇中英文对照第一部分：保险承保业务1、一般保险原理保险insurance保险业insurance industry保险业务结构business structures保险业主体bodies in Insurance Industry被保险人insured理赔claim settlement承保利润微薄underwriting profit is slight承保能力insurance capacity承保业务underwriting operation未决赔款储备金reserve IBRN大数法则Law of Large Numbers营业额turnover市场缺陷market imperfections社会保险social insurance个人代理人personal agent银行保险bank insurance直销straight pin佣金brokerage手续费commission charges再保险reinsurance.2、财产保险财产保险property insurance长尾long－tail长期护理保险long—term care insurance短尾short－tail综合赔付率combined ratio自留retention车险auto insurance财产保险property insurance责任保险liability insurance农业保险agricultural insurance巨灾保险catastrophe insurance意外伤害保险casualty accident insurance3、寿险词汇变额寿险variable life insurance长寿保险insurance on last survivor定期寿险term insurance合同储蓄机构contractual saving institutions红利dividend疾病保险sickness insurance简易险industrial insurance健康保险health insurance巨额医药费保险major medical" insurance policy可变保费寿险flexible—premium life insurance利差损interest spread risk利率敏感型产品interest—sensitive whole life赔期/期限indemnity period/limit普通寿险ordinary life insurance人寿保险life insurance.预定利率市场化Market-based Assumed Interest Rate团险group insurance限期缴费终身寿险limited—payment whole life insurance养老保险endowment insurance医疗保险insurance for medical care医疗费用保险medical expense insurance终身寿险whole life insurance准备金reserve伤残收入保险disability income insurance失能incapacity可变万能寿险Variable-universal life insurance可变年金Variable annuity评估价值Appraisal Value内含价值Embeded Value新业务价值Value of New Business税收优惠tax break税收递延型养老保险Deferred tax endowment insurance大病医疗保险Large quantity medical insurance分红保险Participating Insurance传统保险traditional insurance理财型保险 financial planning oriented insurance投资连结寿险unit—linked life insurance4、保险偿付能力风险资本要求risk—based capital固定最低成本要求fixed minimum capital requirement保险偿付能力监管insurance solvency regulation保险监管信息系统Insurance Regulatory Information System财务分析跟踪系统Financial Analysis Tracking System偿付能力 Solvency偿付能力不足 insolvent. 认可资产 admissible assets. 第二部分保险资产管理1、行业主体和监管保险资产管理insurance asset management保险法insurance law保险资产管理公司insurance asset management company中国人保集团People's Insurance Company of China(简称PICC)中国人保资产管理公司PICC Asset Management Company Limited慕尼黑再保险资产管理公司Munich ERGO Asset Management GmbH（简称MEAG）中国保监会China Insurance Regulatory Commission（简称CIRC）保险投资“新政”innovation policies in insurance investment可投资资产investable asset投资公司法案Investment Company Act2、委托受托关系委托人client受托人trustee委托管理mandate绝对收益absolute return相对收益relative return3、组合管理大类资产配置assets allocation战略资产配置Strategic Assets Allocation（简称SAA）战术资产配置Tactic Assets Allocation（简称TAA）流动性管理liquidity management资产负债管理Asset-Liability Management（简称ALM）久期匹配duration matching现金流匹配cash flow matching. 一般账户general account独立账户separate account4、类别投资固定收益投资fixed-income investment持有到期类资产held-to-maturity asset交易类资产trading asset可供出售类资产asset available for sale股票投资equity investment基金投资fund investment另类投资alternative investment境外投资overseas investment基础设施债权计划infrastructure debt investment plan未上市企业股权投资private equity investment不动产投资real estate investment利率互换Interest Rate Swap（简称IRS）均值一方差分析the mean-variance method5、第三方业务财富管理wealth management第三方投资管理the third-party asset management企业年金occupational annuity养老金pension集合投资产品collective investment fund。
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保险专业词汇英汉对照acceptance policy 核保政策accounting period 结算期aggregate limit 累积限额aggregated loss 累积损失antiselection 逆选择ART (Alternative Risk Transfer) 新型风险转移balance 所欠款项barrages 堰坝captive pools 自保组合catastrophe risk 巨灾风险ceiding company 分出公司cession limit 分保限额claim-prone 容易出险claims assistance 理赔协助clean cut 结清方式coinsurance 共保commencement and termination 起讫cover 承保cover 责任额deposit premium 预付保费destroyed 毁坏earth caves 土坏房屋EPAevent limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款exclusion 除外责任exposed areas 风险承受区域facultative reinsurance 临时分保fault zone 断层区finite risk 有限制的风险flash floods 骤发洪水flooding of rivers 洪水泛滥frame structure 框架结构full coverage 全额承保full insurance value 足额保险价值full liability 全部责任Geophysics Institute 地球物理研究所GNPI 总净保费收入hailstorm 雹暴heavy damage 严重破坏hollow brick wall 空斗砖结构hour clause 小时条款hurricane 飓风individual losses 单一损失insurability 可保性insured losses 保险损失intensity 烈度layering 层次less exposed 损失可能性小liability 责任light damage 轻度破坏line slips 分保条loading 附加费loss occurrence 损失发生loss occurring basis 损失发生基础loss participation 分担损失loss settlement 损失赔付magnitude 震级malicious damage 恶意损害moderate damage 中度破坏multi-story building 多层建建筑Munich Re 慕尼黑再net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例再保险notification 告知object 标的obligatory reinsurance 固定分保original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险PICC Re 中保再placement 安排PML 可能最大损失policyholder 保单持有者pool 共保组合portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐premium 保费previous losses 既往损失priority 分保自留额priority 自付责任proportional reinsurance 比例再保险rainstorm 雨暴rating 费率reinforced concrete building 钢筋混凝土建筑reinstatement 恢复保额reinsured 分出公司reinsurer 再保险人retention 自留额retention areas 滞洪区return period 重现期revoke license 吊销营业执照seaquake 海震second event cover 第二事件承保securitization 证券化seismic demage 震害set-off 抵销shear wall structure 剪力墙结构single 险位超赔spread loss 分散风险stop loss 赔付率超赔storm surges 风暴潮susceptibility of goods to water 易受水浸性tarrif 费率表TG 拐点周期tidal wave 海啸topographic map 地形图tornado 龙卷风total sum insured 总保额treaty-limits 合约限额tube structure 筒体结构underwriting policy 承保政策windstorm 风暴险种及险别险种health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance during a period of illness 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险险别Free from Particular Average（F.P.A.）平安险With Particular Average （W.P.A.）水渍险All Risks 一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss) 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，利损险Advance profit预期利润broker经纪人Business Interruption Insurance (BI)营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlementcombined ratio综合赔付率Consequential Loss (CL)后果损失Contractor's All Risks (CAR)建筑工程一切险（建工险）cover保障Delay in completion完工延误EEI电子设备险engineering insurance工程保险Erection All Risks (EAR)安装工程一切险（安工险）excess of loss cover超额赔偿EX L protection超赔保障facultative business临分保IBRNIncurred but not reported losses 已发生但未报的损失IBRN reserveIBRN 储备金indemnity period/limit赔期/期限inflated claim超额索赔insurance capacity承保能力insured property参保物业Kobe神户劳合社long-tail长尾Loss of profit利损险Machinery (Breakdown) Insurance 机器（损坏〕险，机损险mail/sub-contractor主/分承包商maintenance保证期multiple claim多次（重复）索赔non-life非寿险officer & director liability雇主保险outstanding claim reserve未决索赔准备金PC industryproperty & catastrophe industry peril危险policy保单pool联营possible maximum loss可能的最大损失premium保费primary insurance company原保公司、主保险商principal/employer业主professional专业险profit margin利润边际property财产险proportional cover比例分保punitive damage惩罚性损害rate费率reinsurer分保人（分保公司）reinsurer再保人reserve准备金retention自留return period（巨灾）间隔期short-tail短尾solvency margin赔偿能力standing charges维持费用subject insured风险标的sum insured保额tarrif zone险区Third Party Liability (TPL) 第三者责任险treaties business合同分保turnover营业额underwriting承保working expenses /cost 营业费用writing承保。