保险术语中英文对照
保险专业词汇英汉对照
保险专业词汇英汉对照acceptance policy 核保政策accounting period 结算期aggregate limit 累积限额aggregated loss 累积损失antiselection 逆选择ART (Alternative Risk Transfer) 新型风险转移balance 所欠款项barrages 堰坝captive pools 自保组合catastrophe risk 巨灾风险ceiding company 分出公司cession limit 分保限额claim-prone 容易出险claims assistance 理赔协助clean cut 结清方式coinsurance 共保commencement and termination 起讫cover 承保cover 责任额deposit premium 预付保费destroyed 毁坏earth caves 土坏房屋EPAevent limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款exclusion 除外责任exposed areas 风险承受区域facultative reinsurance 临时分保fault zone 断层区finite risk 有限制的风险flash floods 骤发洪水flooding of rivers 洪水泛滥frame structure 框架结构full coverage 全额承保full insurance value 足额保险价值full liability 全部责任Geophysics Institute 地球物理研究所GNPI 总净保费收入hailstorm 雹暴heavy damage 严重破坏hollow brick wall 空斗砖结构hour clause 小时条款hurricane 飓风individual losses 单一损失insurability 可保性insured losses 保险损失intensity 烈度layering 层次less exposed 损失可能性小liability 责任light damage 轻度破坏line slips 分保条loading 附加费loss occurrence 损失发生loss occurring basis 损失发生基础loss participation 分担损失loss settlement 损失赔付magnitude 震级malicious damage 恶意损害moderate damage 中度破坏multi-story building 多层建建筑Munich Re 慕尼黑再net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例再保险notification 告知object 标的obligatory reinsurance 固定分保original deductibles 原始免赔额original rate 原始费率paid-up capital 已付资本peak accelerator 峰值加速度peril 危险PICC Re 中保再placement 安排PML 可能最大损失policyholder 保单持有者pool 共保组合portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐premium 保费previous losses 既往损失priority 分保自留额priority 自付责任proportional reinsurance 比例再保险rainstorm 雨暴rating 费率reinforced concrete building 钢筋混凝土建筑reinstatement 恢复保额reinsured 分出公司reinsurer 再保险人retention 自留额retention areas 滞洪区return period 重现期revoke license 吊销营业执照seaquake 海震second event cover 第二事件承保securitization 证券化seismic demage 震害set-off 抵销shear wall structure 剪力墙结构single 险位超赔spread loss 分散风险stop loss 赔付率超赔storm surges 风暴潮susceptibility of goods to water 易受水浸性tarrif 费率表TG 拐点周期tidal wave 海啸topographic map 地形图tornado 龙卷风total sum insured 总保额treaty-limits 合约限额tube structure 筒体结构underwriting policy 承保政策windstorm 风暴险种及险别险种health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance during a period of illness 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险social insurance 社会保险personal property insurance 个人财产保险insurance of contents 家庭财产保险险别Free from Particular Average（F.P.A.）平安险With Particular Average （W.P.A.）水渍险All Risks 一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss) 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险on deck risk 舱面险保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，利损险Advance profit预期利润broker经纪人Business Interruption Insurance (BI)营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlementcombined ratio综合赔付率Consequential Loss (CL)后果损失Contractor's All Risks (CAR)建筑工程一切险（建工险）cover保障Delay in completion完工延误EEI电子设备险engineering insurance工程保险Erection All Risks (EAR)安装工程一切险（安工险）excess of loss cover超额赔偿EX L protection超赔保障facultative business临分保IBRNIncurred but not reported losses 已发生但未报的损失IBRN reserveIBRN 储备金indemnity period/limit赔期/期限inflated claim超额索赔insurance capacity承保能力insured property参保物业Kobe神户劳合社long-tail长尾Loss of profit利损险Machinery (Breakdown) Insurance 机器（损坏〕险，机损险mail/sub-contractor主/分承包商maintenance保证期multiple claim多次（重复）索赔non-life非寿险officer & director liability雇主保险outstanding claim reserve未决索赔准备金PC industryproperty & catastrophe industry peril危险policy保单pool联营possible maximum loss可能的最大损失premium保费primary insurance company原保公司、主保险商principal/employer业主professional专业险profit margin利润边际property财产险proportional cover比例分保punitive damage惩罚性损害rate费率reinsurer分保人（分保公司）reinsurer再保人reserve准备金retention自留return period（巨灾）间隔期short-tail短尾solvency margin赔偿能力standing charges维持费用subject insured风险标的sum insured保额tarrif zone险区Third Party Liability (TPL) 第三者责任险treaties business合同分保turnover营业额underwriting承保working expenses /cost 营业费用writing承保。
保险术语中英文对照
保险术语保险（Insurance）从法律角度来看，保险是保险人和投保人双方的合同安排，保险人同意赔偿损失或给付保险金给被保险人或收益人，投保人通过购买保险单位把风险转移给保险人。
保险法（Law of Insurance）调整保险活动中保险人与投保人、被保险人以及收益人之间的法律关系的重要民商事法律，是国家对保险企业、保险市场实施监督管理的法律。
保险法具体可分为以下四种：（1）保险契约法，也叫保险合同法，是构成保险法的核心内容；（2）保险业法，又叫保险业监督法，是国家对保险业管理、监督的法律规范；（3）保险特别法，是相对于保险合同法而言的，具体是指保险合同法以外，规范于民商法中特殊保险关系的法律和规范，如海商法中的海上保险法；（4）社会保险法，是国家就社会保障所颁发的法令总称。
我国1995年6约30日通过的《保险法》，是建国以来的第一部保险基本法，采用了国际上一些国家和地区集保险业法、保险合同法为一体的立法体系，形成了一部较为完整、系统的保险法律。
我国《保险法》共8章，分别为总则、保险合同、保险公司、保险经营规则、保险业的监督管理、保险代理人和保险经济人、法律责任和附则，共计152条。
保险公司（Insurance Company）指经政府有关当局批准，依照法律要求设立的从事经营商业保险业务的法人。
通常意义上来讲，保险公司就是保险人或承保人。
保险公司经营保险业务，与投保人订立保险合同，收取保险费，组织保险基金，并在保险事故发生或保险期限届满后，对被保险人赔偿损失或给付保险金。
保险合同（Insurance Contract）指投保人支付规定的保险费，保险人对承保标的因保险事故所造成的损失，在保险金额范围内承担赔偿责任，或者在合同约定期限届满时，承担给付保险金义务的协议。
保险单（Policy）保险人与被保险人顶立保险合同的正式书面证明。
保险单上规定的有关保险人与被保险人的权利、义务及其他保险事项的条文。
保险专业词汇中英文
保险专业词汇中英文
保险行业涉及大量的专业术语，这些术语在中文和英文中都有其特定的表达方式。
以下是一些常见的保险专业词汇及其对应的中英文对照：
保险(Insurance)
保单(Insurance Policy)
保险人(Insurer)
被保险人(Insured)
受益人(Beneficiary)
保费(Premium)
赔款(Claim Payment)
免赔额(Deductible)
赔偿限额(Limit of Indemnity)
风险(Risk)
再保险(Reinsurance)
承保(Underwriting)
拒保(Decline to Insure)
解除保险(Cancellation of Insurance)
续保(Renewal of Insurance)
核保(Risk Assessment)
理赔(Claim Settlement)
等待期(Waiting Period)
保险期间(Policy Period)
保险责任(Insurance Liability)
这只是保险专业词汇中的一小部分，实际上，保险行业的专业术语非常丰富。
在实际应用中，建议参考相关的保险行业标准和规范，以确保术语使用的准确性和专业性。
保险词汇中英对照
保險詞彙英中對照表Abandonment 委付Above Normal Loss 異常損失Absolute Assignment 自由讓與Absolute Liability 絕對責任Absolute Ownership 絕對所有權Abstract 摘要卡Accelerative Endowment 提前滿期Accelerated Option 提前滿期選擇權Accelerated Paid-up or Endowment 縮短繳費期間或提前滿期Acceptance 承諾Accepted Value 承諾價額Accepting Office 分進公司Accident 意外事故Accident Control or Prevention 意外事故控制或預防Accidental Death And Dismemberment Benefit 意外死亡及四肢缺失、視力喪失給付Accidental Death Benefit 意外死亡給付Accidental Death Insurance 意外傷害死亡保險Accident Frequency 意外事故發生頻率Accident Insurance 意外保險Accident Rate 事故率Accident Severity 意外事故損失幅度Accident Year Experience 事故年經驗Accommodation Business 融通業務Accommodation Risk 融通危險Account Premium Modification Plan 保險費調整計劃Accounts Receivable Insurance 應收帳款保險Act Insurance 政策性保險Accumulation System 定額保險費Actual Cash Policy 實際現金價值保險單Actual Cash Value 實際現金價值Actual Loss Ratio 實際損失率Actual Present Value 實際現值Actual Total Loss 實際全損Actuary 精算師Affirmative Warranty 認定保證Agency Department 展業部Agency Plant 代理系統Agent 代理人Agent Captive 專屬代理人Agent Expense 代理費用Agent General 總代理人Agent Independent 獨立代理人Agent Local 當地代理人Agent Policy-Writing 簽單代理人Agent Special 特約代理人Agent State 州代理人Agent's Authority 代理人權限Agent's Balance 代理人佣金Aggregate Annual Deductible 累積年自負額Aggregate Excess Of Loss Cover 累積超額賠款再保險Aggregate Limit 累積限額Agreed Value 約定價值Agricultural Insurance 農業保險Aleatory Contract 射倖契約Amount of Loss, Claim 保險金Assessment Method 不定額保險費Assignment Of Policy Clause 保險單轉讓條款Automatic Reinstatement Clause 保險金額自動恢復條款Automatic Sprinkler Leakage 自動消防裝置滲漏BBinder, Binding Slip 暫保單Blanket Policy 總拓保險契約Balance 餘額Balanced Security 平衡的安全Balance Sheet 資產負債表，平衡表Balance Sheet Reserve 退休金－平衡表準備金Balance Sheet Reserve Plan 退休金－平衡表準備金方式Bank Check Plan 鋃行帳戶轉帳繳納保費制度Bank Loan Insurance 銀行貸款保險Bankrupt 破產Bankruptcy 宣告破產Bank Trusteed Retirement Plan 銀行信託型退休計劃Base Pay 基本薪資Basic Hospitalization 基本住院給付保險Basic Premium 基本保費Basic Rate 基本費率Basic Split-dollar Plan 基本保費分擔計劃Before-tax Earnings 稅前所得Beneficial Interest 保險契約權益Beneficiary 保險受益人Breach Of Contract 違反契約條款Broker 保險經紀人Brokerage Agency 經紀人公司Brokerage Business 經紀人招攬契約Brokerage Department 經紀人部門Broker-Agent 經紀人代理店Burglary And Robbery Insurance 竊盜保險Burial Insurance 喪葬保險Business 保險契約Business Interruption Insurance 營業中斷保險Business Continuation Insurance 專業繼續保險Business Continuation Plan 事業繼續保險計劃Business Health Insurance 企業健康保險Business In Force 有效契約Business Liability Insurance 事業責任險Business Insurance 企業保險Business Life Insurance Trust 企業壽險信託Business Overhead Expense Insurance 事業經費保險Business Under Common Control 共管企業Buy Term And Invest The Difference Buy-Sell Agreement 經營權買賣協議Bilateral Contract 購買定期險與投資差額保費CCancelable 可終止保險單Cancellation 終止Capital Sum 最高給付金額Captive Insurance 專屬保險Cargo Insurance 貨物保險Cash Claim 現金賠款Cash Payment 現金給付Cash Value 現金價值Calendar Year Experience 曆年度經驗Calendar Year Major Medical Plan 曆年式高額醫療費用保險Call 招攬拜訪Canada Pension Plan 加拿大退休金計劃Cancelable Contract 可解除契約Cancellation 解約Canvassing Account 新契約保費帳戶Capacity 承保能力、最高承保限額Capital 資本Capital Assets 資本性資產Capital Budget 資本預算表Capital Charges 資金費用Capital Conservation Method 資金不動用方法Capital Expenditures 資本支出Capital Gain 資本利得稅Capital Goods 資本財Capitalization 現值化Capitalization of Interest 利息滾入本金Capitalization Rate 現值化利率Capital Loss 資本損失Capital Market 資金市場Capital Need Analysis 資金需求分析Capital Net Worth 資本淨值Capital Stock 股本Capital Stock Insurance Company 壽險股份有限公司Capital Sum 一次給付金Capital Utilization Method 資金利用法Captive Agent 專業外務員Career Agency 專業代理店Career Agent 專業外務員Career Average 服務期間平均薪津法Career Average Formula 服務期間平均薪津方式Career Path 專業外務員訓練課程Career Presentation 專業介紹Carrier 保險業者Carryback Period For Employer Contributions 僱主醵出金之後轉期間Carryback (Carryforward) Provision 後轉條款、前轉條款Carryover Basis 移轉稅基Cash Account (代理人) 現金帳Cash Assets 現金資產Cash Basis of Accounting 現金制會計Cash Equivalents 相等現金資金Cash Refund Annuity 現金立即償還年金Cash Surrender Value 解約退還金Cash Value 現金價值Cash Value Policy 有解約退還金保險Casualty Actuarial Society 美國災害保險精算學會Casualty Index 災害保險情報引得(索引)Casualty Insurance 災害保險Catastrophe 巨災Catastrophe Hazard 巨災危險Catastrophe Insurance 高額醫療費用保險Catastrophe Reinsurance 巨災再保險、異常災害再保險Ceding Commission 分保佣金Cede 分保Center of Influence 介紹準客戶之協力者Cedent 分保人Cession 分保單位Certificate Insurance 保險證Certificate of Authority 權限證書、營業許可書Certificate of Convenience 臨時執照Certified Employee Benefit Specialist 公認企業員工福利士Cestuique Trust (信託) 受益人Cestuique vie (泛指) 被保險人Change of Beneficiary Provision 變更受益人條款Change of Plan Provision 變更保險計劃條款Charitable Bequest 慈善遺贈Charitable Gift 慈善捐贈Contingency Reserve 危險準備金Charitable Trust 慈善信託Charter 營業狀、營業證書Chartered Financial Analyst 公認財務分析師Chartered Life Underwriter (CLU) 公認壽險師Capitalization Method 準備金提存方式Cheap Takeover 廉價接收Check-o-matic 銀行存款帳戶轉帳繳納保費制度Contract of Indemnity 損害賠償合約Child's Benefit 育兒給付Claim 請求給付保險金賠償Claimant 申請保險給付者Claim Reserve 理賠準備Class 同一危險集團Classification 危險等級集團分類Classified Insurance 缺陷體保險Classified Risk 缺陷體危險Class Rate 級別費率Clause 條款Clean-up Fund 善後清償基金Clearance Fund 善後清償基金Client 當事人、客戶Close 促成簽約Close Corporation 股票未上市公司Close Corporation Insurance 股票未上市公司事業保險Closed Contract of Insurance 不得變更保險契約Close-end Mutual FundClosed-end Investment Company 資本額固定之投資信託公司CLU 公認壽險師Coinsure 共同保險Cold Canvassing 直衝招攬Cold Leads 直衝招攬Collateral Assignment 擔保讓與Collateral Assignment Plan 擔保讓與保險計劃Collateral Bond 擔保債券Collateral Loan 擔保貸款Collection Book 收費帳簿Collection Fee 收費費用College of Insurance 保險大學College Retirement Equities Fund (CREF) 大專退休基金會Collegia (古羅馬) 互助協會Combination Agency 兼售普通壽險和簡易險代理店Combination Company 兼售普壽與簡易險公司Combination Funding Plan 壽險與年金混合契約Combination Plan 混合型退休金制度Combination Policy 組合保險Combined Annuity Mortality Table 綜合年金死亡表Combined Group 聯合企業集團Combined Sigle Limit 單一責任限額Commercial Bank 商業銀行Commercial Health Insurance 商業健康保險Commercial Inspection Report 商業調查報告Commercial Insurance 營利保險、商業健康保險Commercial Policy 商業健康保單Commercial Report 商業調查報告Commission 佣金Commission, Contingent 利益佣金Commissioner 州利益佣金Commissioner 州保險監督官Commissioners Disability Table 標準殘障表Commissioners 1941 Standard Ordinary Table 1941年普通保險監督官標準死亡表Commissioners 1958 Standard Ordinary Table 1958年普通保險監督官標準死亡表Commissioners Standard Industrial Mortality Table 1961 1961年簡易保險監督官標準死亡表Commissioners Values NAIC 有價證券價格Commission of Authority 委任狀Commissions, Graded 等級佣金Contract of Indemnity 損害補償契約Consequential loss Insurance 從屬損失保險Claim Reserve 賠款準備Classified Premium 分類保險費Coinsurance 共保Coinsurer 共保人Coinsurance Clause 共保條款Coinsurance Percentage 共保比例Collective Insurance 集合保險Compulsory Insurance 強制性保險Contract of Utmost Good Faith 誠信契約Contract of Consideration 有償契約Contribution Clause 賠款分擔條款Co-operative Insurance Society 保險合作社Crop Insurance 收穫保險Conditional Contract 附條件契約Contract of Adhesion 附合契約Conditional Contract 繼續契約Collective Insurance Contract 集合保險契約Constant Method 固定法Constraint and Percentage Method 固定與比例混合法Capitalization Method 準備金提存方式Contingency Reserve 危險準備金Ceding Commission 分保佣金DDate Of Expiration 到期日Date Of Grace 寬限到期日Date Of Inception Of The Policy 保險單起保日Date Of Issue 簽單日Date Of Policy 保險單生效日Date Of Subscription The Policy 保險單起迄日Date Of Grace 寬限期間Declaration Policy 陳報保險單Declination 拒保Deductible 自負額Deductible Clause 自負額條款Degree of Risk 危險程度Deposit Premium 預付保險費Double Insurance 複保險Data Interview 面談Date Of Expiration 終止(滿期) 日Date Of Issue 發單日Date Of Last Payment 最近一次保費應付日Date Of Maturity 滿期日Date Of Policy 契約生效日Date Of Grace 寬限到期日Death Benefit 死亡給付Death Benefit For Parents 雙親受領之死亡給付Death Claim 死亡給付請求EEndorsement 批單Earned Income 勤勞所得Earned Premium 經過保費Earnings 勤勞所得Economic Benefit 實質給付Economic Life Value 生命的經濟價值Educational Trust 教育資金信託Education Insurance 教育保險Effective Date 生效日Elective Benefits 選擇給付Elapsed Years 經過年數Elective Indemnities 選擇給付Eligibility Requirement 適格要件Eligible Employees 適格員工Eligible Expense 適格醫療費用Elimination Period 除去期間Emergency Accident Benefit 緊急處理給付Emergency Expense Benefits 緊急經費給付Emergency Fund 鰥緊急準備金Employee 從業員工individual, Owner-employee, Junior Partner, Common-law Employee. Employee Benefit Programs 員工福利給付計劃Employee Contribution 員工醵出金Employee Organization 從業員團體Employee Pension Benefit Plan 員工退休金給付計劃Employee Retirement Income Security Act 受雇人員退休所得保障法Employee Stock Ownership Plan 員工持有公司股退休年金制度Employee Stock Ownership Trust 員工持有公司股票信託Employees' Trust 員工信託Employee Welfare Benefit Plan 員工福利給付計劃Employer's Liability Insurance 僱主責任保險Employment Benefit Plan 雇用給付計劃Endless Chain Prospecting 連鎖式保戶開拓法Endorsement 批註(條款)Endow 滿期Endow At Age 100 百歲滿期Endowment 養老保險Endowment Amount 滿期保額Endowment At Age 65 65 歲滿期Endowment Insurance Policy 養老保險保單Endowment Policy 養老保險保單Enemy Alien 敵對國Enrollment Card 登記卡ENTAIL 限嗣繼承不動產Entire Contract Clause 完全契約條款Entirety, Estate By (夫妻) 聯合財產Entity Plan 共同經營法人保險Entry Age Normal 普通加入年齡Entry Age Normal Method 普通加入年齡式退休金成本計算法Equity 純資產Equity 公平性Equity 衡平法Equity 持分Equity Annuity 變額年金Equity, Estimated Total 估計總淨值Equity Linked 變額Equity Rate 變動費率Equity Value Holding 變額性投資ＥRISA 受雇人員退休所得保障法Estate Planning 遺產設計Estate Protection 財產保全Estate Settlement 遺產分配Estate Shrinkage 遺產滅損Estate Tax 遺產稅Estate Transfer 財產移轉Estimated Premium 臨時保費Estimated Total Equity 估計總淨值Evidence Of Insurability 可保性證明Exact Date Of Exhaust 耗竭日Exact Interest 實計利息Examination 體檢Examination Under Oath 切結給付條款Examined Business 已體檢契約Examiner 體檢醫生Examiner 稽查Expected Period 除外期間Exception Of Proceeds Provision 保險金支付禁止規定Excess Arrears 逾期滯繳Excess Compensation 超額補償Excess Contribution 超額醵出金Excess Cover For Catastrophe 巨災超額賠款再保險Excess Initial Expense 初年度超額費手Excess Insurance 超額保險Excess Interest 超額利息Excess Limit 超過限定額Excess Line Broker 超額保險經紀人Excess Of Loss Reinsurance 超額再保Excess Plan 額外退休計劃Excluded Period 除外期間Exclusion 免責條款Exclusion Allowance 寬減額Exclusion Clause 除外條款Exclusion Ratio 寬減率Exclusive Agency System 專屬代理店制度Exclusive Agent 專任外務員Executed Contract 已履行契約Executed Trust 已設定信託Executor 遺囑執行人Executory Contract 未經履行契約Executory Trust 未設定信託Exemption Of Proceeds Provision 保險金債務豁免條款Exempt Pension Trust 免稅退休金信託Ex Gratia Payment 慰問給付Exhaust Loan 超過解約退還金的貸款Exhibit 明細表Expectancy Policy 平均餘命保險Expectancy Policy 妊娠定期健康保險Expectation Of Life 平均餘命Expected Mortality 預定死亡率Expenditure, Capital 資本支出Expense 營業費用Expense Allowance 費用補助Expense Factor 費用要素Expense Loading 附加保險費Expense Of Management 經營費用Expense Ratio 費用率Expense reimbursement allowance 經費支出補助Expense Reserve 經費準備金Expense Incurred 發生經費Expense Paid 費用支出Experience 經驗Experience And Service Table 從業員在職存經驗表Express Conditions 明示條款External Coinsurance 對外共同保險Excess Coverage 超額賠償責任Extended Cov 火災保險附加險Export Insurance 輸出保險Extra Charges 額外費用Expected Morbidity 預定罹病率Expense Constant 定額附加保費FFull Value Insurance 足額保險Facultative Certificate Of Reinsurance 臨時再保險證明書Facultative Obligatory Treaty 臨時拘束性合約再保險Fallen Building Clause 建築物傾倒條款Falling Aircraft&Vehicle Impact Form 航空器墜落、機動車輛碰撞保險Family Automobile Policy 家用汽車保險單Fidelity Insurance Clause 員工誠實保險條款Fiduciary Bond 受託保證保險Financial Responsibility Law 財務責任法Fine Arts Floaters 藝術品流動保險Fire 火災Fire Friendly 善火Fire Hostile 惡火Fire Insurance 火災保險Fire Wall 防火牆First Loss Insurance 損失優先賠付保險First arty Insurance 第一者保險Flat Rate 毛費率；判斷費率Floaters 流動保險Floating Policy 流動保險單Floating Stock 流動貨物Floor Plan Insurance 墊款銷售保險F.O.B. Plane 飛機上交貨價F.O.B. Train 火車上交貨價F.O.B. Truck 卡車上交貨價Forwarding Charge Clause 轉運費用條款Formal Contract 要式契約Foul Bill Of Lading 不潔提單Franchise Clause 起賠額條款Free Of Claim For Accident Reported 已知事故免責Free Of Particular Average Clauses, F.P.A. Clauses 平安險條款Free On Board, F.O.B. 船上交貨價Freight Abandonment Clauses 不要求運費條款Freight Waiver Clause 放棄運費條款Full Conditions 完全條件Full Reporting Clause 據實申報條款Full Value Insurance 足額保險Funds Held By Ceding Companies 存出再保責任準備Furrier's Customer's Insurance 皮貨商顧客保險Formal Contract 要式契約Fire Damage 火災損害Finish Stock 製程品存貨Fraudulent Misrepresentation 詐欺First Loss Insurance Clause 實損實賠保險條款General Agency 總代理店General Agency System 總代理店制度General Agent 總代理人General Condition 基本條款GAMS 區域總代理人與外勤經理協會General Market 一般市場General Operating Expenses 總營業費用General Partnership 普通合夥General Power Of Appointment 普通指定權Geographical limitations 地區限制Gift 贈與Gift Causa Mortis 死因贈與Gift Inter Vivos 生前贈與Gift Of Future Interest 遠期贈與Gift Tax Credit 贈與稅扣除額Gift Tax Marital Deduction 贈與稅配偶扣除額Gimmicks 花招Give 贈予Goodwill 商譽Government Benefit Plans 政府給付計劃Grace Period 寬限期間Graded Death Benefits 階段式死亡給付、削滅死亡給付Graded Premium Lift Insurance 階段式繳費保險Graded Vesting 賦予等級受領權Grant 讓與Grantee 受讓人Grantor 讓與人Gropsack General Agent 普通流動性業務員Gross cost 總成本Gross Earning 毛收入Gross Estate 總遺產Gross Line 總危險額Gross Net Premium 純總保費Gross Premium Valuation 營業保費評價法Gross Rates 營業保險費費率HHazard 危險Hazard, Moral 道德危險Head Office 總公司Head Of House 扶養人Head Start Fund 提早開始基金Health And Accident Underwriters Conference 健康意外保險人協會Health Certificate 健康聲明書Health Insurance 健康保險Health Insurance Association Of America 美國健康保險協會Health Insurance Benefits 健康保險給付Health Insurance Classifications 健康保險種類Health Insurance, Group 團體健康保險Health Insurance Institute 健康保險研究所Health Insurance Quality Award 健康保險繼續率優良獎Health Maintenance Organization (HMO) 保健組織Health Plans, Corporate 企業健康保險計劃Health Policy 健康保險Health Systems Agencies 健診儀器諮詢會Heir 繼承人Held In Trust 託管信託Hereditaments 繼承財產Highest And Best Use Value 最高利用價值High-Pressure Selling 強迫招攬High Risk 高風險體HMO 保險組織Home Insurance 住宅保險Home Office 總公司Home Office Life Underwriter Association 總公司核保人協會Honesty Clause 誠信條款Honorable Undertaking 互信契約Honoring 按時履行義務，兌現Hospital Benefit 住院給付Hospital Expense Insurance 住院費用保險Hospital Income Insurance 住院所得保險Hospital Indemnities 住院補償Hospitalization Insurance 住院保險Hospitalization Policy 住院保險Hospital Miscellaneous Benefits 住院雜項費用給付Hospital Room Benefits 病房費用給付Hospital/Surgical (Expense) Insurance 住院及外科手術保險Hour Of Service 服務時數House Confinement Clause 在家療養條款Household 家HR-10 Plan 參見Human Depreciation Concept 人員折耗論IIndividual, Owner-employee, Junior partner, Common-law Employee. Employee Benefit Programs 員工福利給付計劃Identification Clause 身份確認給付條款Illegal Holding Of Premiums 保費非法處置、保費流用Illness Frequency Rate 罹病頻率Illness Severity Rate 疾病強度率Impersonal Contract 非對人契約Immediate Annuity 即時付年金Immediate Estate 立即遺產Immediate Life Annuity 即時付生存年金Immediate Participation Guarantee Plan 直接參加保證給付式團體年金Immediate Vesting 立即受領權Impaired Capital 資本減損Impaired Risk 弱體Impairment 缺陷、弱體狀況Impairment Of Capital 資本減損Imperfect Trust 不完全信託Implied Consent 暗示同意Implied Contract 默示契約Implied Trust 暗示信託Implied Warranty 暗示擔保Inadmitted Asset 未認可資產Incidental Life Insurance Protection 附帶的壽險保障Incidents Of Ownership (保單) 所有權之附帶權利Includible Compensation 可包括薪Income 收入Income Bond 退休年金Income Continuation Agreement 所得繼續協定Income, Earned 勤勞所得Income-Earning ability 所得能力Income Fixed 定額所得Income Insurance 年金保險Income Policy 年金保險Income Protection 殘疾所得補償保險Income Provider Plans 家庭扶養年金保險Income Settlement Options 年金式保險金給付選擇權Income Statement 損益表Incompetent 公司的財務營運，將公司某一段期間的收入和費用列入予以結算的財務報表。
保险业常用词汇中英文对照
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。
保险单中英文术语
保险单中英文术语1.Risks&Coverage险别(1)free from particular average(F.P.A.)平安险(2)with particular average(W.A.)水渍险（基本险）(3)all risk一切险（综合险）(4)total loss only(T.L.O.)全损险(5)war risk战争险(6)cargo(extended cover)clauses货物（扩展）条款(7)additional risk附加险(8)from warehouse to warehouse clauses仓至仓条款(9)theft,pilferage and nondelivery(T.P.N.D.)盗窃提货不着险(10)rain fresh water damage淡水雨淋险(11)risk of shortage短量险(12)risk of contamination沾污险(13)risk of leakage渗漏险(14)risk of clashing&breakage碰损破碎险(15)risk of odour串味险(16)damage caused by sweating and/or heating受潮受热险(17)hook damage钩损险(18)loss and/or damage caused by breakage of packing包装破裂险(19)risk of rusting锈损险(20)risk of mould发霉险(21)strike,riots and civel commotion(S.R.C.C.)罢工、暴动、民变险(22)risk of spontaneous combustion自燃险(23)deterioration risk腐烂变质险(24)inherent vice risk内在缺陷险(25)risk of natural loss or normal loss途耗或自然损耗险(26)special additional risk特别附加险(27)failure to delivery交货不到险(28)import duty进口关税险(29)on deck仓面险(30)rejection拒收险(31)aflatoxin黄曲霉素险(32)fire risk extension clause-for storage of cargo at destination Hongkong,including Kowloon,or Macao出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款(33)survey in customs risk海关检验险(34)survey at jetty risk码头检验险(35)institute war risk学会战争险(36)overland transportation risks陆运险(37)overland transportation all risks陆运综合险(38)air transportation risk航空运输险(39)air transportation all risk航空运输综合险(40)air transportation war risk航空运输战争险(41)parcel post risk邮包险(42)parcel post all risk邮包综合险(43)parcel post war risk邮包战争险(44)investment insurance(political risks)投资保险（政治风险）(45)property insurance财产保险(46)erection all risks安装工程一切险(47)contractors all risks建筑工程一切险2.the stipulations for insurance保险条款(1)marine insurance policy海运保险单(2)specific policy单独保险单(3)voyage policy航程保险单(4)time policy期限保险单(5)floating policy(or open policy)流动保险单(6)ocean marine cargo clauses海洋运输货物保险条款(7)ocean marine insurance clauses(frozen products)海洋运输冷藏货物保险条款(8)ocean marine cargo war clauses海洋运输货物战争险条款(9)ocean marine insurance clauses(woodoil in bulk)海洋运输散装桐油保险条款(10)overland transportation insurance clauses(train,trucks)陆上运输货物保险条款（火车、汽车）(11)overland transportation insurance clauses(frozen products)陆上运输冷藏货物保险条款(12)air transportation cargo insurance clauses航空运输货物保险条款(13)air transportation cargo war risk clauses航空运输货物战争险条款(14)parcel post insurance clauses邮包保险条款(15)parcel post war risk insurance clauses邮包战争保险条款(16)livestock&poultry insurance clauses(by sea,land or air)活牲畜、家禽的海上、陆上、航空保险条款(17)…risks clauses of the P.I.C.C.subject to C.I.C.根据中国人民保险公司的保险条款投保……险(18)marine insurance policies or certificates in negotiable form, for110%full CIF invoice covering the risks of War&W.A.as per the People's Insurance Co.of China dated1/1/1976. with extended cover up to Kuala Lumpur with claims payable in(at) Kuala Lumpur in the currency of draft(irrespective of percentage)作为可议付格式的海运保险单或凭证按照到岸价的发票金额110%投保中国人民保险公司1976年1月1日的战争险和基本险，负责到吉隆坡为止。
保险业常用词汇中英文对照
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
欢迎共阅保险业常用词汇中英文对照第一部分：保险承保业务1、一般保险原理保险insurance保险业insurance industry2、财产保险财产保险property insurance长尾long－tail长期护理保险long—term care insurance短尾short－tail综合赔付率combined ratio自留retention车险auto insurance财产保险property insurance责任保险liability insurance农业保险agricultural insurance巨灾保险catastrophe insurance意外伤害保险casualty accident insurance团险group insurance限期缴费终身寿险limited—payment whole life insurance 养老保险endowment insurance医疗保险insurance for medical care医疗费用保险medical expense insurance终身寿险whole life insurance准备金reserve伤残收入保险disability income insurance失能incapacity可变万能寿险Variable-universal life insurance可变年金Variable annuity评估价值Appraisal Value内含价值Embeded Value新业务价值Value of New Business第二部分保险资产管理1、行业主体和监管保险资产管理insurance asset management保险法insurance law保险资产管理公司insurance asset management company中国人保集团People's Insurance Company of China(简称PICC)中国人保资产管理公司PICC Asset Management Company Limited慕尼黑再保险资产管理公司Munich ERGO Asset Management GmbH（简称MEAG）中国保监会China Insurance Regulatory Commission（简称CIRC）保险投资“新政”innovation policies in insurance investment可投资资产investable asset投资公司法案Investment Company Act4、类别投资固定收益投资fixed-income investment持有到期类资产held-to-maturity asset交易类资产trading asset可供出售类资产asset available for sale股票投资equity investment基金投资fund investment另类投资alternative investment境外投资overseas investment基础设施债权计划infrastructure debt investment plan 未上市企业股权投资private equity investment不动产投资real estate investment利率互换Interest Rate Swap（简称IRS）。
保险领域行业词汇 中英对照
信用合作社=credit union精神上痛苦=pain & suffering保險費交付方式=premium mode到達年齡=attained age公共意外責任保險=liability insurance, public公共意外責任保險=public liability insurance專門職業責任保險=professional liability insurance不保項目=exclusion一次給付死亡理賠金=lump sum death benefit保證保險=bond投保證明=certificate of participation利率敏感型終身壽險=interest-sensitive whole life平準保險費=level premium比率溢額再保險=quota surplus reinsurance不適航=unseaworthiness責任綜合保險=liability insurance, comprehensive general 估價=appraisal其他保險條款=other insurance clause傢俱衣李保險=contents insurance傢俱衣李保險=household contents insurance標準條款=standard insurance contract provision標準條款=standard provisions相互保險公司=mutual company相互保險公司=mutual insurance company客戶關係管理=customer relationship management（CRM）信用人壽保險=credit life insurance信用人壽保險=creditor life insurance信用人壽保險=insurance, credit life信用人壽保險=life insurance, credit投資組合=investment portfolio投資組合=portfolio保險索賠=insurance claim保單紅利=policy dividend保單紅利=policyholder dividend重要員工=key employee（key person）現金餘額計畫=cash balance plan現值化=capitalization公證報告=survey report復效=reinstatement復效=revival提前給付人壽保險=acceleration life insurance時效=statute of limitation終身年金保險=life income policy要保書=proposal要保書=application承租人保險=renters insurance保單質押貸款=loan on policy保單質押貸款=policy loan即期年金=annuity, immediate即期年金=immediate annuity生死合險=endowment生死合險=endowment assurance生死合險=endowment insurance人壽保險被保險人=life insured曆年制已發生賠款=calendar year accounting incurred losses 履約保證保險=bond, performance履約保證保險=performance bond終身人壽保險=whole life insurance保險單紅利選擇權=participating policy dividend option分進再保險=reinsurance assumed洪水險承保約定=flood coverage保險單面值=face value of the policy縱火=arson保單現金價值滅失日=date of exhaust, exact保單現金價值滅失日=exact date of exhaust危險自留=risk retention相互保險社=mutual insurance association附加高額醫療保險=supplemental major medical insurance保險證=certificate of insurance保險證=certificate, insurance事故發生基礎承保式=occurrence form財產保險=property insurance長期失能=long-term disability法定年齡=legal age公認財務顧問師=Chartered Financial Consultant（ChFC）固定所得與本金保單=income and principal policy保單持有人=policyholder保全=conservation團體人壽保險=life insurance, group每日住院給付=daily hospital benefit告知=representations告知=disclosure現值因子=present value factor索賠=claim索賠=claims made要保人=applicant要保人=applicant for insurance要保人=proposer營建工程保證保險=construction bond逆仲介=disintermediation長期失能保險=long-term disability income insurance 長期失能保險=permanent health insurance（PHI）震災保險=earthquake insurance個人簡易壽險=individual life insurance承保業務內容組合=portfolio風險移轉=risk transfer風險移轉=transfer of risk利率風險=interest rate risk斷肢保險=dismemberment insurance總保費=gross premium總保費=premium, gross次標準體=risk substandard次標準體=substandard次標準體=under-average life汽車責任保險=automobile liability insurance受託人=bailee受託人=fiduciary受託人=trustee受託人=consignee增額保險單=additional optional policy責任準備金修正制=modified reserve standards已發生之費用=expense incurred保證增加保額選擇權=guaranteed issue投保前已存在的健康狀態=preexisting condition約定價值條款=agreed value clause事故發生基礎=occurrence basis自動墊繳保費=automatic premium loan（APL）個人信用保證保險=individual fidelity bond可能最大損失=maximum probable loss可能最大損失=possible maximum loss（PML）可能最大損失=probable maximum loss（PML）風險衡量=risk measurement保單紅利選擇權=dividend options保單紅利選擇權=options, dividend最大誠信契約=contract of utmost good faith最大誠信契約=uberrime fidei contract清償能力邊際=margin of solvency保單生效日=policy date豁免保險費附約=waiver of premium rider保險公司=insurance company信用卡偽造保險=credit card forgery insurance保證現金價值=cash value, guaranteed保證現金價值=guaranteed cash value要約與承諾=offer and acceptence保證購買選擇權=guaranteed purchase option賠償金=reparations保險契約=contract保險契約=contract of insurance保險契約=insurance contract變更受益人=beneficiary change財團法人工程保險協進會=Engineering Insurance Association（E.I.A.）自然災害=peril of nature受益人=beneficiary傷害及疾病保障=injuries and diseases covered職業傷害=occupational injury終身失能給付=lifetime disability benefit單獨海損=average, particular單獨海損=particular average承保能量=capacity危險因素=hazard承保利潤=underwriting profit保險證明書=insurance certificate保險效力終止條款=termination clause可信度=credibility完全失能給付=total disability benefit實質危險因素=hazard, physical實質危險因素=physical hazard汽車保險=automobile insurance汽車保險=motor insurance汽車保險=vehicle coverage信用風險=credit risk可保性=insurability海損理算師=average adjuster法律風險=legal risk航空器墜落及機動車輛碰撞承保式=falling aircraft & vehicle impact form 可保性增額選擇權=insurability option現值=current value現值=present value現值=present worth不保項目批註=exclusion rider遞延年金=annuity, deferred遞延年金=deferred annuity直接簽單公司=direct writer直接簽單公司=direct writing carrier保險效力之中止=suspension of coverage提前滿期選擇權=accelerated option除外（不保）期間=deferred period承保準備金=underwriting reserve連生生存年金保險=joint life and survivor insurance連生生存年金保險=joint-life and last-survivor annuity變額壽險=variable life insurance法定有價證券評價準備=mandatory security valuation reserve（MSVR）應計基礎（權責發生基礎）之會計方法=accrual basis of accounting團體年金=annuity, group團體年金=group annuity保單所有人權益=equity, policyowners保單所有人權益=policyowners equity保單所有人權益=policyholder surplus已發生費用=incurred expenses不續約條款=non-renewal clause保費自動墊繳選擇權=automatic premium loan option對價=quid pro quo對價=valued of all consideration對價=consideration請求給付保險金=claim純保費=premium, pure純保費=pure premium純保費=net premium純保費=net single premium純保費=premium, net非營利性公司=non-profit corporation利率敏感型保險單=interest sensitive policies定期年金=terminable annuity特別賠款準備金=special loss reserve保單可貸金額=loan value不當執業=malpractice財團法人保險事業發展中心=Insurance Institute of the Republic of China 分離帳戶=separate account二十年期繳費終身壽險=twenty-payment life不可轉換定期保險=non-convertible term insurance未決賠款=claim outstanding未決賠款=loss outstanding未決賠款=losses outstanding未決賠款=outstanding losses風險控管=risk control追溯保費=retrospective premium強制汽車責任保險=compulsory automobile liability insurance保險期間=duration of risk保險期間=period保險期間=policy period保險期間=policy term保險期間=term of policy保險期間=term人身意外傷害保險=personal accident insurance風險暴露單位=exposure unit故意之侵權行為=intentional tort故意之侵權行為=tort, intentional投保紀錄=insurance history列名被保險人=insured named列名被保險人=named insured主保險單=primary cover健康保險=health insurance可保價值=insurable value終身失能保險=lifetime policy不足額保險=underinsurance分進再保險人=assuming reinsurer保單架構=policy structure推定全損=constructive total loss招募率=recruitment ratio客觀危險=objective risk生存年金=annuity, life生存年金=life annuity被保險人=assured被保險人=cestui que vie被保險人=insurant被保險人=insured長尾賠案=long-tail claim保單貼現=viatical settlement代理費用=agent expense保險業務員=producer保險業務員=solicitor承保成本=underwriting cost未收保險費=outstanding premium未收保險費=uncollected premium不沒收價值=non-forfeitability確定給付退休金計畫=defined benefit pension plan 確定給付退休金計畫=pension plan, defined benefit 現金價值=cash value比例再保險=reinsurance, share比例再保險=share reinsurance比例再保險=proportional reinsurance金融服務=financial services工程保險=engineering insurance共同海損=general average海難=perils of the sea標準差=standard deviation or variation第三人責任保險=third party liability insurance罷工暴動民眾騷擾不保條款=free of strikes, riots and civil commotion clause （F.S.R. & C.C. clause）已發生但未報損失=incurred but not reportedlosses（IBNR）除外期間=deductible, period除外期間=excepted period除外期間=excluded period保證利率=guaranteed interest rate火災法律責任保險承保約定=fire legal liability coverage估計最大損失=estimated maximum loss（EML）事故年度=accident year國民健康保險=national health insurance養老年金險=annuity, endowment調整後承保利潤=adjusted underwriting profit長尾業務=long-tail business平均損失幅度=average loss severity平均損失幅度=average severity保單交付=policy delivery分紅保險=par分紅保險=participating insurance銀行保險=allfinanz銀行保險=bancassurance保險單起保日=commencement of coveragement保險單起保日=date of inception of the policy確定提撥退休金計畫（購買型計畫）=defined contribution pension plan（money purchase plan）加減費率法=modification rating每一事故限額=limit, per accident每一事故限額=occurrence limit每一事故限額=per accident limit簡易保險=industrial insurance寬限期間=grace period寬限期間=days of grace法定公積金=statutory surplus差別費率=rate discrimination頻率=frequency承保範圍=coverage承保範圍=insurance coverage定額給付年金=annuity, fixed定額給付年金=fixed annuity大數法則=law of large numbers大數法則=the law of large numbers每年更新（續保）團體定期保險=yearly renewable group term insurance 現金保險=cash insurance現金保險=money insurance非比例性再保險=nonproportional reinsurance生存險=pure endowment足額保險=full insurance足額保險=full value insurance傳統人壽保險公司=old line company傳統人壽保險公司=old line legal reserve company有效契約=business in force有效契約=in-force business有效契約=valid contract有效契約=insurance in force營建工程契約保證保險=bond, construction contract營建工程契約保證保險=construction contract bond比率再保險=reinsurance, quota share營建工程保險=construction insurance保險轉嫁=insurance transfer安裝工程保險=installation insurance風險辨識=risk identification外務佣金=agent's commission全損=total loss（TL）兵險條款=war clause兵險條款=war risk clause醫療保險=medical insurance代位原則=subrogation principle推定失能=presumptive disability分保公司=primary終身壽險=life insurance, permanent終身壽險=lifetime policy終身壽險=ordinary life-whole life-straight life終身壽險=permanent life i基本保費=basic premium不可保危險=noninsurable risk不可保危險=noninsurance risk不可保危險=uninsurable risk執業過失責任保險=malpractice liability insurance分紅保單=participating分紅保單=participating policy分紅保單=with-profits policy意外事故傷害=injury independent of all other means無清償能力=insolvency附加承保範圍=additional extended coverage分保=cede分保=reinsurance投資報酬風險=investment yield risk火災保險=fire insurance事故發生率=incidence rate人身意外傷害及疾病保險=personal accident and sickness insurance 求償通知條款=notice of claim provision免除特定責任=waiver事故發生通知=notice to company避險=hedge避險=hedging事故年度統計=accident-year statistics攤回再保險賠款=claim recovered from reinsurer獨立董事保險單=independent directors policies標準體=risk, standard標準體=standard標準體=standard life到期日=date of expiration保額=amount insured保額=amount of insurance非系統性風險=risk, unsystematic自動保費墊繳條款=automatic premium loan provision（APLP）佣金=commission財務再保險=financial reinsurance適格要件=eligibility requirement住院醫藥費保險=hospital medical insurance效力終止=termination年金保險=annuity提前滿期=accelerative endowment穿透率=penetration調解=mediation再保=reinsurance專屬保險=captive insurance意外死亡條款=accidental death clause輸出融資保險=export loan insurance人壽保險標準（示範）條款=standard provision, life insurance承保條款=insuring clause復原條款=reinstatement clause保證與告知=warranties and representation傘覆式再保險=umbrella reinsurance保額復效=reinstatement of the sum assured保險代理人=insurance agent聲明條款=recital clause保單轉換條款=policy change provision不定值海上保險單=unvalued marine policy除外責任條款=exception clause再保險合約=reinsurance treaty再保險合約=treaty年金受益人=annuitant海損=average定額給付=benefit, flat dollar定額給付=fixed benefit定額給付=flat dollar benefit定額給付=stated value benefit保險密度=insurance density公營保險人=governmental insurer辛迪卡=syndicate財務規劃師=Certified Financial Planner（CFP）失能所得附加特約=disability income rider比率再保險合約=quota share reinsurance（treaty）意外事故預防=accident prevention貼現值=discount value短期費率=short period rate短期費率=short rate直銷=direct selling限期繳費保險契約=limited payment policy共同受益人=joint beneficiary外務員=agent外務員=field representative外務員=fieldman外務員=representative外務員=representative, field定值保險=valued coverage曆年事故年度統計=calendar-accident-year statistics保險單起迄日=date of subscription to the policy保單解約=surrender a policy長期看護險=long-term care（LTC）現金賠款=cash claim住院及手術費用保險=hospital / surgical expense insurance 住院保險=hospitalization insurance風險管理程序=risk management process費率釐定機構=rating organization自然耗損不保事項=wear and tear exclusion兵險=war risk受益人生存年金=survivorship annuity躉繳保費=premium, single躉繳保費=single payment躉繳保費=single premium保險經紀人公司=brokerage agency全險=against all risks（AAR）全險=all risk insurance全險=all risks全險=open perils風險值=value at risk（VaR）人壽保險之生存給付=living benefits of life insurance自然保費=natural premium財產及責任保險核保人=Chartered Property and Casualty Underwriter（CPCU）賠款成本率=burning cost ratio（pure loss cost）不實說明=misrepresentation可移轉式退休金=portable pension信用失能保險=credit disability insurance附加醫療保險=supplemental medical insurance附加醫療保險=supplementary medical insurance個人傷害保險=personal injury insurance投保申請書=application已承保=covered額外保費=extra premium額外保費=premium, extra不實重要說明=material misrepresentation危險事故=peril承保條=slip分保人=cedent股份型態之保險公司=stock insurance company股份型態之保險公司=stock insurer自殘=self-inflicted injury法律責任保險單=legal liability insurance policy保險單=insurance policy保險單=policy綜合個人責任保險=comprehensive personal liability insurance事故發生基礎責任承保範圍=claims occurrence basis liability coverage 平準佣金=commissions, level平準佣金=level commission事故=occurrence不可抗力之事故=force majeure射倖契約=aleatory contract發單日=date of issue營建機具綜合保險=contractors equipment insurance表定死亡率或罹病率=tabular mortality or morbidity附加保費=additional premium（AP）附加保費=loading charge附加保費=premium loading附加保費=loading失能豁免保險費=waiver of premium disability benefit失能豁免保險費=waiver of premium for disability確定簽單保額=definite closing起賠式自負額=deductible, franchise起賠式自負額=franchise deductible自然死亡=natural death風險管理=risk management現金償還年金（一次償還年金）=cash refund annuity（lump sum refund annuity）臨時分保=facultative reinsurance臨時分保=reinsurance, facultative喪葬保險=burial insurance喪葬保險=funeral insurance保單變造=spoliation保費=insurance premium保費=premium放佣行為=rebating每年更新（續保）定期保險=annual renewable term insurance每年更新（續保）定期保險=yearly renewable term insurance每年更新（續保）定期保險=yearly renewable term（YRT）保險需求分析法=need approach長期失能所得保單=long-term disability policy受託人保險=bailees insurance相互保險=mutual insurance已付賠款=losses paid已付賠款=paid losses失能保險=disability insurance技術準備金=technical reserve保單轉換=policy replacement不保危險=excluded peril防護及補償協會=Protection and Indemnity Club（P & I Club）風險成本=cost of risk營造綜合保險=contractor's all risks insurance（C.A.R.）保單面值=policy face（保險）仲介人=intermediary要約=offer投資連結型養老保險=unit-linked endowment初年度保費=first-year premium指數人壽保險=indexed life insurance巨災再保險=catastrophe reinsurance巨災再保險=reinsurance, disaster死亡風險=mortality risk保單聲明（要保書表白事項）=policy declaration約定價值=agreed value不保事項=exception分期保險費=installment premium保單滿期日=maturity date不分紅人壽保險=non-participating life insurance重要事實=material fact風險評估=risk assessment不可續保契約=non-renewable contract費率類別（費率等級）=rating class費用率=expense ratio個人退休金計畫=personal pension scheme不保財產=exclusion property契約轉換=conversion已發生之損失=incurred losses績優費率法=merit rating績優費率法=rating, merit人壽保險：人生風險=life insurance：life risk平均餘命=expectation of life平均餘命=life expectancy繳清保險=paid-up insurance投資報酬率=yield on investments ratio失效=lapse相互壽險公司=mutual life assurance company個人年金=annuity, individual個人年金=individual annuity再保險經紀人=reinsurance broker承保項目=item保單起保日及損失發生時點=contract inception and time of loss 信用卡保險=credit card insurance輸出保險=export insurance錯誤與遺漏條款=errors and omission clause增加率=accrual rate直接損失=direct loss直接損失=direct damage免賠額條款=franchise clause保單所有人保費豁免優惠=owner waiver of premium benefit核保=underwrite核保=underwriting除斥期間=limitation推定過失=negligence, presumed推定過失=presumed negligence抗辯條款=contestable clause分進公司=assuming company分進公司=ceded company分進公司=accepting office保險=assurance保險=insurance污染除外條款=pollution exclusion風險管理人=risk manager抗辯費用=defence cost抗辯費用=defense costs拋棄繼承=disclaimer遞延給付=deferred benefits and payments遞延給付=deferred payments鍋爐保險=boiler insurance意外死亡及斷肢、喪失能力=accidental death and dismemberment（AD&D）自用汽車保險單=personal auto policy自用汽車保險單=personal automobile policy（PAP）最大善意=bona fide最大善意=uberrimaie fidei風險管理師=Fellow in Risk Management（FRM）防護及補償保險=P&I insurance防護及補償保險=protection and indemnity（P & I）insurance危險抑減=risk reduction放射性污染保險=radioactive contamination insurance押標金保證保險=bid bond押標金保證保險=bond, bid協會貨物保險條款=institute cargo clauses（I.C.C.）保單滿期=matured自負額=deductible自負額=excess汽車車體損失保險=automobile physical damage insurance受益人信託=beneficiary of trust遺族年金=death benefit only已經過期間之保費=premium earned承保處所=insured premises費率手冊=rate book費率手冊=rate manual定期保險單=term of the policy定期保險單=term policy保單貸款=loan賠款準備金=loss reserve賠款準備金=reserve, loss附加保險事故=additional perils市場價值相對於實際現金價值=market value v. actual cash value信用保險=credit insurance保險利益=insurable interest保險利益=insurance interest保險精算師=actuary讓與權利=right of assignment不定值保險單=nonvalued insurance policy不定值保險單=unvalued policy貨物保險=cargo insurance投資型保險商品=investment-linked product現值表=present value tables金融控股公司=financial holding company保單體檢=periodic reviews不可轉讓保險單=nonassignable policy放佣=rebate年繳保費=annual premium員工誠實保證保險=bond, fidelity員工誠實保證保險=fidelity bond員工誠實保證保險=fidelity guarantee insurance變額萬能壽險=universal variable life insurance變額萬能壽險=variable universal life死亡給付=death benefit專屬代理制度=exclusive agency system毛保費=gross premium毛保費=premium, gross保單=insurance policy保單=policy續保條款=renewal agreement續保條款=renewal provision海上保險=marine insurance海上保險=wet marine insurance危險保費=risk premium法定不保事項=statutory exclusions除外項目=exclusion連動式債券=structured note拒保=rejection承保集團=pool保險金額=insurance cover保險金額=insured amount保險金額=sum insured保險金額=amount insured保險金額=amount of insurance風險基礎資本規定=risk based capital（RBC）requirements 再保險佣金=reinsurance commission提前給付之死亡保險金=living death benefits未滿期保費=premium, unearned未滿期保費=unearned premium定值保險單=stated value policy定值保險單=valued policy直接原因=proximate cause意外頻率=accident frequency承保會員=underwriting member約定價值保險單=agreed value policy失能所得保險=disability income insurance臨時再保險證明書=facultative certificate of reinsurance 非比例性保險=nonproportional insurance屬人危險=personal hazard其他被保險人=other insureds保險利益條款=insurable interest clause自動增加給付=automatic increase in benefits產品責任保險=liability insurance, product產品責任保險=product liability insurance公認壽險核保師=Chartered Life Underwriter（CLU）危險評估=risk appraisal保單評價=valuation, policy復效附註條款=reinstatement memorandum清償能力=solvency表定利率=tabular interest rate學生保險=student insurance現賠=cash claim索賠公證人=claim adjuster長尾責任=long-tail liability重複投保分攤準則=nonconcurrent apportionment rules給付選擇權=options of payment巨災債券=CAT bond巨災債券=catastrophe bond抗辯期間=contestable period海事公證人=marine surveyor契約=contract倫敦勞依茲=Lloyd's of London固定收益財務工具=fixed income financial instrument變額年金=annuity, equity變額年金=annuity, variable變額年金=equity annuity(ies)變額年金=variable annuity變額年金=variable dollar annuity生效日=effective date豁免保費條款=payor provision非投資等級債券=noninvestment grade bonds家畜保險=livestock insurance保險商品=product醫療費用保險=medical expense insurance醫療費用保險=medical payments insurance定期壽險附約=term insurance rider保險單生效日=date of policy貨物運送人保險=motor truck cargo insurance不喪失解約金價值=non-forfeiture cash surrender benefit醫師專業責任保險=liability insurance, physicians and surgeons 終止條款=cancellation clause勞工災害補償=workers compensation（W.C.）暫保單=binder暫保單=binding slip暫保單=cover note暫保單=insurance cover note理賠費用=claim expense理賠費用=loss adjustment expense共保=coassurance指數型人壽保單=indexed life policies效力中止條款=suspension provision直效行銷=direct marketing彈性保費=flexible premium保戶手冊=buyer's guide政策性保險=act insurance核保利潤=underwriting profit洪水保險=flood insurance汽車第三人責任保險單=third party only policy年金保費=annuity consideration年金保費=premium, annuity年金生命表=annuity table傳統人壽保險=old line傳統人壽保險=old line life初年定期式責任準備金提存制=preliminary term reserve system保險費率=insurance rate保險費率=premium rate豁免保險費=waiver of premium（WP）保留盈餘=retained earnings罷工保險=damage from strikers insurance罷工保險=strike insurance重大過失=gross negligence重大過失=negligence, gross自留=retention勞依茲辛迪卡=Lloyd's Syndicate保單移轉=transfer航空保險=air insurance航空保險=aviation insurance地震險=earthquake insurance超額保險=excess insurance超額保險=over insurance超額保險=over-insurance人壽保險可績保性=life insurance renewability保單指定受益人=owner's designated beneficiary保險金=amount of loss保險金=policy proceeds重置成本保險=replacement cost insurance企業主管人員保險=key-executive insurance公認財務分析師=Chartered Financial Analyst複保險=double insurance複保險=overlapping insurance意外傷害保單=accident policy不沒收條款=non-forfeiture benefit（option）不沒收條款=non-forfeiture clause不沒收條款=non-forfeiture option or provision不沒收條款=non-for投資帳戶=investment account保單年度經驗=experience, policy year保單年度經驗=policy year experience連生被保險人=joint insured告知義務=duty of disclosure保險集團=insurance pool心理危險因素=hazard, morale心理危險因素=morale hazard住院、手術及醫療費用保險=hospital, surgical, and medical expense insurance自殺條款=suicide clause自殺條款=suicide provision政治風險=political risk公證人=adjuster公證人=surveyor選擇權=option非營利性保險人=non-profit insurers保本型年金=capital protected annuity營業中斷=business interruption（BI）附加保險費=loading責任保險=liability insurance投資連結型個人退休金=unit-linked personal pension人壽保險=life assurance人壽保險=life insurance現金價值壽險=cash value life insurance單一費率=flat rate單一費率=rate, flat玻璃保險=glass insurance責任限額=liability limits責任限額=limit of liability台灣地區營造綜合保險聯合小組=Committee of Contractor's All Risks Underwriters in Taiwan（C.O.C.A.R.U.I.T.）一次購足=one-stop shopping行為能力=competency行為能力=legal capacity承保事故約定=coverage, peril車體損失保險=physical damage insurance契約不為承認之補償保險=contract repudiation indemnity估價條款=appraisal clause估價條款=valuation clause保單復效=reinstatement of policy限期繳費人壽保險=life insurance, limited payment限期繳費人壽保險=limited payment life insurance查勘=inspection額外生活費用保險=additional living expense insurance理算人=adjuster定額年金=level annuity醫療照護保險=medical care insurance風險基礎資本比率=risk based capital ratio保單價值=policy value自負額條款=deductible clause十日審閱期條款=ten-day free look provision淨保費=net premium淨保費=net single premium淨保費=premium, net給付=benefit公共運送人=common carrier基本費率=basic rate保險費非法處置=illegal holding of premiums現金償還年金=annuity, cash refund事業責任保險=business liability insurance疾病保險=sickness coverage疾病保險=sickness insurance懲罰性損害賠償金=exemplary damage可保性證明=evidence of insurability拖曳費用=towing charge衍生性金融商品=derivatives罹病率=morbidity罹病率=morbidity rate獨立代理人=agent, independent獨立代理人=independent agent不可轉讓契約或保險單=nonassignable contract or policy可轉換定期壽險=convertible term life insurance人壽保險單條款=policy provisions, life保單轉讓=policy assignment輸出信用保險=export credit insurance發生年度=occurrence year保單繼續率=persistency總括保險=blanket insurance巨災=catastrophe保險人=assurer保險人=insurance carrier保險人=insurer保險人=carrier不可變更之受益人=absolute beneficiary不可變更之受益人=beneficiary, absolute不可變更之受益人=beneficiary, irrevocable不可變更之受益人=irrevocable beneficiary其他保險=other insurance社會保險=social insurance定期人壽保險=life insurance, term定期人壽保險=term life insurance已終止之保單=terminated policy保費收入=premium income職業意外事故=accident, industrial職業意外事故=industrial accident職業意外事故=occupational accident批註（條款）=endorsement營業許可證=certificate of authority保險事故=insured peril旅行平安保險=travel accident insurance承保確定=commitments風險證券化=securitization of risk專屬代理人=agent, captive專屬代理人=captive agent專屬代理人=exclusive agent危險承擔=assumption of risk危險承擔=risk assumption分紅=dividend保單年度=policy year起賠點=attachment point起賠點=excess point一般公認會計原則=generally accepted accounting principles（GAAP）連生壽險=joint life insurance已繳股本=paid-in capital航空乘客意外保險=aviation passenger accident insurance保證解約退還金=cash value, guaranteed保證解約退還金=guaranteed cash value保險單不保項目=exclusions of policy風險基礎資本=risk based capital（RBC）退休保險需求=retirement insurance needs所得平均法=income averaging免賠額=franchise免賠額=deductible, franchise免賠額=franchise deductible分出公司=cedant分出公司=ceding company保險費=charge of insurance保險費=insurance expense保險費=insurance premium保險費=premium放棄代位權條款=waiver of subrogation rights clause保險單總價值=amount of insurance to value已收保費=earned premium效力保險=efficacy insurance保險代位=subrogation承保損失=covered losses重大疾病保險=catastrophic illness insurance重大疾病保險=critical illness insurance重大疾病保險=dread disease insurance臨時再保險=facultative reinsurance臨時再保險=reinsurance, facultative承保危險=risks covered使用性質=occupancy每日定額給付=fixed daily benefit失效解約率=lapse ratio綜合率=combined ratio專屬保險公司=captive insurance company承保費用=underwriting expense契約保全=life conservation意外=casualty意外=contingent可保危險=insurable risk使用性質變更條款=change in occupancy or use clause住院他項費用給付=special services benefits暴風雨、民眾騷擾、煙燻、冰雹、航空器、機動車輛、爆炸及暴動=W. C. SHAVER 人壽保險單=life policy自然耗損=natural losses自然耗損=wear & tear契約審閱期間=cooling-off period聲明事項=declaration確定給付=payment certain理賠=claim理賠=claim adjustment船體保險=hull insurance錯誤與遺漏保險=errors and omissions insurance（E&O）共同保險規定=coinsurance provision保單責任準備金=policy reserve侵權行為=tort附條件可續保契約=conditionally renewable contract 隨支隨付計畫=pay-as-you-go plan器官移植給付=transplant benefit現值化利率=capitalization rate保險單之簽約日期=date of subscription to the policy。
保险单中英文术语
2.the stipulations for insurance 保险条款
(1)marine insurance policy 海运保险单
(2)specific policy单独保险单
(3)voyage policy 航程保险单
(4)time policy期限保险单
(5)floating policy (or open policy) 流动保险单
(5)war risk 战争险
(6)cargo(extended cover)clauses货物（扩展）条款
(7)additional risk 附加险
(8)from warehouse to warehouse clauses仓至仓条款
(9)theft,pilferage and nondelivery (T.P.N.D.)盗窃提货不着险
(6)ocean marine cargo clauses 海洋运输货物保险条款
(7)ocean marine insurance clauses (frozen products)海洋运输冷藏货物保险条款
(8)ocean marine cargo war clauses 海洋运输货物战争险条款
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 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。
常用保险术语(中英对照版本)
常用保险术语保险费率 premium rate单位保险金额应该收取的保险费。
损失 loss非故意的、非预期的和非计划的经济价值的减少或灭失。
通常分为直接损失和间接损失。
损失程度 loss severity保险标的可能遭受的损失的严重程度。
直接损失 direct loss由风险事故导致的财产本身的损失。
间接损失 indirect loss由直接损失引起的额外费用损失、收入损失和责任损失等无形损失。
保险 insurance投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。
财产保险 property insurance以财产及其有关利益为保险标的的保险。
企业财产保险 commercial property insurance以单位、团体所有或占有的在指定地点的财产及其有关利益为保险标的的财产保险。
营业中断保险 business interruption insurance以单位因停产、停业或经营受影响而面临的预期利润的减少及必要的费用支出为保险标的的财产保险。
机器损坏保险 machinery breakdown insurance以各类已安装完毕并投入运行的机器为保险标的财产保险。
货物运输保险 cargo insurance以运输途中的货物为保险标的保险。
海上货物运输保险 ocean marine cargo insurance以通过海上运输方式运输的货物作为保险标的的保险。
陆上货物运输保险 inland transit insurance以通过陆上运输方式运输的货物为保险标的的保险。
航空货物运输保险 air cargo insurance以通过航空运输方式运输的货物为保险标的的保险。
工程保险 engineering insurance;project insurance以工程项目中的财产及其赔偿责任为保险标的的保险。
保险单中英文术语
1.Risks & Coverage险别(1)free from particular average (F.P.A.)平安险(2)with particular average (W.A.)水渍险（基本险）(3)all risk 一切险（综合险）(4)total loss only (T.L.O.) 全损险(5)war risk 战争险(6)cargo(extended cover)clauses货物（扩展）条款(7)additional risk 附加险(8)from warehouse to warehouse clauses仓至仓条款(9)theft,pilferage and nondelivery (T.P.N.D.)盗窃提货不着险(10)rain fresh water damage 淡水雨淋险(11)risk of shortage 短量险(12)risk of contamination 沾污险(13)risk of leakage 渗漏险(14)risk of clashing & breakage碰损破碎险(15)risk of odour 串味险(16)damage caused by sweating and/or heating 受潮受热险(17)hook damage 钩损险(18)loss and/or damage caused by breakage of packing包装破裂险(19)risk of rusting 锈损险(20)risk of mould 发霉险(21)strike, riots and civel commotion (S.R.C.C.) 罢工、暴动、民变险(22)risk of spontaneous combustion 自燃险(23)deterioration risk 腐烂变质险(24)inherent vice risk 内在缺陷险(25)risk of natural loss or normal loss途耗或自然损耗险(26)special additional risk 特别附加险(27)failure to delivery 交货不到险(28)import duty 进口关税险(29)on deck 仓面险(30)rejection 拒收险(31)aflatoxin 黄曲霉素险(32)fire risk extension clause-for storage of cargo at destination Hongkong, including Kowloon, or Macao 出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款(33)survey in customs risk 海关检验险(34)survey at jetty risk 码头检验险(35)institute war risk 学会战争险(36)overland transportation risks陆运险(37)overland transportation all risks陆运综合险(38)air transportation risk 航空运输险(39)air transportation all risk 航空运输综合险(40)air transportation war risk 航空运输战争险(41)parcel post risk 邮包险(42)parcel post all risk 邮包综合险(43)parcel post war risk 邮包战争险(44)investment insurance(political risks) 投资保险（政治风险）(45)property insurance 财产保险(46)erection all risks 安装工程一切险(47)contractors all risks 建筑工程一切险2.the stipulations for insurance 保险条款(1)marine insurance policy 海运保险单(2)specific policy单独保险单(3)voyage policy 航程保险单(4)time policy期限保险单(5)floating policy (or open policy) 流动保险单(6)ocean marine cargo clauses 海洋运输货物保险条款(7)ocean marine insurance clauses (frozen products)海洋运输冷藏货物保险条款(8)ocean marine cargo war clauses 海洋运输货物战争险条款(9)ocean marine insurance clauses (woodoil in bulk) 海洋运输散装桐油保险条款(10)overland transportation insurance clauses (train, trucks) 陆上运输货物保险条款（火车、汽车）(11)overland transportation insurance clauses (frozen products)陆上运输冷藏货物保险条款(12)air transportation cargo insurance clauses 航空运输货物保险条款(13)air transportation cargo war risk clauses 航空运输货物战争险条款(14)parcel post insurance clauses 邮包保险条款(15)parcel post war risk insurance clauses 邮包战争保险条款(16)livestock & poultry insurance clauses (by sea, land or air)活牲畜、家禽的海上、陆上、航空保险条款(17)…r isks clauses of the P.I.C.C. subject to C.I.C.根据中国人民保险公司的保险条款投保……险(18)marine insurance policies or certificates in negotiable form, for 110% full CIF invoice covering the risks of War & W.A. as per the People's Insurance Co. of China dated 1/1/1976. with extended cover up to Kuala Lumpur with claims payable in (at) Kuala Lumpur in the currency of draft (irrespective of percentage)作为可议付格式的海运保险单或凭证按照到岸价的发票金额110%投保中国人民保险公司1976年1月1日的战争险和基本险，负责到吉隆坡为止。
保险术语中英文对照
保险术语中英文对照引导语：保险(insurance)是指投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任。
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保险术语
保险（In sura nee ）
从法律角度来看，保险是保险人和投保人双方的合同安排，保险人同意赔偿损失或给付保险金给被保险人或收益人，投保人通过购买保险单位把风险转移给保险人。
保险法（Law of In sura nee）
调整保险活动中保险人与投保人、被保险人以及收益人之间的法律关系的重要民商事法律，是国家对保险企业、保险市场实施监督管理的法律。
保险法具体可分为以下四种：
（1）保险契约法，也叫保险合同法，是构成保险法的核心内容；
（2）保险业法，又叫保险业监督法，是国家对保险业管理、监督的法律规范；（3）保险特别法，是相对于保险合同法而言的，具体是指保险合同法以外，规范于民商法中特殊保险关系的法律和规范，如海商法中的海上保险法；
（4）社会保险法，是国家就社会保障所颁发的法令总称。
我国1995年6约30日通过的《保险法》，是建国以来的第一部保险基本法，采用了国际上一些国家和地区集保险业法、保险合同法为一体的立法体系，形成了一部较为完整、系统的保险法律。
我国《保险法》共8章，分别为总则、保险合同、保险公司、保险经营规则、保险业的监督管理、保险代理人和保险经济人、法律责任和附则，共计152条。
保险公司（In sura nee Compa ny）
指经政府有关当局批准，依照法律要求设立的从事经营商业保险业务的法人。
通常意义上来讲，保险公司就是保险人或承保人。
保险公司经营保险业务，与投保人订立保险合同，收取保险费，组织保险基金，并在保险事故发生或保险期限届满后，对被保险人赔偿损失或给付保险金。
保险合同（In sura nee Con tract ）
指投保人支付规定的保险费，保险人对承保标的因保险事故所造成的损失，在保险金额范围内承担赔偿责任，或者在合同约定期限届满时，承担给付保险金义务的协议。
保险单（Policy）
保险人与被保险人顶立保险合同的正式书面证明。
保险条款(In sura nee Clauses )
保险单上规定的有关保险人与被保险人的权利、义务及其他保险事项的条文。
保险标的(In sura nee Subject )
指保险合同载明的投保对象，或者是保险保障的对象。
例如家庭财产险中的有关家庭财产，人寿险中的人的寿命等等。
不同的保险标的，面临的危险种类、性质
和程度是不同的，所适用的保险费率也有差别。
保险金额(Insured Amount)
又称"保额"，指保险合同双发当事人确定并在合同中载明的金额，也是保险人计算保险费的依据和负责赔款或给付保险金的最高限额。
财产保险的金额可以按照保险财产的实际价值、重置、重建价格或估计等方法来确定。
人身保险的保险金额是根据被保险人的实际需要和缴付保险费的能力来确定的，因为人的生命价值很难有客观标准。
保险期限(In sura nee Period )
又称"保险期间"，指保险合同的有效期限，也即保险人依约承担保险责任的期限，也叫保险责任的起讫期限。
保险费(In sura nee Premium )
签定保险合同的投保人或被保险人为取得保险保障而缴付给保险人的费用。
保险费可以根据双方约定分年、分季、分月收取。
保险人(In surer)
又称"承保人"，保险合同当事人的一方，与投保人订立保险合同并承担赔偿或者给付保险金的责任。
被保险人((Insured)
又称"保户"，保险合同的重要关系人，受保险合同保障，享有保险金请求权的法人或自然人。
保险代理人(In sura nee Age nt )
依据保险人的委托，向保险人收取代理手续费，并在保险人的授权范围内代为办理保险业务(如展业、承保、理赔)的单位和个人。
保险经纪人(In sura nee Broker ) 指基于投保人的利益，为投保人与被保险人订立保险
合同，提供中介服务并依法收取佣金的人。
在再保险市场上则有再保险经纪人，即基于原保险人的利益，为原保险人安排分出、分入业务提供中介服务并依法收取佣金的人。
保险经纪人必须具备一定的保险专业知识和技能，通晓保险市场规则、构成和行情，为投保人设计保险方案，代表投保人与保险公司商议达成保险协议。
财产保险(Property In sura nee )
又称"损害保险"，保险业务的一大分类，是以财产以及有关利益为保险标的的一种保险。
我国《保险法》第91条把财产保险业务的范围规定为包括财产损失保险、责任保险、信用保险等保险业务。
产品责任保险(Product Liability In sura nee )
承保生产者或销售者因产品缺陷引起的依法承担赔偿责任的保险。
劳工保险和雇主责任保险
(Workers Compe nsati on and Employer Liability In sura nee )
指保险人对雇主依照法律或雇佣合同对受雇员工因工作遭受伤害或死亡应承担经济责任的保险。
年金保险(Ann uities In sura nee )
固定的年期内按一定的间隔期(按年、季或月)提存或支付的款项称为年金。
年金保险则是指保险人承诺在一个约定时期以保险人生存为条件定期给付保险金的一种保险。
人寿保险(Life In sura nee)
人寿保险是人身保险的一种，但不包括意外伤害保险和健康保险，仅是以人的生死为保险事件，保险人根据合同的规定负责对被保险人在保险期限内死亡或生存至一定年龄时给付保险金。
两全保险(Endowment Assuranee )
又称混合保险”或储蓄保险”以被保险人在保险期限内死亡或期满生存为条件, 都可获得保险金的一种保险。
两全保险是人身保险中最受欢迎的一个品种，可以作为储蓄的一种手段，也可为养老提供一种保障，还可以用于为特殊的目的积累一笔资金。
现金价值(Cash Value ) 又称解约退还金”或退保价值”被保险人要求解约或退保时，寿险公司应该发还的金额。
终身寿险(Whole Life In sura nee )
又称终身死亡保险”或终身人寿保险”是终身提供保障的保险。
再保险(Rein sura nee)。