个人、商业保险中英术语合集
商务英语专用词汇 关于险种与险别
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商务英语专用词汇关于险种与险别下面是的专用词汇,欢送大家阅读!1. insurance for medical care 医疗2. sickness insurance 保险3. insurance during a period of illness 疾病保险4. health insurance 疾病保险,保险5. "major medical" insurance policy 巨额医药费保险6. life insurance 人寿保险7. endowment insurance 养老保险8. insurance of contents 家庭财产保险9. social insurance 社会保险10. personal property insurance 个人财产保险11. insurance on last survivor 长寿保险12. risk of clashing 碰损险13. With Particular Average (W.P.A.) 水渍险14. All Risks 一切险15. risk of breakage 破碎险16. Free from Particular Average(F.P.A.) 平安险17. risk of rust 生锈险18. risk of hook damage 钩损险19. risk of contamination (tainting) 污染险20. risk of normal loss (natural loss) 途耗或损耗险21. risk of deterioration 变质险22. risk of packing breakage 包装破裂险23. risk of inherent vice 内在缺陷险24. insurance against total loss only (TLO) 全损险25. risk of spontaneous bustion 自然险26. risk of contingent import duty 进口关税险27. insurance against war risk 战争险28. risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险29. overland Transportation Insurance War Risk 陆上运输战争险30. insurance against strike, riot and civil motion (SRCC) 罢工,暴动,民变险31. insurance against extraneous risks, insurance against additional risks 附加险32. Air Transportation Cargo War Risk 航空运输战争险33. risk of fresh and/of rain water damage(wetting) 淡水雨淋险34. risk of leakage 渗漏险35. risk of shortage in weight/quantity 短量险36. on deck risk 舱面险37. risk of bad odour(change of flavour) 恶味险,变味险38. risk of mould 发霉险39. risk of sweating and/or heating 受潮受热险。
保险业常用词汇中英文对照
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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欢迎您的下载,资料仅供参考!致力为企业和个人提供合同协议,策划案计划书,学习资料等等打造全网一站式需求。
保险业常用词汇中英文对照
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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)。
保险专业名词大全
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保险专业名词大全以下是一些保险领域常见的专业名词:1.保险(Insurance):一种通过支付保费来转移风险的经济安排。
2.保险人(Insurer):提供保险保障的机构或个人。
3.被保险人(Insured):购买保险保障的个人或组织。
4.保险合同(Insurance Policy):包含保险责任和条款的法律文件,规定了保险人和被保险人的权利和义务。
5.保险条款(Insurance Terms and Conditions):保险合同中规定的具体责任、限制和条件。
6.保费(Premium):被保险人为获得保险保障而向保险人支付的费用。
7.赔偿金(Indemnity):保险人在发生保险事故后向被保险人支付的金额,用于补偿损失或伤害。
8.自负额(Deductible):在发生保险事故时,被保险人需要自行承担的部分损失。
9.索赔(Claim):被保险人向保险人提出的合法请求,要求支付赔偿金。
10.保险赔付率(Loss Ratio):指保险公司支付的赔偿金金额与收取的保费金额之比。
11.保险代理人(Insurance Agent):负责销售和推广保险产品的中介人员,代表保险公司与客户进行沟通和交流。
12.保险经纪人(Insurance Broker):以客户利益为导向,与多家保险公司进行合作,帮助客户选择适合的保险产品和保险公司。
13.再保险(Reinsurance):保险公司将部分风险转移给其他保险公司的行为,以分摊风险。
14.人寿保险(Life Insurance):提供给被保险人或其指定受益人在被保险人死亡或到期时支付给定金额的保险产品。
15.财产保险(Property Insurance):保护财产免受损失或损坏的保险,如汽车保险、房屋保险等。
这是保险领域中的一部分专业名词,涵盖了一些基本的概念和术语。
在实际保险工作中,还会涉及更多的专业名词和行业特有的术语。
了解和熟悉这些名词可以帮助更好地理解保险领域的知识和流程。
[VIP专享]个人、商业保险中英术语合集
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个人、商业保险中英文术语词汇表AAbandonment 委付Absolute assignment 完全转让Accelerated death benefit 加速死亡给付Accident 意外事故Accidental death benefit 意外死亡保险金Accounts receivable coverage form 应收账款保单Actual cash value (ACV) 实际现金价值Actual cash value 实际现金价值Actual Cash Value-Mobile home 实际现金价值-活动房屋Additional auto 新增车辆Additional insured endorsement 附加被保险人批单Additional interests-residence premises endorsement 额外利益-住宅房产批单Additional limits of liability coverages A, B, C and D 保障A 、B、C、D 额外责任限额批单Additional residence rented to others endorsement 其他出租住宅批单Advertising injury 传播性伤害Aggregate excess 累计超额Aggregate limit 累计限额Agreed value 议定价值Aircraft insurance 飞机保险All-risk 一切险Alteration 改动American Association of Insurance Service 美国保险服务协会Annual transit policy 年度货物运输保单Annuity 年金Appraisal 估价、公估Arbitration 仲裁Assignment Clause 转让条款Assignment 转让Assumption of liability 承担责任Auto insurance plan 汽车保险计划Auto physical damage 汽车车身物质损失Auto 汽车Automatic premium loan provision 自动保费贷款条款Avoidance 规避BBailee customers policy 委托人顾客保单Bailee 受托人Bailor 寄托人Basic medical expense coverage 基本医疗费用保障Beachfront and windstorm plan 海滨地区和暴风雨计划Beneficiary designations 受益人指定条款Betterment 改良Bid bonds 投标保证Bill of lading 提单Blackout period 社会保障津贴暂停期Blanket insurance 总括保险Bobtail and deadhead coverage 短尾呆头保障Bodily injury 人身伤害Boiler and machinery coverage form 锅炉和机器保障格式Boiler and machinery insurance 锅炉和机器保险Boiler 锅炉Bonds 债券BOP special property coverage form 企业所有人保险单特别财产保障格式BOP standard property coverage form 企业所有人保险单标准财产保障格式Breach of contract 违约Broad theft coverage 扩展盗窃险Builders risk coverage form 建筑商风险保障格式Building and personal property coverage form(BPP) 建筑商和个人财产保障格式Building 建筑物Burglary and robbery optional coverage 盗窃和抢劫选择性保障Burglary 盗窃Business auto coverage form 商业汽车保障格式Business income (and extra expense) coverage age form 营业收入(包括额外费用)保障格式Business income (without extra expense) coverage form 营业收入(不包括额外费用)保障格式Business income changes- educational institutions endorsement 营业收入变化-教育机构批单Business income insurance 营业收入保险Business income premium adjustment endorsement 营业收入保单保费调整批单Business income 营业收入Business owners liability coverage form 企业所有人责任保障格式Business owners policy (BOP) 企业所有人保险单Business personal property 商用个人财产Business pursuits endorsement 商业事务批单CCalendar-year deductible 日历年度免赔额Camera and musical instrument dealer coverage form 照相机和乐器经销商保单格式Cancellation 撤销(保单)Capital appreciation 资本升值Car pools 汽车合用组织Cargo war risk policy 货物运输战争风险保单Cause of loss 损失原因Causes of loss forms 损失原因格式Causes of loss-basic form 损失原因-基本格式Causes of loss-broad form 损失原因-广义格式Causes of loss-earthquake form 损失原因-地震保单Causes of loss-special form 损失原因-特殊格式Civil law 民法Claim expenses 理赔费用Claims-made coverage trigger 提出索赔式触发机制Class beneficiary 集体受益人Class code 类别号Class rating 分级费率Coinsurance 共同保险(共保)Collapse 倒塌Collateral assignment 担保性转让Collision coverage 碰撞保障Collision damage waiver 碰撞损失弃权书Collision insurance 碰撞保险Collision 碰撞Combined single limit 综合单一限额Commercial automobile insurance 商业汽车保险Commercial crime insurance 商业犯罪保险Commercial general liability insurance 商业普通责任保险Commercial insurance 商业保险Commercial Lines Manual (CML) 商业保险手册Commercial package policy(CPP) 商业一揽子保险保单Commercial property conditions form 商业财产保险条件格式Commercial property conditions 商业财产保险承保条件Commercial property coverage form 商业财产保障格式Commercial property coverage part 商业财产保障部分Commercial property declaration page 商业财产保单声明页Commercial property insurance 商业财产保险Common carriers 一般承运人Common policy conditions 一般保单条件Common stock 普通股Comparative negligence law 比较过失法Compensatory damages 补偿性损害赔偿金Competitive state funds 竞争性州基金Completed operations liability exposure 完工责任风险Comprehensive coverage 综合保障Compulsory insurance law 强制保险法Computer fraud 计算机行窃Concealment 隐瞒Concurrent causation 并发损失Conditionally renewable条件可续保Condominium association coverage form 共有产权机构保单格式Condominium association insurance 共管住宅协会保险Condominium commercial unit-owners coverage form 共有产权商业单元所有人保单格式Condominium declaration 共管住宅声明书Condominium master policy 共管住宅业主保单Condominium units 共管住宅单位Condominium 共管住宅Consequential damage endorsement 后续损失批单Contingent beneficiary 或有受益人Continuing expenses 继续发生的费用Contract bonds 合同保证Contract carriers 合同承运人Contract 合同Contractors equipment floater 承运人设备运输保险Contractual liability 合同责任Contributory negligence law 共有过失法Contributory plan 分摊型计划Convertible 可转换Cooperative unit 共有单元Coordination-of-benefit provision 协调给付条款Corridor deductible 通道免赔额Cost-of-living rider 生活成本调整附加条款Court bond 法庭担保Coverage C increased special limits of liability 保障C提高特殊责任限额批单Coverage for damage to your auto (Max limit of liability) endorsement 车辆损失险(最大责任限额)批单Coverage for damage to your auto 车辆损失险Coverage for excess sound reproducing equipment, audio visual and data electronic equipment, and tapes, records, disks and other media endorsement 额外的声音复制设备,声频,视频及数据电子设备,磁带、录制品唱片以及其他媒介保险批单Coverage symbols 承保标志Credit card, fund transfer card, forgery and counterfeit money coverage endorsement 信用卡、转账卡、伪造品和伪币保险批单Credit card, fund transfer card, forgery and counterfeit money 信用卡、转账卡、伪造品和伪币Crime insurance 犯罪保险Criminal law 刑法Current assumption whole life insurance 当期假设终身寿险Current interest rate 当期利率Currently insured 目前被保险Custodian 管理人Customizing equipment coverage endorsement 定制设备保险批单DDamages 损害赔偿金Damages 损失Debris removal 损遗物清理Declaration 说明Decreasing term insurance 保额递减型定期寿险Deferred annuity 延期年金Defined benefit plan 规定收益计划Defined contribution plan 规定缴费计划Dental insurance 牙科保险Dependency period 依赖期Dependent property exposures 连带财产风险(间接营业中断风险)Destruction 毁坏DIC, difference in conditions policy 补足保险保单Difference in conditions (DIC) insurance 补足保险Difference in conditions (DIC) policy 补足保险保单Diminution in value 贬值Directors and officers liability policies 董事和经理人责任保险单Disability income insurance 伤残收入保险Disability insured 伤残被保险Disappear 消失Discovery period 发现期Dismemberment 失能Diversification 多元化Dividend options 红利支付选择权条款Drop down coverage 顺延责任保障Dwelling policy 住宅保单EEach occurrence limit 每一事件限额Earthquake endorsement 地震批单Education IRA 教育IRAElectronic data processing (EDP) equipment floater 电子数据处理设备运输流动保单Eligibility period 资格期Elimination period 免责期间Emergency program 紧急计划Employee benefits liability insurance 雇员福利责任保险Employee dishonesty optional coverage 雇员欺诈行为选择性保障Employee dishonesty 雇员不忠诚Employee 雇员Employers non ownership liability 非雇主所有的汽车责任Employment practices liability insurance 雇用行为责任保险Endorsement 批单Ensuing losses 继发损失Equipment dealers coverage form 设备经销商保单格式Errors and omissions liability policy 过错和遗漏责任保单Estate clearance fund 遗产清理基金Estate settlement 遗产分配Evidence of insurability 可保性证明Excess liability policies 超额责任保单Exclusive provider organization 专门供应者组织Expediting expenses 加速费用Experience rating plan 经验费率计划Exposure 风险,风险载体Extended business income 延长期营业收入Extended non-owned coverage for named individual endorsement 为记名被保险人扩展非自有车辆责任批单Extended period of indemnity 补偿的延长期期限Extended reporting period 延长报告期Extended term insurance 展期保险Exterior glass optional coverage 外部玻璃选择性保障Extortion 敲诈勒索Extra expense coverage form 额外费用保障格式Extra expenses 额外费用Extraterritorial provisions 治外法权条款FFAIR plans, beachfront and windstorm plans 公平保险需求计划(FAIR),海岸及风暴计划FAIR, Fair Access to Insurance Requirements Plans 公平保险需求计划Farm insurance policies 农场保险保单Farm insurance 农场保险Farmers personal liability endorsement 农场主个人责任批单Fatality rate 事故死亡率FDIC, federal deposit insurance corporation 联邦储蓄保险公司Federal surety bond 联邦保证保险FEMA 联邦紧急事务管理局Fiduciary bond 信托担保Fiduciary liability insurance 信托责任保险Film coverage form 影视保单Financial institution bonds 金融机构保证保险Financial planning 财务计划Financial responsibility 经济责任法Finish stock 制成品存货Fire damage limit 火损限额Fire department service charge 消防费用Fire department service charge 消防局服务费用Fire legal liability coverage 火宅法律责任保障First named insured 第一指定被保险人First party insurance 第一方保险First-party insurance 第一方汽车责任保险Fixed annuity 定额年金Fixed-amount option 固定给付金额方式Fixed-period option 固定给付期限方式Flat deductibles 统一免赔额Flexible-premium annuity 可变保费年金Flood insurance policies 洪水保险保单Floor plan coverage form 抵押物保单格式Forgery 伪造Freight 运费Friendly fire 善意之火Functional replacement cost 同功能重置成本GGarage business 汽车经营业务Garage coverage form 汽车服务商保单Garage keepers insurance 车辆照管人保险Garage policy 车库保险General aggregate limit 全部累计限额General average 共同海损General damages 一般损害赔偿金General provision 一般条款Glass coverage form 玻璃保险Glass or safety glazing material 玻璃或安全玻璃材料Grace period 宽限期Guaranteed cost policies 成本保证保单Guaranteed insurability 保证可保性Guaranteed renewable 保证可续保HHealth insurance, including Medicare 健康保险,包括政府医疗保障保险Health maintenance organization 健康维持组织Highly protected risks 高度保护风险HO- 6 unit-owners form HO-6 共同所有者格式HO-2 broad form HO-2 广义格式HO-4 contents broad form HO-4 室内物品扩展格式HO-8 modified coverage form HO-8修改的承保范围格式Hold harmless agreement 免除伤害协议Home business endorsement 家庭商业保险批单Home business insurance coverage endorsement 家庭商业保险保障批单Home day care coverage endorsement 家庭日托保险批单Homeowner policy 屋主保单Homeowners 3 special form 屋主保单3号特殊格式Hospital expense insurance 住院费用保险Hostile fire 恶意之火HPR insurance 高度保护风险保单Hull insurance 船舶保险Hull 船体Human loss exposure 人身损失风险(载体)IImmediate annuity 即期年金Implied permission 默认许可Improvements and betterments 提高和改良Incidental farming personal liability endorsement 附属性农场个人责任批单Incidental motorized land conveyance endorsement 偶用机动化陆地交通工具批单Incontestable clause 不可争条款Increased limit on personal property in other residence endorsement其他居所个人财产提高责任限额批单Independent contractor 独立订约人Inflation guard endorsement 抵消通货膨胀批单Inflation guard 通货膨胀保护Inland marine insurance 内陆运输保险Installation floater 安装流动保单Insurable interest 可保利益Insured contract 被保险合同Insured location 承保区域Insured status 被保险资格Intentional tort 故意侵权Interest option 利息给付方式Interest-sensitive life insurance 利率敏感型寿险Interior glass optional coverage 内部玻璃选择性保障Investing 投资Investment risk 投资风险Irrevocable beneficiary 不可变更受益人ISO, Insurance Service Office 保险服务局ISO’s homeowners policy program manual ISO屋主保单计划手册Jewelers block coverage form 珠宝保单格式Joint-and-survivor income option 共同生存收入方式JUAs 联合承保协会Judgment rating 判断定费发Judicial bond 司法保证KKeogh plan 基奥计划LLandlords’ furnishings 房东的家具Legal liability 法律责任Liability coverage 责任险Liberalization clause 自动承保条款License bond 执照担保Lien holder 留置权人Life income option 终身收入方式Life insurance amount 人寿保险限额Life insurance 人寿保险Limited Mexico coverage endorsement 有限制的墨西哥保险批单Limited payment life insurance 限期缴费终身寿险Limited theft coverage 有限盗窃险Line of business 业务范围Liquidity 流动性Liquor liability coverage form 酒类责任保单格式Litigation 起诉Livestock collision coverage endorsement 家畜碰撞险批单Long-term care insurance 长期护理保险Loss adjustment endorsement 损失调整批单Loss assessment coverage endorsement 损失追征金保险批单Loss assessment coverage 损失评估保障Loss assessment 损失追征金Loss conditions 损失条件Loss control 损失控制Loss cost 损失费用Loss exposure 损失风险Loss prevention 防损Loss reduction 减损Mail coverage form 邮件保单Maintenance bond 维修保证Maintenance of underlying insurance condition 维持基本保险条件Maintenance of underlying insurance condition 下层保单的维持条件Major medical insurance 大宗医疗费用保险Managed care plans 管理医疗计划Marine extension clauses 海上保险扩展保障条款Marine insurance 运输保险Market value 市场价值Master deed 业主证书Material fact 重要事实Material misrepresentation 重大不实告知Maximum period of indemnity 最长补偿期限Maximum probable loss (MPL) 最大可能损失Mechanical breakdown optional coverage 机械故障选择性保障Medicaid 政府医疗补助计划Medical expense limit 医疗费用限额Medical payment coverage 医疗费用赔偿险Medical payment insurance 医疗给付保险Medical payments to others 他人医疗费用保险Medicare 政府医疗保障计划Messenger 信使Mint condition 完好无损Miscellaneous real property coverage 混合不动产保障Miscellaneous type vehicle amendment(motor home)其他车辆修正批单(移动房车)Miscellaneous type vehicle endorsement 多种车辆保险Miscellaneous type vehicle endorsement 其他车辆保险批单Misrepresentation 不实告知Misrepresentation 误告Misstatement of age or sex 年龄或性别误报条款Mobile equipment 机动设备Mobile home endorsement 活动房屋批单Mobile home insurance 活动房屋保险Mobile home lienholder’s single interest 活动房屋留置权人单方面利益Monetary threshold 货币临界Money and securities optional coverage 货币和证券选择性保障Money purchase pension plan 保费基准制养老金计划Money 现金Monocline policy 单一保险保单Monopolistic state funds 垄断性州基金Monthly limit of indemnity 每月补偿限额Moral hazard 道德风险Motor carrier coverage form机动车承运人保单格式Motor truck cargo insurance 卡车货运保险Multistate revisions 多州修订本Mutual funds 共同基金NNamed insured 记名被保险人National Council on Compensation Insurance 美国劳工保险委员会National flood insurance program (NFIP) 全国洪水保险计划National flood insurance program, NFIP国家洪水保险计划National security Council 国家安全理事会Nationwide marine definition 全国范围运输定义Needs approach 需求法Net income 净收入Net worth 净财富Newly acquired auto 新置车辆No-fault automobile insurance 无过失汽车保险Non cancelable 不可撤销Non forfeiture options 不丧失价值选择权条款Nonfiled policies 非归档保单Noninsurance transfer 非保险风险转移Non-owned auto 非自有车辆Nonparticipating policies 非分红型保单Nonrenewable 拒绝续保OObject definitions endorsements 对象定义批单Object 对象Obligee 权利人Occurrence coverage trigger 事故发生式触发机制Occurrence limit 事故限额Occurrence 事件Ocean marine insurance 海洋运输保险Open cargo policy 预约货物运输保单Operation 经营Operations liability exposure 业务经营责任保险Ordinance or law coverage 法令或法律保险Ordinance or law 法令或法律Ordinance or law-increased amount of coverage endorsement 法令或法律—提高保险金额批单Ordinance or law-increased period of restoration endorsement 法令或法律增加的恢复期间批单Ordinary life insurance 普通寿险Ordinary payroll limitation or exclusion endorsement 普通工人工资限制或除外责任批单Other insurance 其他保险Other structure 其他建筑Other structure-increased limits endorsement 其他建筑—提高责任限额批单Other-than-collision loss 非碰撞损失Outdoor signs optional coverage 室外标志选择性保障Out-of-state coverage 州外保险Owner-operators 所有者-运营者Owners and contractors protective liability coverage 所有人和承包商保护性责任批单PPackage modification factors 一揽子保单修正系数Package policy 一揽子保险保单Paid-up additions 增额缴清保险Participating policies 分红型保单Particular average 单独海损Payment bond 支付保证Peak season limit of insurance endorsement 高峰季节保险金额批单Performance bond 履约保证Peril 风险事故Perils of the seas 海上危险Period of restoration 恢复期间Permanent partial disability永久部分残疾Permanent total disability 永久全残Permit bond 允许担保Permitted incidental occupancies-residence premises endorsement许可的附属性占有—住宅房产批单Permitted incidental occupancy endorsement 许可的附属性占用批单Personal and advertising injury limit 个人传播性伤害限额Personal articles floater 个人特定财产保险Personal articles floater 个人物品流动保险单Personal auto insurance 个人汽车保险Personal auto policy 个人汽车保单Personal effects floater 个人流动物品保单Personal injury endorsement 个人伤害批单Personal injury protection个人伤害保障Personal injury 个人伤害Personal insurance 个人保险Personal liability supplement 个人责任补充保险Personal loss exposure 个人损失风险,个人损失风险载体Personal property floater 个人财产流动保险单Personal property of others 他人个人财产Personal property replacement cost endorsement 个人财产重置成本批单Personal risk management 个人风险管理Personal umbrella liability insurance 个人伞式责任保险Physical coverage 车身损失险Physical damage coverage 物质损失险Physician’s visits insurance 医生诊费保险Physicians and surgeons equipments coverage form 医师用具保单格式Physicians professional liability policy 内科医生职业责任保单Pickup 小型运货车PIP endorsement 人身伤害保障批单Point-of-service plan 自选医疗服务机构计划Policy period 保单期Pollutant cleanup and removal 污染物清理和转移Pollution liability coverage form 污染责任保单格式Portability 可移植性Post judgment interest 判决后利息Power, heat, and refrigeration Endorsement 供电、加热及制冷费用批单Pre judgment interest 预断利息Pre-existing conditions 既存病况Preferred provider organization 优先供应者组织Preferred stock 优先股Premature death 早逝Premise liability exposure 营业场所责任风险Premises alarm or fire protection system endorsement 居所警报或防火系统批单Premium audit 费率审计Premium base 保费基础Preservation of property 财产保存Presumptive disability 推定伤残Principal 被保证人Principle Liability Coverage 基本责任保险Private carriers 私人承运人Private passenger auto 私人轿车Pro rata refund 比例返还Probate 遗嘱检验Products liability exposure 产品责任风险Products-completed operations aggregate limit 产品及完工累计限额Professional liability policies 职业责任保险单Professional liability 职业责任Profit sharing plan 利润分享计划Proof of loss 损失证明Property damage 财产损坏Property exposed to loss 受险财产Property loss exposure 财产损失风险Property other than money and securities 现金和有价证券外的其他财产Property removed increased limit 提高移走财产责任限额Property removed 移走的财产Protection and indemnity (R&I) insurance 保赔保险Protection and indemnity insurance 保护和赔偿金保险Punitive damages 惩罚性损害赔偿金RRate 费率Rater 费率厘定人Rating factors 费率因素Rating 费率制定Readjustment period 重整期Real estate investment trusts(REITs)不动产投资信托Real estate 不动产Reasonable repairs 合理的修理Reduced paid-up insurance 减额缴清保险Reentry 再投保Regular program 常规计划Reinstatement clause 复效条款Reinsurance facilities 再保险机构Released value bill of lading 豁免价值提单Renewable 可续保Replacement auto 重置车辆Replacement cost 重置成本Residence employee 住所雇员Residence premises 住宅房产Residence premises-three or four family dwelling endorsement 住宅房产——由三个或四个家庭使用的住宅保险批单Residual disability 后续伤残收入减少给付Residual market 剩余市场Retention 自留Retroactive date 回溯日Retrospective rating plan 追溯费率计划Revocable beneficiary 可变更受益人Rider 附加条款Risk management 风险管理Robbery 抢劫Roth IRA 税后个人退休账户SSafe burglary 保险箱入室行窃Safe driver rating plan 驾驶者安全行驶费率计划Salvage 救助费用Saving Incentive Match Plan for Employees SIMPLE计划(匹配雇员储蓄机动计划)Saving 储蓄Scheduled article 表定财产Scheduled personal property endorsement 列举式个人财产保险批单Seasonal increase provision 季节性增加条款Securities 有价证券Self-insured retention (SIR) 自保自留Self-insured retention 自保自留额SEP,simplified employee pension 简化的雇员养老金Separate account 分离账户Settlement options 赔付方式选择Severability of insurance 保险的可分性Shared market 共享市场Signs coverage form 标记物保单格式Single liability limit endorsement 单一责任限额批单Small boat policy 小型船只保单Small business boiler and machinery forms 小企业锅炉和机器保障格式Snowmobile endorsement 机动雪橇批单Social Security 社会保障Soft cost coverage 软费用保障Special computer coverage endorsement 计算机特别保险批单Special coverage 特别保障Special damages 特殊损害赔偿金Special flood hazard areas 特别洪水风险地区Special personal property coverage endorsement 特别个人财产保险批单Specialty insurers 专营保险人Specific beneficiary 特定受益人Specific excess 特定超额Specific insurance 特定保险Specific rating 特定费率Specified causes of loss coverage 特定原因损失保障Specified causes of loss 特殊风险事故Split limit 分项限额Stacking 重叠Standard Coverage Homeowners Program 标准屋主保险计划Statute 法规Stop gap coverage 停止差异保障Stop-loss insurance 止损保险Stop-loss provision 止损条款Straight bill of lading 记名提单Straight life insurance 连续缴费终身寿险Strict liability 严格责任Strikes, riots, and civil commotion (SP&CC) endorsement 罢工暴动批单Structured settlement 结构赔付Structures rented to other endorsement 租与他人的建筑批单Subrogation 代位求偿Sue and labor clause 施救费用条款Suicide clause 自杀条款Supplementary payments 额外给付Surety bonds 保证保险Surety 保证人Surgical expense insurance 外科手术费用保险Surviving spouse 遗嘱Survivor benefits 生存者津贴Suspension of insurance 保险暂停TTax-deferred retirement plans 延税退休计划Tax-sheltered annuities 避税年金Temporary partial disability 短期部分残疾Temporary substitute vehicle 暂时性替代用车Temporary total disability 短期全残Term insurance 定期寿险Theatrical property coverage form 舞台演出用具保单格式Theft 偷窃Third party insurance 第三方保险Thrift plan(or savings plan)节约计划(或储蓄计划)Time policy 定期保单Tort reform 侵权法改革Tort 侵权Total disability 全残Totally disabled 完全伤残,全残Towing and labor costs coverage endorsement 拖车及人工费保险批单Towing and labor costs coverage 拖车及人工费保险Towing coverage 拖车保障Traditional Individual Retirement Account 传统个人退休账户(IRA)Trailer interchange agreement 拖车互换协议Trailer interchange coverage 拖车互换保障Trailer 拖车Trailer/camper body coverage(maximum limit of liability)endorsement 拖车/野营挂车保险(最大责任限额)批单Transportation 交通Transportation/permission to move 运输、获准移动Trees, shrubs and other plans 树木、灌丛和其他植物Trip transit policy 单程运输保单UUmbrella and excess liability policies 伞式和超额责任保险Umbrella liability policies 伞式责任保单Umbrella policies 伞式保单Underground storage tank policy 地下贮罐保单Underinsured motorist coverage endorsement 投保不足驾驶者保险批单Underinsured motorist coverage 不足额保险驾驶人保障Underlying insurance 基本保险Underwriting loss 承保损失Underwriting 核保Unearned premium 未赚保费Unemployment compensation programs 失业补偿计划Uninsured motor vehicles 未投保机动车辆Uninsured boater coverage 未投保驾船者保险Uninsured motorists coverage 未保险驾驶人保障Uninsured motorists laws 未保险驾驶人法United states long shore and harbor worker’s compensation act (LHWCA) 美国海岸及港口劳工补偿法案United states Long shore and Harbor Workers’ Compensation Act 美国海岸和港口劳工补偿法案Unit-owner coverage A 共同拥有者保障A批单Unit-owner coverage C 共同拥有者保障C批单Unit-owner rental to others 房屋租与他人共同拥有者Universal life insurance 万能寿险Unoccupied 无人居住的Unsatisfied judgment fund 未偿判决基金Usual,reasonable,and customary charges 通常、合理并符合惯例(URC)的费用Utility services-time element endorsement 公共能源和用水服务-时间因素批单VVacant 空闲的Valuable papers and records coverage form 重要文件和档案保单Value reporting form 价值报告格式Van 面包车Variable annuity 变额年金Variable life insurance 变额寿险Variable universal life insurance 变额万能寿险Verbal threshold 文字临界Vesting 受领权Vicarious liability 代理人责任Void contract 无效合同Voluntary compensation endorsement 自愿补偿批单Voyage policy 航程保险单WWaiver of premium 保费豁免Warehouse to warehouse clause 仓至仓条款Watch person 看守人Water back and sumo overflow endorsement 污水倒流及排水泵溢出批单Watercraft endorsement 船只批单Watercraft insurance 船只保险Workers compensation and employers liability insurance 劳工补偿和雇主责任保险Workers compensation and employers liability 劳工补偿和雇主责任Workers compensation laws 劳工补偿法Workers compensation statutes 劳工补偿法Workers compensation劳工补偿Worksheet计算表Write-your-own program自承保计划YYearly renewable term insurance年可续定期寿险Your covered auto 你的被保车辆ZZone rated vehicles 地域定价汽车。
保险专业术语100个
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保险专业术语100个1. 保险(Insurance)2. 保单(Insurance Policy)3. 保费(Premium)4. 被保险人(Insured)5. 投保人(Policyholder)6. 受益人(Beneficiary)7. 保险合同(Insurance Contract)8. 保险责任(Insurance Coverage)9. 免赔额(Deductible)10. 赔偿(Indemnification)11. 保额(Coverage Limit)12. 保险单号(Policy Number)13. 续保(Renewal)14. 解除合同(Cancellation)15. 保险代理人(Insurance Agent)16. 保险经纪人(Insurance Broker)17. 险种(Insurance Type)18. 终身保险(Whole Life Insurance)19. 寿险(Life Insurance)20. 财产保险(Property Insurance)21. 车险(Auto Insurance)22. 健康保险(Health Insurance)23. 商业保险(Commercial Insurance)24. 全险(Comprehensive Insurance)25. 第三者责任险(Third-Party Liability Insurance)26. 个人责任险(Personal Liability Insurance)27. 养老保险(Pension Insurance)28. 意外险(Accident Insurance)29. 理赔(Claims)30. 赔款(Claim Payment)31. 赔付率(Loss Ratio)32. 保险费率(Insurance Premium Rate)33. 风险(Risk)34. 保险费率(Premium Rate)35. 保险费用(Insurance Expense)36. 保单现金价值(Cash Value of Policy)37. 保险期限(Policy Term)38. 不动产险(Real Estate Insurance)39. 人寿保险公司(Life Insurance Company)40. 全球再保险公司(Reinsurance Company)41. 不测险(Contingent Insurance)42. 分红险(Dividend-Paying Insurance)43. 互助保险(Mutual Insurance)44. 合同终止(Contract Termination)45. 保险仲裁(Insurance Arbitration)46. 资产保护(Asset Protection)47. 财务规划(Financial Planning)48. 停保(Lapse)49. 超龄保费(Age-Adjusted Premium)50. 风险管理(Risk Management)51. 保险赔付调查(Claims Investigation)52. 保险监管(Insurance Regulation)53. 争议解决(Dispute Resolution)54. 保险法(Insurance Law)55. 保险税(Insurance Tax)56. 保险诈骗(Insurance Fraud)57. 险企(Insurance Company)58. 保险销售(Insurance Sales)59. 险资(Insurance Assets)60. 保险监管机构(Insurance Regulatory Authority)61. 重大疾病险(Critical Illness Insurance)62. 共保(Coinsurance)63. 保单现金价值(Cash Surrender Value)64. 不计免赔(No-Claim Bonus)65. 全球保险市场(Global Insurance Market)66. 灾害风险(Catastrophic Risk)67. 商业责任险(Commercial Liability Insurance)68. 医疗保险(Medical Insurance)69. 偿付能力(Solvent)70. 保险费率浮动(Premium Fluctuation)71. 个人保险(Individual Insurance)72. 保单条款(Policy Provisions)73. 保险预授权(Insurance Preauthorization)74. 保险产品(Insurance Product)75. 现金赔付(Cash Benefit)76. 赔偿期间(Indemnity Period)77. 保险风险管理(Insurance Risk Management)78. 保险投资(Insurance Investment)79. 保险监察(Insurance Supervision)80. 风险调整(Risk Adjustment)81. 定期寿险(Term Life Insurance)82. 短期残疾险(Short-Term Disability Insurance)83. 投资连结保险(Investment-Linked Insurance)84. 长期护理保险(Long-Term Care Insurance)85. 保险资本(Insurance Capital)86. 保险金(Insurance Payout)87. 财产保险公司(Property Insurance Company)88. 寿险掌门人(Life Insurance CEO)89. 互联网保险(Internet Insurance)90. 保险理论(Insurance Theory)91. 风险评估(Risk Assessment)92. 车险报案(Auto Insurance Claim)93. 保险精算(Insurance Actuarial)94. 保单效力(Policy Validity)95. 保险监管法规(Insurance Regulatory Laws)96. 保单解除(Policy Termination)97. 索赔流程(Claims Process)98. 财务报告(Financial Statements)99. 保险法务(Insurance Legal Affairs)100. 意外身故险(Accidental Death Insurance)。
保险业常用词汇中英文对照
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保险业常用词汇中英文比较第一部分:保险承保业务1、一般保险原理保险 insurance保险业insurance industry保险业务构造business structures保险业主体bodies in Insurance Industry被保险人 insured理赔 claim settlement承保利润菲薄underwriting profit is slight承保能力 insurance capacity承保业务underwriting operation未决赔款贮备金reserve IBRN大数法例 Law of Large Numbers营业额 turnover市场缺点 market imperfections社会保险 social insurance个人代理人银行保险personal agent bank insurance直销straight pin 佣金brokerage手续费再保险commission charges reinsurance2、财产保险财产保险 property insurance长尾 long -tail长久护理保险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不测损害保险casualty accident insurance3、寿险词汇变额寿险 variable life insurance长寿保险 insurance on last survivor按期寿险 term insurance合同积蓄机构contractual saving institutions盈利 dividend疾病保险 sickness insurance简略险 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 / 限时 indemnity period/limit一般寿险 ordinary life insurance人寿保险 life insurance预约利率市场化Market-based Assumed Interest Rate团险 group insurance限时缴费终生寿险 limited —payment whole life insurance 养老保险 endowment insurance医疗保险 insurance for medical care医疗花费保险medical expense insurance终生寿险 whole life insurance准备金 reserve伤残收入保险disability income insurance失能 incapacity可变全能寿险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 重病医疗保险Large quantity medical insurance分成保险Participating Insurance传统保险traditional insurance理财型保险financial planning oriented insurance投资连接寿险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 保险偿付能力看管insurance solvency regulation保险看管信息系统Insurance Regulatory Information System财务剖析追踪系统Financial Analysis Tracking System 偿付能力Solvency偿付能力不足insolvent认同财产admissible assets第二部分保险财产管理1、行业主体和看管保险财产管理insurance asset management保险法insurance law保险财产管理公司insurance asset management company中国人保公司People's Insurance Company of China(简称PICC)中国人保财产管理公司PICC Asset Management Company Limited慕尼黑再保险财产管理公司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可投资财产investable asset投资公司法案Investment Company Act2、拜托受托关系拜托人 client受托人 trustee拜托管理mandate绝对利润absolute return相对利润relative return3、组合管理大类财产配置assets allocation战略财产配置Strategic Assets Allocation (简称SAA)战术财产配置Tactic Assets Allocation (简称TAA)流动性管理liquidity management财产欠债管理Asset-Liability Management (简称ALM)久期般配duration matching现金流般配cash flow matching一般账户general account独立账户separate account4、类型投资固定利润投资fixed-income investment拥有到期类财产held-to-maturity asset交易类财产trading asset可供销售类财产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基础设备债权计划infrastructure debt investment plan 未上市公司股权投资private equity investment不动产投资real estate investment利率交换Interest Rate Swap(简称IRS)均值一方差剖析the mean-variance method5、第三方业务财产管理wealth management第三方投资管理the third-party asset management 公司年金occupational annuity养老金 pension会合投财产品collective investment fund。
保险业常用词汇中英文对照
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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个人代理人银行保险personal agent bank insurance直销straight pin 佣金brokerage手续费再保险commissionreinsurancecharges2、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农业保险巨灾保险agricultural insurance catastrophe insurance意外伤害保险casualtyaccidentinsurance3、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
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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
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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bodies in InsuranceIndustry被保险人 insured 理赔 claim settlement承保利润微薄underwriting profit is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catastropheinsurance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sicknessinsurance 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-basedAssumed 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 expenseinsurance 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— basedcapital固定最低成本要求fixed minimum capital requirement保险偿付能力监管insurancesolvency regulation保险监管信息系统Insurance Regulatory InformationSystem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 assetmanagement company中国人保集团People'slnsuranee 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Munieh ERGO AssetManagement GmbH (简称MEAG )中国保监会Chi na In sura nee Regulatory Commissio n (简称CIRC)保险投资“新政” innovation polieies in insuranee investment可投资资产investable asset投资公司法案Investment Company Aet2、委托受托关系委托人elient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assetsalloeation战略资产配置Strategie Assets Alloeation (简称SAA )战术资产配置Taetie AssetsAlloeation (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 matehing现金流匹配eash flow matehing一般账户general aeeount独立账户separateaccount 4、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assetavailable 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 estateinvestment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 assetmanagement 企业年金occupational annuity 养老金pension集合投资产品collective investment fund。
保险领域行业词汇 中英对照
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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。
保险业常用词汇中英文对照
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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 ManagementGmbH(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
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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。
保险英语常用词汇 ()
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保险英语常用词汇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 Insuran ce 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 附加保险费保险英语词汇Aabandonment 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extended-term insurance 过期保险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increased value insurance 增值保险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 estoppels 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。
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个人、商业保险中英文术语词汇表Abandonment 委付Absolute assignment 完全转让Accelerated death benefit 加速死亡给付Accident 意外事故Accidental death benefit 意外死亡保险金Accounts receivable coverage form 应收账款保单Actual cash value (ACV) 实际现金价值Actual cash value 实际现金价值Actual Cash Value-Mobile home 实际现金价值 -活动房屋Additional auto 新增车辆Additional insured endorsement 附加被保险人批单Additional interests-residence premises endorsement 额外利益 -住宅房产批单Additional limits of liability coverages A, B, C and D 保障 A 、 B、 C、 D 额外责任限额批单Additional residence rented to others endorsement 其他出租住宅批单Advertising injury 传播性伤害Aggregate excess 累计超额Aggregate limit 累计限额Agreed value 议定价值Aircraft insurance 飞机保险All-risk 一切险Alteration 改动American Association of Insurance Service 美国保险服务协会Annual transit policy 年度货物运输保单Annuity 年金Appraisal 估价、公估Arbitration 仲裁Assignment Clause 转让条款Assignment 转让Assumption of liability 承担责任Auto insurance plan 汽车保险计划Auto physical damage 汽车车身物质损失Auto 汽车Automatic premium loan provision 自动保费贷款条款Avoidance 规避Bailee customers policy 委托人顾客保单Bailee 受托人Bailor 寄托人Basic medical expense coverage 基本医疗费用保障Beachfront and windstorm plan 海滨地区和暴风雨计划Beneficiary designations 受益人指定条款Betterment 改良Bid bonds 投标保证Bill of lading 提单Blackout period 社会保障津贴暂停期Blanket insurance 总括保险Bobtail and deadheadcoverage 短尾呆头保障Bodily injury 人身伤害Boiler and machinery coverage form 锅炉和机器保障格式Boiler and machinery insurance 锅炉和机器保险Boiler 锅炉Bonds 债券BOP special property coverage form 企业所有人保险单特别财产保障格式BOP standard property coverage form 企业所有人保险单标准财产保障格式Breach of contract 违约Broad theft coverage 扩展盗窃险Builders risk coverage form 建筑商风险保障格式Building and personal property coverage form(BPP) 建筑商和个人财产保障格式Building 建筑物Burglary and robbery optional coverage 盗窃和抢劫选择性保障Burglary 盗窃Business auto coverage form 商业汽车保障格式Business income (and extra expense)coverage age form 营业收入(包括额外费用)保障格式Business income (without extra expense) coverage form 营业收入(不包括额外费用)保障格式Business income changes- educational institutions endorsement 营业收入变化 -教育机构批单Business income insurance 营业收入保险Business income premium adjustment endorsement 营业收入保单保费调整批单Business income 营业收入Business owners liability coverage form 企业所有人责任保障格式Business owners policy (BOP) 企业所有人保险单Business personal property 商用个人财产Business pursuits endorsement 商业事务批单Calendar-year deductible 日历年度免赔额Camera and musical instrument dealer coverageform 照相机和乐器经销商保单格式Cancellation 撤销(保单)Capital appreciation 资本升值Car pools 汽车合用组织Cargo war risk policy 货物运输战争风险保单Cause of loss 损失原因Causesof loss forms 损失原因格式Causesof loss-basic form 损失原因 -基本格式Causesof loss-broad form 损失原因 -广义格式Causesof loss-earthquakeform 损失原因 -地震保单Causesof loss-special form 损失原因 -特殊格式Civil law 民法Claim expenses 理赔费用Claims-made coverage trigger 提出索赔式触发机制Class beneficiary 集体受益人Class code 类别号Class rating 分级费率Coinsurance 共同保险(共保)Collapse 倒塌Collateral assignment 担保性转让Collision coverage 碰撞保障Collision damage waiver 碰撞损失弃权书Collision insurance 碰撞保险Collision 碰撞Combined single limit 综合单一限额Commercial automobile insurance 商业汽车保险Commercial crime insurance 商业犯罪保险Commercial general liability insurance 商业普通责任保险Commercial insurance 商业保险Commercial Lines Manual (CML) 商业保险手册Commercial packagepolicy(CPP) 商业一揽子保险保单 Commercial property conditions form 商业财产保险条件格式 Commercial property conditions 商业财产保险承保条件Commercial property coverage form 商业财产保障格式 Commercial property coverage part 商业财产保障部分 Commercial property declaration page 商业财产保单声明页Commercial property insurance 商业财产保险Common carriers 一般承运人Common policy conditions 一般保单条件Common stock 普通股Comparative negligence law 比较过失法Compensatory damages 补偿性损害赔偿金Competitive state funds 竞争性州基金Completed operations liability exposure 完工责任风险 Comprehensive coverage 综合保障Compulsory insurance law 强制保险法 Computer fraud 计算机行窃Concealment 隐瞒Concurrent causation 并发损失Conditionally renewable 条件可续保Condominium association coverage form 共有产权机构保单格式Condominium association insurance 共管住宅协会保险Condominium commercial unit-owners coverage form 共有产权商业单元所有人保单格式Condominium declaration 共管住宅声明书Condominium master policy 共管住宅业主保单Condominium units 共管住宅单位Condominium 共管住宅Consequential damage endorsement 后续损失批单Contingent beneficiary 或有受益人Continuing expenses 继续发生的费用Contract bonds 合同保证Contract carriers 合同承运人Contract 合同Contractors equipment floater 承运人设备运输保险Contractual liability 合同责任Contributory negligence law 共有过失法Contributory plan 分摊型计划Convertible 可转换Cooperative unit 共有单元Coordination-of-benefit provision 协调给付条款Corridor deductible 通道免赔额Cost-of-living rider 生活成本调整附加条款Court bond 法庭担保Coverage C increased special limits of liability 保障 C 提高特殊责任限额批单Coverage for damage to your auto (Max limit of liability) endorsement 车辆损失险(最大责任限额)批单Coverage for damage to your auto 车辆损失险Coverage for excess sound reproducing equipment, audio visual and data electronic equipment, and tapes, records, disks and other media endorsement 额外的声音复制设备,声频,视频及数据电子设备,磁带、录制品唱片以及其他媒介保险批单Coverage symbols 承保标志Credit card, fund transfer card, forgery and counterfeit money coverage endorsement 信用卡、转账卡、伪造品和伪币保险批单Credit card, fund transfer card, forgery and counterfeit money 信用卡、转账卡、伪造品和伪币Crime insurance 犯罪保险Criminal law 刑法Current assumption whole life insurance 当期假设终身寿险Current interest rate 当期利率Currently insured 目前被保险Custodian 管理人Customizing equipment coverage endorsement 定制设备保险批单Damages 损害赔偿金Damages 损失Debris removal 损遗物清理Declaration 说明Decreasing term insurance 保额递减型定期寿险Deferred annuity 延期年金Defined benefit plan 规定收益计划Defined contribution plan 规定缴费计划Dental insurance 牙科保险Dependency period 依赖期Dependent property exposures 连带财产风险(间接营业中断风险)Destruction 毁坏DIC, difference in conditions policy 补足保险保单Difference in conditions (DIC) insurance 补足保险Difference in conditions (DIC) policy 补足保险保单Diminution in value 贬值Directors and officers liability policies 董事和经理人责任保险单Disability income insurance 伤残收入保险Disability insured 伤残被保险Disappear 消失Discovery period 发现期Dismemberment 失能Diversification 多元化Dividend options 红利支付选择权条款Drop down coverage 顺延责任保障Dwelling policy 住宅保单EEach occurrence limit 每一事件限额Earthquake endorsement 地震批单Education IRA 教育 IRAElectronic data processing (EDP) equipment floater 电子数据处理设备运输流动保单Eligibility period 资格期Elimination period 免责期间Emergency program 紧急计划Employee benefits liability insurance 雇员福利责任保险Employee dishonesty optional coverage 雇员欺诈行为选择性保障Employee dishonesty 雇员不忠诚Employee 雇员Employers non ownership liability 非雇主所有的汽车责任Employment practices liability insurance 雇用行为责任保险Endorsement 批单Ensuing losses 继发损失Equipment dealers coverage form 设备经销商保单格式Errors and omissions liability policy 过错和遗漏责任保单Estateclearance fund 遗产清理基金Estatesettlement 遗产分配Evidence of insurability 可保性证明Excess liability policies 超额责任保单Exclusive provider organization 专门供应者组织Expediting expenses 加速费用 Experience rating plan 经验费率计划Exposure 风险,风险载体Extended businessincome 延长期营业收入Extended non-owned coverage for named individual endorsement 为记名被保险人扩展非自有车辆责任批单Extended period of indemnity 补偿的延长期期限Extended reporting period 延长报告期Extended term insurance 展期保险Exterior glass optional coverage 外部玻璃选择性保障Extortion 敲诈勒索Extra expensecoverage form 额外费用保障格式Extra expenses 额外费用Extraterritorial provisions 治外法权条款FFAIR plans, beachfront and windstorm plans 公平保险需求计划( FAIR ),海岸及风暴计划FAIR, Fair Access to Insurance Requirements Plans 公平保险需求计划Farm insurance policies 农场保险保单Farm insurance 农场保险Farmers personal liability endorsement 农场主个人责任批单Fatality rate 事故死亡率FDIC, federal deposit insurance corporation 联邦储蓄保险公司Federal surety bond 联邦保证保险FEMA 联邦紧急事务管理局Fiduciary bond 信托担保Fiduciary liability insurance 信托责任保险Film coverage form 影视保单Financial institution bonds 金融机构保证保险Financial planning 财务计划Financial responsibility 经济责任法Finish stock 制成品存货Fire damage limit 火损限额Fire department service charge 消防费用 Fire department service charge 消防局服务费用 Fire legal liability coverage 火宅法律责任保障 First named insured 第一指定被保险人 First party insurance 第一方保险 First-party insurance 第一方汽车责任保险Fixed annuity 定额年金Fixed-amount option 固定给付金额方式 Fixed-period option 固定给付期限方式 Flat deductibles 统一免赔额 Flexible-premium annuity 可变保费年金 Flood insurance policies 洪水保险保单 Floor plan coverage form 抵押物保单格式 Forgery 伪造 Freight 运费 Friendly fire 善意之火Functional replacement cost 同功能重置成本Garage business 汽车经营业务Garage coverage form 汽车服务商保单Garage keepers insurance 车辆照管人保险Garage policy 车库保险General aggregatelimit 全部累计限额General average 共同海损General damages 一般损害赔偿金General provision 一般条款Glass coverage form 玻璃保险Glass or safety glazing material 玻璃或安全玻璃材料Grace period 宽限期Guaranteed cost policies 成本保证保单Guaranteed insurability 保证可保性Guaranteed renewable 保证可续保HHealth insurance, including Medicare 健康保险,包括政府医疗保障保险Health maintenance organization 健康维持组织Highly protected risks 高度保护风险HO- 6 unit-owners form HO-6 共同所有者格式HO-2 broad form HO-2 广义格式HO-4 contents broad form HO-4 室内物品扩展格式HO-8 modified coverage form HO-8 修改的承保范围格式Hold harmless agreement 免除伤害协议Home businessendorsement 家庭商业保险批单Home businessinsurance coverage endorsement 家庭商业保险保障批单Home day care coverage endorsement 家庭日托保险批单Homeowner policy 屋主保单Homeowners 3 special form 屋主保单 3 号特殊格式Hospital expenseinsurance 住院费用保险Hostile fire 恶意之火HPR insurance 高度保护风险保单Hull insurance 船舶保险Hull 船体Human loss exposure 人身损失风险(载体)IImmediate annuity 即期年金Implied permission 默认许可Improvements and betterments 提高和改良Incidental farming personal liability endorsement 附属性农场个人责任批单Incidental motorized land conveyance endorsement 偶用机动化陆地交通工具批单Incontestable clause 不可争条款In creased limit on person al property in other reside ncee ndorseme nt 其他居所个人财产提高责任限额批单Independentcontractor 独立订约人Inflation guardendorsement 抵消通货膨胀批单Inflation guard 通货膨胀保护Inland marine insurance 内陆运输保险Installation floater 安装流动保单Insurable interest 可保利益Insured contract 被保险合同Insured location 承保区域Insured status 被保险资格Intentional tort 故意侵权Interest option 利息给付方式Interest-sensitive life insurance 利率敏感型寿险Interior glassoptional coverage 内部玻璃选择性保障Investing 投资Investment risk 投资风险Irrevocable beneficiary 不可变更受益人ISO, InsuranceServiceOffice 保险服务局ISO'h s omeownerspolicy program manual ISO 屋主保单计划手册Jewelers block coverage form 珠宝保单格式 Joint-and-survivor income option 共同生存收入方式 JUAs 联合承保协会Judgment rating 判断定费发Judicial bond 司法保证KKeogh plan 基奥计划Landlords fu'rnishings 房东的家具Legal liability 法律责任Liability coverage 责任险Liberalization clause 自动承保条款License bond 执照担保Lien holder 留置权人Life income option 终身收入方式Life insurance amount 人寿保险限额Life insurance 人寿保险Limited Mexico coverage endorsement 有限制的墨西哥保险批单Limited payment life insurance 限期缴费终身寿险Limited theft coverage 有限盗窃险Line of business 业务范围Liquidity 流动性Liquor liability coverage form 酒类责任保单格式Litigation 起诉Livestock collision coverage endorsement 家畜碰撞险批单 Long-term care insurance 长期护理保险Loss adjustment endorsement 损失调整批单Loss assessmentcoverage endorsement 损失追征金保险批单Loss assessmentcoverage 损失评估保障Loss assessment 损失追征金Loss conditions 损失条件Loss control 损失控制Loss cost 损失费用Loss exposure 损失风险Loss prevention 防损Loss reduction 减损Mail coverage form 邮件保单Maintenance bond 维修保证Maintenance of underlying insurance condition 维持基本保险条件Maintenance of underlying insurance condition 下层保单的维持条件Major medical insurance 大宗医疗费用保险Managed care plans 管理医疗计划Marine extension clauses 海上保险扩展保障条款Marine insurance 运输保险Market value 市场价值Master deed 业主证书Material fact 重要事实Material misrepresentation 重大不实告知Maximum period of indemnity 最长补偿期限Maximum probable loss (MPL) 最大可能损失Mechanical breakdown optional coverage 机械故障选择性保障Medicaid 政府医疗补助计划Medical expenselimit 医疗费用限额Medical payment coverage 医疗费用赔偿险Medical payment insurance 医疗给付保险Medical payments to others 他人医疗费用保险Medicare 政府医疗保障计划Messenger 信使Mint condition 完好无损Miscellaneous real property coverage 混合不动产保障Miscellaneous type vehicle amendment(motor home)其他车辆修正批单(移动房车) Miscellaneous type vehicle endorsement 多种车辆保险Miscellaneous type vehicle endorsement 其他车辆保险批单Misrepresentation 不实告知Misrepresentation 误告Misstatement of ageor sex 年龄或性别误报条款Mobile equipment 机动设备Mobile home endorsement 活动房屋批单Mobile home insurance 活动房屋保险Mobile home lienholder si'ng s le interest 活动房屋留置权人单方面利益Monetary threshold 货币临界Money andsecuritiesoptional coverage 货币和证券选择性保障Money purchasepensionplan 保费基准制养老金计划Money 现金Monocline policy 单一保险保单Monopolistic statefunds 垄断性州基金Monthly limit of indemnity 每月补偿限额Moral hazard 道德风险Motor carrier coverage form 机动车承运人保单格式Motor truck cargo insurance 卡车货运保险 Multistate revisions 多州修订本Mutual funds 共同基金Named insured 记名被保险人National Council on Compensation Insurance 美国劳工保险委员会National flood insurance program (NFIP) 全国洪水保险计划National flood insurance program, NFIP 国家洪水保险计划National security Council 国家安全理事会Nationwide marine definition 全国范围运输定义Needs approach 需求法Net income 净收入Net worth 净财富Newly acquired auto 新置车辆No-fault automobile insurance 无过失汽车保险Non cancelable 不可撤销Non forfeiture options 不丧失价值选择权条款Nonfiled policies 非归档保单Noninsurance transfer 非保险风险转移Non-owned auto 非自有车辆Nonparticipating policies 非分红型保单Nonrenewable 拒绝续保OObject definitions endorsements 对象定义批单Object 对象Obligee 权利人Occurrence coverage trigger 事故发生式触发机制Occurrence limit 事故限额Occurrence 事件Ocean marine insurance 海洋运输保险Open cargo policy 预约货物运输保单Operation 经营Operations liability exposure 业务经营责任保险Ordinance or law coverage 法令或法律保险Ordinance or law 法令或法律Ordinance or law-increased amount of coverage endorsement 法令或法律—提高保险金额批单Ordinance or law-increased period of restoration endorsement 法令或法律增加的恢复期间批单Ordinary life insurance 普通寿险Ordinary payroll limitation or exclusion endorsement 普通工人工资限制或除外责任批单Other insurance 其他保险Other structure 其他建筑Other structure-increased limits endorsement 其他建筑—提高责任限额批单Other-than-collision loss 非碰撞损失Outdoor signs optional coverage 室外标志选择性保障Out-of-state coverage 州外保险Owner-operators 所有者 -运营者Owners and contractors protective liability coverage 所有人和承包商保护性责任批单PPackage modification factors 一揽子保单修正系数Packagepolicy 一揽子保险保单Paid-up additions 增额缴清保险Participating policies 分红型保单Particular average 单独海损Payment bond 支付保证Peak seasonlimit of insurance endorsement 高峰季节保险金额批单Performance bond 履约保证Peril 风险事故Perils of the seas 海上危险Period of restoration 恢复期间Permanent partial disability 永久部分残疾Permanent total disability 永久全残Permit bond 允许担保Permitted incidental occupancies-residence premises endorsement 许可的附属性占有—住宅房产批单Permitted incidental occupancy endorsement 许可的附属性占用批单Personal and advertising injury limit 个人传播性伤害限额Personal articles floater 个人特定财产保险Personal articles floater 个人物品流动保险单Personal auto insurance 个人汽车保险Personal auto policy 个人汽车保单Personal effects floater 个人流动物品保单Personal injury endorsement 个人伤害批单Personal injury protection 个人伤害保障Personal injury 个人伤害Personal insurance 个人保险Personal liability supplement 个人责任补充保险Personal loss exposure 个人损失风险,个人损失风险载体Personal property floater 个人财产流动保险单Personal property of others 他人个人财产Personal property replacement cost endorsement 个人财产重置成本批单 Personal risk management 个人风险管理Personal umbrella liability insurance 个人伞式责任保险Physical coverage 车身损失险Physical damage coverage 物质损失险Physician v'is s its insurance 医生诊费保险Physicians and surgeons equipments coverage form 医师用具保单格式Physicians professional liability policy 内科医生职业责任保单Pickup 小型运货车PIP endorsement 人身伤害保障批单Point-of-service plan 自选医疗服务机构计划Policy period 保单期Pollutant cleanup and removal 污染物清理和转移Pollution liability coverage form 污染责任保单格式Portability 可移植性Post judgment interest 判决后利息Power, heat,and refrigeration Endorsement 供电、加热及制冷费用批单Pre judgment interest 预断利息Pre-existing conditions 既存病况Preferred provider organization 优先供应者组织Preferred stock 优先股Premature death 早逝Premise liability exposure 营业场所责任风险Premises alarm or fire protection system endorsement 居所警报或防火系统批单 Premium audit 费率审计Premium base 保费基础Preservation of property 财产保存Presumptive disability 推定伤残Principal 被保证人Principle Liability Coverage 基本责任保险Private carriers 私人承运人Private passengerauto 私人轿车Pro rata refund 比例返还Probate 遗嘱检验Products liability exposure 产品责任风险Products-completed operations aggregatelimit 产品及完工累计限额Professional liability policies 职业责任保险单Professional liability 职业责任Profit sharing plan 利润分享计划Proof of loss 损失证明Property damage 财产损坏Property exposed to loss 受险财产Property loss exposure 财产损失风险Property other than money and securities 现金和有价证券外的其他财产Property removed increasedlimit 提高移走财产责任限额Property removed 移走的财产Protection and indemnity (R&I) insurance 保赔保险Protection and indemnity insurance 保护和赔偿金保险Punitive damages 惩罚性损害赔偿金RRate 费率Rater 费率厘定人Rating factors 费率因素Rating 费率制定Readjustment period 重整期Real estate investment trusts(REITs)不动产投资信托Real estate 不动产Reasonable repairs 合理的修理Reducedpaid-up insurance 减额缴清保险Reentry 再投保Regular program 常规计划Reinstatementclause 复效条款Reinsurancefacilities 再保险机构Releasedvaluebill of lading 豁免价值提单Renewable 可续保Replacement auto 重置车辆Replacement cost 重置成本Residenceemployee 住所雇员Residencepremises 住宅房产Residence premises-three or four family dwelling endorsement 住宅房由三个或四个家产庭使用的住宅保险批单Residual disability 后续伤残收入减少给付Residual market 剩余市场Retention 自留Retroactive date 回溯日Retrospective rating plan 追溯费率计划Revocablebeneficiary 可变更受益人Rider 附加条款Risk management 风险管理Robbery 抢劫Roth IRA 税后个人退休账户SSafeburglary 保险箱入室行窃Safe driver rating plan 驾驶者安全行驶费率计划Salvage 救助费用Saving Incentive Match Plan for Employees SIMPLE 计划(匹配雇员储蓄机动计划) Saving 储蓄Scheduled article 表定财产Scheduled personal property endorsement 列举式个人财产保险批单Seasonal increase provision 季节性增加条款Securities 有价证券Self-insured retention (SIR) 自保自留Self-insured retention 自保自留额SEP, simplified employee pension 简化的雇员养老金Separateaccount 分离账户Settlement options 赔付方式选择Severability of insurance 保险的可分性Shared market 共享市场Signs coverage form 标记物保单格式Single liability limit endorsement 单一责任限额批单Small boat policy 小型船只保单Small business boiler and machinery forms 小企业锅炉和机器保障格式Snowmobile endorsement 机动雪橇批单Social Security 社会保障Soft cost coverage 软费用保障Special computer coverage endorsement 计算机特别保险批单Special coverage 特别保障Special damages 特殊损害赔偿金Special flood hazard areas 特别洪水风险地区Special personal property coverage endorsement 特别个人财产保险批单Specialty insurers 专营保险人Specific beneficiary 特定受益人Specific excess 特定超额Specific insurance 特定保险Specific rating 特定费率Specified causesof loss coverage 特定原因损失保障Specified causesof loss 特殊风险事故Split limit 分项限额Stacking 重叠Standard Coverage Homeowners Program 标准屋主保险计划Statute 法规Stop gap coverage 停止差异保障Stop-loss insurance 止损保险Stop-loss provision 止损条款Straight bill of lading 记名提单Straight life insurance 连续缴费终身寿险Strict liability 严格责任Strikes, riots, and civil commotion (SP&CC) endorsement 罢工暴动批单 Structuredsettlement 结构赔付Structures rented to other endorsement 租与他人的建筑批单 Subrogation 代位求偿Sue and labor clause 施救费用条款Suicide clause 自杀条款Supplementary payments 额外给付Surety bonds 保证保险Surety 保证人Surgical expenseinsurance 外科手术费用保险Surviving spouse 遗嘱Survivor benefits 生存者津贴Suspensionof insurance 保险暂停TTax-deferred retirement plans 延税退休计划Tax-sheltered annuities 避税年金Temporary partial disability 短期部分残疾Temporary substitute vehicle 暂时性替代用车Temporary total disability 短期全残Term insurance 定期寿险Theatrical property coverage form 舞台演出用具保单格式Theft 偷窃Third party insurance 第三方保险Thrift plan (orsavingsplan)节约计划(或储蓄计划)Time policy 定期保单Tort reform 侵权法改革Tort 侵权Total disability 全残Totally disabled 完全伤残,全残Towing andlabor costscoverageendorsement 拖车及人工费保险批单Towing andlabor costscoverage 拖车及人工费保险Towing coverage 拖车保障Traditional Individual Retirement Account 传统个人退休账户( IRA )Trailer interchangeagreement 拖车互换协议Trailer interchangecoverage 拖车互换保障Trailer 拖车Trailer/camper body coverage(maximum limit of liability)endorsement 拖车 /野营挂车保险(最大责任限额)批单Transportation 交通Transportation/permission to move 运输、获准移动Trees,shrubs andotherplans 树木、灌丛和其他植物Trip transit policy 单程运输保单UUmbrella and excessliability policies 伞式和超额责任保险Umbrella liability policies 伞式责任保单Umbrella policies 伞式保单Underground storage tank policy 地下贮罐保单Underinsured motorist coverage endorsement 投保不足驾驶者保险批单Underinsured motorist coverage 不足额保险驾驶人保障Underlying insurance 基本保险Underwriting loss 承保损失Underwriting 核保Unearned premium 未赚保费Unemployment compensation programs 失业补偿计划Uninsured motor vehicles 未投保机动车辆Uninsured boater coverage 未投保驾船者保险Uninsured motorists coverage 未保险驾驶人保障Uninsured motorists laws 未保险驾驶人法United states long shore and harbor worker 'c s ompensation act (LHWCA) 美国海岸及港口劳工补偿法案United states Long shore and Harbor Workers 'Compensation Act 美国海岸和港口劳工补偿法案Unit-owner coverage A 共同拥有者保障 A 批单Unit-owner coverage C 共同拥有者保障 C 批单Unit-owner rental to others 房屋租与他人共同拥有者Universal life insurance 万能寿险Unoccupied 无人居住的Unsatisfied judgment fund 未偿判决基金Usual, reasonable, and customary charges 通常、合理并符合惯例( URC)的费用Utility services-time elementendorsement 公共能源和用水服务 -时间因素批单VVacant 空闲的Valuable papersandrecordscoverageform 重要文件和档案保单Valuereporting form 价值报告格式Van 面包车Variable annuity 变额年金Variable life insurance 变额寿险Variable universal life insurance 变额万能寿险Verbal threshold 文字临界Vesting 受领权Vicarious liability 代理人责任Void contract 无效合同Voluntary compensation endorsement 自愿补偿批单Voyage policy 航程保险单WWaiver of premium 保费豁免Warehouseto warehouse clause 仓至仓条款Watch person 看守人Water back and sumo overflow endorsement 污水倒流及排水泵溢出批单Watercraft endorsement 船只批单Watercraft insurance 船只保险Workers compensation and employers liability insurance 劳工补偿和雇主责任保险Workers compensation and employers liability 劳工补偿和雇主责任Workers compensation laws 劳工补偿法Workers compensation statutes 劳工补偿法Workers compensation 劳工补偿Worksheet 计算表Write-your-own program 自承保计划YYearly renewable term insurance 年可续定期寿险Your covered auto 你的被保车辆ZZone rated vehicles 地域定价汽车。