保险英语词汇合集acceptance policy 核保政策
accounting period 结算期
aggregate limit 累积限额
aggregated loss 累积缺失
antiselection 逆选择
ART (Alternative Risk Transfer) 新型风险转移
balance 所欠款项
barrages 堰坝
captive pools 自保组合天下金融网
catastrophe risk 巨灾风险
ceiding company 分出公司
cession limit 分保限额
claim-prone 容易出险
claims assistance 理赔协助
clean cut 结清方式
coinsurance 共保
commencement and termination 起讫
cover 承保
cover 责任额
deposit premium 预付保费
destroyed 毁坏
earth caves 土坏房屋
EPA event limit 事件限额
ex gratia payments 通融赔款
excess loss 超额赔款
exclusion 除外责任
exposed areas 风险承担区域facultative reinsurance 临时分保fault zone 断层区
finite risk 有限制的风险
flash floods 骤发洪水
flooding of rivers 洪水泛滥
frame structure 框架结构
full coverage 全额承保
full insurance value 足额保险价值full liability 全部责任
Geophysics Institute 地球物理研究所GNPI 总净保费收入
hailstorm 雹暴
heavy damage 严峻破坏
hollow brick wall 空斗砖结构
hour clause 小时条款
hurricane 飓风
individual losses 单一缺失insurability 可保性
insured losses 保险缺失
intensity 烈度
layering 层次
less exposed 缺失可能性小
liability 责任
light damage 轻度破坏
line slips 分保条
loading 附加费
loss occurrence 缺失发生
loss occurring basis 缺失发生基础loss participation 分担缺失
loss settlement 缺失赔付magnitude 震级
malicious damage 恶意损害moderate damage 中度破坏
multi-story building 多层建建筑Munich Re 慕尼黑再
net retained lines 净自留额
net retained losses 缺失净自赔额no profit commission 无纯益风险
non-proportional reinsurance 非比例再保险notification 告知
object 标的
obligatory reinsurance 固定分保
original deductibles 原始免赔额
original rate 原始费率
paid-up capital 已付资本
peak accelerator 峰值加速度
peril 危险
PICC Re 中保再
placement 安排
PML 可能最大缺失
policyholder 保单持有者
pool 共保组合
portfolio entry 未满期责任的出帐
portfolio outgo 未满期责任的入帐
premium 保费
previous losses 既往缺失
priority 分保自留额
priority 自付责任
proportional reinsurance 比例再保险rainstorm 雨暴
rating 费率
reinforced concrete building 钢筋混凝土建筑reinstatement 复原保额
reinsured 分出公司
reinsurer 再保险人
retention 自留额
retention areas 滞洪区
return period 重现期
revoke license 吊销营业执照
seaquake 海震
second event cover 第二事件承保securitization 证券化
seismic demage 震害
set-off 抵销
shear wall structure 剪力墙结构
single 险位超赔
spread loss 分散风险
stop loss 赔付率超赔
storm surges 风暴潮
susceptibility of goods to water 易受水浸性tarrif 费率表
TG 拐点周期
tidal wave 海啸
topographic map 地势图
tornado 龙卷风
total sum insured 总保额
treaty-limits 合约限额
tube structure 筒体结构
underwriting policy 承保政策
windstorm 风暴
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
"major medical" insurance policy 巨额医药费保险life insurance 人寿保险
endowment insurance 养老保险
insurance on last survivor 长寿保险
social insurance 社会保险
personal property insurance 个人财产保险insurance of contents 家庭财产保险
Free from Particular Average（F.P.A.）平安险
With Particular Average （W.P.A.）水渍险
All Risks 一切险
risk of breakage 破裂险
risk of clashing 碰损险
risk of rust 生锈险
risk of hook damage 钩损险
risk of contamination (tainting) 污染险
insurance against total loss only (TLO) 全损险
risk of deterioration 变质险
risk of packing breakage 包装破裂险
risk of inherent vice 内在缺陷险
risk of normal loss (natural loss) 途耗或自然损耗险
risk of spontaneous combustion 自然险
risk of contingent import duty 进口关税险
insurance against war risk 战争险
Air Transportation Cargo War Risk 航空运输战争险
overland Transportation Insurance War Risk 陆上运输战争险
insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险insurance against extraneous risks, insurance against additional risks 附加险risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险
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
保险业词汇
Terms used in insurance industry accident 意外事故险actuarial method 精算法
Advance Loss Profits (ALOP) 预期利润缺失险，利损险Advance profit 预期利润
broker 经纪人
Business Interruption Insurance (BI) 营业中断险captive 自保公司
casualty 意外损害险
catastrophe 巨灾险
ceding company 分出公司
claim 索赔
claim settlement 理赔
combined ratio 综合赔付率
Consequential Loss (CL) 后果缺失
Contractor's All Risks (CAR) 建筑工程一切险（建工险）cover 保证
Delay in completion 完工延误
EEI 电子设备险
engineering insurance 工程保险
Erection All Risks (EAR) 安装工程一切险（安工险）excess of loss cover 超额赔偿
EXL protection 超赔保证
facultative business 临分保
IBRN Incurred but not reported losses 已发生但未报的缺失IBRN reserve IBRN 储备金
indemnity period/limit 赔期/期限
inflated claim 超额索赔
insurance capacity 承保能力
insured property 参保物业
Kobe 神户
Lloyd 劳合社
long-tail 长尾
Loss of profit 利损险
Machinery (Breakdown) Insurance 机器（损坏〕险，机损险mail/sub-contractor 主/分承包商
maintenance 保证期
multiple claim 多次（重复）索赔
non-life 非寿险
officer & director liability 雇主保险outstanding claim reserve 未决索赔预备金
PC industry property & catastrophe industry peril 危险
policy 保单
pool 联营
possible maximum loss 可能的最大缺失
premium 保费
primary insurance company 原保公司、主保险商principal/employer 业主
professional 专业险
profit margin 利润边际
property 财产险
proportional cover 比例分保
punitive damage 惩处性损害
rate 费率
reinsurer 分保人（分保公司）
reinsurer 再保人
reserve 预备金
retention 自留
return period （巨灾）间隔期
short-tail 短尾
solvency margin 赔偿能力
standing charges 坚持费用
subject insured 风险标的
sum insured 保额
tarrif zone 险区
Third Party Liability (TPL) 第三者责任险treaties business 合同分保
turnover 营业额
underwriting 承保天下金融网
working expenses /cost 营业费用
writing 承保
保险英语，保险词汇共享： acceptance policy 英文翻译：核保政策accounting period 英文翻译：结算期aggregate limit 英文翻译：累积限额aggregated loss 英文翻译：累积损失antiselection 英文翻译：逆选择 ART (Alternative Risk Transfer)英文翻译：新型风险转移 balance 所欠款项 barrages 堰坝 captive pools 自保组合 catastrophe risk 巨灾风险 ceiding company 分出公司 cession limit 分保限额 claim-prone 容易出险 claims assistance 理赔协助 clean cut 结清方式 coinsurance 共保 commencement and termination 起讫cover 承保 cover 责任额 deposit premium 预付保费 destroyed 毁坏 earth caves 土坏房屋 EPA event limit 事件限额 ex gratia payments 通融赔款 excess loss 超额赔款 exclusion 除外责任 exposed areas 风险承受区域 facultative reinsurance 临时分保fault zone 断层区 finite risk 有限制的风险 flash floods 骤发洪水 flooding of rivers 洪水泛滥 frame structure 框架结构 full coverage 全额承保 full insurance value 足额保险价值 full liability 全部责任 Geophysics Institute 地球物理研究所GNPI 总净保费收入 hailstorm 雹暴 heavy damage 严重破坏4保险英语词汇翻译 险种及险别 险种 health insurance 疾病保险，健康保险 sickness insurance 疾病保险 insurance during a period of illness 疾病保险insurance for medical care 医疗保险 "major medical" insurance policy 巨额医药费保险 life insurance 人寿保险 endowment insurance 养老保险 insurance on last survivor 长寿保险 social insurance 社会保险 personal property insurance 个人财产保险 insurance of contents 家庭财产保险 险别 Free from Particular Average（F.P.A.）平安险 With Particular Average （W.P.A.）水渍险 All Risks 一切险 risk of breakage 破碎险 risk of clashing 碰损险 risk of rust 生锈险 risk of hook damage 钩损险 risk of contamination (tainting) 污染险 insurance against total loss only (TLO) 全损险 risk of deterioration 变质险 risk of packing breakage 包装破裂险 risk of inherent vice 内在缺陷险 risk of normal loss (natural loss) 途耗或自然损耗险risk of spontaneous combustion 自然险 risk of contingent import duty 进口关税险 insurance against war risk 战争险 Air Transportation Cargo War Risk 航空运输战争险overland Transportation Insurance War Risk 陆上运输战争险 insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险 insurance against extraneous risks, insurance against additional risks 附加险 risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险 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
acceptance policy 英文翻译：核保政策 accounting period 英文翻译：结算期 aggregate limit 英文翻译：累积限额 aggregated loss 英文翻译：累积损失 antiselection 英文翻译：逆选择 ART (Alternative Risk Transfer)英文翻译：新型风险转移balance 所欠款项 barrages 堰坝 captive pools 自保组合 catastrophe risk 巨灾风险 ceiding company 分出公司 cession limit 分保限额 claim-prone 容易出险 claims assistance 理赔协助 clean cut 结清方式 coinsurance 共保 commencement and termination 起讫 cover 承保 cover 责任额 deposit premium 预付保费 destroyed 毁坏 earth caves 土坏房屋 EPA event limit 事件限额 ex gratia payments 通融赔款 excess loss 超额赔款 exclusion 除外责任 exposed areas 风险承受区域 facultative reinsurance 临时分保 fault zone 断层区 finite risk 有限制的风险 flash floods 骤发洪水 flooding of rivers 洪水泛滥 frame structure 框架结构 full coverage 全额承保 full insurance value 足额保险价值 full liability 全部责任 Geophysics Institute 地球物理研究所 GNPI 总净保费收入 hailstorm 雹暴 heavy damage 严重破坏 hollow brick wall 空斗砖结构 hour clause 小时条款 hurricane 飓风
个人、商业保险中英文术语词汇表 Abandonment 委付 Absolute assignment 完全转让 Accelerated death benefit 加速死亡给付 Accident 意外事故 Accidental death benefit 意外死亡保险金 Accounts receivable coverage form 应收账款保单 Actual cash value (ACV) 实际现金价值 Actual cash value 实际现金价值 Actual Cash Value-Mobile home 实际现金价值 -活动房屋 Additional auto 新增车辆 Additional insured endorsement 附加被保险人批单 Additional interests-residence premises endorsement 额外利益 -住宅房产批单Additional limits of liability coverages A, B, C and D 保障 A 、 B、 C、 D 额外责任限额批单 Additional residence rented to others endorsement 其他出租住宅批单 Advertising injury 传播性伤害 Aggregate excess 累计超额 Aggregate limit 累计限额 Agreed value 议定价值 Aircraft insurance 飞机保险 All-risk 一切险 Alteration 改动 American Association of Insurance Service 美国保险服务协会 Annual transit policy 年度货物运输保单 Annuity 年金 Appraisal 估价、公估 Arbitration 仲裁 Assignment Clause 转让条款 Assignment 转让 Assumption of liability 承担责任 Auto insurance plan 汽车保险计划 Auto physical damage 汽车车身物质损失 Auto 汽车 Automatic premium loan provision 自动保费贷款条款 Avoidance 规避
保险英语常用词汇 insure保险；投保；保证 insurance保险；保险费；保险金额 underwriters保险商（指专保水险的保险商）保险承运人 insurancecompany保险公司 insurer保险人 insurancebroker保险经纪人 insuranceunderwriter保险承保人 insuranceapplicant投保人 insurant,theinsured被保险人，受保人 tocover(effect,arrange,takeout)insurance投保 insurancecoverage;riskscovered保险范围 insuranceslip投保单 insuredamount保险金额 insuranceagainstrisk保险 insuranceclause保险条款 insuranceinstruction投保通知 insurancebusiness保险企业 insuranceconditions保险条件 PICC(People’sInsuranceCompanyofChina)中国人民保险公司 riskinsured,riskcovered承保险项 risk险别 toprovidetheinsurance为...提供保险 leaflet说明书 fineprint细则 insuranceexpense保险费 premiumrate保险费率 premium保险费 insurancerate保险费率表 insuranceproceeds保险金（保险收入） insurancefreeof(from)particularaverage(FPA).平安险（单独海损不赔）insurancewithparticularaverage(WPA),basicrisks.insuranceagainstallrisks.综合险，应保一切险 riskofbreakage破碎险 riskofclashing碰损险 riskofrust生锈险 riskofhookdamage钩损险 riskofcontamination(tainting)污染险 insuranceagainsttotallossonly(TLO)全损险 riskofdeterioration变质险 riskofpackingbreakage包装破裂险 riskofinherentvice内在缺陷险 riskofnormalloss(naturalloss)?途耗或自然损耗险 riskofspontaneouscombustion自然险 riskofcontingentimportduty进口关税险
acceptance policy 核保政策 accounting period 结算期 aggregate limit 累积限额 aggregated loss 累积损失 antiselection 逆选择 ART (Alternative Risk Transfer 新型风险转移balance 所欠款项 barrages 堰坝 captive pools 自保组合 catastrophe risk 巨灾风险 ceiding company 分出公司 cession limit 分保限额 claim-prone 容易出险 claims assistance 理赔协助 clean cut 结清方式 coinsurance 共保 commencement and termination 起讫 cover 承保 cover 责任额 deposit premium 预付保费 destroyed 毁坏 earth caves 土坏房屋 EPA event limit 事件限额 ex gratia payments 通融赔款 excess loss 超额赔款 exclusion 除外责任 exposed areas 风险承受区域 facultative reinsurance 临时分保 fault zone 断层区 finite risk 有限制的风险 flash floods 骤发洪水 flooding of rivers 洪水泛滥 frame structure 框架结构 full coverage 全额承保 full insurance value 足额保险价值 full liability 全部责任 Geophysics Institute 地球物理研究所health insurance 疾病保险，健康保险sickness insurance 疾病保险 insurance during a period of illness 疾病保险 insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险 life insurance 人寿保险 endowment insurance 养老保险 insurance on last survivor 长寿保险 social insurance 社会保险 personal property insurance 个人财产保险insurance of contents 家庭财产保险 险别 Free from Particular AverageF.P.A. 平安险With Particular Average W.P.A. 水渍险 All Risks 一切险 risk of breakage 破碎险 risk of clashing 碰损险 risk of rust 生锈险 risk of hook damage 钩损险 risk of contamination (tainting 污染险insurance against total loss only (TLO 全损险 risk of deterioration 变质险 risk of packing breakage 包装破裂险 risk of inherent vice 内在缺陷险 risk of normal loss (natural loss 途耗或自然损耗险 risk of spontaneous combustion 自然险 risk of contingent import duty 进口关税险insurance against war risk 战争险 Air Transportation Cargo War Risk 航空运输战争险 overland Transportation Insurance War Risk 陆上运输战争险 insurance against strike, riot and civil commotion (SRCC 罢工，暴动，民变险
保险基本英语术语 累积结余(accumulated value) 人寿保单（有储蓄成份的）之现金价值结余。 全险(all risks) 这个名词表面涵义使人有点混淆，以为这类保险包括范围相当广泛。事实上，有些风险仍然不在承保之列。换言之，投保人不应对「全险」一词顾名思义，而应详细阅读保单内的条文。 年金(annuity) 年金计划是一种向保险公司领取现金的保险计划，用途多以作为养老金。保险公司会收取受领人（annuitant）一笔款项作为支付年金的代价。年金的受领人可以一个或多过一个，而购买年金可以在开始时一次过缴付，亦可以是预先分期缴付。 比例计算法(average) 保持十足的投保额，使承保人能收取足够的保费是极为重要的，如投保额不足，保险公司会采用「比例制度」。这个制度乃为投保额不足的情况而设，让投保人需要承担不足部分的风险。现时大部分财物和财务方面的保险都采用比例制度来计算赔偿。 「比例分担」条文(average condition) 应用于财物保险(船舶保险除外)。如投保额低于重置财物之市值，则赔偿额会于赔偿时按比例减少。 受益人(beneficiary) 保单持有人所指定承受保险赔偿金的个人或个体。 改善(betterment) 投保于「赔偿契约」保单的财物，经重建或修理后有所改善。 盗窃罪(burglary) 通常指强行或以暴力进入或离开有关场所的偷窃行为，较完全偷窃保险的限制为多。如果您有购买窃盗保险，则应查阅实际提供的承保范围，确保切合您的需要。 现金价值(cash value) 保单持有人在取消保单合约时可以取回之款项。 保险凭证(certificate of insurance) 由团体保单持有人对个别受保人发出之保险证明，内容清楚说明受保范围。 赔偿(claim) 根据保单条款而支付的款项。 损害赔偿合约(contract of indemnity) 适用于财物保险，目的是赔偿投保人遭受的损失，主要是避免投保人从不幸中获利（得到的赔偿比损失为大）。由于个人意外保险已有一个预先协议的赔偿额，所以不属于损害赔偿合约。 间接损失(consequential loss) 因财物损毁而引致的额外金钱损失。 分摊(contribution) 避免投保人因购买多于一份财物或财务保险，而从该项损失中获益。当投保人购买多份保单，而出现下列的情况，便会采用分摊原则： (一) 在同类受保危险的同一损失或破坏； (二) 同一事故； (三) 同一投保人的相同利益。 互有疏忽(contributory negligence)
保险英语词汇合集 acceptance policy 核保政策 accounting period 结算期 aggregate limit 累积限额aggregated loss 累积损失 Third Party Liability (TPL) 第三者责任险antiselection 逆选择 ART (Alternative Risk Transfer) 新型风险转移 balance 所欠款项 barrages 堰坝 captive pools 自保组合天下金融网catastrophe risk 巨灾风险 ceiding company 分出公司 cession limit 分保限额claim-prone 容易出险 claims assistance 理赔协助 clean cut 结清方式coinsurance 共保 commencement and termination 起讫 tarrif zone 险区 cover 承保 cover 责任额 deposit premium 预付保费 destroyed 毁坏 earth caves 土坏房屋 EPA event limit 事件限额 ex gratia payments 通融赔款excess loss 超额赔款 exclusion 除外责任 exposed areas 风险承受区域facultative reinsurance 临时分保 fault zone 断层区 finite risk 有限制的风险flash floods 骤发洪水 flooding of rivers 洪水泛滥 frame structure 框架结构full coverage 全额承保 full insurance value 足额保险价值 hailstorm 雹暴treaties business 合同分保 full liability 全部责任 heavy damage 严重破坏hour clause 小时条款 individual losses 单一损失 working expenses /cost 营业费insurability 可保性 insured losses 保险损失 intensity 烈度 layering 层次 less exposed 损失可能性小 liability 责任 light damage 轻度破坏 line slips 分保条 loading 附加费 loss occurrence 损失发生 loss occurring basis 损失发生基础 writing 承保loss participation 分担损失 loss settlement 损失赔付 hurricane 飓风magnitude 震级 malicious damage 恶意损害 moderate damage 中度破坏
保险词汇 acceptance policy 核保政策 accounting period 结算期 aggregate limit 累积限额 aggregated loss 累积损失 antiselection 逆选择 ART (Alternative Risk Transfer) 新型风险转移balance 所欠款项 barrages 堰坝 captive pools 自保组合 catastrophe risk 巨灾风险 ceiding company 分出公司 cession limit 分保限额 claim-prone 容易出险 claims assistance 理赔协助 clean cut 结清方式 coinsurance 共保 commencement and termination 起讫 cover 承保 cover 责任额 deposit premium 预付保费 destroyed 毁坏 earth caves 土坏房屋 EPA event limit 事件限额 ex gratia payments 通融赔款 excess loss 超额赔款 exclusion 除外责任 exposed areas 风险承受区域 facultative reinsurance 临时分保 fault zone 断层区 finite risk 有限制的风险 flash floods 骤发洪水 flooding of rivers 洪水泛滥 frame structure 框架结构 full coverage 全额承保 full insurance value 足额保险价值 full liability 全部责任 Geophysics Institute 地球物理研究所 GNPI 总净保费收入 hailstorm 雹暴 heavy damage 严重破坏 hollow brick wall 空斗砖结构
保险英文术语Insurance Policy (or Certificate)保险单（或凭证） 1.Risks & Coverage险别 (1)free from particular average (F.P.A.)平安险 (2)with particular average (W.A.)水渍险（基本险） (3)all risk一切险（综合险） (4)total loss only (T.L.O.)全损险 (5)war risk战争险 (6)cargo(extended cover)clauses货物（扩展）条款 (7)additional risk附加险 (8)from warehouse to warehouse clauses仓至仓条款 (9)theft,pilferage and nondelivery (T.P.N.D.)盗窃提货不着险 (10)rain fresh water damage淡水雨淋险 (11)risk of shortage短量险 (12)risk of contamination沾污险 (13)risk of leakage渗漏险 (14)risk of clashing & breakage碰损破碎险 (15)risk of odour串味险
(16)damage caused by sweating and/or heating受潮受热险 (17)hook damage钩损险 (18)loss and/or damage caused by breakage of packing包装破裂险 (19)risk of rusting锈损险 (20)risk of mould发霉险 (21)strike, riots and civel commotion (S.R.C.C.)罢工、暴动、民变险 (22)risk of spontaneous combustion自燃险 (23)deterioration risk腐烂变质险 (24)inherent vice risk内在缺陷险 (25)risk of natural loss or normal loss途耗或自然损耗险 (26)special additional risk特别附加险 (27)failure to delivery交货不到险 (28)import duty进口关税险 (29)on deck仓面险 (30)rejection拒收险 (31)aflatoxin黄曲霉素险 (32)fire risk extension clause-for storage of cargo at destination Hongkong, including Kowloon, or Macao出口货物到香港（包括九龙在内）或澳门存仓火险 责任扩展条款 (33)survey in customs risk海关检验险
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reinsurance 2、财产保险 财产保险property insurance 长尾long－tail 长期护理保险long—term care insurance
短尾short－tail 综合赔付率combined ratio 自留retention 车险auto insurance 财产保险property insurance 责任保险liability insurance 农业保险agricultural insurance 巨灾保险catastrophe insurance 意外伤害保险casualty accident insurance 3、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
保险英语常用词汇 insure 保险；投保；保证 insurance 保险；保险费；保险金额 underwriters 保险商（指专保水险的保险商）保险承运人 insurance company 保险公司 insurer 保险人 insurance broker 保险经纪人 insurance underwriter 保险承保人 insurance applicant 投保人 insurant, the insured 被保险人，受保人 to cover (effect,arrange,take out) insurance 投保 insurance coverage;risks covered 保险范围 insurance slip 投保单 insured amount 保险金额 insurance against risk 保险 insurance clause 保险条款 insurance instruction 投保通知 insurance business 保险企业 insurance conditions 保险条件 PICC (People’s Insuran ce Company of China) 中国人民保险公司 risk insured, risk covered 承保险项 risk 险别 to provide the insurance 为...提供保险 leaflet 说明书 fine print 细则 insurance expense 保险费 premium rate 保险费率 premium 保险费 insurance rate 保险费率表 insurance proceeds 保险金（保险收入） insurance free of (from) particular average (FPA). 平安险（单独海损不赔） insurance with particular average (WPA), basic risks. insurance against all risks. 综合险，应保一切险 risk of breakage 破碎险 risk of clashing 碰损险 risk of rust 生锈险 risk of hook damage 钩损险 risk of contamination (tainting) 污染险 insurance against total loss only (TLO) 全损险 risk of deterioration 变质险 risk of packing breakage 包装破裂险
1.再保险reinsurance 2.投保人applicant 3.保险人insurer 4.被保险人insured 5.受益人beneficiary 6.暂保单cover note 7.保险单policy of insurance 8.投保单proposal form 9.保单certificate of insurance 10.批单rider 11.简易保单（保险凭证）the slip 12.除外条款clause of exceptions 13.免赔额条款deductible clause 14.共保条款coinsurance clause 15.责任条款duty clause 16.代位求偿条款subrogation clause 17.偿付能力insolvency 18.监管regulate 19.欺骗性的deceptive 20.保费prepium 21.投机speculate 22.投保to propose
23.保险利益insurable interest 24.人寿保单life assurance policy 25.债权人creditor 26.债务人debtor 27.定期保单time policy 28.养老保险、年金保险annuities insurance 29.交税延期tax-postpone 30.巨灾catastrophe 31.欺诈行为fraud 32.养老基金pension fund 33.保险责任coverage 34.保险密度insurance density 35.保险深度insurance penetration 36.遗产heritage 37.准备金reserves 38.禁止反言estoppel 39.弃权waiver 40.解除合同dissolution of contract 41.保单现金价值cash value 42.不可抗辩条款incontestable clause 43.年龄误告条款misstatement of age 44.宽限期条款grace period provision
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。
保险英语词汇合集acceptance policy 核保政策 accounting period 结算期 aggregate limit 累积限额 aggregated loss 累积缺失 antiselection 逆选择 ART (Alternative Risk Transfer) 新型风险转移 balance 所欠款项 barrages 堰坝 captive pools 自保组合天下金融网 catastrophe risk 巨灾风险 ceiding company 分出公司 cession limit 分保限额 claim-prone 容易出险 claims assistance 理赔协助 clean cut 结清方式 coinsurance 共保 commencement and termination 起讫 cover 承保 cover 责任额 deposit premium 预付保费 destroyed 毁坏
earth caves 土坏房屋 EPA event limit 事件限额 ex gratia payments 通融赔款 excess loss 超额赔款 exclusion 除外责任 exposed areas 风险承担区域facultative reinsurance 临时分保fault zone 断层区 finite risk 有限制的风险 flash floods 骤发洪水 flooding of rivers 洪水泛滥 frame structure 框架结构 full coverage 全额承保 full insurance value 足额保险价值full liability 全部责任 Geophysics Institute 地球物理研究所GNPI 总净保费收入 hailstorm 雹暴 heavy damage 严峻破坏 hollow brick wall 空斗砖结构 hour clause 小时条款 hurricane 飓风
保险英文词汇 中国人民保险公司PEOPLES’ INSURANCE COMPANY OF CHINA 中国人民财产保险股份有限公司PICC PROPERTY AND CASUALTY LIMITED 未决赔款准备金 outstanding loss reserve；outstanding claims reserve 保险公司为尚未结案的赔案提取的准备金，包括已发生已报案未决赔款准备金、已发生未报案未决赔款准备金和理赔费用准备金。 已发生已报案未决赔款准备金 incurred and reported claims reserve 保险公司为保险事故已经发生并已向保险公司提出索赔，但尚未结案的赔案所提取的准备金。 已发生未报案未决赔款准备金 incurred but not reported（IBNR）claims reserve 保险公司为保险事故已经发生，但尚未提出索赔的赔案所提取的准备金。 已发生未充分报告准备金 incurred but not enough reported（IBNER）claims reserve 保险公司为已经立案但尚未结案的赔案在未来可能的赔付而提取的准备金。 已发生未立案未决赔款准备金 incurred but not recorded claims reserve 保险公司为已经发生保险事故但是尚未提出索赔或者已经提出索赔但是尚未立案的赔案而提取的准备金。 理赔费用准备金 claim expense reserve 保险公司为尚未完全结案的赔案未来可能发生的理赔费用而提取的准备金。 间接理赔费用准备金 unallocated loss expense reserve；indirect claim expense reserve 保险公司为尚未完全结案的赔案未来可能发生的，并且无法直接确认到每个赔案的理赔费用而提取的准备金。 直接理赔费用准备金 allocated loss expense reserve； direct claim expense reserve 保险公司为尚未完全结案的赔案未来可能发生的，并且可以直接确认到每个赔案的理赔费用而提取的准备金。 准备金责任准备金 reserve 保险公司为保证如约履行未来的赔偿或给付责任，从保费收入或盈余中提取的与其所承担的保险责任相对应的资金准备。 法定责任准备金 statutory reserve 为确保保险公司偿付能力，由保险公司按照相关法律规定提存的准备金。 评估利率 valuation interest rate 保险公司依法确定的用以计算责任准备金的利率。 通用会计准则准备金 generally accepted accounting principals（GAAP）reserve 在保险公司持续经营的前提下，为了在公正、一致的基础上反映经营状况、体现盈利水平，而采用合理而谨慎的假设计算的准备金。
资料 acceptance policy核保政策health insurance疾病保险，健康保险accounting period结算期sickness insurance疾病保险 aggregate limit 累积限额insurance during a period of illness疾病保险aggregated loss累积损失insurance for medical care医疗保险antiselection逆选择"major medical" insurance policy巨额医药费ART (Alternative Risk Transfer新型风险转移保险 balance 所欠款项life insurance 人寿保险 barrages堰坝endowment insurance养老保险 captive pools自保组合insurance on last survivor长寿保险catastrophe risk巨灾风险social insurance社会保险 ceiding company分出公司personal property insurance个人财产保险cession limit分保限额insurance of contents家庭财产保险 claim-prone容易出险险别 claims assistance理赔协助Free from Particular AverageF.P.A.平安险clean cut结清方式With Particular Average W.P.A.水渍险coinsurance共保All Risks 一切险 commencement and termination起讫risk of breakage破碎险 cover承保risk of clashing碰损险 cover责任额risk of rust 生锈险 deposit premium预付保费risk of hook damage钩损险 destroyed毁坏risk of contamination (tainting污染险 earth caves土坏房屋insurance against total loss only (TLO全损险 EPA risk of deterioration变质险 event limit事件限额risk of packing breakage包装破裂险 ex gratia payments通融赔款risk of inherent vice内在缺陷险 excess loss超额赔款risk of normal loss (natural loss途耗或自然损exclusion除外责任耗险 exposed areas 风险承受区域risk of spontaneous combustion自然险facultative reinsurance临时分保risk of contingent import duty进口关税险fault zone断层区insurance against war risk战争险 finite risk有限制的风险Air Transportation Cargo War Risk航空运输flash floods骤发洪水战争险 flooding of rivers洪水泛滥overland Transportation Insurance War Risk frame structure 框架结构陆上运输战争险 full coverage全额承保insurance against strike, riot and civil full insurance value足额保险价值commotion (SRCC罢工，暴动，民变险 full liability全部责任insurance against extraneous risks, insurance Geophysics Institute地球物理研究所against additional risks附加险