保險英語詞匯-復(fù)習(xí)

1、.PAGE ：.；PAGE 7復(fù)習(xí) 保險英語復(fù)習(xí)概要不保證一定考， 也不保證不考 保險利益原那么 principle of insurable interest 損失補償原那么 principle of indemnity 代位求償原那么 principle of subrogation 最大誠信原那么 principle of utmost good faith 近因原那么 principle of proximity 風(fēng)險分擔(dān) risk-sharing/risk-pooling 分散風(fēng)險 spreading risk保險人 insurer/ underwriter投保人 insurance

2、 applicant被保險人 Insured受害人 beneficiary保險代理人 insurance agent保險經(jīng)紀(jì)人 insurance broker保險公估人 insurance surveyor/ adjuster/appraiser 保險條款 insurance clause/ treatment 不可抗辯條款 incontestable clause 保費 premium 保險標(biāo)的 subject matter of insurance 保險價值 insured value/ 1 保險索賠 claim 告知 representation 聲明 declaration 誤告 m

3、isrepresentation 死亡表 life table/ mortality tableRate-making 費力厘定Occupancy 用途Construction 構(gòu)造Protection 防護Location 位置 大數(shù)法那么 law of large numbers效應(yīng)實際 utility theory毛保費 gross premium純保費 net premium附加保費 loading premium平衡保費 level premium 躉繳保費 lump sum premium/single premium預(yù)備金 reserve現(xiàn)金價值 cash value附加條款 r

4、ider 保險期間 insurance period 保額 amount of insurance 保險索賠 claim 保險責(zé)任受保范圍 coverage 除外責(zé)任 exclusion 保證 warranty 隱瞞 concealment 要約 offer 反要約 counteroffer保單不喪失權(quán)益nonforfeiture benefits延期定期壽險 deferred term life insurance兩全保險 endowment life insurance萬能壽險 universal life insurance分紅壽險 participating life insuranc

5、e紅利 dividend養(yǎng)老金 pension結(jié)合人壽joint life投連險 unit-linked life insurance定期壽險 term life insurance終身壽險 whole life insurance變額萬能壽險 variable universal life insurance年金壽險 annuity life insurance財富保險 Property & casualty insurance 巨災(zāi)保險 catastrophe insurance /Act of God insurance艱苦疾病保險 critical illness/dreadful i

6、llness insurance不測保險 accidental insurance反復(fù)保險 double insurance投保單 application form/proposal form保單 insurance policy暫保單 binding slip/cover note批單 endorsement 保險憑證小保單 certificate of insurance保單持有人 policyholder/policyowner再保險 Reinsurance分出公司 ceding company分入公司 ceded company國有保險公司 state-owned insurance

7、company股份制保險公司 stock-based insurance company自保公司 captive company相互保險公司 mutual company協(xié)作保險公司 cooperative company互助保險公司 fraternal companyRisk a measure of possible variation of economic outcomes. Hazard a condition that increases the chance of loss due to a peril Peril risk event or risk incident whic

8、h refers to a possible cause of loss. Exposure to risk a situation created whenever an act gives rise to possible gain or loss that cannot be predicted Cost of risk the cost imposed upon organizations because of the presenceof risk.Asymmetric information one party of insurance contract possesses mor

9、e knowledge than the other. Moral Hazard a potential cost of insurance in which the presence of insurance increases the tendency for losses to occur through careless, irresponsible, or perhaps illegal behavior. Adverse selection a potential effect of insurance whereby worse-than-average risks are li

10、kely to buy insurance1. 財富保險的定義有狹義和廣義之分。 Property insurance can refer to two kinds of definition, viz. property & casualty insurance in a narrow sense and broad sense. 2.按保險價值分類，財富保險可分為定值保險和不定值保險。 In conformity to the insurance value, property insurance can be classified into fixed value and unfixed

11、 value insurance. 3.自然災(zāi)禍包括雷、電、暴風(fēng)雨、冰雹、洪水、潮浪、海嘯、大風(fēng)暴、臺風(fēng)、旋風(fēng)、龍卷風(fēng)、颶風(fēng)、山崩、雪崩、地陷、地震、地下火，以及火山噴發(fā)等等。這些都能夠?qū)ω敻缓浅夂甏髶p毀或人身傷亡。 Natural disasters comprise thundering, lightning, rainstorm, hail, floods, tidal wave Tsunami, Tempest, typhoon, cyclone, tornado, hurricane ，rockslide, avalanche, subsidence of ground, earth

12、quake , subterranean fire, volcanic eruption and so forth, all of which may give rise to innumerable cases of loss to properties or death or personal injury.4.保險的根本原理是分散風(fēng)險。 The basic tenet of insurance is spreading of risk. 5.同一利益投保了兩張或多張保單稱為反復(fù)保險。 Double insurance means that teo or more policies are

13、 effected on the same interest.6.保險的重要作用對社會群眾來說是顯而易見的。 The important role of insurance is apparent to the social public.7.俗話說， 天有不測風(fēng)云， 人有旦夕禍福。As the saying goes, in nature there are unexpected storms and in life there are unpredictable vicissitudes.8. 免賠額是指保單中規(guī)定的某一金額或百分比，賠額必需超越該金額或百分比時方予賠償。Deduction

14、 denotes an amount or percentage specified in the policy which must be exceeded before a claim is payable.9. 機動車輛保險標(biāo)的主要是車身和第三者責(zé)任。The subject-matter of motor vehicle insurance is motor vehicle and third party liability in the main.10. 任何保險文件， 如保險契約、保單、保險憑證、暫保單的變動或補充都可以經(jīng)過背書辦理。Any amendment or addition

15、 to a existing insurance document such as an insurance contract, policy, insurance certificate or cover note can be made by endorsement.11. 損失的能夠性越大，交納的保險費就越多。The more probable the loss, the greater the premium will be.風(fēng)險成為可保風(fēng)險的條件what makes a risk insurable？It should be economically feasible.The eco

16、nomic value of the insurance should be calculable.The loss must be definite.The loss must be random in nature.The exposure in any rate class must be homogenous.Exposure units should be spatially and temporally independent.風(fēng)險應(yīng)該經(jīng)濟上可行經(jīng)濟價值可以計算的損失是有限的損失是隨機的風(fēng)險在任何一類風(fēng)險中是同質(zhì)的風(fēng)險單位是暫時的在空間上獨立。 財富風(fēng)險(property risk

17、) All business and individuals that own, rent, or use property are exposed to the risk that property may be damaged, destroyed. or stolen. Property owned or used outside of the building may also be susceptible to loss. Typical examples include trucks, automobiles, and mobile equipment. To fully analyze property risk exposures, businesses must consider both the types of property susceptible to loss and the potential sources of such risk. Sources of risk include not only fire