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保险专业英语常用词汇(大全)

保险专业英语常用词汇(大全)

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 AverageF.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5保险英语翻译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6保险英语翻译保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP预期利润损失险,利损险Advance profit预期利润broker经纪人Business Interruption Insurance (BI营业中断险captive自保公司casualty意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlement理赔combined ratioPICC 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3保险英语词汇表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 地形图综合赔付率Consequential Loss (CL7保险英语翻译,保险专业词汇。

保险专业英语常用词汇大全

保险专业英语常用词汇大全

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 平安险With Particular Average 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 damagewetting 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5保险英语翻译risk of bad odourchange of flavour 恶味险,变味险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risk of mould 发霉险on deck risk 舱面险6保险英语翻译保险业词汇Terms used in insurance industry accident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catastrophe巨灾险ceding company分出公司claim索赔claim settlement理赔combined ratio综合赔付率Consequential Loss CL7保险英语翻译,保险专业词汇; 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priority 分保自留额priority 自付责任3保险英语词汇表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engineering insurance工程保险Erection All Risks EAR安装工程一切险安工险excess of loss cover超额赔偿EXL protection超赔保障facultative business临分保IBRNIncurred but not reported losses 已发生但未报的损失IBRN reserveIBRN 储备金indemnity period/limit赔期/期限inflated claim超额索赔insurance capacity承保能力8保险英语翻译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2保险英语词汇翻译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insured property参保物业Kobe神户Lloyd劳合社long-tail长尾Loss of profit利损险Machinery Breakdown Insurance 机器损坏〕险,机损险mail/sub-contractor主/分承包商maintenance保证期multiple claim多次重复索赔non-life非寿险officer & director liabilityintensity 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 告知雇主保险outstanding claim reserve未决索赔准备金PC industryproperty & catastrophe industryperil危险policy保单9保险英语翻译pool英语翻译:联营possible maximum loss 英语翻译:可能的最大损失premium 英语翻译:保费primary insurance company 英语翻译:原保公司、主保险商principal/employer 英语翻译:业主professional英语翻译:专业险profit margin英语翻译:利润边际property英语翻译:财产险proportional cover比例分保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3保险词汇翻译proportional reinsurance 比例再保险rainstorm 雨暴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retention10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 风暴保险Insurance保险法Law of Insurance保险公司Insurance Company 保险合同Insurance Contract 保险单Policy保险条款Insurance Clauses 保险标的Insurance Subject 保险金额Insured Amount保险期限Insurance Period保险费Insurance Premium保险人Insurer被保险人Insured保险代理人Insurance Agent保险经纪人Insurance Broker财产保险Property Insurance产品责任保险Product Liability Insurance劳工保险和雇主责任保险Workers Compensation and Employer Liability Insurance 年金保险Annuities Insurance人寿保险Life Insurance两全保险Endowment Assurance现金价值Cash Value终身寿险Whole Life Insurance再保险Reinsurance保险基本英语术语累积结余accumulated value全险all risks年金annuity比例计算法average「比例分担」条文average condition受益人beneficiary改善betterment盗窃罪burglary现金价值cash value保险凭证certificate of insurance赔偿claim损害赔偿合约contract of indemnity间接损失consequential loss分摊contribution互有疏忽contributory negligence参与供款计划contributory plan可转换定期寿险convertible term insurance冷静期cooling-off period保障范围cover承保单附条文收据cover note conditional receipt客户保障声明书customer protection declaration form 递减定期寿险decreasing term insurance自付额/免赔额deductible界定福利计划defined benefit plan重复补偿double indemnity批单endorsements储蓄保险endowment insurance不受保项目exceptions自付额excess不受保项目exclusion见exclusions起赔额率franchise不可争议条款incontestability provision可保权益insurable interest中间人intermediary儿童保险单juvenile insurance policy定额定期寿险level term insurance雇员征费levy有限责任limits of liability理赔师loss adjuster恶意破坏malicious damage重大转变material changes重要事实material fact期满maturity期满日maturity date指定风险保险named peril policy疏忽negligence缴清保单paid-up policy终身寿险permanent life insurance个人责任personal liability保单policy保单附加条款policy rider保单现金提取条款policy withdrawal provision 保费premium第一受益人primary beneficiary公众责任public liability附加保障rider标准风险standard risks次标准风险substandard risks自杀不保条款suicide exclusion provision投保额sum insured退保手续费surrender charge定期寿险term life insurance第三者third party第三者责任third party liability / public liability完全及永久伤残total and permanent disability 投保不足under-insurance核保人underwriters核保underwriting最高诚信utmost good faith投资人寿保险variable life insurance无效void保费豁免/伤残权益waiver of premium for disability benefit保费豁免/支付益waiver of premium for payer benefit终身寿险whole life insurance每年续保定期计划yearly renewable termInsurance Policy or Certificate保险单或凭证& Coverage险别1free from particular average 平安险2with particular average .水渍险基本险3all risk一切险综合险4total loss only 全损险5war risk战争险6cargoextended coverclauses货物扩展条款7additional risk附加险8from warehouse to warehouse clauses仓至仓条款9theft,pilferage and nondelivery 盗窃提货不着险10rain fresh water damage淡水雨淋险11risk of shortage短量险12risk of contamination沾污险13risk of leakage渗漏险14risk of clashing & breakage碰损破碎险15risk of odour串味险16damage caused by sweating and/or heating受潮受热险17hook damage钩损险18loss and/or damage caused by breakage of packing包装破裂险19risk of rusting锈损险20risk of mould发霉险21strike, riots and civil commotion 罢工、暴动、民众骚乱险22risk of spontaneous combustion自燃险23deterioration risk腐烂变质险24inherent vice risk内在缺陷险25risk of natural loss or normal loss途耗或自然损耗险26special additional risk特别附加险27failure to delivery交货不到险28import duty进口关税险29on deck仓面险30rejection拒收险31aflatoxin黄曲霉素险32fire risk extension clause-for storage of cargo at destination Hong Kong, 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33survey in customs risk海关检验险34survey at jetty risk码头检验险35institute war risk学会战争险36overland transportation risks陆运险37overland transportation all risks陆运综合险38air transportation risk航空运输险39air transportation all risk航空运输综合险40air transportation war risk航空运输战争险41parcel post risk邮包险42parcel post all risk邮包综合险43parcel post war risk邮包战争险44investment insurancepolitical risks投资保险政治风险45property insurance财产保险46erection all risks安装工程一切险47contractors all risks建筑工程一切险金融英语fect:保险业英文术语二stipulations for insurance保险条款1marine insurance policy海运保险单2specific policy单独保险单3voyage policy航程保险单4time policy期限保险单5floating policy or open policy流动保险单6ocean marine cargo clauses海洋运输货物保险条款7ocean marine insurance clauses frozen products海洋运输冷藏货物保险条款8ocean marine cargo war clauses海洋运输货物战争险条款9ocean marine insurance clauses woodoil in bulk海洋运输散装桐油保险条款10overland transportation insurance clauses train, trucks陆上运输货物保险条款火车、汽车11overland transportation insurance clauses frozen products 陆上运输冷藏货物保险条款12air transportation cargo insurance clauses航空运输货物保险条款13air transportation cargo war risk clauses航空运输货物战争险条款14parcel post insurance clauses邮包保险条款15parcel post war risk insurance clauses邮包战争保险条款16livestock & 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 subject to 根据中国人民保险公司的保险条款投保……险18marine insurance policies or certificates in negotiable form, for 110% full CIF invoice covering the risks of War & . as per the People's Insurance Co. of China dated 1/1/1976. withextended 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19insurance policy or certificate settling agent's name is to be indicated, any additional premium to cover uplift between 10 and 17% may be drawn in 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20insurance policy certificate…Name of Assured to be showed: Ltd.保险单或凭证作成以有限公司为被保险人21insurance policy or certificate covering . or 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22insurance 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. 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24in triplicate covering all risks and war risks including . and breakage 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25insurance 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……26insurance policy or certificate issued by an insurance Co. with 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27covering all eventual risks投保一切以外风险28covering all marine risks投保一切海运风险29marine 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30insurance…including deviation clauses保险包括绕道条款变更航程条款31covering overland transportation all risks as per overland transportation cargo insurance clauses train, trucks of the People's Insurance 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32covering air transportation all risk as per air transportation cargo insurance clauses of 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33insurance 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34covering 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35covering all risks as per ocean marine cargo clauses and overland transportation cargo insurance clause train, truck of 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36covering 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 China dated…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37including shortage in weight in excess of %with % franchise on the whole consignment包括短量损失有%绝对免赔率%相对免赔率,按全部货物计算38including risk of breakage and clashing包括破裂或凹瘪险39including risk of chipping & denting包括碎裂或凹弯险40including risk of bad odour包括恶味险41including damage by hooks, oils, muds and contact with other cargoinsured 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42including damage caused by rain fresh and/or water, internal combustiontotal 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43including 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44including loss and/or damage caused by heat, ship'ssweat 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45including damage caused by infestation mould包括虫蛀霉烂的损失46including damage due to rough handling during transit subject to 按照中国保险条款包括运输途中操作不当所致的损失47including 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48including damage by slings, stains, grease, acids包括吊具、斑污、油脂、酸蚀造成的损失49excluding risk of breakage不包括破碎险50including 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51excluding natural loss in weight不包括途耗短量的损失52including 60 days after discharge of the goods at port of destination or at station of destination subject to 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53including . & 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54this 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55insurance policy or certificate covering including the risk of war and risks of as per dated…and institute war clauses dated…and institute 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56the 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57property insurance clauses财产保险条款58the People's Insurance Company of China Erection all risks clauses中国人民保险公司安装工程一切险条款59the 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。

保险专业英语常用词汇

保险专业英语常用词汇

保险英语,保险词汇共享: acceptance policy 英文翻译:核保政策 accounting period英文翻译:结算期 aggregatelimit 英文翻译:累积限额aggregated loss 英文翻译:累积损失 antiselection 英文翻译:逆选择ART AlternativeRisk Transfer 英文翻译: 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4保险英语词汇翻译险种及险别 险种health insurance 疾病保险,健康保险sickness insurance 疾病保险 insuranceduring 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 insuranceon last survivor 长寿保险 socialinsurance 社会保险 personal propertyinsurance 个人财产保险 insurance ofcontents 家庭财产保险 险别 All Risks一切险 risk of breakage 破碎险 risk ofclashing 碰损险 risk of rust 生锈险risk of hook damage 钩损险 risk ofcontamination tainting 污染险insurance against total loss only TLO 全损险 risk of deterioration 变质险 riskof packing breakage 包装破裂险 risk ofinherent vice 内在缺陷险 risk of normalloss 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 individuallosses 单一损失insurability 可保性 insuredlosses 保险损失 intensityAir 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 damagewetting 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 5保险英语翻译risk of badodourchange of flavour 恶味险,变味险 risk of mould 发霉险 on deck risk 舱面险 6保险英语翻译保险业词汇 Terms used in insurance industryaccident 意外事故险 actuarial method 精算法 Advance LossProfits 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烈度 layering 层次 lessexposed 损失可能性小 liability 责任 light damage 轻度破坏 line slips 分保条loading 附加费 lossoccurrence 损失发生 lossoccurring basis 损失发生基础 loss participation 分担损失 loss settlement 损失赔付 magnitude 震级 maliciousdamage 恶意损害 moderatedamage 中度破坏 multi-storybuilding 多层建建筑 MunichRe 慕尼黑再 net retainedlines 净自留额 net retainedlosses 损失净自赔额 noprofit commission 无纯益风险 non-proportionalreinsurance 非比例再保险notification 告知 object 标的 obligatory reinsurance固定分保 originaldeductibles 原始免赔额original rate 原始费率分出公司 claim 索赔 claim settlement 理赔 combined ratio 综合赔付率 Consequential Loss CL7保险英语翻译,保险专业词汇;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 engineeringinsurance 工程保险 Erection All RisksEAR 安装工程一切险安工险 excess of losscover 超额赔偿 EXL protection 超赔保障facultative business 临分保IBRNIncurred but not reported losses 已发生但未报的损失 IBRN reserveIBRN 储备金 indemnity period/limit 赔期/期限inflated claim 超额索赔 insurancecapacity 承保能力 8保险英语翻译insuredproperty 参保物业 Kobe 神户 Lloyd 劳合社 long-tail 长尾 Loss of profit 利损险Machinery Breakdown Insurance 机器损坏〕险,机损险 mail/sub-contractor 主/分承包商 maintenance 保证期 multiple claim多次重复索赔 non-life 非寿险 officer &director liability 雇主保险 outstandingpaid-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 3保险英语词汇表proportionalreinsurance 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claim reserve 未决索赔准备金 PC industryproperty & catastropheindustryperil 危险 policy 保单 9保险英语翻译pool 英语翻译:联营 possible maximum loss 英语翻译:可能的最大损失 premium 英语翻译:保费 primaryinsurance company 英语翻译:原保公司、主保险商 principal/employer 英语翻译:业主 professional 英语翻译:专业险 profit margin 英语翻译:利润边际 property 英语翻译: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retention10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2保险英语词汇翻译hour clause 小时条款hurricane 飓风 individual losses 单一损失insurability 可保性 insuredlosses 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3保险词汇翻译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。

保险常用英文词汇

保险常用英文词汇

保险常用英文词汇
导语:保险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,或者被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限等条件时承担给付保险金责任的商业保险行为。

下面是YJBYS 小编收集整理的有关保险的英语词汇,欢迎参考!
insurance company 保险GS
insurance policy 保险单
insurance premium 保险费
insured, assured 被保险人
insurer, underwriter 保险人;保险商
indemnity 赔款
indemnity 损害赔偿
all-risks policy 一切险保单
assignment clause 转让条款
average adjuster 海损理算人
abandonment clause 委付条款
act of god 不可抗力
actuary 保险精算师
average clause 共同海损分担条款
average 海损、海损分摊
branch of insurance 保险类别
cargo damage survey 货损检验
cargo insurance 货物保险
certificate of insurance 保险证明书。

保险专业术语100个

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)。

保险英语常用词汇

保险英语常用词汇

保险英语常用词汇insure 保险;投保;保证insurance 保险;保险费;保险金额underwriters 保险商(指专保水险的保险商)保险承运人insurance company 保险公司insurer 保险人insurance broker 保险经纪人insurance underwriter 保险承保人insurance applicant 投保人insurant, the insured 被保险人,受保人to cover (effect,arrange,take out) insurance 投保insurance coverage;risks covered 保险范围insurance slip 投保单insured amount 保险金额insurance against risk 保险insurance clause 保险条款insurance instruction 投保通知insurance business 保险企业insurance conditions 保险条件PICC (People’s Insuran ce Company of China) 中国人民保险公司risk insured, risk covered 承保险项risk 险别to provide the insurance 为...提供保险leaflet 说明书fine print 细则insurance expense 保险费premium rate 保险费率premium 保险费insurance rate 保险费率表insurance proceeds 保险金(保险收入)insurance free of (from) particular average (FPA). 平安险(单独海损不赔)insurance with particular average (WPA), basic risks. insurance against all risks. 综合险,应保一切险risk of breakage 破碎险risk of clashing 碰损险risk of rust 生锈险risk of hook damage 钩损险risk of contamination (tainting) 污染险insurance against total loss only (TLO) 全损险risk of deterioration 变质险risk of packing breakage 包装破裂险risk of inherent vice 内在缺陷险risk of normal loss (natural loss)? 途耗或自然损耗险risk of spontaneous combustion 自然险risk of contingent import duty 进口关税险insurance against war risk 战争险Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险insurance against strike, riot and civil commotion (SRCC) 罢工,暴动,民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TRND) 盗窃提货不着险risk of fresh and/of rain water damage(wetting) 淡水雨淋险risk of leakage 渗漏险risk of shortage in weight/quantity 短量险risk of sweating and/or heating 受潮受热险risk of bad odour(change of flavour) 恶味险,变味险risk of mould 发霉险on deck risk 舱面险ocean marine cargo insurance clauses 海洋运输货物保险条款transportation insurance 运输保险overland transportation insurance, land transit insurance 陆上运输保险insurance against air risk, air transportation insurance 航空运输保险parcel post insurance 邮包运输保险ocean marine cargo insurance, marine insurance 水险(海运货物保险)All Risks 一切险average 海损Particular Average (P.A) 单独海损General Average (G.A) 共同海损Marine Losses 海损partial loss 部分损失total loss 全部损失health insurance 疾病保险,健康保险sickness insurance 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险insurance during a period of illness 疾病保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险to purchase health insurance 购买健康保险to have a health insurance policy 购买健康保险Additional Words and Phrasespolicy-holder 保险客户extra premium 额外保险费additional premium 附加保险费保险英语词汇Aabandonment 委付abandonment clause 委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss 累积损失all-risks policy 一切险保单antis election 逆选择applicant 投保人application 投保单approved 承保assignment clause 转让条款average 海损、海损分摊average adjuster 海损理算人average clause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing 包装破碎险broker 经纪人保险英语词汇Ccapacity 承保能力captive 自保公司captive pools 自保组合cargo damage adjustment 货损理算cargo damage inspection 货损检验cargo damage prevention 货损预防cargo damage report 货损报告cargo damage survey 货损检查,货物损坏检验cargo insurance premium 货物保险费cargo insurance rate 货物保险费率cargo insurer 货物承保人cargo policy 货物保单,货物保险单cargo premium 货运保险费,货物保险费cargo underwriter 货物保险承保人(商),货险承保人,货物承保人cash loss 现金赔款cash value 现金价值catastrophe 巨灾catastrophe excess of loss(CXL)巨灾超赔\巨灾超赔分保categories of insurance 保险类别ceding company 分出公司ceding(insurance)company 分保公司ceding, retrocession(for reinsurance) 分保certificate of cargo damage 货损证明certificate of insurance 保险证明、保险凭证cession limit 分保限额China Insurance Clause (CIC) 中国保险条款claim 索赔claim assessor 索赔人claim settlement 理赔claim-prone 容易出险claims and arbitration 索赔与仲裁claims assistance 理赔协助clash and breakage 碰损,破碎险clean cut 结清方式coinsurance 共保co-insurance 共同保险co-insurance company 共同保险公司combined ratio 综合赔付率commencement and termination 起讫concurrent insurance 同时保险consequential loss (CL) 后果损失constructive total loss 推定全损contingent liquidity 或有流动性continued insurance 继续保险co-related risks 关联风险cover 承保、责任额cover note 保险证明书,承保单,保险证明cover note 暂保单(证明同意承保的临时文件)coverage 受保范围保险英语词汇Ddamage 损坏赔偿金damage cargo clerk 理残员,货损管理员damage cargo list 货损单,残货单damage certificate 损坏证明书damage claim 损坏索赔damaged by other cargo 由其他货物损害damaged cargo list 受损货物单damaged cargo report 受损货物报告书,货物损害报告deductibles 免赔额deposit premium 预付保费destroyed 毁坏disbursement policy (船舶)驶费保险单dividend system 红利制度double insurance 双保险dual valuation clause 双重价值条款保险英语词汇Eemployer 业主Endorsement 批单endorsement: 签注endowment insurance 养老保险endowment policy 人寿定期保险单event limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款excess of loss cover 超额赔偿excess of loss(XL) 超赔分保exclusion 除外责任EXL protection 超赔保障exposed areas 风险承受区域exposure rating 风险评估extended-term insurance 过期保险extra charges 额外费用extra premium 额外保险费extraneous risks (additional risks) 附加险保险英语词汇Ffacultative business 临分保facultative reinsurance 临时分保fault liability 过失责任financial quota shares 成数分保fine print 细则finite risk 有限制的风险finite risk transfer 有限风险转移floating policy 浮动保险单franchise (deductible) 免赔额;免赔率free of all average (FAA) 全损赔偿freight insurance 运费保险freight policy 运费保险单full coverage 全额承保full insurance 全额保险full insurance value 足额保险价值full liability 全部责任保险英语词汇Ggeneral average(GA)共同海损grace period 宽限期gross net premium income(GNPI)总净保费收入group insurance 团体保险guarantee of insurance 保险担保书保险英语词汇Hhazard 危险因素health insurance 疾病保险,健康保险heavy damage 严重破坏holistic risk transfer 整体风险转移hook damage 勾(钩)损险hour clause 小时条款保险英语词汇IIBRN reserve 已发生但未报的损失储备金,IBRN储备金import cargo insurance 进口货物保险increased value clause 增值条款increased value insurance 增值保险increasing coverage, extending coverage 加保Incurred but not reported losses(IBRN) 已发生但未报的损失indemnity limit 赔偿期限indemnity period 赔偿期individual losses 单一损失industrial insurance 产业保险inflated claim 超额索赔inherent nature of cargo 货物的固有性inherent vice 内在缺陷inherent vice of cargo 货物固有缺陷inspection of cargo 积货鉴定,货物检验,检查货物inspection of cargo GA or PA 海损(单独海损或共同海损)鉴定inspection on damaged cargo 货物残损检验installment insurance 分期付款保险Institute Cargo Clauses (ICC,I.C.C.) 协会货物(保险)条款insurability 可保性insurance 保险,保险费,保险金额insurance act 保险条例insurance against risk 保险insurance agent(s) 保险代理,保险代理人insurance amount 保险金额\保险额insurance applicant 投保人insurance assessor 保险公估人insurance broker 保险经纪人insurance business 保险企业\保险业insurance capacity 承保能力insurance certificate 保险凭证\保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件\保险契约约定条款insurance contract 保险合同insurance corporation 保险公司insurance coverage 保险范围,保额insurance declaration sheet(bordereau) 保险申报单(明细表) insurance division 保险部insurance document 保险单据insurance expense 保险费insurance fond 保险基金insurance industry 保险业insurance instruction 投保通知,投保须知insurance law 保险法insurance on last survivor 长寿保险insurance period 保险期限insurance policy 保险单\保单insurance premium 保险费insurance proceeds 保险金(保险收入),保险赔偿金,保险赔款insurance rate 保险费率表insurance securitization 保险证券化insurance slip 投保单\投保申请书insurance subject 保险标的insurance treaty 保险合同insurance underwriter 保险承保人insurance value(insurance amount) 保险金额insurant 被保险人,受保人insure 保险、投保、保证insured 被保险人insured amount 保险金额insured loss 保险损失insured property 参保物业Insured Value 保险价值insurer 保险人、保险公司,保险商insurer (underwriter) 承保人、保险人investment insurance 投资保险保险英语词汇J-LJjettison 投弃Llaw of insurance 保险法law of large numbers 大数法则leaflet 说明书less exposed 损失可能性小letter of guarantee 保函,保证书liability 责任liability insurance 责任保险license bond 执照保险life assured 人寿保险投保人life expectancy 平均余命life fund 人寿保险基金life insurance 人寿保险life insurance actuary 人寿保险精算师life insurance reserve 人寿保险责任准备金life Table 生命表light damage 轻度破坏limits 投保限额line slips 分保条liquidity support 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费loss adjuster 损失理算人loss occurrence 损失发生loss occurring basis 损失发生基础loss of profit 利损险loss participation 分担损失loss ratio 损失率loss ratio 赔付率loss settlement 损失赔付保险英语词汇Mmail contractor 承包商main risks 主险maintenance 保证期malicious damage 恶意损害marine insurance 海上运输保险,水险marine losses 海损medical insurance 医疗保险mortality tables 死亡率表(用于计算保险风险)multiple claim 多次(重复)索赔multiple insurance 重复保险mutual insurance 相互保险mutual insurance company 相互保险公司保险英语词汇NNatCat pooling 自然灾害共保natural catastrophe(NatCat)自然灾害natural premium 自然纯保费net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险no-claims bonus 无索偿奖金non-life 非寿险non-proportional reinsurance 非比例再保险notification 告知保险英语词汇Oobject 标的obligatory reinsurance 固定分保ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险original deductibles 原始免赔额original rate 原始费率over insurance 超额保险overland (transportation) insurance 陆上运输保险保险英语词汇Pparcel post insurance 邮包运输保险partial loss 部分损失particular average (PA) 单独海损peril 危险、危险事故perils of the sea 海上风险permit bond 许可证保险placement 安排policy 保单、保险单、保险契约policy holder 保险客户\保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金policy-holder 保险客户policyholder 保单持有者policy-holder 保险客户pool 共保组合、合保pool 联营pool administrator 共保组合管理人portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐possible maximum loss(PML)可能最大损失post-financing 后融资post-funding 后融资pre-financing 先融资pre-funding 先融资premium 保险费premium rate 保险费率premium rebate 保险费回扣previous losses 既往损失primary insurance company 原保公司、主保险商principal 业主principle of compensation 补偿原则priority 分保自留额、自付责任priority (deductible) 优先(免赔额)proceeds 收益professional 专业险profit margin 利润边际property 财产险property covered 受保财产property insurance 财产保险proportional cover 比例分保proportional reinsurance 比例再保险proximate cause 近因punitive damage 惩罚性损害pure endowments 定期生存保险pure risk 纯粹危险保险英语词汇Rrain insurance 雨水保险rainstorm 雨暴rate 费率rating 费率recovery 追偿金reinstate 复效reinstated 继单reinstatement 恢复保额reinstatement value insurance 重置价值保险reinsurance 分保、再保险、转保reinsured 分出公司reinsurer 分保人(分保公司)、再保险人rejection risk 拒收险renew coverage 续保renewal 续保;延期renewal premium 续保费renewing coverage 续保reserve 准备金retention 自留、自留额return period 重现期revoke license 吊销营业执照riot insurance 骚乱保险risk 险别、风险、保险,保险额risk carrier 风险承担人risk covered 承保险项risk insured 承保险项risk management 危险管理risk premium 风险保费\风险贴水、风险溢价risk unit 危险单位risks covered 保险范围保险英语词汇Ssalvage charge 救助费用salvage value 残值,获救货物或船舶的价值second event cover 第二事件承保set-off 抵销settlement of claim 理赔sickness insurance 疾病保险social insurance 社会保险solvency 偿付能力solvency margin 赔偿能力spread loss 分散风险standing charges 维持费用stop loss 赔付率超赔sub-contractor 分承包商subject insured 风险标的subrogation center 代位求偿权sue and labor expenses 施救费用suicide clauses 自杀条款sum insured 保险金额、保额surplus insurance 盈余保险survey at jetty risk 码头检验险survey in customs risk 海关检验险保险英语词汇Ttariff 费率表tariff zone 险区term insurance 定期保险TG 拐点周期the insured 被保险人,受保人time policy 定期保险单topographic map 地形图total loss 全部损失total sum insured 总保额treaties business 合同分保treaty reinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇Uunder insurance 低额保险underwriters 保险商(指专保水险的保险商)、保险承运人、保险公司underwriting 承保underwriting policy 承保政策unvalued insurance 不定值保险unvalued policy 不定值保单utmost good faith 最大诚信保险英语词汇V-ZVvalued insurance 定值保险voluntary insurance 自动保险Wwaiver and estoppels 弃权与禁止反言windstorm 风暴working cost 营业费用working expenses 营业费用writing 承保written premiums 承保保费。

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。

保险业常用词汇中英文对照

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)。

保险常用术语

保险常用术语

保险常用术语保险用语abandonment clause 委付条款act of god 不可抗力actuary 保险精算师all-risks policy一切险保单assignment clause 转让条款average adjuster 海损理算人average clause 共同海损分担条款average 海损、海损分摊branch of insurance 保险类别cargo damage survey 货损检验cargo insurance 货物保险certificate of insurance 保险证明书claim 索赔claim assessor 索赔人claim 索赔compulsory insurance 强制保险coverage 保险总额damage certificate 损坏证明书damage claim 损坏索赔damage 损坏赔偿金deposit premium 预付保险费endorsement 签注endowment policy 人寿定期保险单expiration of policy 保险单满期faa ( free of all average) 全损赔偿fire insurance 火险fpa ( free of particular average) 单独海损不赔free of average 全损赔偿general average 共同海损general policy condition 保险单一般规定indemnity 赔款indemnity 损害赔偿in-full premium 全部保险费initial premium 初期保险费insurance broker 保险经纪人insurance company 保险公司insurance policy 保险单insurance premium 保险费insured, assured 被保险人insurer, underwriter 保险人;保险商jettison 投弃knock-for-knock agreement 互撞免赔协议liability insurance 责任保险life assured 人寿保险投保人life fund 人寿保险基金life insurance 人寿保险loading 人寿保险附加费loss adjuster 损失理算人loss ratio 赔付率marine insurance 海损保险maritime transportation insurance 海洋运输保险mortality tables 死亡率表(用于计算保险风险)motor insurance 汽车保险mutual insurance company 互助保险公司natural calamities 自然灾害natural losses 自然损耗no-claims bonus 无索偿奖金notice of loss 损害通知书null and void 宣告无效obligation of compensation for loss 赔偿的义务particular average 单独海损policy-holder 保险客户reinsurance 再保险;转保renewal premium 续保费renewal 续保;延期salvage value 残值;获救货物或船舶的价值sum insured 保险金额survey 查勘termination of risk 保险责任终止third party insurance 第三方保险time hull insurance 船舶定期保险time limit for filing claims 索赔时限time policy 定期保险单to renew 续保u/w (underwriter) 承保人unvalued policy 不定值保单。

保险英语常用词汇

保险英语常用词汇

保险英语常用词汇insure保险;投保;保证insurance保险;保险费;保险金额underwriters保险商(指专保水险的保险商)保险承运人insurancecompany保险公司insurer保险人insurancebroker保险经纪人insuranceunderwriter保险承保人insuranceapplicant投保人insurant,theinsured被保险人,受保人tocover(effect,arrange,takeout)insurance投保insurancecoverage;riskscovered保险范围insuranceslip投保单insuredamount保险金额insuranceagainstrisk保险insuranceclause保险条款insuranceinstruction投保通知insurancebusiness保险企业insuranceconditions保险条件PICC(People’sInsuranceCompanyofChina)中国人民保险公司riskinsured,riskcovered承保险项risk险别toprovidetheinsurance为...提供保险leaflet说明书fineprint细则insuranceexpense保险费premiumrate保险费率premium保险费insurancerate保险费率表insuranceproceeds保险金(保险收入)insurancefreeof(from)particularaverage(FPA).平安险(单独海损不赔)insurancewithparticularaverage(WPA),basicrisks.insuranceagainstallrisks.综合险,应保一切险riskofbreakage破碎险riskofclashing碰损险riskofrust生锈险riskofhookdamage钩损险riskofcontamination(tainting)污染险insuranceagainsttotallossonly(TLO)全损险riskofdeterioration变质险riskofpackingbreakage包装破裂险riskofinherentvice内在缺陷险riskofnormalloss(naturalloss)?途耗或自然损耗险riskofspontaneouscombustion自然险riskofcontingentimportduty进口关税险insuranceagainstwarrisk战争险AirTransportationCargoWarRisk航空运输战争险overlandTransportationInsuranceWarRisk陆上运输战争险insuranceagainststrike,riotandcivilcommotion(SRCC)罢工,暴动,民变险insuranceagainstextraneousrisks,insuranceagainstadditionalrisks附加险riskoftheft,pilferageandnondelivery(TRND)盗窃提货不着险riskoffreshand/ofrainwaterdamage(wetting)淡水雨淋险riskofleakage渗漏险riskofshortageinweight/quantity短量险riskofsweatingand/orheating受潮受热险riskofbadodour(changeofflavour)恶味险,变味险riskofmould发霉险ondeckrisk舱面险oceanmarinecargoinsuranceclauses海洋运输货物保险条款transportationinsurance运输保险overlandtransportationinsurance,landtransitinsurance陆上运输保险insuranceagainstairrisk,airtransportationinsurance航空运输保险parcelpostinsurance邮包运输保险oceanmarinecargoinsurance,marineinsurance水险(海运货物保险)AllRisks一切险average海损ParticularAverage(P.A)单独海损GeneralAverage(G.A)共同海损MarineLosses海损partialloss部分损失totalloss全部损失healthinsurance疾病保险,健康保险sicknessinsurance疾病保险insuranceformedicalcare医疗保险"majormedical"insurancepolicy巨额医药费保险insuranceduringaperiodofillness疾病保险lifeinsurance人寿保险endowmentinsurance养老保险insuranceonlastsurvivor长寿保险topurchasehealthinsurance购买健康保险tohaveahealthinsurancepolicy购买健康保险AdditionalWordsandPhrasespolicy-holder保险客户extrapremium额外保险费additionalpremium附加保险费保险英语词汇Aabandonment 委付abandonmentclause 委付条款accident 意外事故accountingperiod 结算期actofgod 不可抗力actualtotalloss 实际全损actuarialmethod 精算法actuary 保险精算师additionalpremium 附加保险费additionalrisk 附加险advanceprofit 预期利润aggregatelimit 累积限额aggregatedloss 累积损失all-riskspolicy 一切险保单antiselection 逆选择applicant 投保人application 投保单approved 承保assignmentclause 转让条款average 海损、海损分摊averageadjuster 海损理算人averageclause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单bindingslip 暂保单breakageofpacking 包装破碎险broker 经纪人保险英语词汇Ccapacity 承保能力captive 自保公司captivepools 自保组合cargodamageadjustment 货损理算cargodamageinspection 货损检验cargodamageprevention 货损预防cargodamagereport 货损报告cargodamagesurvey 货损检查,货物损坏检验cargoinsurancepremium 货物保险费cargoinsurancerate 货物保险费率cargoinsurer 货物承保人cargopolicy 货物保单,货物保险单cargopremium 货运保险费,货物保险费cargounderwriter 货物保险承保人(商),货险承保人,货物承保人cashloss 现金赔款cashvalue 现金价值catastrophe 巨灾catastrophe excessofloss(CXL)巨灾超赔\巨灾超赔分保categoriesofinsurance 保险类别cedingcompany 分出公司ceding(insurance)company 分保公司ceding,retrocession(forreinsurance) 分保certificateofcargodamage 货损证明certificateofinsurance 保险证明、保险凭证cessionlimit 分保限额ChinaInsuranceClause(CIC) 中国保险条款claim 索赔claimassessor 索赔人claimsettlement 理赔claim-prone 容易出险claimsandarbitration 索赔与仲裁claimsassistance 理赔协助clashandbreakage 碰损,破碎险cleancut 结清方式coinsurance 共保co-insurance 共同保险co-insurancecompany 共同保险公司combinedratio 综合赔付率commencementandtermination 起讫concurrentinsurance 同时保险consequentialloss(CL) 后果损失constructivetotalloss 推定全损contingentliquidity 或有流动性continuedinsurance 继续保险co-relatedrisks 关联风险cover 承保、责任额covernote 保险证明书,承保单,保险证明covernote 暂保单(证明同意承保的临时文件)coverage 受保范围保险英语词汇Ddamage 损坏赔偿金damagecargoclerk 理残员,货损管理员damagecargolist 货损单,残货单damagecertificate 损坏证明书damageclaim 损坏索赔damagedbyothercargo 由其他货物损害damagedcargolist 受损货物单damagedcargoreport 受损货物报告书,货物损害报告deductibles 免赔额depositpremium 预付保费destroyed 毁坏disbursementpolicy (船舶)驶费保险单dividendsystem 红利制度doubleinsurance 双保险dualvaluationclause 双重价值条款保险英语词汇Eemployer 业主Endorsement 批单endorsement: 签注endowmentinsurance 养老保险endowmentpolicy 人寿定期保险单eventlimit 事件限额exgratiapayments 通融赔款excessloss 超额赔款excessoflosscover 超额赔偿excessofloss(XL) 超赔分保exclusion 除外责任EXLprotection 超赔保障exposedareas 风险承受区域exposurerating 风险评估extended-terminsurance 过期保险extracharges 额外费用extrapremium 额外保险费extraneousrisks(additionalrisks) 附加险保险英语词汇Ffacultativebusiness 临分保facultativereinsurance 临时分保faultliability 过失责任financialquotashares 成数分保fineprint 细则finiterisk 有限制的风险finiterisktransfer 有限风险转移floatingpolicy 浮动保险单franchise(deductible) 免赔额;免赔率freeofallaverage(FAA) 全损赔偿freightinsurance 运费保险freightpolicy 运费保险单fullcoverage 全额承保fullinsurance 全额保险fullinsurancevalue 足额保险价值fullliability 全部责任保险英语词汇Ggeneralaverage(GA)共同海损graceperiod 宽限期grossnetpremiumincome(GNPI)总净保费收入groupinsurance 团体保险guaranteeofinsurance 保险担保书保险英语词汇Hhazard 危险因素healthinsurance 疾病保险,健康保险heavydamage 严重破坏holisticrisktransfer 整体风险转移hookdamage 勾(钩)损险hourclause 小时条款保险英语词汇I保险英语词汇J-LJjettison 投弃Llawofinsurance 保险法lawoflargenumbers 大数法则leaflet 说明书lessexposed 损失可能性小letterofguarantee 保函,保证书liability 责任liabilityinsurance 责任保险licensebond 执照保险lifeassured 人寿保险投保人lifeexpectancy 平均余命lifefund 人寿保险基金lifeinsurance 人寿保险lifeinsuranceactuary 人寿保险精算师lifeinsurancereserve 人寿保险责任准备金lifeTable 生命表lightdamage 轻度破坏limits 投保限额lineslips 分保条liquiditysupport 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费lossadjuster 损失理算人lossoccurrence 损失发生lossoccurringbasis 损失发生基础lossofprofit 利损险lossparticipation 分担损失lossratio 损失率lossratio 赔付率losssettlement 损失赔付保险英语词汇Mmailcontractor 承包商mainrisks 主险maintenance 保证期maliciousdamage 恶意损害marineinsurance 海上运输保险,水险marinelosses 海损medicalinsurance 医疗保险mortalitytables 死亡率表(用于计算保险风险)multipleclaim 多次(重复)索赔multipleinsurance 重复保险mutualinsurance 相互保险mutualinsurancecompany 相互保险公司保险英语词汇NNatCatpooling 自然灾害共保naturalcatastrophe(NatCat)自然灾害naturalpremium 自然纯保费netretainedlines 净自留额netretainedlosses 损失净自赔额noprofitcommission 无纯益风险no-claimsbonus 无索偿奖金non-life 非寿险non-proportionalreinsurance 非比例再保险notification 告知保险英语词汇Oobject 标的obligatoryreinsurance 固定分保oceanmarinecargoclauses 海洋运输货物保险条款ondeckrisk 舱面险openpolicy 预约保险单openpolicyinsurance 预约保险originaldeductibles 原始免赔额originalrate 原始费率overinsurance 超额保险overland(transportation)insurance 陆上运输保险保险英语词汇Pparcelpostinsurance 邮包运输保险partialloss 部分损失particularaverage(PA) 单独海损peril 危险、危险事故perilsofthesea 海上风险permitbond 许可证保险placement 安排policy 保单、保险单、保险契约policyholder 保险客户\保险单持有人policypackage 承保多项内容的保险单policyproofofinterest 保险单权益证明policyreserves 保险单责任准备金policy-holder 保险客户policyholder 保单持有者policy-holder 保险客户pool 共保组合、合保pool 联营pooladministrator 共保组合管理人portfolioentry 未满期责任的出帐portfoliooutgo 未满期责任的入帐possiblemaximumloss(PML)可能最大损失post-financing 后融资post-funding 后融资pre-financing 先融资pre-funding 先融资premium 保险费premiumrate 保险费率premiumrebate 保险费回扣previouslosses 既往损失primaryinsurancecompany 原保公司、主保险商principal 业主principleofcompensation 补偿原则priority 分保自留额、自付责任priority(deductible) 优先(免赔额)proceeds 收益professional 专业险profitmargin 利润边际property 财产险propertycovered 受保财产propertyinsurance 财产保险proportionalcover 比例分保proportionalreinsurance 比例再保险proximatecause 近因punitivedamage 惩罚性损害pureendowments 定期生存保险purerisk 纯粹危险保险英语词汇Rraininsurance 雨水保险rainstorm 雨暴rate 费率rating 费率recovery 追偿金reinstate 复效reinstated 继单reinstatement 恢复保额reinstatementvalueinsurance 重置价值保险reinsurance 分保、再保险、转保reinsured 分出公司reinsurer 分保人(分保公司)、再保险人rejectionrisk 拒收险renewcoverage 续保renewal 续保;延期renewalpremium 续保费renewingcoverage 续保reserve 准备金retention 自留、自留额returnperiod 重现期revokelicense 吊销营业执照riotinsurance 骚乱保险risk 险别、风险、保险,保险额riskcarrier 风险承担人riskcovered 承保险项riskinsured 承保险项riskmanagement 危险管理riskpremium 风险保费\风险贴水、风险溢价riskunit 危险单位riskscovered 保险范围保险英语词汇Ssalvagecharge 救助费用salvagevalue 残值,获救货物或船舶的价值secondeventcover 第二事件承保set-off 抵销settlementofclaim 理赔sicknessinsurance 疾病保险socialinsurance 社会保险solvency 偿付能力solvencymargin 赔偿能力spreadloss 分散风险standingcharges 维持费用stoploss 赔付率超赔sub-contractor 分承包商subjectinsured 风险标的subrogationcenter 代位求偿权sueandlaborexpenses 施救费用suicideclauses 自杀条款suminsured 保险金额、保额surplusinsurance 盈余保险surveyatjettyrisk 码头检验险surveyincustomsrisk 海关检验险保险英语词汇Ttariff 费率表tariffzone 险区terminsurance 定期保险TG 拐点周期theinsured 被保险人,受保人timepolicy 定期保险单topographicmap 地形图totalloss 全部损失totalsuminsured 总保额treatiesbusiness 合同分保treatyreinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇Uunderinsurance 低额保险underwriters 保险商(指专保水险的保险商)、保险承运人、保险公司underwriting 承保underwritingpolicy 承保政策unvaluedinsurance 不定值保险unvaluedpolicy 不定值保单utmostgoodfaith 最大诚信保险英语词汇V-ZVvaluedinsurance 定值保险voluntaryinsurance 自动保险Wwaiverandestoppels弃权与禁止反言windstorm 风暴workingcost 营业费用workingexpenses 营业费用writing 承保writtenpremiums 承保保费。

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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)。

由于个人意外保险已有一个预先协议的赔偿额,所以不属于损害赔偿合约。

间接损失(consequential loss)因财物损毁而引致的额外金钱损失。

分摊(contribution)避免投保人因购买多于一份财物或财务保险,而从该项损失中获益。

当投保人购买多份保单,而出现下列的情况,便会采用分摊原则:(一) 在同类受保危险的同一损失或破坏;(二) 同一事故;(三) 同一投保人的相同利益。

互有疏忽(contributory negligence)根据法律原则,受伤人士可能要为自己受伤负上责任。

例如,若您同意乘坐一辆由醉酒者驾驶的车辆,结果引致受伤,您便可能承担互有疏忽的责任。

参与供款计划(contributory plan)(一) 团体成员需为其享有之团体保险保障作出全部或部分保费承担。

(二) 需要雇员供款之退休计划。

可转换定期寿险(convertible term insurance)此乃定期寿险之一种,在指定日期内保单持有人可选择将保单转换成终身寿险。

冷静期(cooling-off period)于「冷静期」内,保单持有人有权取消保单。

此权益可让投保人可重新考虑是否愿意承担寿险产品的长期契约。

保障范围(cover)保单上所载的条款及规定。

承保单(附条文收据)(cover note (conditional receipt))一份临时交件,以证明投保人的投保已获接纳。

客户保障声明书(customer protection declaration form)客人在申请保单时如欲打算在保单被核准后取消现有保单,需填备客户保障声明书,表示对因保单转换而引致之损失及后果充份明白,或已清楚了解保单转换没有引致任何损失之原因。

递减定期寿险(decreasing term insurance)此乃定期寿险之一种,其身故保障在受保期间会逐渐递减。

自付额/免赔额(deductible)俗称「垫底费」,有时称为「超额」。

只在每宗赔偿个案中,保单毋须负责投保人的首部分损失。

在某些风险下,自负额是由承保人加于投保人身上的;在有些清况下,投保人是自愿的,藉此降低保费。

界定福利计划(defined benefit plan)计划参与者在退休时获得的利益已被界定。

参与者定期投入供款的计划重复补偿(double indemnity)人寿保单或个人意外保单的一种条款,说明若因某一特定原因而获得赔偿时,赔偿金额便会增加一倍。

批单(endorsements)除一般条文外,保单上任何附加的文字。

储蓄保险(endowment insurance)人寿保险之一种,订有保险期限,在期限内如受保人不幸死亡或在期限届满时,受保人仍然生存,保险公司都需给付保险金额。

不受保项目(exceptions)有时解释为「除外责任」,用以限制承保人的风险,可见于保单的附属细则内。

较显著的不受保例子如战争风险、核能破坏,及已在其它保险保障的财物等。

自付额(excess)在保单赔偿前您须要自付的赔偿额。

见「自付额/免赔额」一词。

不受保项目(exclusion)见exclusions起赔额(率)(franchise)若保单列明起赔额,协议的赔偿额将获全数支付。

有时也可能会使用时间起赔额,特别是在承保机械故障时。

不可争议条款(incontestability provision)人寿及健康保险保单上常见之条款,说明在指定时间后(一年或二年),保险公司不得以受保人违反至高诚信原则等原因为理由废除合约或拒绝赔款。

可保权益(insurable interest)在保单追偿的时候,投保人必须与保单内之有关事故中的人士或对象有认可的关系,例如投保人从妥善保管财物而得到利益,或会因为财物损失导致利益受损。

在财物或财务的保险中,投保人会从选择保险或因义务要购买保险而获得可保利益。

中间人(intermediary)为客户安排购买保险的人,包括保险代理、保险经纪或顾问。

儿童保险单(juvenile insurance policy)由成年人(通常为父母)持有及支付保费而受保人为儿童之人寿保险保单。

定额定期寿险(level term insurance)为受保人在有效期内提供定额身故保障的人寿保险计划。

雇员征费(levy)除保费外,雇员赔偿及汽车保险投保人所需额外支付的款项。

有限责任(limits of liability)责任保险一般列明承保人对某一项目的最高赔偿额,即「有限责任」。

这限度通常应用于单一项目的总赔偿额上。

有些保单会为每段保险期设定不同的责任限度。

理赔师(loss adjuster)以专业身份受聘,专责处理议付及理赔的事宜。

恶意破坏(malicious damage)可在火灾保险内选择性投保的附加危险保障,与暴动及罢工造成的破坏一并承保。

恶意破坏的承保可保障您受「怀有恶意的人士」所造成的破坏,唯这类破坏并不包括恶意盗窃(由窃盗/偷窃保险承保);而纵火则由标准火险承保,纵火者为投保人则除外。

重大转变(material changes)影响风险的情况转变。

重要事实(material fact)投保人必须公开他/她知道或应当知道有关风险的重要事实。

换言之,投保人不应隐瞒事实。

困难之处是投保人可能不知道哪些事实是承保人认为「重要」的,因此最佳的做法是:「有疑问,尽管说」。

如果您不清楚某些资料有否关连,尽管跟承保人说。

期满(maturity)储蓄人寿保单的有效期届满。

期满日(maturity date)(一) 储蓄保险期满日时,如受保人仍然生存,保险公司需给付保险金额。

(二) 年金计划里面保险公司开始支付年金的日期。

指定风险保险(named peril policy)列明承保哪些危险的保险,而全险保单则自动包括全部没有说明不保项目的危险。

疏忽(negligence)这是在普通法(亦称侵权法)下最常见,而关乎第三者的失职行为,即指某人没有做出理性的人在相同情况下会做出的行为,或做出理性的人不会做的行为。

最普遍的例子是,驾驶者驾车时,对其他道路使用者是有安危责任,如果因为他们的疏忽,导致其它道路使用者人命伤亡或财物损失,就可能会被追究法律责任。

责任保险可保障上述的法律责任。

缴清保单(paid-up policy)需支付保费而保障维持有效之保单。

在火灾或后果损失保险内包括的附加危险承保,乃保障投保人因爆炸、暴动和罢工、恶意破坏、飞机、汽车、碰损水管爆裂或「天然灾害」,如风灾、水灾及地震所造成的破坏。

终身寿险(permanent life insurance)一种提供终身保障及有储蓄成份之人寿保险。

个人责任(personal liability)希望这不会发生在大部份投保人身上,但在日常生活中,即使我们会因为一些并非蓄意的行为,而需要负担法律上的责任。

举例来说,我们可能因一时不慎,用伞戳瞎了别人的眼睛,这项行为当然会导致法律责任。

个人责任的承保范围可保障您在发生这类意外后法律上裁决而作出赔偿。

大部分优质的个人组合保险也包括这项事项。

保单(policy)列出保险合约条文的文件。

保单附加条款(policy rider)附加在基本保单上之特别条款,通常为增加保障范围。

保单现金提取条款(policy withdrawal provision)条款容许保单持有人随时提取保单内之现金价值,常见在万用保单及年金储蓄计划里面。

保费(premium)为得到特定保障而需要向保险公司缴交之费用。

第一受益人(primary beneficiary)在受保人身故后优先承受保险赔偿金的人或个体。

公众责任(public liability)您可利用这类保险,保障您或您从事的商业活动导致第三者的人身受伤,或财物损失或破坏而要负上的法律责任。

附加保障(rider)附加于保险合约的修订,会增加或减少保障额,是保险合约的一部分。

标准风险(standard risks)被保事项发生率不比平均数字为高的风险厘定。

次标准风险(substandard risks)被保事项发生率比平均数字为高的风险厘定。

自杀不保条款(suicide exclusion provision)人寿保险单上订明受保人因自杀而身故的赔偿条款。

投保额(sum insured)在损害赔偿保单内列明承保人在有关保险的最高赔偿款额,或在其它保险如人寿保险,向受益人支付的款额。

退保手续费(surrender charge)保单持有人在其万用人寿保单有效期内取消保单,或在指定日期内取消年金时所需要缴付之费用。

定期寿险(term life insurance)一种只在特定期间内提供死亡保障的人寿保险形式。

第三者(third party)投保人及保险公司以外人士。

第三者责任(third party liability / public liability)与公众责任保险尽同,涉及三方:投保人为第一方;承保人是第二方;其它牵涉人士则为第三方。

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