保险英文术语
保险术语中英文对照
rate making费率厘定
renewal commission续保佣金
【 I 】
Increased Value Clause见“增值条款”
Industrial Life Assurance见“简易人身保险”
Inherent Vice见“内在缺陷”
【 J 】
Joint Life Insurance见“联合人寿保险”
近因（Proximate Cause）
Insurance见“保险”
Insurance Agent见“保险代理人”
Insurance Amount见“保险金额”
Insurance Broker见“保险经纪人”
Insurance Certificate见“保险凭证”
Insurance Clauses见“保险条款”
Insurance Company见“保险公司”
Insurance Contract见“保险合同”
Insurance Fund见“保险基金”
Insurance Period见“保险期限”
Insurance Premium见“保险费”
Insurance Subject见“保险标的”
Insured见“被保险人”
Insurer见“保险人”
claim inveatigation理赔调查
ห้องสมุดไป่ตู้policy 保单
misrepresentation不实告知
proposer 投保人
proposal form投保协议书
policy holder保单持有人
claim理赔
compensation赔偿
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。
保险专业术语100个
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)。
保险专业术语英语短语
保险专业术语英语短语保险专业术语英语短语汇总现在保险行业越来月受到人们的`追捧，无论国内外，各种保险都充斥在我们周围，下面是店铺整理的关于保险的单词汇总，希望对你有用!保险专业术语英语短语汇总(一)Abandonment委付Actual Total Loss实际全损All Risks一切险Annuities Insurance年金保险annuity年金Applicant投保人Application投保单approval承保Approved, To Cover承保Automatic Premium Loan自动垫交保险费贷款Beneficiary受益人Binder，Binding Slip暂保单Both to Blame Collision Clauses 船舶互撞责任条款Bottomy Bond船舶抵押借款Cash Loss现金赔款Cash Value现金价值Claim Settlement理赔claims paid保险金Co-insurance共同保险Constructive Total Loss推定全损Contractors All Risks Insurance 建筑工程一切险deductible自负额Dividend System红利制度Dual Valuation Clause双重价值条款Endorsement批单Endowment Assurance生死两全保险Erection All Risks Insurance安装工程一切险Excess of Loss Ratio Reinsurance 超额赔付率再保险Excess of Loss Reinsurance超额赔款再保险exclusion除外责任extended insurance展期保险Extraneous Risks附加险Facultative Reinsurance临时再保险Fidelity Bond忠诚保证保险Fire Insurance火灾保险First Loss Insurance第一损失保险Flag of Convenience方便(国)旗Free from Particular Average平安险Freight Insurance运费保险General Average Adjustment共同海损理算General Average共同海损Grace Period宽限期Group Life Accident Insurance团体人身意外伤害保险Group Life Insurance团体人身保险Hazard危险因素Health Insurance疾病保险Hull Insurance船舶保险Increased Value Clause增值条款Industrial Life Assurance简易人身保险Inherent Vice内在缺陷Insurance Agent保险代理人Insurance Broker保险经纪人Insurance Certificate保险凭证Insurance Clauses保险条款保险专业术语英语短语汇总(二)Insurance Company保险公司Insurance Contract保险合同Insurance Fund保险基金insurance liability保险责任Insurance Period保险期限Insurance Premium保险费Insurance Subject保险标的Insurance保险Insured Amount保险金额insured interest保险利益Insured Value保险价值Insured被保险人Insurer保险人Joint Life Insurance联合人寿保险lapse保单停效Law of Insurance保险法Law of Large Numbers 大数法则Level Premium均衡纯保费Liability Insurance责任保险Life Accident Insurance人身意外伤害保险Life Expectancy平均余命Life Insurance Actuary人寿保险精算师Life Insurance Reserve人寿保险责任准备金Life Insurance人寿保险Life Table生命表Line线Lloyd's劳合社Lodge a Claim索赔Loss Ratio损失率Machinery Breakdown Insurance机器损坏保险main insurance & additional insurance 主险与附加险Marine Insurance。
保险英文术语
保险英文术语Insurance Policy (or Certificate)保险单(或凭证)I.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⑶voyage 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 由仁包保险条款(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, for 110% full CIF invoice covering the risks of War & W.A. as per the People'sInsurance 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。
保险英文术语
保险英文术语保险英文术语Insurance Policy (or Certificate)保险单（或凭证）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, for 110%full CIF invoice covering the risks of War & W.A. as per the People'sInsurance 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。
保险术语知识分享
保险术语1.special premium rate 特殊费率2.valuation net premium 评估净保费3.gross premium reserve 毛保费准备金（基于毛保费计提的准备金）4.guaranteed interest rate reserve 保证利率准备金5.indirect claim expense 间接理赔费用（无法直接确认到每个赔案的理赔费用）6.direct claim expense 直接理赔费用（可以直接确认到每个赔案、与案件理赔直接相关的费用）7.average payment per claim案均赔款8.eligible turnover 适保出口额（适用保单条款的出口金额）9.underwriter 核保人10.totally permanent disability rate 高残率11.survival rate 生存率12.basic sum insured 基本保额13.limit of indemnity 责任限额14.pure risk premium 纯风险保费15.extra health premium 健康加费16.extra occupation-related premium 职业加费17.other extra premium 其他加费18.premium due date 保费应收日期st premium payment year 终止缴费年度20.receivable premium overdue 逾期应收保费21.initial premium 首期保费22.premium for investment-linked product 投资型保险保费23.loan premium 垫缴保费24.effective time of policy; insurance liability attachment time 保单起保时间25.terminal time of policy 保单终止时间26.short term premium rate 短期费率27.reinstatement period 复效期间28.reinstatement rate 复效利息29.account value 账户价值30.guaranteed yield 保证收益31.coupon 生存现金32.corporate annuity plan period 企业年金计划受托期限33.claim waiting period 赔偿等待期34.claim case cancellation reason 案件注销原因35.claim settlement process 理赔36.direct claim payment amount 直接赔款37.claims payable 应付赔款38.policy benefit payment 保单利益支出金额39.guaranteed annuity drawing period 保证领取年限（养老保险合同中规定可以领取养老金的最低保证年限）40.premium retained 自留保费41.claim retained 自留赔款42.minimum reinsured amount 最低分出额43.final reinsurer 最终接受人44.fixed reinsurance commission rate 固定分保手续费的比率45.subsequent commission 续期手续费46.extractable commission 可提佣金mission share 佣金拆分48.units insured 承保数量49.actual premium collected 实收签单保费50.fixed-amount annuity 定额年金51.variable-amount annuity 变额年金52.increasing-amount annuity 增额年金53.waiting period 等待期54.extra premium; additional premium 额外保险费55.premium loading 保单加费56.premium receivable 应收保费57.dividend accumulation interest rate 红利累积利率58.renewal commission RYC 续年度佣金。
保险术语
2.1 风险风险risk纯粹风险pure risk投机风险speculative risk财产风险property risk责任风险liability risk人身风险personal risk信用风险credit risk环境风险environmental risk职业风险occupational risk自然风险natural risk巨灾风险catastrophic risk, catastrophe 社会风险social risk政治风险political risk经济风险economic risk税收风险tax risk法规风险legal risk , regulatory risk2.2 风险因素风险因素hazard物质风险因素physical hazard道德风险因素moral hazard心理风险因素moral hazard风险事故peril2.3 风险管理风险管理risk management风险管理目标risk management goal风险规避risk avoidance风险自留risk retention风险预防risk prevention风险抑制risk restraint风险中和risk neutralization风险转移risk transfer风险集合risk pooling风险分散risk diversification风险识别risk identification风险估测risk estimation风险评价risk evaluation风险分级risk classification风险管理技术选择risk management technique selection控制型风险管理技术loss control risk management techniques 财务型风险管理技术financial risk management techniques3.精算术语3.1 产品定价精算方法actuarial method精算师actuary精算假设actuarial assumption大数法则Law of large numbers修匀graduation演示利率illustration Internet rate费率厘定rating纯保费法pure premium method损失率法loss ratio method定价利率pricing interest rate保险费率premium rate纯费率pure premium rate费率浮动premium rate adjustment纯保费pure premium净保费net premium附加费用loading总保费Gross premium已赚保费earned premium未满期保费unearned premium特殊费率special premium rate评估净保费valuation net premium风险修正因子credit and surcharge factor财产保险产品定价损失loss损失程度loss severity案均损失average loss per claim损失频率loss frequency直接损失direct loss间接损失indirect loss人身保险产品定价生命表life table死亡表Mortality table经验生命表experience mortality table 国民生命表population mortality table 选择生命表select mortality table终极生命表ultimate mortality table 综合生命表aggregate mortality table 平均余命life expectancy疾病发生率表morbidity table发病率morbidity rate死亡率mortality rate3.2 准备金准备金reserve法定责任准备金statutory reserve评估利率valuation interest rate保险公司依法确定的用以计算责任准备金的利率通用会计准则准备金generally accepted accounting principles（GAAP）reserve在保险公司持续经营的前提下，为了在公正、一致的基础上反映经营状况、体现盈利水平，而采用合理而谨慎的假设计算的准备金保费不足准备金premium deficiency reserve（寿险）评估未来交费期间内的纯保费与毛保费之差，若纯保费大于毛保费，则按评估基础计算其在评估日的精算现值。
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
保险基本英语术语
保险基本英语术语累积结余(accumulated value)人寿保单（有储蓄成份的）之现金价值结余。
全险(all risks)这个名词表面涵义使人有点混淆，以为这类保险包括范围相当广泛。
事实上，有些风险仍然不在承保之列。
换言之，投保人不应对「全险」一词顾名思义，而应详细阅读保单内的条文。
年金(annuity)年金计划是一种向保险公司领取现金的保险计划，用途多以作为养老金。
保险公司会收取受领人（annuitant）一笔款项作为支付年金的代价。
年金的受领人可以一个或多过一个，而购买年金可以在开始时一次过缴付，亦可以是预先分期缴付。
比例计算法(average)保持十足的投保额，使承保人能收取足够的保费是极为重要的，如投保额不足，保险公司会采用「比例制度」。
这个制度乃为投保额不足的情况而设，让投保人需要承担不足部分的风险。
现时大部分财物和财务方面的保险都采用比例制度来计算赔偿。
「比例分担」条文(average condition)应用于财物保险(船舶保险除外)。
如投保额低于重置财物之市值，则赔偿额会于赔偿时按比例减少。
受益人(beneficiary)保单持有人所指定承受保险赔偿金的个人或个体。
改善(betterment)投保于「赔偿契约」保单的财物，经重建或修理后有所改善。
盗窃罪(burglary)通常指强行或以暴力进入或离开有关场所的偷窃行为，较完全偷窃保险的限制为多。
如果您有购买窃盗保险，则应查阅实际提供的承保范围，确保切合您的需要。
现金价值(cash value)保单持有人在取消保单合约时可以取回之款项。
保险凭证(certificate of insurance)由团体保单持有人对个别受保人发出之保险证明，内容清楚说明受保范围。
赔偿(claim)根据保单条款而支付的款项。
损害赔偿合约(contract of indemnity)适用于财物保险，目的是赔偿投保人遭受的损失，主要是避免投保人从不幸中获利（得到的赔偿比损失为大）。
保险术语
保险术语2.1 风险风险抑制risk restraint风险risk 风险中和risk neutralization纯粹风险pure risk 风险转移risk transfer投机风险speculative risk 风险集合risk pooling财产风险property risk 风险分散risk diversification责任风险liability risk 风险识别risk identification人身风险personal risk 风险估测risk estimation信用风险credit risk 风险评价risk evaluation环境风险environmental risk 风险分级risk classification职业风险occupational risk 风险管理技术选择自然风险natural risk risk management technique selection 巨灾风险catastrophic risk；catastrophe 控制型风险管理技术社会风险social risk loss control risk management techniques 政治风险political risk 财务型风险管理技术经济风险economic risk financial risk management techniques 税收风险tax risk法规风险legal risk ；regulatory risk 3.精算术语3.1 产品定价2.2 风险因素精算方法actuarial method风险因素hazard 精算师actuary物质风险因素physical hazard 精算假设actuarial assumption道德风险因素moral hazard 大数法则Law of large numbers心理风险因素morale hazard 修匀graduation风险事故peril 演示利率illustration Internet rate费率厘定rating2.3 风险管理纯保费法pure premium method风险管理risk management 损失率法loss ratio method风险管理目标risk management goal 定价利率pricing interest rate风险规避risk avoidance 保险费率premium rate风险自留risk retention 纯费率pure premium rate风险预防risk prevention 费率浮动premium rate adjustme保险术语纯保费pure premium 净保费net premium 附加费用loading 总保费Gross premium 已赚保费earned premium 未满期保费unearned premium 特殊费率special premium rate 评估净保费valuation net premium 风险修正因子credit and surcharge factor 财产保险产品定价损失loss 损失程度loss severity 案均损失average loss per claim 损失频率loss frequency 直接损失direct loss 间接损失indirect loss 人身保险产品定价生命表life table 死亡表Mortality table 经验生命表experience mortality table 国民生命表population mortality table 选择生命表select mortality table 终极生命表ultimate mortality table 综合生命表aggregate mortality table 平均余命life expectancy 疾病发生率表morbidity table 发病率morbidity rate 死亡率mortality rate3.2 准备金准备金reserve法定责任准备金statutory reserve评估利率valuation interest rate 保险公司依法确定的用以计算责任准备金的利率通用会计准则准备金generally accepted accounting principles（GAAP）reserve 在保险公司持续经营的前提下，为了在公正、一致的基础上反映经营状况、体现盈利水平，而采用合理而谨慎的假设计算的准备金保费不足准备金premium deficiency reserve（寿险）评估未来交费期间内的纯保费与毛保费之差，若纯保费大于毛保费，则按评估基础计算其在评估日的精算现值。
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。
保险条款（Insurance 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。
保险英文术语
页眉内容保险英文术语In sura nee P olicy (or Certificate) 保险单（或凭证）I.Risks & Coverage 险别(1)free from p articular average ((2)with p articular average (W.A.) 水渍险（基本险）（3）all risk 一切险（综合险）(4)total loss on ly ((5)war risk 战争险(6)cargo(exte nded cover)clauses 货物（扩展）条款(7)additio nal risk 附加险(8)from warehouse to warehouse clauses 仓至仓条款(9)theft ,p ilferage and non delivery ((10)ra in fresh water damage 淡水雨淋险(11)risk of shortage 短量险(12)risk of con tam in ati on 沾污险(13)risk of leakage 渗漏险(14)risk of clashi ng & breakage 碰损破碎险(15)risk of odour 串味险(31) aflatoxin黄曲霉素险(32) fire risk exte nsion clause-for storage of cargo at dest in ati on Hongkong,in cludi ng Kowloo n, 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(16)damage caused by sweat ing an d/or heati ng 受潮受热险(17)hook damage 钩损险 (18)loss an d/or damage caused by breakage of p ack ing 包装破裂险(19)risk of rusti ng 锈损险 (20)risk of mould 发霉险 (21)strike, riots and civel commoti on ( (22)risk of spontan eous combusti on 自燃险(23)deteriorati on risk 腐烂变质险 (24)i nhere nt vice risk 内在缺陷险 (25)risk of n atural loss or no rmal loss 途耗或自然损耗险(26)s pecial additio nal risk 特别附加险 (27)failure to delivery 交货不到险 (28)i mp ort duty 进口关税险 (29)on deck 仓面险 (30)rejection拒收险(47)c on tractors all risks 2.the st ipu lati ons for in sura nee(1)mari ne in sura nee p olicy海运保险单(2)s pecific policy单独保险单(3)voyage policy 航程保险单(34)survey at jetty risk 码头检验险 (35)i nstitute war risk 学会战争险 (36)overla nd transpo rtati on risks 陆运险 (37)overla nd transpo rtati on all risks 陆运综合险 (38)air transp ortati on risk 航空运输险 (39)air transp ortati on all risk 航空运输综合险 (40)air transp ortati on 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 )p arcel post war risk 邮包战争险 (44)i nvestme nt in sura nce(p olitical risks) 投资保险（政治风险）(45)prop erty in sura nee 财产保险 (46)erecti on all risks安装工程一切险建筑工程一切险保险条款(4)time policy 期限保险单(5)floati ng p olicy (or open p olicy) 流动保险单(6)ocea n mari ne cargo clauses 海洋运输货物保险条款(7)ocea n mari ne in sura nee clauses (froze n p roducts) 海洋运输冷藏货物保险条(8)ocea n mari ne cargo war clauses 海洋运输货物战争险条款(9)ocea n mari ne in sura nee clauses (woodoil in bulk) 海洋运输散装桐油保险条(10)overla nd transp ortati on in sura nee clauses (tra in, trucks) 陆上运输货物保险条款（火车、汽车）(11)overla nd transpo rtati on in sura nee clauses (froze n p roducts) 陆上运输冷藏货物保险条款(12)air transp ortati on cargo in sura nee clauses 航空运输货物保险条款(13)air transp ortati on cargo war risk clauses 航空运输货物战争险条款(14 )p arcel post in sura nee clauses 邮包保险条款(15 )p arcel post war risk in sura nee clauses 邮包战争保险条款(16)livestock & po ultry in sura nee clauses (by sea, la nd or air) 活牲畜、家禽的海上、陆上、航空保险条款(17) …risks clauses of the subject to(18)mari ne in sura nee p olicies or certificates in n egotiable form, for 110%full CIF in voice coveri ng the risks of War & W.A. as per the Peopl e'sIn sura nee Co. of China dated 1/1/1976. with exte nded cover up to KualaLumpur with claims p ayable in (at) Kuala Lumpur in the curre ncy of draft（irres pective of perce ntage）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(中英日)
一切（危）险 一揽子保单 人寿保险 工程保险 已灭失或未灭失 已赚保费 无效果，无报酬 无赔款折扣 开口保险单 不计免赔额 不可抗力 不定值保单 水险 内在缺陷 内陆运输保单 从属损失 仓至仓条款 公众责任保险 公估人 风险 分出公司 毛保费 反担保 水渍险 平安险 未决赔款 分摊 未能送达 可预期的最大损失 出面公司 申报保险单 代位求偿 代理人 汉堡规则 加保 加保费 协议全损 （通融全损） 协会条款 再保险 再保险集团 共同保险 共同海损 共同海损理算 成本加运费价格 成本加保险费 扣船 优先再保险 仲裁 延带费 自负额 自留额 合同 合同再保险 自愿保险 产品责任 冰雹 安装工程一切险
日本語 オールリスク 総合保険証券、パッケージ保険証券 生命保険 工事保険 滅失と否とを問わず 既経過保険料 不成功無報酬 無事故戻し 包括予定保険証券 免責歩合に拘らず 不可抗力 評価未済保険証券 海上保険 固有の欠陥 運送保険 間接損害 倉庫間約款 施設賠償責任保険 評価人 危険 出再保険会社 総保険料 裏保証 分損担保 分損不担保 未払保険金 分担 不着 P.M.L. フロンティング会社 通知保険 代位求償 代理人、代理店 ハンブルグ ルール （保険金額の）増額 追加保険料 協定全損
额外费用 履约保证 默示保证 爆炸 潜在缺点
法律上的义务支付 法律上的赔偿责任
保险 保险委付
insurer certificate of insurance subject-matter of insurance recovery sue and labor charges to cancel excluded liability claim breakage lien total loss of part FOB Hague-Visby rules sea protest pirates floating policy open cover settlement of claims claim settling agent adjuster survey business interruption insurance aflatoxin constructive total loss third party liability insurance T.P.N.D deviation protection and indemnity association classification of ships marine hull insurance commodity inspection bill of lading stranding loss ratio indemnity loss,claim utmost good faith rust voyage charter shortage container ship employer's liability compulsory insurance negligence embargo collision accident insurance casualty insurance extra charges performance bond implied warranty explosion latent defect
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
2.1 风险风险risk纯粹风险pure risk投机风险speculative risk财产风险property risk责任风险liability risk人身风险personal risk信用风险credit risk环境风险environmental risk职业风险occupational risk自然风险natural risk巨灾风险catastrophic risk, catastrophe 社会风险social risk政治风险political risk经济风险economic risk税收风险tax risk法规风险legal risk , regulatory risk2.2 风险因素风险因素hazard物质风险因素physical hazard道德风险因素moral hazard心理风险因素moral hazard风险事故peril2.3 风险管理风险管理risk management风险管理目标risk management goal风险规避risk avoidance风险自留risk retention风险预防risk prevention风险抑制risk restraint风险中和risk neutralization风险转移risk transfer风险集合risk pooling风险分散risk diversification风险识别risk identification风险估测risk estimation风险评价risk evaluation风险分级risk classification风险管理技术选择risk management technique selection控制型风险管理技术loss control risk management techniques 财务型风险管理技术financial risk management techniques3.精算术语3.1 产品定价精算方法actuarial method精算师actuary精算假设actuarial assumption大数法则Law of large numbers修匀graduation演示利率illustration Internet rate费率厘定rating纯保费法pure premium method损失率法loss ratio method定价利率pricing interest rate保险费率premium rate纯费率pure premium rate费率浮动premium rate adjustment纯保费pure premium净保费net premium附加费用loading总保费Gross premium已赚保费earned premium未满期保费unearned premium特殊费率special premium rate评估净保费valuation net premium风险修正因子credit and surcharge factor财产保险产品定价损失loss损失程度loss severity案均损失average loss per claim损失频率loss frequency直接损失direct loss间接损失indirect loss人身保险产品定价生命表life table死亡表Mortality table经验生命表experience mortality table国民生命表population mortality table选择生命表select mortality table终极生命表ultimate mortality table综合生命表aggregate mortality table平均余命life expectancy疾病发生率表morbidity table发病率morbidity rate死亡率mortality rate3.2 准备金准备金reserve法定责任准备金statutory reserve评估利率valuation interest rate保险公司依法确定的用以计算责任准备金的利率通用会计准则准备金generally accepted accounting principles（GAAP）reserve 在保险公司持续经营的前提下，为了在公正、一致的基础上反映经营状况、体现盈利水平，而采用合理而谨慎的假设计算的准备金保费不足准备金premium deficiency reserve（寿险）评估未来交费期间内的纯保费与毛保费之差，若纯保费大于毛保费，则按评估基础计算其在评估日的精算现值。
保险术语
2.1 风险风险risk纯粹风险pure risk投机风险speculative risk财产风险property risk责任风险liability risk人身风险personal risk信用风险credit risk环境风险environmental risk职业风险occupational risk自然风险natural risk巨灾风险catastrophic risk；catastrophe 社会风险social risk政治风险political risk经济风险economic risk税收风险tax risk法规风险legal risk ；regulatory risk2.2 风险因素风险因素hazard物质风险因素physical hazard道德风险因素moral hazard心理风险因素morale hazard风险事故peril2.3 风险管理风险管理risk management风险管理目标risk management goal风险规避risk avoidance风险自留risk retention风险预防risk prevention风险抑制risk restraint风险中和risk neutralization风险转移risk transfer风险集合risk pooling风险分散risk diversification风险识别risk identification风险估测risk estimation风险评价risk evaluation风险分级risk classification风险管理技术选择risk management technique selection控制型风险管理技术loss control risk management techniques 财务型风险管理技术financial risk management techniques3.精算术语3.1 产品定价精算方法actuarial method精算师actuary精算假设actuarial assumption大数法则Law of large numbers修匀graduation演示利率illustration Internet rate费率厘定rating纯保费法pure premium method损失率法loss ratio method定价利率pricing interest rate保险费率premium rate纯费率pure premium rate费率浮动premium rate adjustment纯保费pure premium净保费net premium附加费用loading总保费Gross premium已赚保费earned premium未满期保费unearned premium特殊费率special premium rate评估净保费valuation net premium风险修正因子credit and surcharge factor财产保险产品定价损失loss损失程度loss severity案均损失average loss per claim损失频率loss frequency直接损失direct loss间接损失indirect loss人身保险产品定价生命表life table死亡表Mortality table经验生命表experience mortality table国民生命表population mortality table选择生命表select mortality table终极生命表ultimate mortality table综合生命表aggregate mortality table平均余命life expectancy疾病发生率表morbidity table发病率morbidity rate死亡率mortality rate3.2 准备金准备金reserve法定责任准备金statutory reserve评估利率valuation interest rate保险公司依法确定的用以计算责任准备金的利率通用会计准则准备金generally accepted accounting principles（GAAP）reserve在保险公司持续经营的前提下，为了在公正、一致的基础上反映经营状况、体现盈利水平，而采用合理而谨慎的假设计算的准备金保费不足准备金premium deficiency reserve（寿险）评估未来交费期间内的纯保费与毛保费之差，若纯保费大于毛保费，则按评估基础计算其在评估日的精算现值。
- 1、下载文档前请自行甄别文档内容的完整性，平台不提供额外的编辑、内容补充、找答案等附加服务。
- 2、"仅部分预览"的文档,不可在线预览部分如存在完整性等问题,可反馈申请退款(可完整预览的文档不适用该条件!)。
- 3、如文档侵犯您的权益，请联系客服反馈,我们会尽快为您处理(人工客服工作时间：9:00-18:30)。
保险英文术语Insurance Policy (or Certificate)保险单（或凭证）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, for 110%full CIF invoice covering the risks of War & W.A. as per the People'sInsurance 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。
按照汇票所使用的货币在吉隆坡赔付（无免赔率）(19)insurance policy or certificate settling agent's name is to be indicated, any additional premium to cover uplift between 10 and 17% may be drawnin excess of the credit ualue保险单或凭证须表明理赔代理人的名称，保险费如增加10-17%可在本证金额以外支付(20)insurance policy (certificate)… Name of A ssured to be showed:A.B.C.Co. Ltd.保险单或凭证作成以A.B.C.有限公司为被保险人(21)insurance policy or certificate covering W.A. (or F.P.A.) and war risks as per ocean marine cargo clause and ocean marine cargo war risk clauses of the People's Insurance Company of China dated 1/1/1981保险单或凭证根据中国人民保险公司1981年1月1日的海洋运输货物保险条款和海洋运输货物战争险条款投保水渍险（或平安险）和战争险(22)insurance policy/certificate covering all war mines risks保险单/凭证投保一切险、战争险、地雷险（注：mines解释为地雷，属于战争险的负责范围，可以接受）(23)W.A. this insurance must be valid for period of 60 days after the discharge of goods水渍险在货物卸船后60天有效(24)in triplicate covering all risks and war risks including W.A. andbreakage in excess of five per cent on the whole consignment and including W/W up to buyer's godown in Penang投保一切险和战争险包括水渍险，破碎损失有5%绝对免赔率，按全部货物计算，包括仓至仓条款，负责到买方在槟城的仓库为止（的保险单）一式三份(25)insurance policy issued of endorsed to order… for the face value of invoice plus 10% covering including war with 15 days after arrival of goods at destination, only against FPA and T.P.N.D.按发票面值加10%投保战争险，货物到达目的地后15天有效，仅负责平安险和盗窃提货不着险的保险单开给或背书给……(26)insurance policy or certificate issued by an insurance Co. with W.P.A. clause covering the merchandise for about 10% above the full invoice value including unlimited transhipment with claims payable at Singapore由保险公司签发的保险单或凭证按发票总金额另加10%投保水渍险，包括非限定转船的损失，在新加坡赔付(27)covering all eventual risks投保一切以外风险(28)covering all marine risks投保一切海运风险(29)marine insurance policy including "both ot blame" collision clauses and fully covering the shipment海运保险单包括负责船舶互撞条款和全部货载(30)insurance… including devia tion clauses保险包括绕道条款(31)covering overland transportation all risks as per overland transportation cargo insurance clauses (train, trucks) of the People'sInsurance Company of China dated…按照中国人民保险公司×年×月×日陆上运输货物保险条款（火车、汽车）投保陆上运输一切险(32)covering air transportation all risk as per air transportation cargo insurance clauses of P.I.C.C.按照中国人民保险公司×年×月×日航空运输货物保险条款投保航空运输一切险(33)insurance policy or certificate covering parcel post all risks including war risks as per parcel post insurance clauses and parcel post war risk insuracne clauses of the People's Insurance Company of China dated…保险单或凭证按照中国人民保险公司×年×月×日邮包保险条款和邮包战争险条款投保邮包一切险和邮包战争险(34)covering all risks including war risks as per ocean marine cargo clauses and air transportation cargo insurance clauses and ocean marine cargo war risk clauses and air transportation cargo war risk clauses of the People's Insurance Company of China dated…按照中国人民保险公司×年×月×日海洋运输货物保险条款和航空运输货物保险条款以及海洋运输货物战争险条款和航空运输货物战争险条款投保海空联运一切险和战争险(35)covering all risks as per ocean marine cargo clauses and overland transportation cargo insurance clause (train, truck) of P.I.C.C. dated…按照中国人民保险公司×年×月×日海洋运输货物保险条款和陆上运输货物保险条款（火车、汽车）投保海陆联运一切险(36)covering all risks including war risks as per overland transportation cargo insurance clauses (train,truck) and air transportation cargo insurance clauses and air transportation cargo war risk clause and war clauses (for cargo transportation by rail) of the People's Insurance Company of Chinadated…按照中国人民保险公司×年×月×日陆运货物保险条款（火车、汽车）和空运货物保险条款以及空运货物战争险条款和铁路货运战争条款投保陆空陆联运一切险和战争险(37)including shortage in weight in excess of 0.5%(with 0.5% franchise) on the whole consignment包括短量损失有0.5%绝对免赔率（0.5%相对免赔率），按全部货物计算(38)including risk of breakage and clashing包括破裂或凹瘪险(39)including risk of chipping & denting包括碎裂或凹弯险(40)including risk of bad odour包括恶味险(41)including damage by hooks, oils, muds and contact with othercargo(insured value)包括钩损、油污、泥污以及和他物接触所致的损失（以保险价值为限）(42)including damage caused by rain fresh and/or water, internal combustion(total or partial loss)包括淡水雨淋，自燃所致的损失（包括全部或部分损失）(43)including loss and/or damage caused by sea water, fresh-water, acid,grease包括海水、淡水、酸蚀、油脂所致的损失(44)including T.P.N.D. loss and/or damage caused by heat, ship's sweat and odour, hoop-rust, breakage of packing包括偷窃提货不着，受热船舱发汗，串味，铁箍锈损，包装破裂所致的损失(45)including damage caused by infestation mould包括虫蛀霉烂的损失(46)including damage due to rough handling during transit subject toC.T.C.按照中国保险条款包括运输途中操作不当所致的损失(47)including loss and/or damage from any external cause as per CIC按照中国保险条款包括外来原因所致的损失(48)including damage by slings, stains, grease, acids包括吊具、斑污、油脂、酸蚀造成的损失(49)excluding risk of breakage不包括破碎险(50)including the breakage does not cover the goods remarked in th invoice as originally damage包括破碎险，但不负责发票所示之货物的原残损失(51)excluding natural loss in weight不包括途耗短量的损失(52)including 60 days after discharge of the goods at port of destination (or at station of destination) subject to C.T.C.按照中国保险条款货物在目的港卸船（或在目的地车站卸车）后60天为止(53)including W.A. & risk of fire for 60 days in customs warehouse after discharge of the goods at port of destination subject to CIC按照中国保险条款投保水渍险和火险，在目的港卸货后存入海关仓库60天为止(54)this insurance must be valid for a period of 60 days after arrival of merchandise at inland destination本保险扩展到货物到达内地的目的地后60天有效(55)insurance policy or certificate covering F.P.A. including the risk of war and risks of S.R.C.C. as per I.C.C. dated…and institute war clauses dated…and institute S.R.C.C. clauses dated…按照×年×月×日伦敦保险学会条款和×年×月×日学会战争险条款以及×年×月×日学会罢工、暴动、民变险条款投保平安险、战争险和罢工、暴动、民变险(56)the People's Insurance Company of China investment insurance(political risks) clauses中国人民保险公司投资保险（政治风险）条款(57)property insurance clauses财产保险条款(58)the People's InsuranceCompany of China Erection all risks clauses中国人民保险公司安装工程一切险条款(59)the People's Insurance Company of China contractors all risks clauses中国人民保险公司建筑工程一切险条款。