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 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