保險英語常用詞匯

1、保險英語常用詞匯insure 保險；投保；保證insurance 保險；保險費；保險金額underwriters 保險商（指專保水險的保險商）保險承運人insurance company 保險公司insurer 保險人insurance broker 保險經(jīng)紀人insurance underwriter 保險承保人insurance applicant 投保人insurant, the insured 被保險人，受保人to cover (effect,arrange,take out) insurance 投保insurance coverage;risks covered 保險范圍insur

2、ance slip 投保單insured amount 保險金額insurance against risk 保險insurance clause 保險條款insurance instruction 投保通知insurance business 保險企業(yè)insurance conditions 保險條件PICC (Peoples Insurance Company of China) 中國人民保險公司risk insured, risk covered 承保險項risk 險別to provide the insurance 為.提供保險leaflet 說明書fine print 細則insur

3、ance expense 保險費premium rate 保險費率premium 保險費insurance rate 保險費率表insurance proceeds 保險金（保險收入）insurance free of (from) particular average (FPA). 平安險（單獨海損不賠）insurance with particular average (WPA), basic risks. insurance against all risks. 綜合險，應(yīng)保一切險risk of breakage 破碎險risk of clashing 碰損險risk of rust 生

4、銹險risk of hook damage 鉤損險risk of contamination (tainting) 污染險insurance against total loss only (TLO) 全損險risk of deterioration 變質(zhì)險risk of packing breakage 包裝破裂險risk of inherent vice 內(nèi)在缺陷險risk of normal loss (natural loss)? 途耗或自然損耗險risk of spontaneous combustion 自然險risk of contingent import duty 進口關(guān)稅險

5、insurance against war risk 戰(zhàn)爭險Air Transportation Cargo War Risk 航空運輸戰(zhàn)爭險overland Transportation Insurance War Risk 陸上運輸戰(zhàn)爭險insurance against strike, riot and civil commotion (SRCC) 罷工，暴動，民變險insurance against extraneous risks, insurance against additional risks 附加險risk of theft, pilferage and nondelive

6、ry (TRND) 盜竊提貨不著險risk of fresh and/of rain water damage(wetting) 淡水雨淋險risk of leakage 滲漏險risk of shortage in weight/quantity 短量險risk of sweating and/or heating 受潮受熱險risk of bad odour(change of flavour) 惡味險，變味險risk of mould 發(fā)霉險on deck risk 艙面險ocean marine cargo insurance clauses 海洋運輸貨物保險條款transportat

7、ion insurance 運輸保險overland transportation insurance, land transit insurance 陸上運輸保險insurance against air risk, air transportation insurance 航空運輸保險parcel post insurance 郵包運輸保險ocean marine cargo insurance, marine insurance 水險（海運貨物保險）All Risks 一切險average 海損Particular Average (P.A) 單獨海損General Average (G

8、.A) 共同海損Marine Losses 海損partial loss 部分損失total loss 全部損失health insurance 疾病保險，健康保險sickness insurance 疾病保險insurance for medical care 醫(yī)療保險major medical insurance policy 巨額醫(yī)藥費保險insurance during a period of illness 疾病保險life insurance 人壽保險endowment insurance 養(yǎng)老保險insurance on last survivor 長壽保險to purchase

9、 health insurance 購買健康保險to have a health insurance policy 購買健康保險Additional Words and Phrasespolicy-holder 保險客戶extra premium 額外保險費additional premium 附加保險費保險英語詞匯Aabandonment 委付abandonment clause 委付條款accident 意外事故accounting period 結(jié)算期act of god 不可抗力actual total loss 實際全損actuarial method 精算法actuary 保險精算

10、師additional premium 附加保險費additional risk 附加險advance profit 預(yù)期利潤aggregate limit 累積限額aggregated loss 累積損失all-risks policy 一切險保單antis election 逆選擇applicant 投保人application 投保單approved 承保assignment clause 轉(zhuǎn)讓條款average 海損、海損分攤average adjuster 海損理算人average clause 共同海損分擔條款保險英語詞匯Bbalance 所欠款項beneficiary 受益人bi

11、nder 暫保單binding slip 暫保單breakage of packing 包裝破碎險broker 經(jīng)紀人保險英語詞匯Ccapacity 承保能力captive 自保公司captive pools 自保組合cargo damage adjustment 貨損理算cargo damage inspection 貨損檢驗cargo damage prevention 貨損預(yù)防cargo damage report 貨損報告cargo damage survey 貨損檢查，貨物損壞檢驗cargo insurance premium 貨物保險費cargo insurance rate 貨物

12、保險費率cargo insurer 貨物承保人cargo policy 貨物保單，貨物保險單cargo premium 貨運保險費，貨物保險費cargo underwriter 貨物保險承保人（商），貨險承保人，貨物承保人cash loss 現(xiàn)金賠款cash value 現(xiàn)金價值catastrophe 巨災(zāi)catastrophe excess of loss（CXL） 巨災(zāi)超賠巨災(zāi)超賠分保categories of insurance 保險類別ceding company 分出公司ceding(insurance)company 分保公司ceding, retrocession(for rei

13、nsurance) 分保certificate of cargo damage 貨損證明certificate of insurance 保險證明、保險憑證cession limit 分保限額China Insurance Clause (CIC) 中國保險條款claim 索賠claim assessor 索賠人claim settlement 理賠claim-prone 容易出險claims and arbitration 索賠與仲裁claims assistance 理賠協(xié)助clash and breakage 碰損，破碎險clean cut 結(jié)清方式coinsurance 共保co-in

14、surance 共同保險co-insurance company 共同保險公司combined ratio 綜合賠付率commencement and termination 起訖concurrent insurance 同時保險consequential loss (CL) 后果損失constructive total loss 推定全損contingent liquidity 或有流動性continued insurance 繼續(xù)保險co-related risks 關(guān)聯(lián)風險cover 承保、責任額cover note 保險證明書,承保單，保險證明cover note 暫保單（證明同意承保

15、的臨時文件）coverage 受保范圍保險英語詞匯Ddamage 損壞賠償金damage cargo clerk 理殘員，貨損管理員damage cargo list 貨損單，殘貨單damage certificate 損壞證明書damage claim 損壞索賠damaged by other cargo 由其他貨物損害damaged cargo list 受損貨物單damaged cargo report 受損貨物報告書，貨物損害報告deductibles 免賠額deposit premium 預(yù)付保費destroyed 毀壞disbursement policy (船舶)駛費保險單div

16、idend system 紅利制度double insurance 雙保險dual valuation clause 雙重價值條款 保險英語詞匯Eemployer 業(yè)主Endorsement 批單endorsement: 簽注endowment insurance 養(yǎng)老保險endowment policy 人壽定期保險單event limit 事件限額ex gratia payments 通融賠款excess loss 超額賠款excess of loss cover 超額賠償excess of loss（XL) 超賠分保exclusion 除外責任EXL protection 超賠保障exp

17、osed areas 風險承受區(qū)域exposure rating 風險評估extended-term insurance 過期保險extra charges 額外費用extra premium 額外保險費extraneous risks (additional risks) 附加險 保險英語詞匯Ffacultative business 臨分保facultative reinsurance 臨時分保fault liability 過失責任financial quota shares 成數(shù)分保fine print 細則finite risk 有限制的風險finite risk transfer

18、有限風險轉(zhuǎn)移floating policy 浮動保險單franchise (deductible) 免賠額；免賠率free of all average (FAA) 全損賠償freight insurance 運費保險freight policy 運費保險單full coverage 全額承保full insurance 全額保險full insurance value 足額保險價值full liability 全部責任 保險英語詞匯Ggeneral average（GA） 共同海損grace period 寬限期gross net premium income（GNPI） 總凈保費收入gro

19、up insurance 團體保險guarantee of insurance 保險擔保書 保險英語詞匯Hhazard 危險因素health insurance 疾病保險，健康保險heavy damage 嚴重破壞holistic risk transfer 整體風險轉(zhuǎn)移hook damage 勾（鉤）損險hour clause 小時條款保險英語詞匯IIBRN reserve 已發(fā)生但未報的損失儲備金，IBRN儲備金import cargo insurance 進口貨物保險increased value clause 增值條款increased value insurance 增值保險incr

20、easing coverage, extending coverage 加保Incurred but not reported losses(IBRN) 已發(fā)生但未報的損失indemnity limit 賠償期限indemnity period 賠償期individual losses 單一損失industrial insurance 產(chǎn)業(yè)保險inflated claim 超額索賠inherent nature of cargo 貨物的固有性inherent vice 內(nèi)在缺陷inherent vice of cargo 貨物固有缺陷inspection of cargo 積貨鑒定，貨物檢驗，

21、檢查貨物inspection of cargo GA or PA 海損(單獨海損或共同海損)鑒定inspection on damaged cargo 貨物殘損檢驗installment insurance 分期付款保險Institute Cargo Clauses (ICC，I.C.C.) 協(xié)會貨物（保險）條款insurability 可保性insurance 保險，保險費，保險金額insurance act 保險條例insurance against risk 保險insurance agent(s) 保險代理，保險代理人insurance amount 保險金額保險額insurance

22、applicant 投保人insurance assessor 保險公估人insurance broker 保險經(jīng)紀人insurance business 保險企業(yè)保險業(yè)insurance capacity 承保能力insurance certificate 保險憑證保險證書insurance claim 保險索賠insurance clause 保險條款insurance commission 保險傭金insurance company 保險公司insurance conditions 保險條件保險契約約定條款insurance contract 保險合同insurance corporat

23、ion 保險公司insurance coverage 保險范圍，保額insurance declaration sheet(bordereau) 保險申報單(明細表)insurance division 保險部insurance document 保險單據(jù)insurance expense 保險費insurance fond 保險基金insurance industry 保險業(yè)insurance instruction 投保通知，投保須知insurance law 保險法insurance on last survivor 長壽保險insurance period 保險期限insurance

24、policy 保險單保單insurance premium 保險費insurance proceeds 保險金（保險收入）,保險賠償金，保險賠款insurance rate 保險費率表insurance securitization 保險證券化insurance slip 投保單投保申請書insurance subject 保險標的insurance treaty 保險合同insurance underwriter 保險承保人insurance value(insurance amount) 保險金額insurant 被保險人，受保人insure 保險、投保、保證insured 被保險人ins

25、ured amount 保險金額insured loss 保險損失insured property 參保物業(yè)Insured Value 保險價值insurer 保險人、保險公司，保險商insurer (underwriter) 承保人、保險人investment insurance 投資保險保險英語詞匯J-LJjettison 投棄Llaw of insurance 保險法law of large numbers 大數(shù)法則leaflet 說明書less exposed 損失可能性小letter of guarantee 保函，保證書liability 責任liability insurance

26、 責任保險license bond 執(zhí)照保險life assured 人壽保險投保人life expectancy 平均余命life fund 人壽保險基金life insurance 人壽保險life insurance actuary 人壽保險精算師life insurance reserve 人壽保險責任準備金life Table 生命表light damage 輕度破壞limits 投保限額line slips 分保條liquidity support 提供流動資金Lloyd 勞合社loading 附加費loading 人壽保險附加費loss adjuster 損失理算人loss oc

27、currence 損失發(fā)生loss occurring basis 損失發(fā)生基礎(chǔ)loss of profit 利損險loss participation 分擔損失loss ratio 損失率loss ratio 賠付率loss settlement 損失賠付保險英語詞匯Mmail contractor 承包商main risks 主險maintenance 保證期malicious damage 惡意損害marine insurance 海上運輸保險，水險marine losses 海損medical insurance 醫(yī)療保險mortality tables 死亡率表（用于計算保險風險）m

28、ultiple claim 多次（重復(fù)）索賠multiple insurance 重復(fù)保險mutual insurance 相互保險mutual insurance company 相互保險公司 保險英語詞匯NNatCat pooling 自然災(zāi)害共保natural catastrophe（NatCat） 自然災(zāi)害natural premium 自然純保費net retained lines 凈自留額net retained losses 損失凈自賠額no profit commission 無純益風險no-claims bonus 無索償獎金non-life 非壽險non-proportio

29、nal reinsurance 非比例再保險notification 告知 保險英語詞匯Oobject 標的obligatory reinsurance 固定分保ocean marine cargo clauses 海洋運輸貨物保險條款on deck risk 艙面險open policy 預(yù)約保險單open policy insurance 預(yù)約保險original deductibles 原始免賠額original rate 原始費率over insurance 超額保險overland （transportation） insurance 陸上運輸保險 保險英語詞匯Pparcel pos

30、t insurance 郵包運輸保險partial loss 部分損失particular average (PA) 單獨海損peril 危險、危險事故perils of the sea 海上風險permit bond 許可證保險placement 安排policy 保單、保險單、保險契約policy holder 保險客戶保險單持有人policy package 承保多項內(nèi)容的保險單policy proof of interest 保險單權(quán)益證明policy reserves 保險單責任準備金policy-holder 保險客戶policyholder 保單持有者policy-holder

31、保險客戶pool 共保組合、合保pool 聯(lián)營pool administrator 共保組合管理人portfolio entry 未滿期責任的出帳portfolio outgo 未滿期責任的入帳possible maximum loss（PML） 可能最大損失post-financing 后融資post-funding 后融資pre-financing 先融資pre-funding 先融資premium 保險費premium rate 保險費率premium rebate 保險費回扣previous losses 既往損失primary insurance company 原保公司、主保險商p

32、rincipal 業(yè)主principle of compensation 補償原則priority 分保自留額、自付責任priority (deductible) 優(yōu)先（免賠額)proceeds 收益professional 專業(yè)險profit margin 利潤邊際property 財產(chǎn)險property covered 受保財產(chǎn)property insurance 財產(chǎn)保險proportional cover 比例分保proportional reinsurance 比例再保險proximate cause 近因punitive damage 懲罰性損害pure endowments 定期

33、生存保險pure risk 純粹危險保險英語詞匯R rain insurance 雨水保險rainstorm 雨暴rate 費率rating 費率recovery 追償金reinstate 復(fù)效reinstated 繼單reinstatement 恢復(fù)保額reinstatement value insurance 重置價值保險reinsurance 分保、再保險、轉(zhuǎn)保reinsured 分出公司reinsurer 分保人（分保公司）、再保險人rejection risk 拒收險renew coverage 續(xù)保renewal 續(xù)保；延期renewal premium 續(xù)保費renewing coverage 續(xù)保reserve 準備金retention 自留、自留額return period 重現(xiàn)期revoke license 吊銷營業(yè)執(zhí)照riot insurance 騷亂保險risk 險別、風險、保險，保險額risk carrier 風險承擔人risk co