人身保险中英对照

人身保险合同的常见条款

Incontestable provision Grace period provision Reinstatement provision Misstatement of age provision Suicide clause Policy loan provision

Automatic premium loan provision Non-forfeiture provision Policy assignment clause 抵押转让 collateral assignment Beneficiary clause

人身保险合同的选择权条款

Non-forfeiture benefits option clause Cash sunender value

nonforfeiture option Reduced paid-up insurance nonforfeiture option Extended term insurance nonforfeiture option Dividend option clause Cash dividend option

Primium reduction dividend option Accumulation at interest dividend

option Paid-up additional insurance dividend option Additional term insurance dividend option Settlement option provision Premium payment option clause

保障型人寿保险

Term life insurance

Level term life insurance

Decreasing term life insurance Increasing term life insurance Whole life insurance Endowment insurance Waiver of premium (WP)

Waiver of premium for disability benefit

Waiver of premium for payor benefit Disability income benefit Accelerated death benefit riders

Terminal illness benefit Dread disease benefit Long-term care benefit

1、 不可抗辩条款

2、 宽限期条款

3、 复效条款

4、 年龄误告条款

5、 自杀条款

6、 贷款条款

7、 自动垫缴保费条款 8、 不丧失的现金价值条款 9、 保单转让条款

--- 绝对转让 absolute assignment

—、不丧失权益选择权条款

1、 退保金不丧失选择权

2、 减额缴清保险不丧失选择权

3、 展期保险不丧失选择权

二、 红利选择权条款

1、 现金红利选择权

2、 抵减保费红利选择权

3、 累计利息红利选择权

4、 增额缴淸保费红利选择权

5、 增额怎期保险红利选择权

三、 保险金给付选择权条款

一、 泄期寿险

1、 定额定期寿险

2、 减额左期寿险

3、 增额圮期寿险

二、 终身寿险 三、 两全保险 •

补充残疾给付一一免缴保费

1、 残疾免缴保费给付

2、 投保人免缴保费给付

3、 残疾收入给付

• 寿险提前给付附约

1、 终末疾病给付

2、 重大疾病给付

储蓄型人寿保险一年金保险

崑缴年金

期缴年金

即期年金

延期年金

终身年金

——纯粹终身年金

——固泄期终身年金

——全额偿还终身年金确泄年金

限期生存年金

个人年金

联合年金

左额年金

变额年金

Single premium-annuity

Periodical premium-annuity Immediate annuity

Deferred annuity

Life annuity

Straight life annuity

Life income annuity with period certain

Life income with refund annuity Annuity

ceratin

Temporary life annuity

Personal annuity

Joint annuity

Fixed-benefit annuity

Variable annuity

准投资型的人寿保险一分红保险

分红保险可分配盈余• 红利分配方式

1、现金红利法

2、增额红利法

Participating contracts

Distributable surplus

Cash dividend approach Additions to benefits

approach

投资型的人寿保险

一、变额寿险

——单位基金连结保险（英）——权益连结保险（加）——投资连结保险（新、中）

二、万能寿险

三、变额万能寿险

Variable life insurance

Unit-linked policy

Equity-linked policy

Investment-linked life insurance

Universal life insurance

Variable universal life insurance 健康保险

一、医疗保险

——免赔额条款——共保条款

• 基本医疗保险Medical expence coverage Deductible clause

Coinsurance provision

Basic medical expense coverage

1、门诊医疗保险

2、住院医疗保险

3、手术医疗保险

4、综合医疗保险• 高额医疗保险

1、补充高额医疗保险

2、综合高额医疗保险Hospital expense coverage

Surgical expense coverage Comprehensive expense coverage Major medical insurance policy Supplemental major medical policy Comprehensive major medical policy

• 补充医疗保险Supplemental medical policy