人身保险中英对照
保险术语中英文对照
保险术语保险（Insurance）从法律角度来看，保险是保险人和投保人双方的合同安排，保险人同意赔偿损失或给付保险金给被保险人或收益人，投保人通过购买保险单位把风险转移给保险人。
保险法（Law of Insurance）调整保险活动中保险人与投保人、被保险人以及收益人之间的法律关系的重要民商事法律，是国家对保险企业、保险市场实施监督管理的法律。
保险法具体可分为以下四种：（1）保险契约法，也叫保险合同法，是构成保险法的核心内容；（2）保险业法，又叫保险业监督法，是国家对保险业管理、监督的法律规范；（3）保险特别法，是相对于保险合同法而言的，具体是指保险合同法以外，规范于民商法中特殊保险关系的法律和规范，如海商法中的海上保险法；（4）社会保险法，是国家就社会保障所颁发的法令总称。
我国1995年6约30日通过的《保险法》，是建国以来的第一部保险基本法，采用了国际上一些国家和地区集保险业法、保险合同法为一体的立法体系，形成了一部较为完整、系统的保险法律。
我国《保险法》共8章，分别为总则、保险合同、保险公司、保险经营规则、保险业的监督管理、保险代理人和保险经济人、法律责任和附则，共计152条。
保险公司（Insurance Company）指经政府有关当局批准，依照法律要求设立的从事经营商业保险业务的法人。
通常意义上来讲，保险公司就是保险人或承保人。
保险公司经营保险业务，与投保人订立保险合同，收取保险费，组织保险基金，并在保险事故发生或保险期限届满后，对被保险人赔偿损失或给付保险金。
保险合同（Insurance Contract）指投保人支付规定的保险费，保险人对承保标的因保险事故所造成的损失，在保险金额范围内承担赔偿责任，或者在合同约定期限届满时，承担给付保险金义务的协议。
保险单（Policy）保险人与被保险人顶立保险合同的正式书面证明。
保险单上规定的有关保险人与被保险人的权利、义务及其他保险事项的条文。
贯日翻译提供“保险翻译”过程中常用的术语
保险翻译过程中常用的术语保险公司- insurance corporation; insurer; insurance company 保险类别-categories of insurance个人财产保险-personal belongings insurance财产毁损责任保险-property damage liability insurance保证保险- bond insurance农作物保险- crop insurance爆炸保险- explosion insurance盈余保险-surplus insurance合约再保险- treaty reinsurance儿童集体保险- children group insurance学生集体保险-students group insurance学费保险-tuition fees insurance忠诚保证保险- fidelity bond受托人保证保险- fiduciary bond批发保险-wholesale insurance单方利益保险- single interest insurance相互保险-mutual insurance同时保险-concurrent insurance商业总括保证保险- commercial blanket bond insurance总括保证保险-blanket bond执照保险- licence bond许可证保险-permit b汽车保险-automobile insurance汽车综合保险- combination automobile insurance车体保险-car damage insurance第三者受伤责任保险- third person injured liability insurance 法庭保证保险-court bonds insurance关税保证保险- customhouse bonds insurance人身保险-life insurance行李保险-baggage insurance电梯责任保险- elevator liability insurance意外事故保险- accident insurance伤亡事故保险- casualty insurance简易人身保险- simple life insurance终身人寿保险-whole life insurance退休所得保险- retirement income insurance疾病保险-sickness insurance残疾保险- disability insurance养老保险-endowment insurance健康保险-health insurance年金保险annuity分期付款保险instalment insurance联合养老保险tontine insurance存款保险deposit insurance共保co-insurance继续保险continued insurance投标保证保险bid bond insurance综合保险comprehensive insurance住宅保险residence insurance租借权益保险leasehold interest insurance盗窃保险burglary insurance旅行平安保险travel accident insurance全保险all risk insurance团体保险group insurance团体人寿险group life insurance责任保险liability insurance雇主责任保险employer's liability insurance自动保险voluntary insurance产业保险industrial insurance抵押保险hypothecation insurance第三者意外责任保险third party liability insurance 火灾保险fire insurance森林火灾保险forest fire insurance地震保险earthquake insurance雨水保险rain insurance碰撞保险collision insurance船体保险hull insurance全额保险full insurance低额保险under insurance超额保险over insurance洪水保险flood insurance冰雹保险hail insurance风灾保险wind-storm insurance货物保险cargo insurance罢工保险strike insurance骚乱保险riot insurance战争保险war insurance公务员保险civil servant insurance; government employee insurance 公务员家属保险dependents of government employee insurance运输保险transportation insurance内陆运送保险inland marine insurance家畜保险livestock insurance劳工保险labour insurance失业保险unemployment insurance定期保险term insurance过期保险extended-term insurance。
保险基术语中英对照
保险基术语中英对照【A 】Abandonment 见"委付" / Actual Total Loss 见"实际全损" / All Risks 见"一切险"Annuities Insurance 见"年金保险" / Applicant 见"投保人" / Application 见"投保单" Automatic Premium Loan 见"自动垫交保险费贷款" / Approved 见"承保"安装工程一切险（Erection All Risks Insurance）【B 】Beneficiary 见"受益人" / Binder, Binding Slip 见"暂保单" / 保险（Insurance）保险法（Law of Insurance）/ 保险基金(Insurance Fond）/ 保险公司（Insurance Company）保险保障基金(Insurance Protection Fond）/ 保险合同（Insurance Contract）/ 保险单（Policy）保险凭证（Insurance Certificate）/ 保险条款（Insurance Clauses）/ 保险标的（Insurance Subject）保险金额（Insured Amount）/ 保险价值（Insured Value）/ 保险期限（Insurance Period）保险费（Insurance Premium）/ 保险费率（Premium Rate）/ 保险人（Insurer）保险代理人（Insurance Agent）/ 保险经纪人（Insurance Broker）/ 被保险人（（Insured）保险公估人（Insurance Assessor）/ 补偿原则（Principle of Compensation）不定值保险（Unvalued Insurance）【C 】Cash Loss 见"现金赔款" / Cash Value 见"现金价值" / Co-insurance 见"共同保险" Constructive Total Loss 见"推定全损" / 纯粹危险（Pure Risk）/ 偿付能力（Solvency）重复保险（Multiple Insurance）/ 重置价值保险（Reinstatement Value Insurance））承保（Approved，To Cover）/ 财产保险（Property Insurance）产品质量保证保险（Product Quality Bond Insurance）产品责任保险（Product Liability Insurance）【D 】Dividend System 见"红利制度" / Dual Valuation Clause 见"双重价值条款"大数法则（Law of Large Numbers）/ 代位求偿权（Subrogation Right）定值保险（Valued Insurance）/ 第一损失保险（First Loss Insurance）盗窃保险（theft insurance）/ 定期寿险（Term Insurance）定期生存保险（Pure Endowments）【E 】Endowment Assurance 见"生死两全保险" / Endorsement 见"批单"Extraneous Risks 见"附加险" / Erection All Risks Insurance 见"安装工程一切险"Excess of Loss Ratio Reinsurance 见"超率赔款再保险" / Extra Charges 见"额外费用"Excess of Loss Reinsurance 见"超额赔款再保险"【F 】Facultative Reinsurance 见"临时再保险" / Fidelity Bond 见"忠诚保证保险"Fire Insurance 见"火灾保险" / First Loss Insurance 见"第一损失保险"Free from Particular Average 见"平安险" / Freight Insurance 见"运费保险"飞机保险（Aircraft insurance）/ 复效（Reinstate）【G 】Grace Period 见"宽限期" / Group Life Accident Insurance 见"团体人身意外伤害保险"Group Life Insurance 见"团体人身保险" / 过失责任（fault liability）公众责任保险（Public Liability Insurance）【H 】Hazard 见"危险因素" / Health Insurance 见"疾病保险" / Hull Insurance 见"船舶保险"）【I 】Increased Value Clause见“增值条款” / Increased Value Insurance见“增值保险”Inherent Vice见“内在缺陷” / Insurance Amount见“保险金额” / Insured见“被保险人”Insurance Certificate见“保险凭证” / Insurance Clauses见“保险条款”Insurance Fund见“保险基金” / Insurance Period见“保险期限”【J 】Joint Life Insurance见“联合人寿保险” / 近因（Proximate Cause）/ 救助费用（Salvage Charge）家庭财产保险（Property Insurance for Home）【L 】利润损失险（Profit Loss Insurance）/劳工保险和雇主责任保险（Workers Compensation and Employer Liability Insurance）【M 】Marine Insurance见“海上保险” / Multiple Insurance见“重复保险”【N 】Natural Premium见“自然纯保费”【O 】Outstanding Loss Reserve见“未决赔款准备金”【P 】Peril见“危险事故” / Personal Pension Annuities见“退休年金保险” / Pure Risk见“纯粹危险”Personal Insurance见“人身保险” / 平均余命（Life Expectancy）Property Insurance for Enterprise见“企业财产保险”Property Insurance for Home见“家庭财产保险”Protection and Indemnity Insurance见“保障与赔偿责任保险”Pure Endowments见“定期生存保险” / 平安险（Free from Particular Average）【R 】Reinstatement Value Insurance见“重置价值保险” / Reinsurance见“再保险”Risk Management见“危险管理” / Risk Unit见“危险单位” / 人寿保险（Life Insurance）人身意外伤害保险（Life Accident Insurance）/ 人寿保险精算师（Life Insurance Actuary）人寿保险责任准备金（Life Insurance Reserve）【S 】双重价值条款(Dual Valuation Clause) / 损失率（Loss Ratio）/ 索赔（Claim）施救费用（Sue and Labor Expenses）/ 生死两全保险（Endowment Assurance）生命表（Life Table）【T 】Term Insurance见“定期寿险” /退保（To Cancel）/ 投保单（Application）投保人（Applicant）/ 退休年金保险（Personal Pension Annuities）团体人身保险（Group Life Insurance）/团体人身意外伤害保险（Group Life Accident Insurance）【U 】Unearned Premium Reserve见“未到期责任准备金” / Unvalued Insurance见“不定值保险”Utmost Good Faith见“最大诚信”【V 】Valued Insurance见“定值保险”【W 】Waiver and Estelle见“弃权与禁止反言” / Whole Life Insurance见“终身寿险”【X 】信用保险(Credit Insurance) / 现金价值（Cash Value）/ 现金赔款（Cash Loss）【Y 】一切险（all risks)【Z 】增值条款(increased value clause) / 增值保险(Increased Value Insurance) / 主险(main risks)自然纯保费（Natural Premium）/ 自动垫交保险费贷款（Automatic Premium Loan）自杀条款（Suicide Clauses）保险专业词汇insure保险；投保；保证；/ insurance保险；保险费；保险金额；insurance company 保险公司；/ underwriters 保险商（指专保水险的保险商）保险承运人；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 business 保险企业；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 conditions 保险条件 / risk 险别；PICC (People’s Insurance Company of China) 中国人民保险公司；risk insured, risk covered 承保险项；/ 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；/ insurance against war risk战争险；risk of spontaneous combustion自然险；/ risk of contingent import duty 进口关税险；Air Transportation Cargo War Risk航空运输战争险；/ All Risks 一切险；Overland Transportation Insurance War Risk 陆上运输战争险；/ average 海损；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 non-delivery (TRND) 盗窃提货不着险；/ Marine Losses 海损；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；/ parcel post insurance 邮包运输保险；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；ocean marine cargo insurance, marine insurance 水险（海运货物保险）；Particular Average (P.A) 单独海损；/ General Average (G.A) 共同海损；；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；/ life insurance人寿保险；insurance during a period of illness 疾病保险；/ 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；/ policy-holder保险客户；extra premium额外保险费；/ additional premium 附加保险费；/insurance law 保险法；insurance act 保险条例；/ insurance industry保险业；/ insurance division 保险部；insurance treaty 保险合同；/ cover note保险证明书；/ guarantee of insurance 保险担保书；premium rebate 保险费回扣；/ insurance claim保险索赔；/ reinsurance 分保（再保险）；ceding, retrocession (for reinsurance) 分保；/ ceding (insurance) company 分保公司co-insurance company 共同保险公司；/ insurance document 保险单据；certificate of insurance 保险凭证；/ increasing coverage, extending coverage 加保；renewing coverage 续保；/ insurance commission保险佣金；/ social insurance社会保险；personal property insurance个人财产保险；/ insurance of contents家庭财产保险；保险基本概念词典保证保险:保证保险是在被保证人的作为或不作为致使被保险人（权利人）遭受经济损失时，由保险人来承担经济赔偿责任的保险。
保险词汇中英对照
保險詞彙英中對照表Abandonment 委付Above Normal Loss 異常損失Absolute Assignment 自由讓與Absolute Liability 絕對責任Absolute Ownership 絕對所有權Abstract 摘要卡Accelerative Endowment 提前滿期Accelerated Option 提前滿期選擇權Accelerated Paid-up or Endowment 縮短繳費期間或提前滿期Acceptance 承諾Accepted Value 承諾價額Accepting Office 分進公司Accident 意外事故Accident Control or Prevention 意外事故控制或預防Accidental Death And Dismemberment Benefit 意外死亡及四肢缺失、視力喪失給付Accidental Death Benefit 意外死亡給付Accidental Death Insurance 意外傷害死亡保險Accident Frequency 意外事故發生頻率Accident Insurance 意外保險Accident Rate 事故率Accident Severity 意外事故損失幅度Accident Year Experience 事故年經驗Accommodation Business 融通業務Accommodation Risk 融通危險Account Premium Modification Plan 保險費調整計劃Accounts Receivable Insurance 應收帳款保險Act Insurance 政策性保險Accumulation System 定額保險費Actual Cash Policy 實際現金價值保險單Actual Cash Value 實際現金價值Actual Loss Ratio 實際損失率Actual Present Value 實際現值Actual Total Loss 實際全損Actuary 精算師Affirmative Warranty 認定保證Agency Department 展業部Agency Plant 代理系統Agent 代理人Agent Captive 專屬代理人Agent Expense 代理費用Agent General 總代理人Agent Independent 獨立代理人Agent Local 當地代理人Agent Policy-Writing 簽單代理人Agent Special 特約代理人Agent State 州代理人Agent's Authority 代理人權限Agent's Balance 代理人佣金Aggregate Annual Deductible 累積年自負額Aggregate Excess Of Loss Cover 累積超額賠款再保險Aggregate Limit 累積限額Agreed Value 約定價值Agricultural Insurance 農業保險Aleatory Contract 射倖契約Amount of Loss, Claim 保險金Assessment Method 不定額保險費Assignment Of Policy Clause 保險單轉讓條款Automatic Reinstatement Clause 保險金額自動恢復條款Automatic Sprinkler Leakage 自動消防裝置滲漏BBinder, Binding Slip 暫保單Blanket Policy 總拓保險契約Balance 餘額Balanced Security 平衡的安全Balance Sheet 資產負債表，平衡表Balance Sheet Reserve 退休金－平衡表準備金Balance Sheet Reserve Plan 退休金－平衡表準備金方式Bank Check Plan 鋃行帳戶轉帳繳納保費制度Bank Loan Insurance 銀行貸款保險Bankrupt 破產Bankruptcy 宣告破產Bank Trusteed Retirement Plan 銀行信託型退休計劃Base Pay 基本薪資Basic Hospitalization 基本住院給付保險Basic Premium 基本保費Basic Rate 基本費率Basic Split-dollar Plan 基本保費分擔計劃Before-tax Earnings 稅前所得Beneficial Interest 保險契約權益Beneficiary 保險受益人Breach Of Contract 違反契約條款Broker 保險經紀人Brokerage Agency 經紀人公司Brokerage Business 經紀人招攬契約Brokerage Department 經紀人部門Broker-Agent 經紀人代理店Burglary And Robbery Insurance 竊盜保險Burial Insurance 喪葬保險Business 保險契約Business Interruption Insurance 營業中斷保險Business Continuation Insurance 專業繼續保險Business Continuation Plan 事業繼續保險計劃Business Health Insurance 企業健康保險Business In Force 有效契約Business Liability Insurance 事業責任險Business Insurance 企業保險Business Life Insurance Trust 企業壽險信託Business Overhead Expense Insurance 事業經費保險Business Under Common Control 共管企業Buy Term And Invest The Difference Buy-Sell Agreement 經營權買賣協議Bilateral Contract 購買定期險與投資差額保費CCancelable 可終止保險單Cancellation 終止Capital Sum 最高給付金額Captive Insurance 專屬保險Cargo Insurance 貨物保險Cash Claim 現金賠款Cash Payment 現金給付Cash Value 現金價值Calendar Year Experience 曆年度經驗Calendar Year Major Medical Plan 曆年式高額醫療費用保險Call 招攬拜訪Canada Pension Plan 加拿大退休金計劃Cancelable Contract 可解除契約Cancellation 解約Canvassing Account 新契約保費帳戶Capacity 承保能力、最高承保限額Capital 資本Capital Assets 資本性資產Capital Budget 資本預算表Capital Charges 資金費用Capital Conservation Method 資金不動用方法Capital Expenditures 資本支出Capital Gain 資本利得稅Capital Goods 資本財Capitalization 現值化Capitalization of Interest 利息滾入本金Capitalization Rate 現值化利率Capital Loss 資本損失Capital Market 資金市場Capital Need Analysis 資金需求分析Capital Net Worth 資本淨值Capital Stock 股本Capital Stock Insurance Company 壽險股份有限公司Capital Sum 一次給付金Capital Utilization Method 資金利用法Captive Agent 專業外務員Career Agency 專業代理店Career Agent 專業外務員Career Average 服務期間平均薪津法Career Average Formula 服務期間平均薪津方式Career Path 專業外務員訓練課程Career Presentation 專業介紹Carrier 保險業者Carryback Period For Employer Contributions 僱主醵出金之後轉期間Carryback (Carryforward) Provision 後轉條款、前轉條款Carryover Basis 移轉稅基Cash Account (代理人) 現金帳Cash Assets 現金資產Cash Basis of Accounting 現金制會計Cash Equivalents 相等現金資金Cash Refund Annuity 現金立即償還年金Cash Surrender Value 解約退還金Cash Value 現金價值Cash Value Policy 有解約退還金保險Casualty Actuarial Society 美國災害保險精算學會Casualty Index 災害保險情報引得(索引)Casualty Insurance 災害保險Catastrophe 巨災Catastrophe Hazard 巨災危險Catastrophe Insurance 高額醫療費用保險Catastrophe Reinsurance 巨災再保險、異常災害再保險Ceding Commission 分保佣金Cede 分保Center of Influence 介紹準客戶之協力者Cedent 分保人Cession 分保單位Certificate Insurance 保險證Certificate of Authority 權限證書、營業許可書Certificate of Convenience 臨時執照Certified Employee Benefit Specialist 公認企業員工福利士Cestuique Trust (信託) 受益人Cestuique vie (泛指) 被保險人Change of Beneficiary Provision 變更受益人條款Change of Plan Provision 變更保險計劃條款Charitable Bequest 慈善遺贈Charitable Gift 慈善捐贈Contingency Reserve 危險準備金Charitable Trust 慈善信託Charter 營業狀、營業證書Chartered Financial Analyst 公認財務分析師Chartered Life Underwriter (CLU) 公認壽險師Capitalization Method 準備金提存方式Cheap Takeover 廉價接收Check-o-matic 銀行存款帳戶轉帳繳納保費制度Contract of Indemnity 損害賠償合約Child's Benefit 育兒給付Claim 請求給付保險金賠償Claimant 申請保險給付者Claim Reserve 理賠準備Class 同一危險集團Classification 危險等級集團分類Classified Insurance 缺陷體保險Classified Risk 缺陷體危險Class Rate 級別費率Clause 條款Clean-up Fund 善後清償基金Clearance Fund 善後清償基金Client 當事人、客戶Close 促成簽約Close Corporation 股票未上市公司Close Corporation Insurance 股票未上市公司事業保險Closed Contract of Insurance 不得變更保險契約Close-end Mutual FundClosed-end Investment Company 資本額固定之投資信託公司CLU 公認壽險師Coinsure 共同保險Cold Canvassing 直衝招攬Cold Leads 直衝招攬Collateral Assignment 擔保讓與Collateral Assignment Plan 擔保讓與保險計劃Collateral Bond 擔保債券Collateral Loan 擔保貸款Collection Book 收費帳簿Collection Fee 收費費用College of Insurance 保險大學College Retirement Equities Fund (CREF) 大專退休基金會Collegia (古羅馬) 互助協會Combination Agency 兼售普通壽險和簡易險代理店Combination Company 兼售普壽與簡易險公司Combination Funding Plan 壽險與年金混合契約Combination Plan 混合型退休金制度Combination Policy 組合保險Combined Annuity Mortality Table 綜合年金死亡表Combined Group 聯合企業集團Combined Sigle Limit 單一責任限額Commercial Bank 商業銀行Commercial Health Insurance 商業健康保險Commercial Inspection Report 商業調查報告Commercial Insurance 營利保險、商業健康保險Commercial Policy 商業健康保單Commercial Report 商業調查報告Commission 佣金Commission, Contingent 利益佣金Commissioner 州利益佣金Commissioner 州保險監督官Commissioners Disability Table 標準殘障表Commissioners 1941 Standard Ordinary Table 1941年普通保險監督官標準死亡表Commissioners 1958 Standard Ordinary Table 1958年普通保險監督官標準死亡表Commissioners Standard Industrial Mortality Table 1961 1961年簡易保險監督官標準死亡表Commissioners Values NAIC 有價證券價格Commission of Authority 委任狀Commissions, Graded 等級佣金Contract of Indemnity 損害補償契約Consequential loss Insurance 從屬損失保險Claim Reserve 賠款準備Classified Premium 分類保險費Coinsurance 共保Coinsurer 共保人Coinsurance Clause 共保條款Coinsurance Percentage 共保比例Collective Insurance 集合保險Compulsory Insurance 強制性保險Contract of Utmost Good Faith 誠信契約Contract of Consideration 有償契約Contribution Clause 賠款分擔條款Co-operative Insurance Society 保險合作社Crop Insurance 收穫保險Conditional Contract 附條件契約Contract of Adhesion 附合契約Conditional Contract 繼續契約Collective Insurance Contract 集合保險契約Constant Method 固定法Constraint and Percentage Method 固定與比例混合法Capitalization Method 準備金提存方式Contingency Reserve 危險準備金Ceding Commission 分保佣金DDate Of Expiration 到期日Date Of Grace 寬限到期日Date Of Inception Of The Policy 保險單起保日Date Of Issue 簽單日Date Of Policy 保險單生效日Date Of Subscription The Policy 保險單起迄日Date Of Grace 寬限期間Declaration Policy 陳報保險單Declination 拒保Deductible 自負額Deductible Clause 自負額條款Degree of Risk 危險程度Deposit Premium 預付保險費Double Insurance 複保險Data Interview 面談Date Of Expiration 終止(滿期) 日Date Of Issue 發單日Date Of Last Payment 最近一次保費應付日Date Of Maturity 滿期日Date Of Policy 契約生效日Date Of Grace 寬限到期日Death Benefit 死亡給付Death Benefit For Parents 雙親受領之死亡給付Death Claim 死亡給付請求EEndorsement 批單Earned Income 勤勞所得Earned Premium 經過保費Earnings 勤勞所得Economic Benefit 實質給付Economic Life Value 生命的經濟價值Educational Trust 教育資金信託Education Insurance 教育保險Effective Date 生效日Elective Benefits 選擇給付Elapsed Years 經過年數Elective Indemnities 選擇給付Eligibility Requirement 適格要件Eligible Employees 適格員工Eligible Expense 適格醫療費用Elimination Period 除去期間Emergency Accident Benefit 緊急處理給付Emergency Expense Benefits 緊急經費給付Emergency Fund 鰥緊急準備金Employee 從業員工individual, Owner-employee, Junior Partner, Common-law Employee. Employee Benefit Programs 員工福利給付計劃Employee Contribution 員工醵出金Employee Organization 從業員團體Employee Pension Benefit Plan 員工退休金給付計劃Employee Retirement Income Security Act 受雇人員退休所得保障法Employee Stock Ownership Plan 員工持有公司股退休年金制度Employee Stock Ownership Trust 員工持有公司股票信託Employees' Trust 員工信託Employee Welfare Benefit Plan 員工福利給付計劃Employer's Liability Insurance 僱主責任保險Employment Benefit Plan 雇用給付計劃Endless Chain Prospecting 連鎖式保戶開拓法Endorsement 批註(條款)Endow 滿期Endow At Age 100 百歲滿期Endowment 養老保險Endowment Amount 滿期保額Endowment At Age 65 65 歲滿期Endowment Insurance Policy 養老保險保單Endowment Policy 養老保險保單Enemy Alien 敵對國Enrollment Card 登記卡ENTAIL 限嗣繼承不動產Entire Contract Clause 完全契約條款Entirety, Estate By (夫妻) 聯合財產Entity Plan 共同經營法人保險Entry Age Normal 普通加入年齡Entry Age Normal Method 普通加入年齡式退休金成本計算法Equity 純資產Equity 公平性Equity 衡平法Equity 持分Equity Annuity 變額年金Equity, Estimated Total 估計總淨值Equity Linked 變額Equity Rate 變動費率Equity Value Holding 變額性投資ＥRISA 受雇人員退休所得保障法Estate Planning 遺產設計Estate Protection 財產保全Estate Settlement 遺產分配Estate Shrinkage 遺產滅損Estate Tax 遺產稅Estate Transfer 財產移轉Estimated Premium 臨時保費Estimated Total Equity 估計總淨值Evidence Of Insurability 可保性證明Exact Date Of Exhaust 耗竭日Exact Interest 實計利息Examination 體檢Examination Under Oath 切結給付條款Examined Business 已體檢契約Examiner 體檢醫生Examiner 稽查Expected Period 除外期間Exception Of Proceeds Provision 保險金支付禁止規定Excess Arrears 逾期滯繳Excess Compensation 超額補償Excess Contribution 超額醵出金Excess Cover For Catastrophe 巨災超額賠款再保險Excess Initial Expense 初年度超額費手Excess Insurance 超額保險Excess Interest 超額利息Excess Limit 超過限定額Excess Line Broker 超額保險經紀人Excess Of Loss Reinsurance 超額再保Excess Plan 額外退休計劃Excluded Period 除外期間Exclusion 免責條款Exclusion Allowance 寬減額Exclusion Clause 除外條款Exclusion Ratio 寬減率Exclusive Agency System 專屬代理店制度Exclusive Agent 專任外務員Executed Contract 已履行契約Executed Trust 已設定信託Executor 遺囑執行人Executory Contract 未經履行契約Executory Trust 未設定信託Exemption Of Proceeds Provision 保險金債務豁免條款Exempt Pension Trust 免稅退休金信託Ex Gratia Payment 慰問給付Exhaust Loan 超過解約退還金的貸款Exhibit 明細表Expectancy Policy 平均餘命保險Expectancy Policy 妊娠定期健康保險Expectation Of Life 平均餘命Expected Mortality 預定死亡率Expenditure, Capital 資本支出Expense 營業費用Expense Allowance 費用補助Expense Factor 費用要素Expense Loading 附加保險費Expense Of Management 經營費用Expense Ratio 費用率Expense reimbursement allowance 經費支出補助Expense Reserve 經費準備金Expense Incurred 發生經費Expense Paid 費用支出Experience 經驗Experience And Service Table 從業員在職存經驗表Express Conditions 明示條款External Coinsurance 對外共同保險Excess Coverage 超額賠償責任Extended Cov 火災保險附加險Export Insurance 輸出保險Extra Charges 額外費用Expected Morbidity 預定罹病率Expense Constant 定額附加保費FFull Value Insurance 足額保險Facultative Certificate Of Reinsurance 臨時再保險證明書Facultative Obligatory Treaty 臨時拘束性合約再保險Fallen Building Clause 建築物傾倒條款Falling Aircraft&Vehicle Impact Form 航空器墜落、機動車輛碰撞保險Family Automobile Policy 家用汽車保險單Fidelity Insurance Clause 員工誠實保險條款Fiduciary Bond 受託保證保險Financial Responsibility Law 財務責任法Fine Arts Floaters 藝術品流動保險Fire 火災Fire Friendly 善火Fire Hostile 惡火Fire Insurance 火災保險Fire Wall 防火牆First Loss Insurance 損失優先賠付保險First arty Insurance 第一者保險Flat Rate 毛費率；判斷費率Floaters 流動保險Floating Policy 流動保險單Floating Stock 流動貨物Floor Plan Insurance 墊款銷售保險F.O.B. Plane 飛機上交貨價F.O.B. Train 火車上交貨價F.O.B. Truck 卡車上交貨價Forwarding Charge Clause 轉運費用條款Formal Contract 要式契約Foul Bill Of Lading 不潔提單Franchise Clause 起賠額條款Free Of Claim For Accident Reported 已知事故免責Free Of Particular Average Clauses, F.P.A. Clauses 平安險條款Free On Board, F.O.B. 船上交貨價Freight Abandonment Clauses 不要求運費條款Freight Waiver Clause 放棄運費條款Full Conditions 完全條件Full Reporting Clause 據實申報條款Full Value Insurance 足額保險Funds Held By Ceding Companies 存出再保責任準備Furrier's Customer's Insurance 皮貨商顧客保險Formal Contract 要式契約Fire Damage 火災損害Finish Stock 製程品存貨Fraudulent Misrepresentation 詐欺First Loss Insurance Clause 實損實賠保險條款General Agency 總代理店General Agency System 總代理店制度General Agent 總代理人General Condition 基本條款GAMS 區域總代理人與外勤經理協會General Market 一般市場General Operating Expenses 總營業費用General Partnership 普通合夥General Power Of Appointment 普通指定權Geographical limitations 地區限制Gift 贈與Gift Causa Mortis 死因贈與Gift Inter Vivos 生前贈與Gift Of Future Interest 遠期贈與Gift Tax Credit 贈與稅扣除額Gift Tax Marital Deduction 贈與稅配偶扣除額Gimmicks 花招Give 贈予Goodwill 商譽Government Benefit Plans 政府給付計劃Grace Period 寬限期間Graded Death Benefits 階段式死亡給付、削滅死亡給付Graded Premium Lift Insurance 階段式繳費保險Graded Vesting 賦予等級受領權Grant 讓與Grantee 受讓人Grantor 讓與人Gropsack General Agent 普通流動性業務員Gross cost 總成本Gross Earning 毛收入Gross Estate 總遺產Gross Line 總危險額Gross Net Premium 純總保費Gross Premium Valuation 營業保費評價法Gross Rates 營業保險費費率HHazard 危險Hazard, Moral 道德危險Head Office 總公司Head Of House 扶養人Head Start Fund 提早開始基金Health And Accident Underwriters Conference 健康意外保險人協會Health Certificate 健康聲明書Health Insurance 健康保險Health Insurance Association Of America 美國健康保險協會Health Insurance Benefits 健康保險給付Health Insurance Classifications 健康保險種類Health Insurance, Group 團體健康保險Health Insurance Institute 健康保險研究所Health Insurance Quality Award 健康保險繼續率優良獎Health Maintenance Organization (HMO) 保健組織Health Plans, Corporate 企業健康保險計劃Health Policy 健康保險Health Systems Agencies 健診儀器諮詢會Heir 繼承人Held In Trust 託管信託Hereditaments 繼承財產Highest And Best Use Value 最高利用價值High-Pressure Selling 強迫招攬High Risk 高風險體HMO 保險組織Home Insurance 住宅保險Home Office 總公司Home Office Life Underwriter Association 總公司核保人協會Honesty Clause 誠信條款Honorable Undertaking 互信契約Honoring 按時履行義務，兌現Hospital Benefit 住院給付Hospital Expense Insurance 住院費用保險Hospital Income Insurance 住院所得保險Hospital Indemnities 住院補償Hospitalization Insurance 住院保險Hospitalization Policy 住院保險Hospital Miscellaneous Benefits 住院雜項費用給付Hospital Room Benefits 病房費用給付Hospital/Surgical (Expense) Insurance 住院及外科手術保險Hour Of Service 服務時數House Confinement Clause 在家療養條款Household 家HR-10 Plan 參見Human Depreciation Concept 人員折耗論IIndividual, Owner-employee, Junior partner, Common-law Employee. Employee Benefit Programs 員工福利給付計劃Identification Clause 身份確認給付條款Illegal Holding Of Premiums 保費非法處置、保費流用Illness Frequency Rate 罹病頻率Illness Severity Rate 疾病強度率Impersonal Contract 非對人契約Immediate Annuity 即時付年金Immediate Estate 立即遺產Immediate Life Annuity 即時付生存年金Immediate Participation Guarantee Plan 直接參加保證給付式團體年金Immediate Vesting 立即受領權Impaired Capital 資本減損Impaired Risk 弱體Impairment 缺陷、弱體狀況Impairment Of Capital 資本減損Imperfect Trust 不完全信託Implied Consent 暗示同意Implied Contract 默示契約Implied Trust 暗示信託Implied Warranty 暗示擔保Inadmitted Asset 未認可資產Incidental Life Insurance Protection 附帶的壽險保障Incidents Of Ownership (保單) 所有權之附帶權利Includible Compensation 可包括薪Income 收入Income Bond 退休年金Income Continuation Agreement 所得繼續協定Income, Earned 勤勞所得Income-Earning ability 所得能力Income Fixed 定額所得Income Insurance 年金保險Income Policy 年金保險Income Protection 殘疾所得補償保險Income Provider Plans 家庭扶養年金保險Income Settlement Options 年金式保險金給付選擇權Income Statement 損益表Incompetent 公司的財務營運，將公司某一段期間的收入和費用列入予以結算的財務報表。
保险领域行业词汇 中英对照
信用合作社=credit union精神上痛苦=pain & suffering保險費交付方式=premium mode到達年齡=attained age公共意外責任保險=liability insurance, public公共意外責任保險=public liability insurance專門職業責任保險=professional liability insurance不保項目=exclusion一次給付死亡理賠金=lump sum death benefit保證保險=bond投保證明=certificate of participation利率敏感型終身壽險=interest-sensitive whole life平準保險費=level premium比率溢額再保險=quota surplus reinsurance不適航=unseaworthiness責任綜合保險=liability insurance, comprehensive general 估價=appraisal其他保險條款=other insurance clause傢俱衣李保險=contents insurance傢俱衣李保險=household contents insurance標準條款=standard insurance contract provision標準條款=standard provisions相互保險公司=mutual company相互保險公司=mutual insurance company客戶關係管理=customer relationship management（CRM）信用人壽保險=credit life insurance信用人壽保險=creditor life insurance信用人壽保險=insurance, credit life信用人壽保險=life insurance, credit投資組合=investment portfolio投資組合=portfolio保險索賠=insurance claim保單紅利=policy dividend保單紅利=policyholder dividend重要員工=key employee（key person）現金餘額計畫=cash balance plan現值化=capitalization公證報告=survey report復效=reinstatement復效=revival提前給付人壽保險=acceleration life insurance時效=statute of limitation終身年金保險=life income policy要保書=proposal要保書=application承租人保險=renters insurance保單質押貸款=loan on policy保單質押貸款=policy loan即期年金=annuity, immediate即期年金=immediate annuity生死合險=endowment生死合險=endowment assurance生死合險=endowment insurance人壽保險被保險人=life insured曆年制已發生賠款=calendar year accounting incurred losses 履約保證保險=bond, performance履約保證保險=performance bond終身人壽保險=whole life insurance保險單紅利選擇權=participating policy dividend option分進再保險=reinsurance assumed洪水險承保約定=flood coverage保險單面值=face value of the policy縱火=arson保單現金價值滅失日=date of exhaust, exact保單現金價值滅失日=exact date of exhaust危險自留=risk retention相互保險社=mutual insurance association附加高額醫療保險=supplemental major medical insurance保險證=certificate of insurance保險證=certificate, insurance事故發生基礎承保式=occurrence form財產保險=property insurance長期失能=long-term disability法定年齡=legal age公認財務顧問師=Chartered Financial Consultant（ChFC）固定所得與本金保單=income and principal policy保單持有人=policyholder保全=conservation團體人壽保險=life insurance, group每日住院給付=daily hospital benefit告知=representations告知=disclosure現值因子=present value factor索賠=claim索賠=claims made要保人=applicant要保人=applicant for insurance要保人=proposer營建工程保證保險=construction bond逆仲介=disintermediation長期失能保險=long-term disability income insurance 長期失能保險=permanent health insurance（PHI）震災保險=earthquake insurance個人簡易壽險=individual life insurance承保業務內容組合=portfolio風險移轉=risk transfer風險移轉=transfer of risk利率風險=interest rate risk斷肢保險=dismemberment insurance總保費=gross premium總保費=premium, gross次標準體=risk substandard次標準體=substandard次標準體=under-average life汽車責任保險=automobile liability insurance受託人=bailee受託人=fiduciary受託人=trustee受託人=consignee增額保險單=additional optional policy責任準備金修正制=modified reserve standards已發生之費用=expense incurred保證增加保額選擇權=guaranteed issue投保前已存在的健康狀態=preexisting condition約定價值條款=agreed value clause事故發生基礎=occurrence basis自動墊繳保費=automatic premium loan（APL）個人信用保證保險=individual fidelity bond可能最大損失=maximum probable loss可能最大損失=possible maximum loss（PML）可能最大損失=probable maximum loss（PML）風險衡量=risk measurement保單紅利選擇權=dividend options保單紅利選擇權=options, dividend最大誠信契約=contract of utmost good faith最大誠信契約=uberrime fidei contract清償能力邊際=margin of solvency保單生效日=policy date豁免保險費附約=waiver of premium rider保險公司=insurance company信用卡偽造保險=credit card forgery insurance保證現金價值=cash value, guaranteed保證現金價值=guaranteed cash value要約與承諾=offer and acceptence保證購買選擇權=guaranteed purchase option賠償金=reparations保險契約=contract保險契約=contract of insurance保險契約=insurance contract變更受益人=beneficiary change財團法人工程保險協進會=Engineering Insurance Association（E.I.A.）自然災害=peril of nature受益人=beneficiary傷害及疾病保障=injuries and diseases covered職業傷害=occupational injury終身失能給付=lifetime disability benefit單獨海損=average, particular單獨海損=particular average承保能量=capacity危險因素=hazard承保利潤=underwriting profit保險證明書=insurance certificate保險效力終止條款=termination clause可信度=credibility完全失能給付=total disability benefit實質危險因素=hazard, physical實質危險因素=physical hazard汽車保險=automobile insurance汽車保險=motor insurance汽車保險=vehicle coverage信用風險=credit risk可保性=insurability海損理算師=average adjuster法律風險=legal risk航空器墜落及機動車輛碰撞承保式=falling aircraft & vehicle impact form 可保性增額選擇權=insurability option現值=current value現值=present value現值=present worth不保項目批註=exclusion rider遞延年金=annuity, deferred遞延年金=deferred annuity直接簽單公司=direct writer直接簽單公司=direct writing carrier保險效力之中止=suspension of coverage提前滿期選擇權=accelerated option除外（不保）期間=deferred period承保準備金=underwriting reserve連生生存年金保險=joint life and survivor insurance連生生存年金保險=joint-life and last-survivor annuity變額壽險=variable life insurance法定有價證券評價準備=mandatory security valuation reserve（MSVR）應計基礎（權責發生基礎）之會計方法=accrual basis of accounting團體年金=annuity, group團體年金=group annuity保單所有人權益=equity, policyowners保單所有人權益=policyowners equity保單所有人權益=policyholder surplus已發生費用=incurred expenses不續約條款=non-renewal clause保費自動墊繳選擇權=automatic premium loan option對價=quid pro quo對價=valued of all consideration對價=consideration請求給付保險金=claim純保費=premium, pure純保費=pure premium純保費=net premium純保費=net single premium純保費=premium, net非營利性公司=non-profit corporation利率敏感型保險單=interest sensitive policies定期年金=terminable annuity特別賠款準備金=special loss reserve保單可貸金額=loan value不當執業=malpractice財團法人保險事業發展中心=Insurance Institute of the Republic of China 分離帳戶=separate account二十年期繳費終身壽險=twenty-payment life不可轉換定期保險=non-convertible term insurance未決賠款=claim outstanding未決賠款=loss outstanding未決賠款=losses outstanding未決賠款=outstanding losses風險控管=risk control追溯保費=retrospective premium強制汽車責任保險=compulsory automobile liability insurance保險期間=duration of risk保險期間=period保險期間=policy period保險期間=policy term保險期間=term of policy保險期間=term人身意外傷害保險=personal accident insurance風險暴露單位=exposure unit故意之侵權行為=intentional tort故意之侵權行為=tort, intentional投保紀錄=insurance history列名被保險人=insured named列名被保險人=named insured主保險單=primary cover健康保險=health insurance可保價值=insurable value終身失能保險=lifetime policy不足額保險=underinsurance分進再保險人=assuming reinsurer保單架構=policy structure推定全損=constructive total loss招募率=recruitment ratio客觀危險=objective risk生存年金=annuity, life生存年金=life annuity被保險人=assured被保險人=cestui que vie被保險人=insurant被保險人=insured長尾賠案=long-tail claim保單貼現=viatical settlement代理費用=agent expense保險業務員=producer保險業務員=solicitor承保成本=underwriting cost未收保險費=outstanding premium未收保險費=uncollected premium不沒收價值=non-forfeitability確定給付退休金計畫=defined benefit pension plan 確定給付退休金計畫=pension plan, defined benefit 現金價值=cash value比例再保險=reinsurance, share比例再保險=share reinsurance比例再保險=proportional reinsurance金融服務=financial services工程保險=engineering insurance共同海損=general average海難=perils of the sea標準差=standard deviation or variation第三人責任保險=third party liability insurance罷工暴動民眾騷擾不保條款=free of strikes, riots and civil commotion clause （F.S.R. & C.C. clause）已發生但未報損失=incurred but not reportedlosses（IBNR）除外期間=deductible, period除外期間=excepted period除外期間=excluded period保證利率=guaranteed interest rate火災法律責任保險承保約定=fire legal liability coverage估計最大損失=estimated maximum loss（EML）事故年度=accident year國民健康保險=national health insurance養老年金險=annuity, endowment調整後承保利潤=adjusted underwriting profit長尾業務=long-tail business平均損失幅度=average loss severity平均損失幅度=average severity保單交付=policy delivery分紅保險=par分紅保險=participating insurance銀行保險=allfinanz銀行保險=bancassurance保險單起保日=commencement of coveragement保險單起保日=date of inception of the policy確定提撥退休金計畫（購買型計畫）=defined contribution pension plan（money purchase plan）加減費率法=modification rating每一事故限額=limit, per accident每一事故限額=occurrence limit每一事故限額=per accident limit簡易保險=industrial insurance寬限期間=grace period寬限期間=days of grace法定公積金=statutory surplus差別費率=rate discrimination頻率=frequency承保範圍=coverage承保範圍=insurance coverage定額給付年金=annuity, fixed定額給付年金=fixed annuity大數法則=law of large numbers大數法則=the law of large numbers每年更新（續保）團體定期保險=yearly renewable group term insurance 現金保險=cash insurance現金保險=money insurance非比例性再保險=nonproportional reinsurance生存險=pure endowment足額保險=full insurance足額保險=full value insurance傳統人壽保險公司=old line company傳統人壽保險公司=old line legal reserve company有效契約=business in force有效契約=in-force business有效契約=valid contract有效契約=insurance in force營建工程契約保證保險=bond, construction contract營建工程契約保證保險=construction contract bond比率再保險=reinsurance, quota share營建工程保險=construction insurance保險轉嫁=insurance transfer安裝工程保險=installation insurance風險辨識=risk identification外務佣金=agent's commission全損=total loss（TL）兵險條款=war clause兵險條款=war risk clause醫療保險=medical insurance代位原則=subrogation principle推定失能=presumptive disability分保公司=primary終身壽險=life insurance, permanent終身壽險=lifetime policy終身壽險=ordinary life-whole life-straight life終身壽險=permanent life i基本保費=basic premium不可保危險=noninsurable risk不可保危險=noninsurance risk不可保危險=uninsurable risk執業過失責任保險=malpractice liability insurance分紅保單=participating分紅保單=participating policy分紅保單=with-profits policy意外事故傷害=injury independent of all other means無清償能力=insolvency附加承保範圍=additional extended coverage分保=cede分保=reinsurance投資報酬風險=investment yield risk火災保險=fire insurance事故發生率=incidence rate人身意外傷害及疾病保險=personal accident and sickness insurance 求償通知條款=notice of claim provision免除特定責任=waiver事故發生通知=notice to company避險=hedge避險=hedging事故年度統計=accident-year statistics攤回再保險賠款=claim recovered from reinsurer獨立董事保險單=independent directors policies標準體=risk, standard標準體=standard標準體=standard life到期日=date of expiration保額=amount insured保額=amount of insurance非系統性風險=risk, unsystematic自動保費墊繳條款=automatic premium loan provision（APLP）佣金=commission財務再保險=financial reinsurance適格要件=eligibility requirement住院醫藥費保險=hospital medical insurance效力終止=termination年金保險=annuity提前滿期=accelerative endowment穿透率=penetration調解=mediation再保=reinsurance專屬保險=captive insurance意外死亡條款=accidental death clause輸出融資保險=export loan insurance人壽保險標準（示範）條款=standard provision, life insurance承保條款=insuring clause復原條款=reinstatement clause保證與告知=warranties and representation傘覆式再保險=umbrella reinsurance保額復效=reinstatement of the sum assured保險代理人=insurance agent聲明條款=recital clause保單轉換條款=policy change provision不定值海上保險單=unvalued marine policy除外責任條款=exception clause再保險合約=reinsurance treaty再保險合約=treaty年金受益人=annuitant海損=average定額給付=benefit, flat dollar定額給付=fixed benefit定額給付=flat dollar benefit定額給付=stated value benefit保險密度=insurance density公營保險人=governmental insurer辛迪卡=syndicate財務規劃師=Certified Financial Planner（CFP）失能所得附加特約=disability income rider比率再保險合約=quota share reinsurance（treaty）意外事故預防=accident prevention貼現值=discount value短期費率=short period rate短期費率=short rate直銷=direct selling限期繳費保險契約=limited payment policy共同受益人=joint beneficiary外務員=agent外務員=field representative外務員=fieldman外務員=representative外務員=representative, field定值保險=valued coverage曆年事故年度統計=calendar-accident-year statistics保險單起迄日=date of subscription to the policy保單解約=surrender a policy長期看護險=long-term care（LTC）現金賠款=cash claim住院及手術費用保險=hospital / surgical expense insurance 住院保險=hospitalization insurance風險管理程序=risk management process費率釐定機構=rating organization自然耗損不保事項=wear and tear exclusion兵險=war risk受益人生存年金=survivorship annuity躉繳保費=premium, single躉繳保費=single payment躉繳保費=single premium保險經紀人公司=brokerage agency全險=against all risks（AAR）全險=all risk insurance全險=all risks全險=open perils風險值=value at risk（VaR）人壽保險之生存給付=living benefits of life insurance自然保費=natural premium財產及責任保險核保人=Chartered Property and Casualty Underwriter（CPCU）賠款成本率=burning cost ratio（pure loss cost）不實說明=misrepresentation可移轉式退休金=portable pension信用失能保險=credit disability insurance附加醫療保險=supplemental medical insurance附加醫療保險=supplementary medical insurance個人傷害保險=personal injury insurance投保申請書=application已承保=covered額外保費=extra premium額外保費=premium, extra不實重要說明=material misrepresentation危險事故=peril承保條=slip分保人=cedent股份型態之保險公司=stock insurance company股份型態之保險公司=stock insurer自殘=self-inflicted injury法律責任保險單=legal liability insurance policy保險單=insurance policy保險單=policy綜合個人責任保險=comprehensive personal liability insurance事故發生基礎責任承保範圍=claims occurrence basis liability coverage 平準佣金=commissions, level平準佣金=level commission事故=occurrence不可抗力之事故=force majeure射倖契約=aleatory contract發單日=date of issue營建機具綜合保險=contractors equipment insurance表定死亡率或罹病率=tabular mortality or morbidity附加保費=additional premium（AP）附加保費=loading charge附加保費=premium loading附加保費=loading失能豁免保險費=waiver of premium disability benefit失能豁免保險費=waiver of premium for disability確定簽單保額=definite closing起賠式自負額=deductible, franchise起賠式自負額=franchise deductible自然死亡=natural death風險管理=risk management現金償還年金（一次償還年金）=cash refund annuity（lump sum refund annuity）臨時分保=facultative reinsurance臨時分保=reinsurance, facultative喪葬保險=burial insurance喪葬保險=funeral insurance保單變造=spoliation保費=insurance premium保費=premium放佣行為=rebating每年更新（續保）定期保險=annual renewable term insurance每年更新（續保）定期保險=yearly renewable term insurance每年更新（續保）定期保險=yearly renewable term（YRT）保險需求分析法=need approach長期失能所得保單=long-term disability policy受託人保險=bailees insurance相互保險=mutual insurance已付賠款=losses paid已付賠款=paid losses失能保險=disability insurance技術準備金=technical reserve保單轉換=policy replacement不保危險=excluded peril防護及補償協會=Protection and Indemnity Club（P & I Club）風險成本=cost of risk營造綜合保險=contractor's all risks insurance（C.A.R.）保單面值=policy face（保險）仲介人=intermediary要約=offer投資連結型養老保險=unit-linked endowment初年度保費=first-year premium指數人壽保險=indexed life insurance巨災再保險=catastrophe reinsurance巨災再保險=reinsurance, disaster死亡風險=mortality risk保單聲明（要保書表白事項）=policy declaration約定價值=agreed value不保事項=exception分期保險費=installment premium保單滿期日=maturity date不分紅人壽保險=non-participating life insurance重要事實=material fact風險評估=risk assessment不可續保契約=non-renewable contract費率類別（費率等級）=rating class費用率=expense ratio個人退休金計畫=personal pension scheme不保財產=exclusion property契約轉換=conversion已發生之損失=incurred losses績優費率法=merit rating績優費率法=rating, merit人壽保險：人生風險=life insurance：life risk平均餘命=expectation of life平均餘命=life expectancy繳清保險=paid-up insurance投資報酬率=yield on investments ratio失效=lapse相互壽險公司=mutual life assurance company個人年金=annuity, individual個人年金=individual annuity再保險經紀人=reinsurance broker承保項目=item保單起保日及損失發生時點=contract inception and time of loss 信用卡保險=credit card insurance輸出保險=export insurance錯誤與遺漏條款=errors and omission clause增加率=accrual rate直接損失=direct loss直接損失=direct damage免賠額條款=franchise clause保單所有人保費豁免優惠=owner waiver of premium benefit核保=underwrite核保=underwriting除斥期間=limitation推定過失=negligence, presumed推定過失=presumed negligence抗辯條款=contestable clause分進公司=assuming company分進公司=ceded company分進公司=accepting office保險=assurance保險=insurance污染除外條款=pollution exclusion風險管理人=risk manager抗辯費用=defence cost抗辯費用=defense costs拋棄繼承=disclaimer遞延給付=deferred benefits and payments遞延給付=deferred payments鍋爐保險=boiler insurance意外死亡及斷肢、喪失能力=accidental death and dismemberment（AD&D）自用汽車保險單=personal auto policy自用汽車保險單=personal automobile policy（PAP）最大善意=bona fide最大善意=uberrimaie fidei風險管理師=Fellow in Risk Management（FRM）防護及補償保險=P&I insurance防護及補償保險=protection and indemnity（P & I）insurance危險抑減=risk reduction放射性污染保險=radioactive contamination insurance押標金保證保險=bid bond押標金保證保險=bond, bid協會貨物保險條款=institute cargo clauses（I.C.C.）保單滿期=matured自負額=deductible自負額=excess汽車車體損失保險=automobile physical damage insurance受益人信託=beneficiary of trust遺族年金=death benefit only已經過期間之保費=premium earned承保處所=insured premises費率手冊=rate book費率手冊=rate manual定期保險單=term of the policy定期保險單=term policy保單貸款=loan賠款準備金=loss reserve賠款準備金=reserve, loss附加保險事故=additional perils市場價值相對於實際現金價值=market value v. actual cash value信用保險=credit insurance保險利益=insurable interest保險利益=insurance interest保險精算師=actuary讓與權利=right of assignment不定值保險單=nonvalued insurance policy不定值保險單=unvalued policy貨物保險=cargo insurance投資型保險商品=investment-linked product現值表=present value tables金融控股公司=financial holding company保單體檢=periodic reviews不可轉讓保險單=nonassignable policy放佣=rebate年繳保費=annual premium員工誠實保證保險=bond, fidelity員工誠實保證保險=fidelity bond員工誠實保證保險=fidelity guarantee insurance變額萬能壽險=universal variable life insurance變額萬能壽險=variable universal life死亡給付=death benefit專屬代理制度=exclusive agency system毛保費=gross premium毛保費=premium, gross保單=insurance policy保單=policy續保條款=renewal agreement續保條款=renewal provision海上保險=marine insurance海上保險=wet marine insurance危險保費=risk premium法定不保事項=statutory exclusions除外項目=exclusion連動式債券=structured note拒保=rejection承保集團=pool保險金額=insurance cover保險金額=insured amount保險金額=sum insured保險金額=amount insured保險金額=amount of insurance風險基礎資本規定=risk based capital（RBC）requirements 再保險佣金=reinsurance commission提前給付之死亡保險金=living death benefits未滿期保費=premium, unearned未滿期保費=unearned premium定值保險單=stated value policy定值保險單=valued policy直接原因=proximate cause意外頻率=accident frequency承保會員=underwriting member約定價值保險單=agreed value policy失能所得保險=disability income insurance臨時再保險證明書=facultative certificate of reinsurance 非比例性保險=nonproportional insurance屬人危險=personal hazard其他被保險人=other insureds保險利益條款=insurable interest clause自動增加給付=automatic increase in benefits產品責任保險=liability insurance, product產品責任保險=product liability insurance公認壽險核保師=Chartered Life Underwriter（CLU）危險評估=risk appraisal保單評價=valuation, policy復效附註條款=reinstatement memorandum清償能力=solvency表定利率=tabular interest rate學生保險=student insurance現賠=cash claim索賠公證人=claim adjuster長尾責任=long-tail liability重複投保分攤準則=nonconcurrent apportionment rules給付選擇權=options of payment巨災債券=CAT bond巨災債券=catastrophe bond抗辯期間=contestable period海事公證人=marine surveyor契約=contract倫敦勞依茲=Lloyd's of London固定收益財務工具=fixed income financial instrument變額年金=annuity, equity變額年金=annuity, variable變額年金=equity annuity(ies)變額年金=variable annuity變額年金=variable dollar annuity生效日=effective date豁免保費條款=payor provision非投資等級債券=noninvestment grade bonds家畜保險=livestock insurance保險商品=product醫療費用保險=medical expense insurance醫療費用保險=medical payments insurance定期壽險附約=term insurance rider保險單生效日=date of policy貨物運送人保險=motor truck cargo insurance不喪失解約金價值=non-forfeiture cash surrender benefit醫師專業責任保險=liability insurance, physicians and surgeons 終止條款=cancellation clause勞工災害補償=workers compensation（W.C.）暫保單=binder暫保單=binding slip暫保單=cover note暫保單=insurance cover note理賠費用=claim expense理賠費用=loss adjustment expense共保=coassurance指數型人壽保單=indexed life policies效力中止條款=suspension provision直效行銷=direct marketing彈性保費=flexible premium保戶手冊=buyer's guide政策性保險=act insurance核保利潤=underwriting profit洪水保險=flood insurance汽車第三人責任保險單=third party only policy年金保費=annuity consideration年金保費=premium, annuity年金生命表=annuity table傳統人壽保險=old line傳統人壽保險=old line life初年定期式責任準備金提存制=preliminary term reserve system保險費率=insurance rate保險費率=premium rate豁免保險費=waiver of premium（WP）保留盈餘=retained earnings罷工保險=damage from strikers insurance罷工保險=strike insurance重大過失=gross negligence重大過失=negligence, gross自留=retention勞依茲辛迪卡=Lloyd's Syndicate保單移轉=transfer航空保險=air insurance航空保險=aviation insurance地震險=earthquake insurance超額保險=excess insurance超額保險=over insurance超額保險=over-insurance人壽保險可績保性=life insurance renewability保單指定受益人=owner's designated beneficiary保險金=amount of loss保險金=policy proceeds重置成本保險=replacement cost insurance企業主管人員保險=key-executive insurance公認財務分析師=Chartered Financial Analyst複保險=double insurance複保險=overlapping insurance意外傷害保單=accident policy不沒收條款=non-forfeiture benefit（option）不沒收條款=non-forfeiture clause不沒收條款=non-forfeiture option or provision不沒收條款=non-for投資帳戶=investment account保單年度經驗=experience, policy year保單年度經驗=policy year experience連生被保險人=joint insured告知義務=duty of disclosure保險集團=insurance pool心理危險因素=hazard, morale心理危險因素=morale hazard住院、手術及醫療費用保險=hospital, surgical, and medical expense insurance自殺條款=suicide clause自殺條款=suicide provision政治風險=political risk公證人=adjuster公證人=surveyor選擇權=option非營利性保險人=non-profit insurers保本型年金=capital protected annuity營業中斷=business interruption（BI）附加保險費=loading責任保險=liability insurance投資連結型個人退休金=unit-linked personal pension人壽保險=life assurance人壽保險=life insurance現金價值壽險=cash value life insurance單一費率=flat rate單一費率=rate, flat玻璃保險=glass insurance責任限額=liability limits責任限額=limit of liability台灣地區營造綜合保險聯合小組=Committee of Contractor's All Risks Underwriters in Taiwan（C.O.C.A.R.U.I.T.）一次購足=one-stop shopping行為能力=competency行為能力=legal capacity承保事故約定=coverage, peril車體損失保險=physical damage insurance契約不為承認之補償保險=contract repudiation indemnity估價條款=appraisal clause估價條款=valuation clause保單復效=reinstatement of policy限期繳費人壽保險=life insurance, limited payment限期繳費人壽保險=limited payment life insurance查勘=inspection額外生活費用保險=additional living expense insurance理算人=adjuster定額年金=level annuity醫療照護保險=medical care insurance風險基礎資本比率=risk based capital ratio保單價值=policy value自負額條款=deductible clause十日審閱期條款=ten-day free look provision淨保費=net premium淨保費=net single premium淨保費=premium, net給付=benefit公共運送人=common carrier基本費率=basic rate保險費非法處置=illegal holding of premiums現金償還年金=annuity, cash refund事業責任保險=business liability insurance疾病保險=sickness coverage疾病保險=sickness insurance懲罰性損害賠償金=exemplary damage可保性證明=evidence of insurability拖曳費用=towing charge衍生性金融商品=derivatives罹病率=morbidity罹病率=morbidity rate獨立代理人=agent, independent獨立代理人=independent agent不可轉讓契約或保險單=nonassignable contract or policy可轉換定期壽險=convertible term life insurance人壽保險單條款=policy provisions, life保單轉讓=policy assignment輸出信用保險=export credit insurance發生年度=occurrence year保單繼續率=persistency總括保險=blanket insurance巨災=catastrophe保險人=assurer保險人=insurance carrier保險人=insurer保險人=carrier不可變更之受益人=absolute beneficiary不可變更之受益人=beneficiary, absolute不可變更之受益人=beneficiary, irrevocable不可變更之受益人=irrevocable beneficiary其他保險=other insurance社會保險=social insurance定期人壽保險=life insurance, term定期人壽保險=term life insurance已終止之保單=terminated policy保費收入=premium income職業意外事故=accident, industrial職業意外事故=industrial accident職業意外事故=occupational accident批註（條款）=endorsement營業許可證=certificate of authority保險事故=insured peril旅行平安保險=travel accident insurance承保確定=commitments風險證券化=securitization of risk專屬代理人=agent, captive專屬代理人=captive agent專屬代理人=exclusive agent危險承擔=assumption of risk危險承擔=risk assumption分紅=dividend保單年度=policy year起賠點=attachment point起賠點=excess point一般公認會計原則=generally accepted accounting principles（GAAP）連生壽險=joint life insurance已繳股本=paid-in capital航空乘客意外保險=aviation passenger accident insurance保證解約退還金=cash value, guaranteed保證解約退還金=guaranteed cash value保險單不保項目=exclusions of policy風險基礎資本=risk based capital（RBC）退休保險需求=retirement insurance needs所得平均法=income averaging免賠額=franchise免賠額=deductible, franchise免賠額=franchise deductible分出公司=cedant分出公司=ceding company保險費=charge of insurance保險費=insurance expense保險費=insurance premium保險費=premium放棄代位權條款=waiver of subrogation rights clause保險單總價值=amount of insurance to value已收保費=earned premium效力保險=efficacy insurance保險代位=subrogation承保損失=covered losses重大疾病保險=catastrophic illness insurance重大疾病保險=critical illness insurance重大疾病保險=dread disease insurance臨時再保險=facultative reinsurance臨時再保險=reinsurance, facultative承保危險=risks covered使用性質=occupancy每日定額給付=fixed daily benefit失效解約率=lapse ratio綜合率=combined ratio專屬保險公司=captive insurance company承保費用=underwriting expense契約保全=life conservation意外=casualty意外=contingent可保危險=insurable risk使用性質變更條款=change in occupancy or use clause住院他項費用給付=special services benefits暴風雨、民眾騷擾、煙燻、冰雹、航空器、機動車輛、爆炸及暴動=W. C. SHAVER 人壽保險單=life policy自然耗損=natural losses自然耗損=wear & tear契約審閱期間=cooling-off period聲明事項=declaration確定給付=payment certain理賠=claim理賠=claim adjustment船體保險=hull insurance錯誤與遺漏保險=errors and omissions insurance（E&O）共同保險規定=coinsurance provision保單責任準備金=policy reserve侵權行為=tort附條件可續保契約=conditionally renewable contract 隨支隨付計畫=pay-as-you-go plan器官移植給付=transplant benefit現值化利率=capitalization rate保險單之簽約日期=date of subscription to the policy。
保险英语词典
保险英语词典一、保险种类1.Life Insurance 人寿保险2.Health Insurance 健康保险3.Auto Insurance 汽车保险4.Property Insurance 财产保险5.Liability Insurance 责任保险6.Marine Insurance 海上保险7.Credit Insurance 信用保险8.Surety Bond 保证保险9.Employment Insurance 职业保险10.Retirement Insurance 养老保险二、保险合同1.Insurance Policy 保险合同2.Premium 保险费3.Beneficiary 受益人4.Policyholder 投保人5.Insurer 保险公司6.Underwriter 保险人7.Coverage 保险范围8.Exclusion 除外条款9.Term Life Insurance 定期人寿保险10.Whole Life Insurance 终身人寿保险三、保险费率1.Premium Rate 保险费率2.Deductible 免赔额3.Co-Insurance 共同保险4.Reinsurance 再保险5.Single Premium Life Insurance 单保费人寿保险6.Level Premium Rate 平准保费率7.Increasing Premium Rate 递增保费率8.Decreasing Premium Rate 递减保费率9.Loading/Surcharge 附加保费/附加费10.Reduced Premium Rate 优惠保费率四、保险赔偿1.Claim 理赔pensation 赔偿金3.Settlement 理赔金4.Reimbursement 报销费用5.Loss Reporting 报案6.Claim Settlement 理赔结案7.Partial Loss 的部分损失/偏瘫。
人身保险中英对照
●补充残疾给付——免缴Waiver of premium (WP) 保费1、残疾免缴保费给付Waiver of premium fordisability benefit2、投保人免缴保费给付Waiver of premium for payorbenefit3、残疾收入给付Disability income benefit●寿险提前给付附约Accelerated death benefitriders1、终末疾病给付Terminal illness benefit2、重大疾病给付Dread disease benefit3、长期护理给付Long-term care benefit储蓄型人寿保险——年金保险趸缴年金Single premium-annuity期缴年金Periodical premium-annuity即期年金Immediate annuity延期年金Deferred annuity终身年金Life annuity——纯粹终身年金Straight life annuity——固定期终身年金Life income annuity withperiod certain——全额偿还终身年金Life income with refundannuity确定年金Annuity ceratin限期生存年金Temporary life annuity个人年金Personal annuity联合年金Joint annuity定额年金Fixed-benefit annuity变额年金Variable annuity准投资型的人寿保险——分红保险分红保险Participating contracts可分配盈余Distributable surplus红利分配方式1、现金红利法Cash dividend approach2、增额红利法Additions to benefits approach投资型的人寿保险一、变额寿险Variable life insurance——单位基金连结保险（英）Unit-linked policy——权益连结保险（加）Equity-linked policy——投资连结保险（新、中）Investment-linked life insurance二、万能寿险Universal life insurance三、变额万能寿险Variable universal lifeinsurance健康保险一、医疗保险Medical expence coverage ——免赔额条款Deductible clause——共保条款Coinsurance provision●基本医疗保险Basic medical expense coverage1、门诊医疗保险2、住院医疗保险Hospital expense coverage3、手术医疗保险Surgical expense coverage4、综合医疗保险Comprehensive expensecoverage●高额医疗保险Major medical insurancepolicy1、补充高额医疗保险Supplemental major medicalpolicy2、综合高额医疗保险Comprehensive major medicalpolicy●补充医疗保险Supplemental medical policy1、牙科费用保险Dental expense coverage2、处方药费保险Prescription drug coverage3、眼科保健保险Vision care coverage4、生育保险二、疾病保险Disease coverage重大疾病保险Critical illness insurance三、残疾收入保险Disability income coverge四、长期护理保险Long term care insurance团体保险团体保险Group insurance总的团体保险单Master contract费率厘定1、手册费率法Manual rating2、经验费率法Experience rating3、混合费率法Blended rating一、团体人寿保险Group life insurance——团体定期寿险Group term insurance——团体终身寿险Group permanent insurance雇员福利计划Employee benefit plan二、团体年金Group annuity团体延期年金Deferred-group-annuitycontract预存管理年金Deposit-administration-annuitycontract即期参与保证年金Immediate participateguarantee annuity contract协调给付条款Coordination Of BenefitProvision (COB)。
保险中英文
各类保险中英文对照accident insurance意外保险accident death insurance意外死亡保险accounts receivable insurance应收帐款保险additional insurance加保agricultural insurance农业保险air transport insurance空运保险air transportation cargo insurance空运货物保险aircraft hull insurance飞机机身保险aircraft passenger insurance飞机乘客保险all risks insurance综合保险annuity insurance年金保险automobile insurance汽车保险aviation insurance航空保险aviation liability insurance航空责任保险aviation personal accident insurance航空人身意外保险bad debt insurance坏帐保险baggage insurance行李保险bailee's customers insurance受托人代客保险basic insurance基本保险blanket insurance总括保险block insurance船舶保险boiler explosion insurance锅炉爆炸保险bond insurance债券保险bonding insurance保证保险broker insurance保险掮客building insurance建筑物保险burglary insurance盗窃保险business interruption insurance业务中断保险business liability insurance营业责任保险capital insurance资本保险cargo insurance货物保险cargo marine insurance海洋货运保险cargo transportation insurance货物运输保险carrier's liability insurance承运人责任保险cash messenger insurance现金运送保险casualty insurance不幸事故保险, 灾害保险cattle insurance家畜保险cede insurance分保child's insurance儿童保险civilliability insurance民事责任保险civil responsibility insurance责任保险collective insurance集体保险collective accident insurance集体灾害保险collision insurance碰撞保险commercial credit insurance商业信用保险commission insurance佣金保险compensation insurance职工赔偿保险comprehensive insurance综合保险, 全程保险compulsory insurance强制保险concurrent insurance同时保险consequential damage insurance间接损害保险consequential loss insurance间接损失保险consignment export insurance寄售输出保险consignment sale export insurance寄销出口保险consignment stock insurance寄销货物保险continued insurance继续保险convertible insurance转换保险cost and insurance成本加保险价credit insurance信用保险credit life insurance信用人寿保险(借款人死亡时, 应将赔偿金付给放款人) crop insurance作物保险damage insurance损失保险death insurance死亡保险deferred insurance搁置保险deposit insurance存款保险disability insurance残废保险disbursements insurance船舶费用保险domestic insurance家计保险domestic animal transportation insurance家畜运输保险double insurance双重保险duty insurance关税保险earthquake insurance地震保险economic policy insurance经济政策保险education insurance教育保险elevator liability insurance电梯责任保险employee's pension insurance职工退休养老保险employer's liability insurance雇主责任保险; 职工伤害保险employment insurance就业保险endowment insurance人寿定期保险, 养老保险, 储蓄保险endowment life insurance人寿定期保险engineering insurance工程保险erection insurance机器安装保险excess insurance超额保险exchange risk insurance外汇风险保险exhibition insurance展览保险expected profit insurance预期利润保险explosion insurance爆炸保险export insurance出口保险, 输出保险extended terms insurance延期保险external investment principal insurance国外投资本金保险facultative insurance临时保险family income insurance家庭收入保险farm insurance农业保险fermentation insurance发酵保险fidelity insurance职工忠诚保险fire insurance火灾保险, 火险fiscal insurance租税保险fixed term insurance定期保险flood insurance洪水保险forced insurance强制保险foreign exchange fluctuation insurance外汇波动保险fraternal insurance互助救济保险freight insurance运费保险frost insurance霜害保险full value insurance全值保险general average disbursement insurance共同海损费用保险general export insurance普通输出保险government employee insurance公务人员保险group insurance团体保险group life insurance团体人身保险guarantee insurance保证保险, 盗窃意外保险hail insurance雹害保险harvest insurance收获保险hazardous insurance危险物品保险health insurance健康保险hire purchase credit insurance租赁信用保险homeowner's insurance房主保险hospitalization insurance医疗保险hull insurance船舶保险, 运输工具保险hypothecation insurance抵押保险imaginary profit insurance预期利益保险immovable insurance不动产保险inconvertibility insurance国外投资本利不能兑换汇回保险increased value insurance增值保险individual accident insurance个人伤害保险industrial insurance工业保险inland marine insurance内陆水运保险invalid insurance伤残保险jewellery insurance珠宝保险jobless insurance失业保险joint insurance合伙保险, 联合保险joint stock insurance合股保险业label insurance标签保险labour insurance劳动保险land transit insurance陆运保险leasehold interest insurance租赁权益保险liability insurance责任保险life insurance人寿保险lighter insurance驳运保险livestock transit insurance活牲畜运输保险long life insurance长寿保险luggage insurance行李保险machinery insurance机器保险machinery breakdown insurance机器损坏保险marine insurance海洋运输保险, 海上保险, 水险marine cargo insurance海运货物保险marine hull insurance船舶保险maritime insurance海洋运输保险maternity insurance生育保险medical expense insurance医疗费保险mixed insurance混合保险more specific insurance最特定保险mortality insurance死亡保险mortgage insurance不动产抵押借款保险motor car insurance汽车保险motor cycle insurance摩托车保险motor vehicle passenger insurance汽车乘客保险movable insurance动产保险multiple-line insurance多种类保险业务mutual insurance相互保险national insurance国民保险, 国家保险national health insurance国民健康保险no-fault insurance无过失保险non-concurrent insurance不同时保险non-life insurance损害保险obligatory insurance强制保险ocean marine cargo insurance海洋运输货物保险old age insurance老年保险open cover cargo insurance预约货物保险单open policy insurance预约保险ordinary life insurance普通终身寿险overlapping insurance重复保险海外保险overseas travel sickness insurance海外旅行疾病保险own insurance自己保险, 本身保险paid-up insurance保费已付足的人寿保险单parcel post insurance邮包保险partial insurance部份保险participating insurance由相互保险公司所出的分单保险, 其利润将来仍退给投保人passenger insurance旅客保险pensions insurance抚恤金保险perpetual insurance终身保险personal insurance人身保险petty insurance小额保险plate glass insurance玻璃保险pluvious insurance雨水保险, 雨淋保险postal insurance简易保险power interruption insurance电流中断保险preliminary term insurance初期保险, 持续保险premium insurance保险费prepaid insurance预付保险费保险primary insurance优先保险product liability insurance产品责任保险professional liability insurance职业责任保险利润保险property insurance财产保险proprietary insurance营业保险provisional insurance暂时保险public liability insurance公众损害保险, 公共责任保险pure endowment insurance生存保险, 养老保险rain insurance雨害保险reduced paid-up insurance减额支付保险registered mail insurance挂号邮件保险rent insurance房租保险replacement insurance重置或修复保险residence insurance住家保险retirement income insurance退休收入保险river hull insurance内河船舶保险river transportation insurance 内河运输保险robbery insurance盗劫保险shipping insurance船运保险sickness insurance疾病保险social insurance社会保险specific insurance特定保险state insurance国家保险storm and tempest insurance暴风雨保险straight life insurance终身保险strike expenses insurance罢工追加费用保险subsidiary insurance附属保险supplementary insurance追加保险survivorship insurance共有财产中归后死者所得的联合保险term insurance定期保险theft insurance盗窃保险time insurance定期保险time hull insurance船舶定期保险title insurance产权保证保险tourist luggage insurance旅客行李保险transit insurance内陆运输保险traveller's accident insurance 旅客意外保险trust insurance信托保险unemployment insurance失业保险unexpired insurance未到期保险use and occupancy insurance固定开支保险voluntary insurance自愿保险voyage insurance航次保险waiting insurance停止保险war risk insurance战争险, 兵险water pipe insurance水管保险whole life insurance终身保险windstorm insurance风暴险workmen's insurance工人保险workmen's compensation insurance劳工保险yacht insurance游艇保险insuranceacceptancepolicy核保政策accountingperiod结算期aggregatelimit累积限额aggregatedloss累积损失antiselection逆选择ART（AlternativeRiskTransfer）新型风险转移balance所欠款项barrages堰坝captivepools自保组合catastropherisk巨灾风险ceidingcompany分出公司cessionlimit分保限额claim-prone容易出险claimsassistance理赔协助cleancut结清方式coinsurance共保commencementandtermination起讫cover承保cover责任额depositpremium预付保费destroyed毁坏earthcaves土坏房屋EPAeventlimit事件限额exgratiapayments通融赔款excessloss超额赔款exclusion除外责任exposedareas风险承受区域facultativereinsurance临时分保faultzone断层区finiterisk有限制的风险flashfloods骤发洪水floodingofrivers洪水泛滥framestructure框架结构full coverage全额承保fullinsurancevalue足额保险价值fullliability全部责任GeophysicsInstitute地球物理研究所GNPI总净保费收入hailstorm雹暴heavydamage严重破坏hollowbrickwall空斗砖结构hourclause小时条款hurricane飓风individuallosses单一损失insurability可保性insuredlosses保险损失intensity烈度layering层次lessexposed损失可能性小liability责任lightdamage轻度破坏lineslips分保条loading附加费lossoccurrence损失发生lossoccurringbasis损失发生基础lossparticipation分担损失losssettlement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netretainedlines净自留额netretainedlosses损失净自赔额noprofitcommission无纯益风险non-proportionalreinsurance非比例再保险notification告知object标的obligatoryreinsurance固定分保originaldeductibles原始免赔额originalrate原始费率paid-upcapital已付资本peakaccelerator峰值加速度peril危险PICCRe中保再placement安排PML可能最大损失policyholder保单持有者pool共保组合portfolioentry未满期责任的出帐portfoliooutgo未满期责任的入帐premium保费previouslosses既往损失priority分保自留额priority自付责任proportionalreinsurance比例再保险rainstorm雨暴rating费率reinforcedconcretebuilding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retentionareas滞洪区returnperiod重现期revokelicense吊销营业执照seaquake海震secondeventcover第二事件承保securitization证券化seismicdemage震害set-off抵销shearwallstructure剪力墙结构single险位超赔spreadloss分散风险stoploss赔付率超赔stormsurges风暴潮susceptibilityofgoodstowater易受水浸性tarrif费率表TG拐点周期tidalwave海啸topographicmap地形图tornado龙卷风totalsuminsured总保额treaty-limits合约限额tubestructure筒体结构underwritingpolicy承保政策windstorm风暴险种health insurance疾病保险，健康保险Sickness insurance疾病保险Insurance during a period of illness疾病保险Insurance for medical care医疗保险"majormedical"insurancepolicy巨额医药费保险Life insurance人寿保险endowmentinsurance养老保险insurance on last survivor长寿保险social insurance社会保险personalpropertyinsurance个人财产保险insuranceofcontents家庭财产保险FreefromParticularAverage（F.P.A.）平安险WithParticularAverage（W.P.A.）水渍险All Risks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（TPND）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Termsusedininsuranceindustryaccident意外事故险actuarialmethod精算法AdvanceLossProfits（ALOP）预期利润损失险，利损险Advanceprofit预期利润broker经纪人BusinessInterruptionInsurance（BI）营业中断险captive自保公司casualty意外伤害险英[ˈkæʒuəlti]美[ˈkæʒuəlti]catastrophe巨灾险cedingcompany分出公司claim索赔claim settlement理赔combined ratio综合赔付率ConsequentialLoss（CL）后果损失Contractor’sAllRisks（CAR）建筑工程一切险（建工险）cover保障Delayincompletion完工延误EEI电子设备险engineeringinsurance工程保险ErectionAllRisks（EAR）安装工程一切险（安工险）excessoflosscover超额赔偿EXLprotection超赔保障facultativebusiness临分保IBRN Incurred but not reported losses已发生但未报的损失IBRN reserve IBRN储备金Indemnity period/limit赔期/期限inflatedclaim超额索赔insurance capacity承保能力insuredproperty参保物业Kobe神户Lloyd劳合社long-tail长尾Lossofprofit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multipleclaim多次（重复）索赔non-life非寿险officer&directorliability雇主保险outstandingclaimreserve未决索赔准备金policy保单pool联营possiblemaximumloss可能的最大损失premium保费primaryinsurancecompany原保公司、主保险商principal/employer业主professional专业险profitmargin利润边际property财产险proportionalcover比例分保punitivedamage惩罚性损害rate费率reinsurer分保人（分保公司）reinsurer再保人reserve准备金retention自留returnperiod（巨灾）间隔期short-tail短尾solvencymargin赔偿能力standingcharges维持费用subjectinsured风险标的sum insured保额tarrifzone险区Third Party Liability（TPL）第三者责任险treatiesbusiness合同分保turnover营业额underwriting承保working expenses/cost营业费用critical illness insurance program就是“重大疾病保险”。
资料模板：保险法中英对照
Insurance Law of the People's Republic of China 中华人民共和国保险法(Adopted at the 14th session of the Standing Committee of the Eighth National People's Congress on June 30, 1995; amended for the first time at the 30th session of the Standing Committee of the Ninth National People's Congress on October 28, 2002, according to the Decision on Amending the Insurance Law of the People's Republic of China; revised at the 7th session of the Standing Committee of the Eleventh National People's Congress on February 28, 2009; amended for the second time at the 10th session of the Standing Committee of the Twelfth National People's Congress on August 31, 2014, according to the Decision of the Standing Committee of the National People's Congress on Amending Five Laws Including the Insurance Law of the People's Republic of China; and amended for the third time in accordance with the Decision on Amending Five Laws Including the Metrology Law of the People's Republic of China adopted at the 14th Session of the Standing Committee of the Twelfth National People's Congress on April 24, 2015) （1995年6月30日第八届全国人民代表大会常务委员会第十四次会议通过根据2002年10月28日第九届全国人民代表大会常务委员会第三十次会议《关于》第一次修正2009年2月28日第十一届全国人民代表大会常务委员会第七次会议修订根据2014年8月31日第十二届全国人民代表大会常务委员会第十次会议《关于修改〈〉等五部法律的决定》第二次修正根据2015年4月24日第十二届全国人民代表大会常务委员会第十四次会议《关于修改〈〉等五部法律的决定》第三次修正）Contents 目录Chapter I General Provisions第一章总则Chapter II Insurance Contracts第二章保险合同Section 1 General Rules第一节一般规定Section 2 Personal Insurance Contracts第二节人身保险合同Section 3 Property Insurance Contracts第三节财产保险合同Chapter III Insurance Companies第三章保险公司Chapter IV Rules of Insurance Operations第四章保险经营规则Chapter V Insurance Agents and Insurance Brokers第五章保险代理人和保险经纪人Chapter VI Supervision and Administration of the InsuranceSector第六章保险业监督管理Chapter VII Legal Liability第七章法律责任Chapter VIII Supplemental Provisions第八章附则Chapter I General Provisions第一章总则Article 1 This Law is enacted for the purpose of regulating insurance activities, protecting the legitimate rights and interests of the parties to insurance activities, strengthening the supervision and administration of the insurance sector, maintaining the social and economic order and public interest, and promoting the sound development of the insurance sector.第一条为了规范保险活动，保护保险活动当事人的合法权益，加强对保险业的监督管理，维护社会经济秩序和社会公共利益，促进保险事业的健康发展，制定本法。
常用保险术语(中英对照版本).
常用保险术语保险费率 premium rate单位保险金额应该收取的保险费。
损失 loss非故意的、非预期的和非计划的经济价值的减少或灭失。
通常分为直接损失和间接损失。
损失程度 loss severity保险标的可能遭受的损失的严重程度。
直接损失 direct loss由风险事故导致的财产本身的损失。
间接损失 indirect loss由直接损失引起的额外费用损失、收入损失和责任损失等无形损失。
保险 insurance投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。
财产保险 property insurance以财产及其有关利益为保险标的的保险。
企业财产保险 commercial property insurance以单位、团体所有或占有的在指定地点的财产及其有关利益为保险标的的财产保险。
营业中断保险 business interruption insurance以单位因停产、停业或经营受影响而面临的预期利润的减少及必要的费用支出为保险标的的财产保险。
机器损坏保险 machinery breakdown insurance以各类已安装完毕并投入运行的机器为保险标的财产保险。
货物运输保险 cargo insurance以运输途中的货物为保险标的保险。
海上货物运输保险 ocean marine cargo insurance以通过海上运输方式运输的货物作为保险标的的保险。
陆上货物运输保险 inland transit insurance以通过陆上运输方式运输的货物为保险标的的保险。
航空货物运输保险 air cargo insurance以通过航空运输方式运输的货物为保险标的的保险。
工程保险 engineering insurance;project insurance以工程项目中的财产及其赔偿责任为保险标的的保险。
保险业常用词汇中英文对照
保险业常用词汇中英文对照第一部分:保险承保业务1、一般保险原理保险insurance保险业insurance industry保险业务结构business structures保险业主体bodies in Insurance Industry被保险人insured理赔claim settlement承保利润微薄underwriting profit is slight承保能力insurance capacity承保业务underwriting operation未决赔款储备金reserve IBRN大数法则Law of Large Numbers营业额turnover市场缺陷market imperfections社会保险social insurance个人代理人personal agent银行保险bank insurance直销straight pin佣金brokerage手续费commission charges再保险reinsurance2、财产保险财产保险property insurance长尾long－tail长期护理保险long—term care insurance短尾short－tail综合赔付率combined ratio自留retention车险auto insurance财产保险property insurance责任保险liability insurance农业保险agricultural insurance巨灾保险catastrophe insurance意外伤害保险casualty accident insurance3、寿险词汇变额寿险variable life insurance长寿保险insurance on last survivor定期寿险term insurance合同储蓄机构contractual saving institutions红利dividend疾病保险sickness insurance简易险industrial insurance健康保险health insurance巨额医药费保险major medical” insurance policy可变保费寿险flexible-premium life insurance利差损interest spread risk利率敏感型产品interest-sensitive whole life赔期/期限indemnity period/limit普通寿险ordinary life insurance人寿保险life insurance预定利率市场化Market—based Assumed Interest Rate 团险group insurance限期缴费终身寿险limited—payment whole life insurance 养老保险endowment insurance医疗保险insurance for medical care医疗费用保险medical expense insurance终身寿险whole life insurance准备金reserve伤残收入保险disability income insurance失能incapacity可变万能寿险Variable-universal life insurance可变年金Variable annuity评估价值Appraisal Value内含价值Embeded Value新业务价值Value of New Business税收优惠tax break税收递延型养老保险Deferred tax endowment insurance大病医疗保险Large quantity medical insurance分红保险Participating Insurance传统保险traditional insurance理财型保险 financial planning oriented insurance 投资连结寿险unit-linked life insurance4、保险偿付能力风险资本要求risk-based capital固定最低成本要求fixed minimum capital requirement保险偿付能力监管insurance solvency regulation保险监管信息系统Insurance Regulatory Information System 财务分析跟踪系统Financial Analysis Tracking System偿付能力 Solvency偿付能力不足 insolvent认可资产 admissible assets第二部分保险资产管理1、行业主体和监管保险资产管理insurance asset management保险法insurance law保险资产管理公司insurance asset management company中国人保集团Peop le’s Insurance Company of China（简称PICC）中国人保资产管理公司PICC Asset Management Company Limited慕尼黑再保险资产管理公司Munich ERGO Asset Management GmbH（简称MEAG）中国保监会China Insurance Regulatory Commission(简称CIRC）保险投资“新政”innovation policies in insurance investment可投资资产investable asset投资公司法案Investment Company Act2、委托受托关系委托人client受托人trustee委托管理mandate绝对收益absolute return相对收益relative return3、组合管理大类资产配置assets allocation战略资产配置Strategic Assets Allocation（简称SAA)战术资产配置Tactic Assets Allocation（简称TAA）流动性管理liquidity management资产负债管理Asset—Liability Management(简称ALM）久期匹配duration matching现金流匹配cash flow matching一般账户general account独立账户separate account4、类别投资固定收益投资fixed-income investment持有到期类资产held-to—maturity asset交易类资产trading asset可供出售类资产asset available for sale股票投资equity investment基金投资fund investment另类投资alternative investment境外投资overseas investment基础设施债权计划infrastructure debt investment plan 未上市企业股权投资private equity investment不动产投资real estate investment利率互换Interest Rate Swap（简称IRS）均值一方差分析the mean—variance method5、第三方业务财富管理wealth management第三方投资管理the third—party asset management 企业年金occupational annuity养老金pension集合投资产品collective investment fund。
人身保险中英对照
人身保险合同的常见条款1、不可抗辩条款Incontestable provision2、宽限期条款Grace period provision3、复效条款Reinstatement provision4、年龄误告条款Misstatement of age provision5、自杀条款Suicide clause6、贷款条款Policy loan provision7、自动垫缴保费条款Automatic premium loan provision8、不丧失的现金价值条款Non-forfeiture provision9、保单转让条款Policy assignment clause——绝对转让absolute assignment ——抵押转让collateral assignment10、受益人条款Beneficiary clause人身保险合同的选择权条款一、不丧失权益选择权条款Non-forfeiture benefits option clause1、退保金不丧失选择权Cash surrender value nonforfeiture option2、减额缴清保险不丧失选择权Reduced paid-up insurance nonforfeiture option3、展期保险不丧失选择权Extended term insurance nonforfeiture option二、红利选择权条款Dividend option clause1、现金红利选择权Cash dividend option2、抵减保费红利选择权Primium reduction dividend option3、累计利息红利选择权Accumulation at interest dividend option4、增额缴清保费红利选择权Paid-up additional insurance dividend option5、增额定期保险红利选择权Additional term insurance dividend option三、保险金给付选择权条款Settlement option provision四、保费交付选择权条款Premium payment option clause保障型人寿保险一、定期寿险Term life insurance1、定额定期寿险Level term life insurance2、减额定期寿险Decreasing term life insurance3、增额定期寿险Increasing term life insurance二、终身寿险Whole life insurance三、两全保险Endowment insurance●补充残疾给付——免缴保费Waiver of premium (WP)1、残疾免缴保费给付Waiver of premium for disability benefit2、投保人免缴保费给付Waiver of premium for payor benefit3、残疾收入给付Disability income benefit●寿险提前给付附约Accelerated death benefit riders1、终末疾病给付Terminal illness benefit2、重大疾病给付Dread disease benefit3、长期护理给付Long-term care benefit储蓄型人寿保险——年金保险趸缴年金Single premium-annuity期缴年金Periodical premium-annuity即期年金Immediate annuity延期年金Deferred annuity终身年金Life annuity——纯粹终身年金Straight life annuity——固定期终身年金Life income annuity with period certain——全额偿还终身年金Life income with refund annuity确定年金Annuity ceratin限期生存年金Temporary life annuity个人年金Personal annuity联合年金Joint annuity定额年金Fixed-benefit annuity变额年金Variable annuity准投资型的人寿保险——分红保险分红保险Participating contracts可分配盈余Distributable surplus●红利分配方式1、现金红利法Cash dividend approach2、增额红利法Additions to benefits approach投资型的人寿保险一、变额寿险Variable life insurance——单位基金连结保险（英）Unit-linked policy——权益连结保险（加）Equity-linked policy——投资连结保险（新、中）Investment-linked life insurance二、万能寿险Universal life insurance三、变额万能寿险Variable universal life insurance健康保险一、医疗保险Medical expence coverage——免赔额条款Deductible clause——共保条款Coinsurance provision●基本医疗保险Basic medical expense coverage1、门诊医疗保险2、住院医疗保险Hospital expense coverage3、手术医疗保险Surgical expense coverage4、综合医疗保险Comprehensive expense coverage●高额医疗保险Major medical insurance policy1、补充高额医疗保险Supplemental major medical policy2、综合高额医疗保险Comprehensive major medical policy●补充医疗保险Supplemental medical policy2。
保险的种类中英对照
保险的种类中英对照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。
接下来小编为大家整理了保险的种类中英对照，希望对你有帮助哦!boiler explosion insurance锅炉爆炸保险bond insurance债券保险bonding insurance保证保险broker insurance保险掮客building insurance建筑物保险burglary insurance盗窃保险accident insurance意外保险accident death insurance意外死亡保险accounts receivable insurance应收帐款保险additional insurance加保agricultural insurance农业保险air transport insurance空运保险air transportation cargo insurance空运货物保险aircraft hull insurance飞机机身保险aircraft passenger insurance飞机乘客保险all risks insurance综合保险annuity insurance年金保险automobile insurance汽车保险aviation insurance航空保险aviation liability insurance航空责任保险aviation personal accident insurance航空人身意外保险bad debt insurance坏帐保险baggage insurance行李保险bailee's customers insurance受托人代客保险basic insurance基本保险blanket insurance总括保险block insurance船舶保险business interruption insurance业务中断保险business liability insurance营业责任保险capital insurance资本保险cargo insurance货物保险cargo marine insurance海洋货运保险cargo transportation insurance货物运输保险carrier's liability insurance承运人责任保险cash messenger insurance现金运送保险casualty insurance不幸事故保险, 灾害保险cattle insurance家畜保险cede insurance分保child's insurance儿童保险civilliability insurance民事责任保险civil responsibility insurance责任保险collective insurance集体保险collective accident insurance集体灾害保险collision insurance碰撞保险commercial credit insurance商业信用保险commission insurance佣金保险compensation insurance职工赔偿保险comprehensive insurance综合保险, 全程保险compulsory insurance强制保险concurrent insurance同时保险consequential damage insurance间接损害保险consequential loss insurance间接损失保险consignment export insurance寄售输出保险consignment sale export insurance寄销出口保险consignment stock insurance寄销货物保险continued insurance继续保险convertible insurance转换保险cost and insurance成本加保险价credit insurance信用保险credit life insurance信用人寿保险(借款人死亡时, 应将赔偿金付给放款人)crop insurance作物保险damage insurance损失保险death insurance死亡保险deferred insurance搁置保险deposit insurance存款保险disability insurance残废保险disbursements insurance船舶费用保险domestic insurance家计保险domestic animal transportation insurance家畜运输保险double insurance双重保险duty insurance关税保险earthquake insurance地震保险economic policy insurance经济政策保险education insurance教育保险elevator liability insurance电梯责任保险employee's pension insurance职工退休养老保险employer's liability insurance雇主责任保险; 职工伤害保险employment insurance就业保险endowment insurance人寿定期保险, 养老保险, 储蓄保险endowment life insurance人寿定期保险engineering insurance工程保险erection insurance机器安装保险excess insurance超额保险exchange risk insurance外汇风险保险exhibition insurance展览保险expected profit insurance预期利润保险explosion insurance爆炸保险export insurance出口保险, 输出保险extended terms insurance延期保险external investment principal insurance国外投资本金保险facultative insurance临时保险family income insurance家庭收入保险farm insurance农业保险fermentation insurance发酵保险fidelity insurance职工忠诚保险fire insurance火灾保险, 火险fiscal insurance租税保险fixed term insurance定期保险flood insurance洪水保险forced insurance强制保险foreign exchange fluctuation insurance外汇波动保险fraternal insurance互助救济保险freight insurance运费保险frost insurance霜害保险full value insurance全值保险general average disbursement insurance共同海损费用保险general export insurance普通输出保险government employee insurance公务人员保险group insurance团体保险group life insurance团体人身保险guarantee insurance保证保险, 盗窃意外保险hail insurance雹害保险harvest insurance收获保险hazardous insurance危险物品保险health insurance健康保险hire purchase credit insurance租赁信用保险homeowner's insurance房主保险hospitalization insurance医疗保险hull insurance船舶保险, 运输工具保险hypothecation insurance抵押保险imaginary profit insurance预期利益保险immovable insurance不动产保险inconvertibility insurance国外投资本利不能兑换汇回保险increased value insurance增值保险individual accident insurance个人伤害保险industrial insurance工业保险inland marine insurance内陆水运保险invalid insurance伤残保险jewellery insurance珠宝保险jobless insurance失业保险joint insurance合伙保险, 联合保险joint stock insurance合股保险业label insurance标签保险labour insurance劳动保险land transit insurance陆运保险leasehold interest insurance租赁权益保险liability insurance责任保险life insurance人寿保险lighter insurance驳运保险livestock transit insurance活牲畜运输保险long life insurance长寿保险luggage insurance行李保险machinery insurance机器保险machinery breakdown insurance 机器损坏保险marine insurance海洋运输保险, 海上保险, 水险marine cargo insurance海运货物保险marine hull insurance船舶保险maritime insurance海洋运输保险maternity insurance生育保险medical expense insurance医疗费保险mixed insurance混合保险more specific insurance最特定保险mortality insurance死亡保险mortgage insurance不动产抵押借款保险motor car insurance汽车保险motor cycle insurance摩托车保险motor vehicle passenger insurance 汽车乘客保险movable insurance动产保险multiple-line insurance多种类保险业务mutual insurance相互保险national insurance国民保险, 国家保险national health insurance国民健康保险no-fault insurance无过失保险non-concurrent insurance不同时保险non-life insurance损害保险obligatory insurance强制保险ocean marine cargo insurance海洋运输货物保险old age insurance老年保险open cover cargo insurance预约货物保险单open policy insurance预约保险ordinary life insurance普通终身寿险overlapping insurance重复保险overseas insurance海外保险overseas travel sickness insurance 海外旅行疾病保险own insurance自己保险, 本身保险paid-up insurance保费已付足的人寿保险单parcel post insurance邮包保险partial insurance部份保险participating insurance由相互保险公司所出的分单保险, 其利润将来仍退给投保人passenger insurance旅客保险pensions insurance抚恤金保险perpetual insurance终身保险personal insurance人身保险petty insurance小额保险plate glass insurance玻璃保险pluvious insurance雨水保险, 雨淋保险postal insurance简易保险power interruption insurance电流中断保险preliminary term insurance初期保险, 持续保险premium insurance保险费prepaid insurance预付保险费保险primary insurance优先保险product liability insurance产品责任保险professional liability insurance 职业责任保险profit insurance利润保险property insurance财产保险proprietary insurance营业保险provisional insurance暂时保险public liability insurance公众损害保险, 公共责任保险pure endowment insurance 生存保险, 养老保险rain insurance雨害保险reduced paid-up insurance减额支付保险registered mail insurance挂号邮件保险rent insurance房租保险replacement insurance重置或修复保险residence insurance住家保险retirement income insurance退休收入保险river hull insurance内河船舶保险river transportation insurance内河运输保险robbery insurance盗劫保险shipping insurance船运保险sickness insurance疾病保险social insurance社会保险specific insurance特定保险state insurance国家保险storm and tempest insurance暴风雨保险straight life insurance终身保险strike expenses insurance罢工追加费用保险subsidiary insurance附属保险supplementary insurance追加保险survivorship insurance共有财产中归后死者所得的联合保险term insurance定期保险theft insurance盗窃保险time insurance定期保险time hull insurance船舶定期保险title insurance产权保证保险tourist luggage insurance旅客行李保险transit insurance内陆运输保险traveller's accident insurance 旅客意外保险trust insurance信托保险unemployment insurance失业保险unexpired insurance未到期保险use and occupancy insurance 固定开支保险voluntary insurance自愿保险voyage insurance航次保险waiting insurance停止保险war risk insurance战争险, 兵险water pipe insurance水管保险whole life insurance终身保险windstorm insurance风暴险workmen's insurance工人保险workmen's compensation insurance劳工保险yacht insurance游艇保险insurance for adult成人保险insurance for medical care医疗保险insurance of export-import goods进出口货物保险insurance of valuables贵重物品保险insurance or guarantee of private loans私人贷款保险或担保保险的种类中英对照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。
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人身保险合同的常见条款
1、不可抗辩条款Incontestable provision
2、宽限期条款Grace period provision
3、复效条款Reinstatement provision
4、年龄误告条款Misstatement of age provision
5、自杀条款Suicide clause
6、贷款条款Policy loan provision
7、自动垫缴保费条款Automatic premium loan provision
8、不丧失的现金价值条款Non-forfeiture provision
9、保单转让条款Policy assignment clause
——绝对转让absolute assignment ——抵押转让collateral assignment
10、受益人条款Beneficiary clause
人身保险合同的选择权条款
一、不丧失权益选择权条款Non-forfeiture benefits option clause
1、退保金不丧失选择权Cash surrender value nonforfeiture option
2、减额缴清保险不丧失选择权Reduced paid-up insurance nonforfeiture option
3、展期保险不丧失选择权Extended term insurance nonforfeiture option
二、红利选择权条款Dividend option clause
1、现金红利选择权Cash dividend option
2、抵减保费红利选择权Primium reduction dividend option
3、累计利息红利选择权Accumulation at interest dividend option
4、增额缴清保费红利选择权Paid-up additional insurance dividend option
5、增额定期保险红利选择权Additional term insurance dividend option
三、保险金给付选择权条款Settlement option provision
四、保费交付选择权条款Premium payment option clause
保障型人寿保险
一、定期寿险Term life insurance
1、定额定期寿险Level term life insurance
2、减额定期寿险Decreasing term life insurance
3、增额定期寿险Increasing term life insurance
二、终身寿险Whole life insurance
三、两全保险Endowment insurance
●补充残疾给付——免缴保费Waiver of premium (WP)
1、残疾免缴保费给付Waiver of premium for disability benefit
2、投保人免缴保费给付Waiver of premium for payor benefit
3、残疾收入给付Disability income benefit
●寿险提前给付附约Accelerated death benefit riders
1、终末疾病给付Terminal illness benefit
2、重大疾病给付Dread disease benefit
3、长期护理给付Long-term care benefit
储蓄型人寿保险——年金保险
趸缴年金Single premium-annuity
期缴年金Periodical premium-annuity
即期年金Immediate annuity
延期年金Deferred annuity
终身年金Life annuity
——纯粹终身年金Straight life annuity
——固定期终身年金Life income annuity with period certain ——全额偿还终身年金Life income with refund annuity
确定年金Annuity ceratin
限期生存年金Temporary life annuity
个人年金Personal annuity
联合年金Joint annuity
定额年金Fixed-benefit annuity
变额年金Variable annuity
准投资型的人寿保险——分红保险
分红保险Participating contracts
可分配盈余Distributable surplus
●红利分配方式
1、现金红利法Cash dividend approach
2、增额红利法Additions to benefits approach
投资型的人寿保险
一、变额寿险Variable life insurance
——单位基金连结保险（英）Unit-linked policy
——权益连结保险（加）Equity-linked policy
——投资连结保险（新、中）Investment-linked life insurance
二、万能寿险Universal life insurance
三、变额万能寿险Variable universal life insurance
健康保险
一、医疗保险Medical expence coverage
——免赔额条款Deductible clause
——共保条款Coinsurance provision
●基本医疗保险Basic medical expense coverage
1、门诊医疗保险
2、住院医疗保险Hospital expense coverage
3、手术医疗保险Surgical expense coverage
4、综合医疗保险Comprehensive expense coverage
●高额医疗保险Major medical insurance policy
1、补充高额医疗保险Supplemental major medical policy
2、综合高额医疗保险Comprehensive major medical policy
●补充医疗保险Supplemental medical policy。