保险词汇

【 A 】TOPAbandonment 见"委付"Actual Total Loss 见"实际全损"All Risks 见"一切险"Annuities Insurance 见"年金保险"Applicant 见"投保人"Application 见"投保单"Automatic Premium Loan 见"自动垫交保险费贷款" Approved 见"承保"安装工程一切险（Erection All Risks Insurance）【 B 】TOPBeneficiary 见"受益人"Binder, Binding Slip 见"暂保单"保险（Insurance）保险法（Law of Insurance）保险基金(Insurance Fond）保险保障基金(Insurance Protection Fond）保险公司（Insurance Company）保险合同（Insurance Contract）保险单（Policy）保险凭证（Insurance Certificate）保险条款（Insurance Clauses）保险标的（Insurance Subject）保险金额（Insured Amount）保险价值（Insured Value）保险期限（Insurance Period）保险费（Insurance Premium）保险费率（Premium Rate）保险人（Insurer）保险代理人（Insurance Agent）保险经纪人（Insurance Broker）保险公估人（Insurance Assessor）补偿原则（Principle of Compensation）被保险人（（Insured）不定值保险（Unvalued Insurance）【 C 】TOPCash Loss 见"现金赔款"Cash Value 见"现金价值"Claim Settlement 见"理赔"Co-insurance 见"共同保险"Constructive Total Loss 见"推定全损"超率赔款再保险（Excess of Loss Ratio Reinsurance）超额赔款再保险（Excess of Loss Reinsurance）重复保险（Multiple Insurance）重置价值保险（Reinstatement Value Insurance）偿付能力（Solvency）承保（Approved，To Cover）船舶保险（Hull Insurance）财产保险（Property Insurance）产品质量保证保险（Product Quality Bond Insurance）产品责任保险（Product Liability Insurance）【D 】TOPDividend System 见"红利制度"Dual Valuation Clause 见"双重价值条款"大数法则（Law of Large Numbers）代位求偿权（Subrogation Right）定值保险（Valued Insurance）第一损失保险（First Loss Insurance）盗窃保险（theft insurance）定期寿险（Term Insurance）定期生存保险（Pure Endowments）【 E 】TOPEndowment Assurance 见"生死两全保险"Endorsement 见"批单"Extraneous Risks 见"附加险"Erection All Risks Insurance 见"安装工程一切险" Excess of Loss Ratio Reinsurance 见"超率赔款再保险" Excess of Loss Reinsurance 见"超额赔款再保险"Extra Charges 见"额外费用"额外费用（Extra Charges）【 F 】TOPFacultative Reinsurance 见"临时再保险"Fidelity Bond 见"忠诚保证保险"Fire Insurance 见"火灾保险"First Loss Insurance 见"第一损失保险"Free from Particular Average 见"平安险"Freight Insurance 见"运费保险"附加险（Extraneous Risks）飞机保险（Aircraft insurance）复效（Reinstate）【G 】TOPGrace Period 见"宽限期"Group Life Accident Insurance 见"团体人身意外伤害保险" Group Life Insurance 见"团体人身保险"过失责任（fault liability）公众责任保险（Public Liability Insurance）【H 】TOPHazard 见"危险因素"Health Insurance 见"疾病保险"Hull Insurance 见"船舶保险"海上保险（Marine Insurance）火灾保险（Fire Insurance）红利制度（Dividend System）【I 】TOPIncreased Value Clause见“增值条款”Increased Value Insurance见“增值保险”Inherent Vice见“内在缺陷”Insurance见“保险”Insurance Agent见“保险代理人”Insurance Amount见“保险金额”Insurance Broker见“保险经纪人”Insurance Certificate见“保险凭证”Insurance Clauses见“保险条款”Insurance Company见“保险公司”Insurance Contract见“保险合同”Insurance Fund见“保险基金”Insurance Period见“保险期限”Insurance Premium见“保险费”Insurance Subject见“保险标的”Insured见“被保险人”Insurer见“保险人”【J 】TOPJoint Life Insurance见“联合人寿保险”近因（Proximate Cause）救助费用（Salvage Charge）家庭财产保险（Property Insurance for Home）绝对责任(absolute liability)疾病保险（Health Insurance）均衡纯保费（Level Premium）【K 】TOP宽限期（Grace Period）【L 】TOP理赔（Claim Settlement）劳合社（Lloyd's）劳工保险和雇主责任保险（Workers Compensation and Employer Liability Insurance）联合人寿保险（Joint Life Insurance）【M 】TOPMarine Insurance见“海上保险”Multiple Insurance见“重复保险”【N 】TOPNatural Premium见“自然纯保费”内在缺陷（Inherent Vice）年金保险（Annuities Insurance）【O 】TOPOutstanding Loss Reserve见“未决赔款准备金”【P 】TOPPeril见“危险事故”Personal Pension Annuities见“退休年金保险”Personal Insurance见“人身保险”Premium Rate见“保险费率”Policy见“保险单”Principle of Compensation见“补偿原则”Product Liability Insurance见“产品责任保险”Professional Liability Insurance见“职业责任保险”Profit Loss Insurance见“利润损失险”Property Insurance见“财产保险”Property Insurance for Enterprises见“企业财产保险”Property Insurance for Home见“家庭财产保险”Proximate Cause见“近因”Public Liability Insurance见“公众责任保险”Protection and Indemnity Insurance见“保障与赔偿责任保险”Pure Endowments见“定期生存保险”Pure Risk见“纯粹危险”批单（Endorsement）平均余命（Life Expectancy）平安险（Free from Particular Average）【Q 】TOP弃权与禁止反言（Waiver and Estelle）企业财产保险（Enterprise Property Insurance ）【R 】TOPReinstate见“复效”Reinstatement Value Insurance见“重置价值保险”Reinsurance见“再保险”Risk Unit见“危险单位”人身保险（Personal Insurance）人寿保险（Life Insurance）人身意外伤害保险（Life Accident Insurance）人寿保险精算师（Life Insurance Actuary）人寿保险责任准备金（Life Insurance Reserve）【S 】TOP双重价值条款(Dual Valuation Clause)受益人（Beneficiary）损失率（Loss Ratio）索赔（Claim）实际全损（Actual Total Loss）施救费用（Sue and Labor Expenses）生死两全保险（Endowment Assurance）生命表（Life Table）【T 】TOPTerm Insurance见“定期寿险”To Cancel见“退保”投保单（Application）投保人（Applicant）退保（To Cancel）推定全损（Constructive Total Loss)退休年金保险（Personal Pension Annuities）团体人身保险（Group Life Insurance）团体人身意外伤害保险（Group Life Accident Insurance）【U 】TOPUnearned Premium Reserve见“未到期责任准备金”Unvalued Insurance见“不定值保险”Utmost Good Faith见“最大诚信”【V 】TOPValued Insurance见“定值保险”【W 】TOP危险（Risk）Waiver and Estelle见“弃权与禁止反言”Whole Life Insurance见“终身寿险”Workers Compensation and Employer Liability Insurance见“劳工保险和雇主责任保险”【X 】TOP信用保险(Credit Insurance)现金价值（Cash Value）【Y 】TOP一切险（all risks)运费保险(Freight Insurance)【Z 】TOP暂保单（Binder，Binding Slip）最大诚信（Utmost Good Faith）忠诚保证保险（Fidelity Bond）责任保险（Liability Insurance）增值条款(increased value clause)增值保险(Increased Value Insurance)职业责任保险（Professional Liability Insurance）终身寿险（Whole Life Insurance）主险(main risks)自然纯保费（Natural Premium）自动垫交保险费贷款（Automatic Premium Loan）自杀条款（Suicide Clauses）再保险（Reinsurance）【 A 】TOPAbandonment 见"委付"Actual Total Loss 见"实际全损"All Risks 见"一切险"Annuities Insurance 见"年金保险"Applicant 见"投保人"Application 见"投保单"Automatic Premium Loan 见"自动垫交保险费贷款" Approved 见"承保"安装工程一切险（Erection All Risks Insurance）【 B 】TOPBeneficiary 见"受益人"Binder, Binding Slip 见"暂保单"保险（Insurance）保险法（Law of Insurance）保险基金(Insurance Fond）保险保障基金(Insurance Protection Fond）保险公司（Insurance Company）保险合同（Insurance Contract）保险单（Policy）保险凭证（Insurance Certificate）保险条款（Insurance Clauses）保险标的（Insurance Subject）保险金额（Insured Amount）保险价值（Insured Value）保险费（Insurance Premium）保险费率（Premium Rate）保险人（Insurer）保险代理人（Insurance Agent）保险经纪人（Insurance Broker）保险公估人（Insurance Assessor）补偿原则（Principle of Compensation）被保险人（（Insured）不定值保险（Unvalued Insurance）【 C 】TOPCash Loss 见"现金赔款"Cash Value 见"现金价值"Claim Settlement 见"理赔"Co-insurance 见"共同保险"Constructive Total Loss 见"推定全损"超率赔款再保险（Excess of Loss Ratio Reinsurance）超额赔款再保险（Excess of Loss Reinsurance）纯粹危险（Pure Risk）重复保险（Multiple Insurance）重置价值保险（Reinstatement Value Insurance）偿付能力（Solvency）承保（Approved，To Cover）船舶保险（Hull Insurance）财产保险（Property Insurance）产品质量保证保险（Product Quality Bond Insurance）产品责任保险（Product Liability Insurance）【 D 】TOPDividend System 见"红利制度"Dual Valuation Clause 见"双重价值条款"大数法则（Law of Large Numbers）代位求偿权（Subrogation Right）定值保险（Valued Insurance）第一损失保险（First Loss Insurance）盗窃保险（theft insurance）定期寿险（Term Insurance）定期生存保险（Pure Endowments）【 E 】TOPEndowment Assurance 见"生死两全保险"Endorsement 见"批单"Extraneous Risks 见"附加险"Erection All Risks Insurance 见"安装工程一切险" Excess of Loss Ratio Reinsurance 见"超率赔款再保险"Extra Charges 见"额外费用"额外费用（Extra Charges）【 F 】TOPFacultative Reinsurance 见"临时再保险"Fidelity Bond 见"忠诚保证保险"Fire Insurance 见"火灾保险"First Loss Insurance 见"第一损失保险"Free from Particular Average 见"平安险"Freight Insurance 见"运费保险"附加险（Extraneous Risks）飞机保险（Aircraft insurance）复效（Reinstate）【 G 】TOPGrace Period 见"宽限期"Group Life Accident Insurance 见"团体人身意外伤害保险" Group Life Insurance 见"团体人身保险"共同保险（Co-insurance）过失责任（fault liability）公众责任保险（Public Liability Insurance）【 H 】TOPHazard 见"危险因素"Health Insurance 见"疾病保险"Hull Insurance 见"船舶保险"海上保险（Marine Insurance）火灾保险（Fire Insurance）红利制度（Dividend System）【 I 】TOPIncreased Value Clause见“增值条款”Increased Value Insurance见“增值保险”Inherent Vice见“内在缺陷”Insurance见“保险”Insurance Agent见“保险代理人”Insurance Amount见“保险金额”Insurance Broker见“保险经纪人”Insurance Certificate见“保险凭证”Insurance Clauses见“保险条款”Insurance Company见“保险公司”Insurance Contract见“保险合同”Insurance Fund见“保险基金”Insurance Period见“保险期限”Insurance Premium见“保险费”Insured见“被保险人”Insurer见“保险人”【 J 】TOPJoint Life Insurance见“联合人寿保险”近因（Proximate Cause）救助费用（Salvage Charge）家庭财产保险（Property Insurance for Home）绝对责任(absolute liability)疾病保险（Health Insurance）均衡纯保费（Level Premium）【 K 】TOP宽限期（Grace Period）【 L 】TOP理赔（Claim Settlement）劳合社（Lloyd's）利润损失险（Profit Loss Insurance）劳工保险和雇主责任保险（Workers Compensation and Employer Liability Insurance）联合人寿保险（Joint Life Insurance）【 M 】TOPMarine Insurance见“海上保险”Multiple Insurance见“重复保险”【 N 】TOPNatural Premium见“自然纯保费”内在缺陷（Inherent Vice）年金保险（Annuities Insurance）【 O 】TOPOutstanding Loss Reserve见“未决赔款准备金”【 P 】TOPPeril见“危险事故”Personal Pension Annuities见“退休年金保险”Personal Insurance见“人身保险”Premium Rate见“保险费率”Policy见“保险单”Principle of Compensation见“补偿原则”Product Liability Insurance见“产品责任保险”Professional Liability Insurance见“职业责任保险”Profit Loss Insurance见“利润损失险”Property Insurance for Enterprises见“企业财产保险”Property Insurance for Home见“家庭财产保险”Proximate Cause见“近因”Public Liability Insurance见“公众责任保险”Protection and Indemnity Insurance见“保障与赔偿责任保险”Pure Endowments见“定期生存保险”Pure Risk见“纯粹危险”批单（Endorsement）平均余命（Life Expectancy）平安险（Free from Particular Average）【 Q 】TOP弃权与禁止反言（Waiver and Estelle）企业财产保险（ Enterprise Property Insurance ）【 R 】TOPReinstate见“复效”Reinstatement Value Insurance见“重置价值保险”Reinsurance见“再保险”Risk Management见“危险管理”Risk Unit见“危险单位”人身保险（Personal Insurance）人寿保险（Life Insurance）人身意外伤害保险（Life Accident Insurance）人寿保险精算师（Life Insurance Actuary）人寿保险责任准备金（Life Insurance Reserve）【 S 】TOP双重价值条款(Dual Valuation Clause)受益人（Beneficiary）损失率（Loss Ratio）索赔（Claim）实际全损（Actual Total Loss）施救费用（Sue and Labor Expenses）生死两全保险（Endowment Assurance）生命表（Life Table）【 T 】TOPTerm Insurance见“定期寿险”To Cancel见“退保”投保单（Application）投保人（Applicant）退保（To Cancel）推定全损（Constructive Total Loss)退休年金保险（Personal Pension Annuities）团体人身意外伤害保险（Group Life Accident Insurance）【 U 】TOPUnearned Premium Reserve见“未到期责任准备金”Unvalued Insurance见“不定值保险”Utmost Good Faith见“最大诚信”【 V 】TOPValued Insurance见“定值保险”【 W 】TOP危险（Risk）Waiver and Estelle见“弃权与禁止反言”Whole Life Insurance见“终身寿险”Workers Compensation and Employer Liability Insurance见“劳工保险和雇主责任保险”【 X 】TOP信用保险(Credit Insurance)现金价值（Cash Value）现金赔款（Cash Loss）【 Y 】TOP一切险（all risks)运费保险(Freight Insurance)【 Z 】TOP暂保单（Binder，Binding Slip）最大诚信（Utmost Good Faith）忠诚保证保险（Fidelity Bond）责任保险（Liability Insurance）增值条款(increased value clause)增值保险(Increased Value Insurance)职业责任保险（Professional Liability Insurance）终身寿险（Whole Life Insurance）主险(main risks)自然纯保费（Natural Premium）自动垫交保险费贷款（Automatic Premium Loan）自杀条款（Suicide Clauses）再保险（ Reinsurance）Saved.abandonment clause 委付条款act of god 不可抗力actuary 保险精算师all-risks policy一切险保单assignment clause 转让条款average adjuster 海损理算人average clause 共同海损分担条款average 海损、海损分摊branch of insurance 保险类别cargo damage survey 货损检验cargo insurance 货物保险certificate of insurance 保险证明书claim 索赔claim assessor 索赔人claim 索赔compulsory insurance 强制保险coverage 保险总额damage certificate 损坏证明书damage claim 损坏索赔damage 损坏赔偿金deposit premium 预付保险费endorsement 签注endowment policy 人寿定期保险单expiration of policy 保险单满期faa ( free of all average) 全损赔偿fire insurance 火险fpa ( free of particular average) 单独海损不赔free of average 全损赔偿general average 共同海损general policy condition 保险单一般规定indemnity 赔款indemnity 损害赔偿in-full premium 全部保险费initial premium 初期保险费insurance broker 保险经纪人insurance company 保险公司insurance policy 保险单insurance premium 保险费insured, assured 被保险人insurer, underwriter 保险人；保险商jettison 投弃knock-for-knock agreement 互撞免赔协议liability insurance 责任保险life assured 人寿保险投保人life fund 人寿保险基金life insurance 人寿保险loading 人寿保险附加费loss adjuster 损失理算人loss ratio 赔付率marine insurance 海损保险maritime transportation insurance 海洋运输保险mortality tables 死亡率表（用于计算保险风险）motor insurance 汽车保险mutual insurance company 互助保险公司natural calamities 自然灾害natural losses 自然损耗no-claims bonus 无索偿奖金notice of loss 损害通知书null and void 宣告无效obligation of compensation for loss 赔偿的义务particular average 单独海损policy-holder 保险客户reinsurance 再保险；转保renewal premium 续保费renewal 续保；延期salvage value 残值；获救货物或船舶的价值sum insured 保险金额survey 查勘termination of risk 保险责任终止third party insurance 第三方保险time hull insurance 船舶定期保险time limit for filing claims 索赔时限time policy 定期保险单to renew 续保u/w (underwriter) 承保人unvalued policy 不定值保单。

保险专业词汇中英文
保险行业涉及大量的专业术语，这些术语在中文和英文中都有其特定的表达方式。

以下是一些常见的保险专业词汇及其对应的中英文对照：
保险(Insurance)
保单(Insurance Policy)
保险人(Insurer)
被保险人(Insured)
受益人(Beneficiary)
保费(Premium)
赔款(Claim Payment)
免赔额(Deductible)
赔偿限额(Limit of Indemnity)
风险(Risk)
再保险(Reinsurance)
承保(Underwriting)
拒保(Decline to Insure)
解除保险(Cancellation of Insurance)
续保(Renewal of Insurance)
核保(Risk Assessment)
理赔(Claim Settlement)
等待期(Waiting Period)
保险期间(Policy Period)
保险责任(Insurance Liability)
这只是保险专业词汇中的一小部分，实际上，保险行业的专业术语非常丰富。

在实际应用中，建议参考相关的保险行业标准和规范，以确保术语使用的准确性和专业性。

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 profitis 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reinsurance2、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 accidentinsurance3、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-basedAssumed 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医疗保险insurance for medical care医疗费用保险medical expense insurance 终身寿险whole life insurance准备金reserve伤残收入保险disability income insurance失能incapacity可变万能寿险Variable-universal life insurance可变年金Variable annuity评估价值Appraisal Value内含价值Embeded Value新业务价值Value of New Business 税收优惠tax break税收递延型养老保险Deferred tax endowment insurance大病医疗保险Large quantity medicalinsurance分红保险Participating Insurance传统保险traditional insurance理财型保险financial planning oriented insurance投资连结寿险unit—linked life insurance4、保险偿付能力风险资本要求risk—based capital固定最低成本要求fixed minimum capital requirement保险偿付能力监管insurance solvency regulation保险监管信息系统Insurance Regulatory Information System财务分析跟踪系统Financial Analysis Tracking System偿付能力Solvency偿付能力不足insolvent认可资产admissible assets第二部分保险资产管理1、行业主体与监管保险资产管理insurance asset management保险法insurance law保险资产管理公司insurance asset management company 中国人保集团People's Insurance Company of China(简称PICC)中国人保资产管理公司PICC Asset Management Company Limited慕尼黑再保险资产管理公司Munich ERGO Asset Management GmbH（简称MEAG）中国保监会China Insurance Regulatory Commission（简称CIRC）保险投资“新政”innovation policies in insurance investment可投资资产investable asset投资公司法案Investment Company Act2、委托受托关系委托人client受托人trustee委托管理mandate绝对收益absolute return相对收益relative return3、组合管理大类资产配置assets allocation战略资产配置Strategic Assets Allocation（简称SAA）战术资产配置Tactic Assets Allocation（简称TAA）流动性管理liquidity management资产负债管理Asset-Liability Management（简称ALM）久期匹配duration matching现金流匹配cash flow matching一般账户general account独立账户separate account4、类别投资固定收益投资fixed-income investment持有到期类资产held-to-maturity asset交易类资产trading asset可供出售类资产asset available for sale股票投资equity investment基金投资fund investment另类投资alternative investment境外投资overseas investment基础设施债权计划infrastructure debt investment plan 未上市企业股权投资private equity investment不动产投资real estate investment利率互换Interest Rate Swap（简称IRS）均值一方差分析the mean-variance method5、第三方业务财富管理wealth management第三方投资管理the third-party asset management 企业年金occupational annuity养老金pension集合投资产品collective investment fund。

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 (TRND) 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ocean marine cargo insurance clauses 海洋运输货物保险条款transportation insurance 运输保险overland transportation insurance, land transit insurance 陆上运输保险insurance against air risk, air transportation insurance 航空运输保险parcel post insurance 邮包运输保险ocean marine cargo insurance, marine insurance 水险（海运货物保险）All Risks 一切险average 海损Particular Average (P.A) 单独海损General Average (G.A) 共同海损Marine Losses 海损partial loss 部分损失total loss 全部损失health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险insurance during a period of illness 疾病保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险to purchase health insurance 购买健康保险to have a health insurance policy 购买健康保险Additional Words and Phrasespolicy-holder 保险客户extra premium 额外保险费additional premium 附加保险费保险英语词汇Aabandonment 委付abandonment clause 委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss 累积损失all-risks policy 一切险保单antis election 逆选择applicant 投保人application 投保单approved 承保assignment clause 转让条款average 海损、海损分摊average adjuster 海损理算人average clause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing 包装破碎险broker 经纪人保险英语词汇Ccapacity 承保能力captive 自保公司captive pools 自保组合cargo damage adjustment 货损理算cargo damage inspection 货损检验cargo damage prevention 货损预防cargo damage report 货损报告cargo damage survey 货损检查，货物损坏检验cargo insurance premium 货物保险费cargo insurance rate 货物保险费率cargo insurer 货物承保人cargo policy 货物保单，货物保险单cargo premium 货运保险费，货物保险费cargo underwriter 货物保险承保人（商），货险承保人，货物承保人cash loss 现金赔款cash value 现金价值catastrophe 巨灾catastrophe excess of loss（CXL）巨灾超赔\巨灾超赔分保categories of insurance 保险类别ceding company 分出公司ceding(insurance)company 分保公司ceding, retrocession(for reinsurance) 分保certificate of cargo damage 货损证明certificate of insurance 保险证明、保险凭证cession limit 分保限额China Insurance Clause (CIC) 中国保险条款claim 索赔claim assessor 索赔人claim settlement 理赔claim-prone 容易出险claims and arbitration 索赔与仲裁claims assistance 理赔协助clash and breakage 碰损，破碎险clean cut 结清方式coinsurance 共保co-insurance 共同保险co-insurance company 共同保险公司combined ratio 综合赔付率commencement and termination 起讫concurrent insurance 同时保险consequential loss (CL) 后果损失constructive total loss 推定全损contingent liquidity 或有流动性continued insurance 继续保险co-related risks 关联风险cover 承保、责任额cover note 保险证明书,承保单，保险证明cover note 暂保单（证明同意承保的临时文件）coverage 受保范围保险英语词汇Ddamage 损坏赔偿金damage cargo clerk 理残员，货损管理员damage cargo list 货损单，残货单damage certificate 损坏证明书damage claim 损坏索赔damaged by other cargo 由其他货物损害damaged cargo list 受损货物单damaged cargo report 受损货物报告书，货物损害报告deductibles 免赔额deposit premium 预付保费destroyed 毁坏disbursement policy (船舶)驶费保险单dividend system 红利制度double insurance 双保险dual valuation clause 双重价值条款保险英语词汇Eemployer 业主Endorsement 批单endorsement: 签注endowment insurance 养老保险endowment policy 人寿定期保险单event limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款excess of loss cover 超额赔偿excess of loss（XL) 超赔分保exclusion 除外责任EXL protection 超赔保障exposed areas 风险承受区域exposure rating 风险评估extended-term insurance 过期保险extra charges 额外费用extra premium 额外保险费extraneous risks (additional risks) 附加险保险英语词汇Ffacultative business 临分保facultative reinsurance 临时分保fault liability 过失责任financial quota shares 成数分保fine print 细则finite risk 有限制的风险finite risk transfer 有限风险转移floating policy 浮动保险单franchise (deductible) 免赔额；免赔率free of all average (FAA) 全损赔偿freight insurance 运费保险freight policy 运费保险单full coverage 全额承保full insurance 全额保险full insurance value 足额保险价值full liability 全部责任保险英语词汇Ggeneral average（GA）共同海损grace period 宽限期gross net premium income（GNPI）总净保费收入group insurance 团体保险guarantee of insurance 保险担保书保险英语词汇Hhazard 危险因素health insurance 疾病保险，健康保险heavy damage 严重破坏holistic risk transfer 整体风险转移hook damage 勾（钩）损险hour clause 小时条款保险英语词汇IIBRN reserve 已发生但未报的损失储备金，IBRN储备金import cargo insurance 进口货物保险increased value clause 增值条款increased value insurance 增值保险increasing coverage, extending coverage 加保Incurred but not reported losses(IBRN) 已发生但未报的损失indemnity limit 赔偿期限indemnity period 赔偿期individual losses 单一损失industrial insurance 产业保险inflated claim 超额索赔inherent nature of cargo 货物的固有性inherent vice 内在缺陷inherent vice of cargo 货物固有缺陷inspection of cargo 积货鉴定，货物检验，检查货物inspection of cargo GA or PA 海损(单独海损或共同海损)鉴定inspection on damaged cargo 货物残损检验installment insurance 分期付款保险Institute Cargo Clauses (ICC，I.C.C.) 协会货物（保险）条款insurability 可保性insurance 保险，保险费，保险金额insurance act 保险条例insurance against risk 保险insurance agent(s) 保险代理，保险代理人insurance amount 保险金额\保险额insurance applicant 投保人insurance assessor 保险公估人insurance broker 保险经纪人insurance business 保险企业\保险业insurance capacity 承保能力insurance certificate 保险凭证\保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件\保险契约约定条款insurance contract 保险合同insurance corporation 保险公司insurance coverage 保险范围，保额insurance declaration sheet(bordereau) 保险申报单(明细表) insurance division 保险部insurance document 保险单据insurance expense 保险费insurance fond 保险基金insurance industry 保险业insurance instruction 投保通知，投保须知insurance law 保险法insurance on last survivor 长寿保险insurance period 保险期限insurance policy 保险单\保单insurance premium 保险费insurance proceeds 保险金（保险收入）,保险赔偿金，保险赔款insurance rate 保险费率表insurance securitization 保险证券化insurance slip 投保单\投保申请书insurance subject 保险标的insurance treaty 保险合同insurance underwriter 保险承保人insurance value(insurance amount) 保险金额insurant 被保险人，受保人insure 保险、投保、保证insured 被保险人insured amount 保险金额insured loss 保险损失insured property 参保物业Insured Value 保险价值insurer 保险人、保险公司，保险商insurer (underwriter) 承保人、保险人investment insurance 投资保险保险英语词汇J-LJjettison 投弃Llaw of insurance 保险法law of large numbers 大数法则leaflet 说明书less exposed 损失可能性小letter of guarantee 保函，保证书liability 责任liability insurance 责任保险license bond 执照保险life assured 人寿保险投保人life expectancy 平均余命life fund 人寿保险基金life insurance 人寿保险life insurance actuary 人寿保险精算师life insurance reserve 人寿保险责任准备金life Table 生命表light damage 轻度破坏limits 投保限额line slips 分保条liquidity support 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费loss adjuster 损失理算人loss occurrence 损失发生loss occurring basis 损失发生基础loss of profit 利损险loss participation 分担损失loss ratio 损失率loss ratio 赔付率loss settlement 损失赔付保险英语词汇Mmail contractor 承包商main risks 主险maintenance 保证期malicious damage 恶意损害marine insurance 海上运输保险，水险marine losses 海损medical insurance 医疗保险mortality tables 死亡率表（用于计算保险风险）multiple claim 多次（重复）索赔multiple insurance 重复保险mutual insurance 相互保险mutual insurance company 相互保险公司保险英语词汇NNatCat pooling 自然灾害共保natural catastrophe（NatCat）自然灾害natural premium 自然纯保费net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险no-claims bonus 无索偿奖金non-life 非寿险non-proportional reinsurance 非比例再保险notification 告知保险英语词汇Oobject 标的obligatory reinsurance 固定分保ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险original deductibles 原始免赔额original rate 原始费率over insurance 超额保险overland （transportation） insurance 陆上运输保险保险英语词汇Pparcel post insurance 邮包运输保险partial loss 部分损失particular average (PA) 单独海损peril 危险、危险事故perils of the sea 海上风险permit bond 许可证保险placement 安排policy 保单、保险单、保险契约policy holder 保险客户\保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金policy-holder 保险客户policyholder 保单持有者policy-holder 保险客户pool 共保组合、合保pool 联营pool administrator 共保组合管理人portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐possible maximum loss（PML）可能最大损失post-financing 后融资post-funding 后融资pre-financing 先融资pre-funding 先融资premium 保险费premium rate 保险费率premium rebate 保险费回扣previous losses 既往损失primary insurance company 原保公司、主保险商principal 业主principle of compensation 补偿原则priority 分保自留额、自付责任priority (deductible) 优先（免赔额)proceeds 收益professional 专业险profit margin 利润边际property 财产险property covered 受保财产property insurance 财产保险proportional cover 比例分保proportional reinsurance 比例再保险proximate cause 近因punitive damage 惩罚性损害pure endowments 定期生存保险pure risk 纯粹危险保险英语词汇Rrain insurance 雨水保险rainstorm 雨暴rate 费率rating 费率recovery 追偿金reinstate 复效reinstated 继单reinstatement 恢复保额reinstatement value insurance 重置价值保险reinsurance 分保、再保险、转保reinsured 分出公司reinsurer 分保人（分保公司）、再保险人rejection risk 拒收险renew coverage 续保renewal 续保；延期renewal premium 续保费renewing coverage 续保reserve 准备金retention 自留、自留额return period 重现期revoke license 吊销营业执照riot insurance 骚乱保险risk 险别、风险、保险，保险额risk carrier 风险承担人risk covered 承保险项risk insured 承保险项risk management 危险管理risk premium 风险保费\风险贴水、风险溢价risk unit 危险单位risks covered 保险范围保险英语词汇Ssalvage charge 救助费用salvage value 残值，获救货物或船舶的价值second event cover 第二事件承保set-off 抵销settlement of claim 理赔sickness insurance 疾病保险social insurance 社会保险solvency 偿付能力solvency margin 赔偿能力spread loss 分散风险standing charges 维持费用stop loss 赔付率超赔sub-contractor 分承包商subject insured 风险标的subrogation center 代位求偿权sue and labor expenses 施救费用suicide clauses 自杀条款sum insured 保险金额、保额surplus insurance 盈余保险survey at jetty risk 码头检验险survey in customs risk 海关检验险保险英语词汇Ttariff 费率表tariff zone 险区term insurance 定期保险TG 拐点周期the insured 被保险人，受保人time policy 定期保险单topographic map 地形图total loss 全部损失total sum insured 总保额treaties business 合同分保treaty reinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇Uunder insurance 低额保险underwriters 保险商（指专保水险的保险商）、保险承运人、保险公司underwriting 承保underwriting policy 承保政策unvalued insurance 不定值保险unvalued policy 不定值保单utmost good faith 最大诚信保险英语词汇V-ZVvalued insurance 定值保险voluntary insurance 自动保险Wwaiver and estoppels 弃权与禁止反言windstorm 风暴working cost 营业费用working expenses 营业费用writing 承保written premiums 承保保费。

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个人代理人银行保险personal agent bank insurance直销straight pin 佣金brokerage手续费再保险commissionreinsurancecharges2、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农业保险巨灾保险agricultural insurance catastrophe insurance意外伤害保险casualtyaccidentinsurance3、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医疗保险 insurance for medical care医疗费用保险medical expense insurance终身寿险 whole life insurance准备金 reserve伤残收入保险disability income insurance失能 incapacity可变万能寿险Variable-universal life insurance可变年金Variable annuity评估价值Appraisal Value内含价值 Embeded Value新业务价值Value of New Business税收优惠tax break税收递延型养老保险Deferred tax endowment insurance大病医疗保险Large quantity medical insurance分红保险Participating Insurance传统保险traditional insurance理财型保险financial planning oriented insurance投资连结寿险unit —linked life insurance4、保险偿付能力风险资本要求risk —based capital固定最低成本要求fixed minimum capital requirement保险偿付能力监管insurance solvency regulation保险监管信息系统Insurance Regulatory Information System 财务分析跟踪系统Financial Analysis Tracking System偿付能力Solvency偿付能力不足insolvent认可资产admissible assets第二部分保险资产管理1、行业主体和监管保险资产管理 insurance asset management保险法insurance law保险资产管理公司insurance asset management company中国人保集团 People's Insurance Company of China( 简称PICC)中国人保资产管理公司PICC Asset Management Company Limited慕尼黑再保险资产管理公司Munich ERGO Asset Management GmbH （简称 MEAG ）中国保监会 China Insurance Regulatory Commission （简称 CIRC ）保险投资“新政” innovation policies in insurance investment可投资资产 investable asset投资公司法案Investment Company Act2、委托受托关系委托人client受托人trustee委托管理mandate绝对收益 absolute return相对收益relative return3、组合管理大类资产配置assets allocation战略资产配置 Strategic Assets Allocation （简称 SAA ）战术资产配置Tactic Assets Allocation （简称 TAA ）流动性管理liquidity management资产负债管理Asset-Liability Management （简称 ALM ）久期匹配 duration matching现金流匹配 cash flow matching一般账户general account独立账户 separate account4、类别投资固定收益投资 fixed-income investment持有到期类资产held-to-maturity asset交易类资产trading asset可供出售类资产asset available for sale股票投资equity investment基金投资 fund investment另类投资alternative investment境外投资overseas investment基础设施债权计划infrastructure debt investment plan 未上市企业股权投资private equity investment不动产投资 real estate investment利率互换Interest Rate Swap（简称 IRS）均值一方差分析the mean-variance method5、第三方业务财富管理 wealth management第三方投资管理the third-party asset management企业年金 occupational annuity养老金pension集合投资产品collective investment fund。

保险专业英语词汇1:acceptance policy 核保政策2:accounting period 结算期3:aggregate limit 累积限额4:aggregated loss 累积损失5:Air Transportation Cargo War Risk 航空运输战争险6:All Risks 一切险7:antiselection 逆选择8:ART (Alternative Risk Transfer) 新型风险转移9:balance 所欠款项10:barrages 堰坝11:captive pools 自保组合12:catastrophe risk 巨灾风险13:ceiding company 分出公司14:cession limit 分保限额15:claim-prone 容易出险16:claims assistance 理赔协助17:clean cut 结清方式18:coinsurance 共保19:commencement and termination 起讫20:cover 承保21:cover 责任额22:deposit premium 预付保费23:destroyed 毁坏24:earth caves 土坏房屋25:endowment insurance 养老保险26:event limit 事件限额27:ex gratia payments 通融赔款28:excess loss 超额赔款29:exclusion 除外责任30:exposed areas 风险承受区域31:facultative reinsurance 临时分保32:fault zone 断层区33:finite risk 有限制的风险34:flash floods 骤发洪水35:flooding of rivers 洪水泛滥36:frame structure 框架结构37:Free from Particular Average(F.P.A.) 平安险38:full coverage 全额承保39:full insurance value 足额保险价值40:full liability 全部责任41:Geophysics Institute 地球物理研究所42:GNPI 总净保费收入43:hailstorm 雹暴44:health insurance 疾病保险，健康保险45:heavy damage 严重破坏46:hollow brick wall 空斗砖结构47:hour clause 小时条款48:individual losses 单一损失49:insurability 可保性50:insurance 保险;保险费;保险金额51:insurance against risk 保险52:insurance against total loss only (TLO) 全损险53:insurance against war risk 战争险54:insurance applicant 投保人55:insurance business 保险企业56:insurance clause 保险条款57:insurance conditions 保险条件58:insurance coverage;risks covered 保险范围59:insurance during a period of illness 疾病保险60:insurance for medical care 医疗保险61:insurance instruction 投保通知62:insurance of contents 家庭财产保险63:insurance on last survivor 长寿保险64:insurance slip 投保单65:insurance underwriter 保险承保人66:insured losses 保险损失67:insurer 保险人68:intensity 烈度69:layering 层次70:less exposed 损失可能性小71:liability 责任72:life insurance 人寿保险73:light damage 轻度破坏74:line slips 分保条75:loading 附加费76:loss occurrence 损失发生77:loss occurring basis 损失发生基础78:loss participation 分担损失79:loss settlement 损失赔付80:major medical insurance policy 巨额医药费保险 81:malicious damage 恶意损害82:moderate damage 中度破坏83:multi-story building 多层建建筑84:Munich Re 慕尼黑再85:net retained lines 净自留额86:net retained losses 损失净自赔额87:no profit commission 无纯益风险88:non-proportional reinsurance 非比例再保险89:notification 告知90:object 标的91:obligatory reinsurance 固定分保92:on deck risk 舱面险93:original deductibles 原始免赔额94:original rate 原始费率95:overland Transportation Insurance War Risk 陆上运输战争险 96:paid-up capital 已付资本97:peak accelerator 峰值加速度98:peril 危险99:personal property insurance 个人财产保险100:PICC Re 中保再101:placement 安排102:PML 可能最大损失103:policyholder 保单持有者104:pool 共保组合105:portfolio entry 未满期责任的出帐106:portfolio outgo 未满期责任的入帐107:possible maximum loss 可能的最大损失108:premium 保费109:premium 保费110:previous losses 既往损失111:primary insurance company 原保公司、主保险商112:principal/employer 业主113:priority 分保自留额114:priority 自付责任115:professional 专业险116:profit margin 利润边际117:property 财产险118:proportional reinsurance 比例再保险119:rainstorm 雨暴120:rating 费率121:reinforced concrete building 钢筋混凝土建筑122:reinstatement 恢复保额123:reinsured 分出公司124:reinsurer 再保险人125:retention 自留额126:retention areas 滞洪区127:return period 重现期128:revoke license 吊销营业执照129:risk of bad odour(change of flavour) 恶味险，变味险130:risk of breakage 破碎险131:risk of clashing 碰损险132:risk of contamination (tainting) 污染险133:risk of contingent import duty 进口关税险134:risk of deterioration 变质险135:risk of fresh and/of rain water damage(wetting) 淡水雨淋险 136:risk of inherent vice 内在缺陷险137:risk of leakage 渗漏险138:risk of mould 发霉险139:risk of normal loss (natural loss) 途耗或自然损耗险140:risk of packing breakage 包装破裂险141:risk of rust 生锈险142:risk of shortage in weight/quantity 短量险143:risk of spontaneous combustion 自然险144:risk of sweating and/or heating 受潮受热险145:seaquake 海震146:second event cover 第二事件承保147:securitization 证券化148:seismic demage 震害149:set-off 抵销150:shear wall structure 剪力墙结构。

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insuranceindustry保险业务结构businessstructures保险业主体bodies in InsuranceIndustry被保险人 insured 理赔 claim settlement承保利润微薄underwriting profit is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reinsurance2、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catastropheinsurance意外伤害保险 casualty accident insurance3、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sicknessinsurance 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-basedAssumed 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医疗保险 insurance for medical care 医疗费用保险 medical expenseinsurance 终身寿险 whole life insurance 准备金 reserve伤残收入保险 disability income insurance 失能 incapacity可变万能寿险Variable-universal life insurance可变年金Variable annuity评估价值Appraisal Value内含价值Embeded Value新业务价值Value of New Business税收优惠tax break税收递延型养老保险 Deferred tax endowment insurance大病医疗保险Large quantity medical insurance分红保险Participating Insurance传统保险traditional insurance理财型保险financial planning oriented insurance投资连结寿险unit— linked life insurance4、保险偿付能力风险资本要求 risk— basedcapital固定最低成本要求fixed minimum capital requirement保险偿付能力监管insurancesolvency regulation保险监管信息系统Insurance Regulatory InformationSystem财务分析跟踪系统Financial Analysis Tracking System偿付能力Solvency偿付能力不足 insolvent认可资产admissible assets第二部分保险资产管理1、行业主体和监管保险资产管理insurance asset management保险法insurance law保险资产管理公司insurance assetmanagement company中国人保集团People'slnsuranee Company of China（简称PICC）中国人保资产管理公司PICC Asset Management Company Limited 慕尼黑再保险资产管理公司Munieh ERGO AssetManagement GmbH （简称MEAG ）中国保监会Chi na In sura nee Regulatory Commissio n （简称CIRC）保险投资“新政” innovation polieies in insuranee investment可投资资产investable asset投资公司法案Investment Company Aet2、委托受托关系委托人elient受托人trustee委托管理mandate绝对收益absolute return相对收益relative return3、组合管理大类资产配置assetsalloeation战略资产配置Strategie Assets Alloeation （简称SAA ）战术资产配置Taetie AssetsAlloeation （简称TAA ）流动性管理liquidity management资产负债管理Asset-Liability Management （简称ALM ）久期匹配duration matehing现金流匹配eash flow matehing一般账户general aeeount独立账户separateaccount 4、类别投资固定收益投资fixed -income investment 持有到期类资产held- to-maturity asset 交易类资产trading asset 可供出售类资产assetavailable for sale 股票投资equity investment 基金投资fund investment 另类投资alternative investment 境外投资overseas investment 基础设施债权计划infrastructure debt investment plan 未上市企业股权投资private equity investment 不动产投资real estateinvestment利率互换Interest Rate Swap （简称IRS）均值一方差分析the mean-variance method5、第三方业务财富管理wealth management第三方投资管理the third-party assetmanagement 企业年金occupational annuity 养老金pension集合投资产品collective investment fund。

常用保险术语保险费率 premium rate单位保险金额应该收取的保险费。

损失 loss非故意的、非预期的和非计划的经济价值的减少或灭失。

通常分为直接损失和间接损失。

损失程度 loss severity保险标的可能遭受的损失的严重程度。

直接损失 direct loss由风险事故导致的财产本身的损失。

间接损失 indirect loss由直接损失引起的额外费用损失、收入损失和责任损失等无形损失。

保险 insurance投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。

财产保险 property insurance以财产及其有关利益为保险标的的保险。

企业财产保险 commercial property insurance以单位、团体所有或占有的在指定地点的财产及其有关利益为保险标的的财产保险。

营业中断保险 business interruption insurance以单位因停产、停业或经营受影响而面临的预期利润的减少及必要的费用支出为保险标的的财产保险。

机器损坏保险 machinery breakdown insurance以各类已安装完毕并投入运行的机器为保险标的财产保险。

货物运输保险 cargo insurance以运输途中的货物为保险标的保险。

海上货物运输保险 ocean marine cargo insurance以通过海上运输方式运输的货物作为保险标的的保险。

陆上货物运输保险 inland transit insurance以通过陆上运输方式运输的货物为保险标的的保险。

航空货物运输保险 air cargo insurance以通过航空运输方式运输的货物为保险标的的保险。

工程保险 engineering insurance;project insurance以工程项目中的财产及其赔偿责任为保险标的的保险。

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 claims assistance 容易出险理赔协助clean cut 结清方式coinsurance 共保commencement and termination 起讫cover cover 承保责任额deposit premium 预付保费destroyed 毁坏earth caves EPA event limit土坏房屋事件限额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 cover 承保责任额deposit premium 预付保费destroyed 毁坏earth caves 土坏房屋EPAevent 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proportional reinsurance rainstorm 雨暴rating 费率reinforced concrete building reinstatement 恢复保额reinsured 分出公司reinsurer 再保险人比例再保险钢筋混凝土建筑retention 自留额retention areas return period revoke license seaquake 海震second event cover滞洪区重现期吊销营业执照第二事件承保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 watertarrif 费率表TG 拐点周期易受水浸性tidal wave 海啸topographic map tornado 龙卷风total sum insured地形图总保额treaty-limits 合约限额tube structure 筒体结构underwriting policy 承保政策windstorm 风暴3proportional reinsurance 比例再保险rainstorm 雨暴rating 费率reinforced concrete building 钢筋混凝土建筑reinstatement 恢复保额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 地形图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proportional reinsurancerainstorm 雨暴rating 费率reinforced concrete buildingreinstatement 恢复保额reinsured 分出公司reinsurer 再保险人retention 自留额retention areas 滞洪区比例再保险钢筋混凝土建筑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 地形图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proportional reinsurance 比例再保险rainstorm 雨暴rating 费率reinforced concrete building 钢筋混凝土建筑reinstatement 恢复保额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 地形图tornado 龙卷风total sum insured 总保额treaty-limits 合约限额tube structure underwriting policy 筒体结构承保政策windstorm 风暴3proportional reinsurancerainstorm 雨暴rating 费率reinforced concrete buildingreinstatement 恢复保额reinsured reinsurer retention retention areas return period分出公司再保险人自留额滞洪区重现期比例再保险钢筋混凝土建筑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 地形图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proportional reinsurancerainstorm 雨暴rating 费率reinforced concrete building 比例再保险钢筋混凝土建筑reinstatement reinsured reinsurer retention retention areas return period恢复保额分出公司再保险人自留额滞洪区重现期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 地形图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 风暴自留return period(巨灾)间隔期short-tail短尾solvency margin赔偿能力standing charges维持费用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working expenses /cost。

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 Insurance 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 (TRND) 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ocean marine cargo insurance clauses 海洋运输货物保险条款transportation insurance 运输保险overland transportation insurance, land transit insurance 陆上运输保险insurance against air risk, air transportation insurance 航空运输保险parcel post insurance 邮包运输保险ocean marine cargo insurance, marine insurance 水险（海运货物保险）All Risks 一切险average 海损Particular Average (P.A) 单独海损General Average (G.A) 共同海损Marine Losses 海损partial loss 部分损失total loss 全部损失health insurance 疾病保险，健康保险sickness insurance 疾病保险insurance for medical care 医疗保险"major medical" insurance policy 巨额医药费保险insurance during a period of illness 疾病保险life insurance 人寿保险endowment insurance 养老保险insurance on last survivor 长寿保险to purchase health insurance 购买健康保险to have a health insurance policy 购买健康保险Additional Words and Phrasespolicy-holder 保险客户extra premium 额外保险费additional premium 附加保险费保险英语词汇Aabandonment 委付abandonment clause 委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss 累积损失all-risks policy 一切险保单antis election 逆选择applicant 投保人application 投保单approved 承保assignment clause 转让条款average 海损、海损分摊average adjuster 海损理算人average clause 共同海损分担条款保险英语词汇Bbalance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing 包装破碎险broker 经纪人保险英语词汇Ccapacity 承保能力captive 自保公司captive pools 自保组合cargo damage adjustment 货损理算cargo damage inspection 货损检验cargo damage prevention 货损预防cargo damage report 货损报告cargo damage survey 货损检查，货物损坏检验cargo insurance premium 货物保险费cargo insurance rate 货物保险费率cargo insurer 货物承保人cargo policy 货物保单，货物保险单cargo premium 货运保险费，货物保险费cargo underwriter 货物保险承保人（商），货险承保人，货物承保人cash loss 现金赔款cash value 现金价值catastrophe 巨灾catastrophe excess of loss（CXL）巨灾超赔\巨灾超赔分保categories of insurance 保险类别ceding company 分出公司ceding(insurance)company 分保公司ceding, retrocession(for reinsurance) 分保certificate of cargo damage 货损证明certificate of insurance 保险证明、保险凭证cession limit 分保限额China Insurance Clause (CIC) 中国保险条款claim 索赔claim assessor 索赔人claim settlement 理赔claim-prone 容易出险claims and arbitration 索赔与仲裁claims assistance 理赔协助clash and breakage 碰损，破碎险clean cut 结清方式coinsurance 共保co-insurance 共同保险co-insurance company 共同保险公司combined ratio 综合赔付率commencement and termination 起讫concurrent insurance 同时保险consequential loss (CL) 后果损失constructive total loss 推定全损contingent liquidity 或有流动性continued insurance 继续保险co-related risks 关联风险cover 承保、责任额cover note 保险证明书,承保单，保险证明cover note 暂保单（证明同意承保的临时文件）coverage 受保范围保险英语词汇Ddamage 损坏赔偿金damage cargo clerk 理残员，货损管理员damage cargo list 货损单，残货单damage certificate 损坏证明书damage claim 损坏索赔damaged by other cargo 由其他货物损害damaged cargo list 受损货物单damaged cargo report 受损货物报告书，货物损害报告deductibles 免赔额deposit premium 预付保费destroyed 毁坏disbursement policy (船舶)驶费保险单dividend system 红利制度double insurance 双保险dual valuation clause 双重价值条款保险英语词汇Eemployer 业主Endorsement 批单endorsement: 签注endowment insurance 养老保险endowment policy 人寿定期保险单event limit 事件限额ex gratia payments 通融赔款excess loss 超额赔款excess of loss cover 超额赔偿excess of loss（XL) 超赔分保exclusion 除外责任EXL protection 超赔保障exposed areas 风险承受区域exposure rating 风险评估extended-term insurance 过期保险extra charges 额外费用extra premium 额外保险费extraneous risks (additional risks) 附加险保险英语词汇Ffacultative business 临分保facultative reinsurance 临时分保fault liability 过失责任financial quota shares 成数分保fine print 细则finite risk 有限制的风险finite risk transfer 有限风险转移floating policy 浮动保险单franchise (deductible) 免赔额；免赔率free of all average (FAA) 全损赔偿freight insurance 运费保险freight policy 运费保险单full coverage 全额承保full insurance 全额保险full insurance value 足额保险价值full liability 全部责任保险英语词汇Ggeneral average（GA）共同海损grace period 宽限期gross net premium income（GNPI）总净保费收入group insurance 团体保险guarantee of insurance 保险担保书保险英语词汇Hhazard 危险因素health insurance 疾病保险，健康保险heavy damage 严重破坏holistic risk transfer 整体风险转移hook damage 勾（钩）损险hour clause 小时条款保险英语词汇IIBRN reserve 已发生但未报的损失储备金，IBRN储备金import cargo insurance 进口货物保险increased value clause 增值条款increased value insurance 增值保险increasing coverage, extending coverage 加保Incurred but not reported losses(IBRN) 已发生但未报的损失indemnity limit 赔偿期限indemnity period 赔偿期individual losses 单一损失industrial insurance 产业保险inflated claim 超额索赔inherent nature of cargo 货物的固有性inherent vice 内在缺陷inherent vice of cargo 货物固有缺陷inspection of cargo 积货鉴定，货物检验，检查货物inspection of cargo GA or PA 海损(单独海损或共同海损)鉴定inspection on damaged cargo 货物残损检验installment insurance 分期付款保险Institute Cargo Clauses (ICC，I.C.C.) 协会货物（保险）条款insurability 可保性insurance 保险，保险费，保险金额insurance act 保险条例insurance against risk 保险insurance agent(s) 保险代理，保险代理人insurance amount 保险金额\保险额insurance applicant 投保人insurance assessor 保险公估人insurance broker 保险经纪人insurance business 保险企业\保险业insurance capacity 承保能力insurance certificate 保险凭证\保险证书insurance claim 保险索赔insurance clause 保险条款insurance commission 保险佣金insurance company 保险公司insurance conditions 保险条件\保险契约约定条款insurance contract 保险合同insurance corporation 保险公司insurance coverage 保险范围，保额insurance declaration sheet(bordereau) 保险申报单(明细表) insurance division 保险部insurance document 保险单据insurance expense 保险费insurance fond 保险基金insurance industry 保险业insurance instruction 投保通知，投保须知insurance law 保险法insurance on last survivor 长寿保险insurance period 保险期限insurance policy 保险单\保单insurance premium 保险费insurance proceeds 保险金（保险收入）,保险赔偿金，保险赔款insurance rate 保险费率表insurance securitization 保险证券化insurance slip 投保单\投保申请书insurance subject 保险标的insurance treaty 保险合同insurance underwriter 保险承保人insurance value(insurance amount) 保险金额insurant 被保险人，受保人insure 保险、投保、保证insured 被保险人insured amount 保险金额insured loss 保险损失insured property 参保物业Insured Value 保险价值insurer 保险人、保险公司，保险商insurer (underwriter) 承保人、保险人investment insurance 投资保险保险英语词汇J-LJjettison 投弃Llaw of insurance 保险法law of large numbers 大数法则leaflet 说明书less exposed 损失可能性小letter of guarantee 保函，保证书liability 责任liability insurance 责任保险license bond 执照保险life assured 人寿保险投保人life expectancy 平均余命life fund 人寿保险基金life insurance 人寿保险life insurance actuary 人寿保险精算师life insurance reserve 人寿保险责任准备金life Table 生命表light damage 轻度破坏limits 投保限额line slips 分保条liquidity support 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费loss adjuster 损失理算人loss occurrence 损失发生loss occurring basis 损失发生基础loss of profit 利损险loss participation 分担损失loss ratio 损失率loss ratio 赔付率loss settlement 损失赔付保险英语词汇Mmail contractor 承包商main risks 主险maintenance 保证期malicious damage 恶意损害marine insurance 海上运输保险，水险marine losses 海损medical insurance 医疗保险mortality tables 死亡率表（用于计算保险风险）multiple claim 多次（重复）索赔multiple insurance 重复保险mutual insurance 相互保险mutual insurance company 相互保险公司保险英语词汇NNatCat pooling 自然灾害共保natural catastrophe（NatCat）自然灾害natural premium 自然纯保费net retained lines 净自留额net retained losses 损失净自赔额no profit commission 无纯益风险no-claims bonus 无索偿奖金non-life 非寿险non-proportional reinsurance 非比例再保险notification 告知保险英语词汇Oobject 标的obligatory reinsurance 固定分保ocean marine cargo clauses 海洋运输货物保险条款on deck risk 舱面险open policy 预约保险单open policy insurance 预约保险original deductibles 原始免赔额original rate 原始费率over insurance 超额保险overland （transportation） insurance 陆上运输保险保险英语词汇Pparcel post insurance 邮包运输保险partial loss 部分损失particular average (PA) 单独海损peril 危险、危险事故perils of the sea 海上风险permit bond 许可证保险placement 安排policy 保单、保险单、保险契约policy holder 保险客户\保险单持有人policy package 承保多项内容的保险单policy proof of interest 保险单权益证明policy reserves 保险单责任准备金policy-holder 保险客户policyholder 保单持有者policy-holder 保险客户pool 共保组合、合保pool 联营pool administrator 共保组合管理人portfolio entry 未满期责任的出帐portfolio outgo 未满期责任的入帐possible maximum loss（PML）可能最大损失post-financing 后融资post-funding 后融资pre-financing 先融资pre-funding 先融资premium 保险费premium rate 保险费率premium rebate 保险费回扣previous losses 既往损失primary insurance company 原保公司、主保险商principal 业主principle of compensation 补偿原则priority 分保自留额、自付责任priority (deductible) 优先（免赔额)proceeds 收益professional 专业险profit margin 利润边际property 财产险property covered 受保财产property insurance 财产保险proportional cover 比例分保proportional reinsurance 比例再保险proximate cause 近因punitive damage 惩罚性损害pure endowments 定期生存保险pure risk 纯粹危险保险英语词汇Rrain insurance 雨水保险rainstorm 雨暴rate 费率rating 费率recovery 追偿金reinstate 复效reinstated 继单reinstatement 恢复保额reinstatement value insurance 重置价值保险reinsurance 分保、再保险、转保reinsured 分出公司reinsurer 分保人（分保公司）、再保险人rejection risk 拒收险renew coverage 续保renewal 续保；延期renewal premium 续保费renewing coverage 续保reserve 准备金retention 自留、自留额return period 重现期revoke license 吊销营业执照riot insurance 骚乱保险risk 险别、风险、保险，保险额risk carrier 风险承担人risk covered 承保险项risk insured 承保险项risk management 危险管理risk premium 风险保费\风险贴水、风险溢价risk unit 危险单位risks covered 保险范围保险英语词汇Ssalvage charge 救助费用salvage value 残值，获救货物或船舶的价值second event cover 第二事件承保set-off 抵销settlement of claim 理赔sickness insurance 疾病保险social insurance 社会保险solvency 偿付能力solvency margin 赔偿能力spread loss 分散风险standing charges 维持费用stop loss 赔付率超赔sub-contractor 分承包商subject insured 风险标的subrogation center 代位求偿权sue and labor expenses 施救费用suicide clauses 自杀条款sum insured 保险金额、保额surplus insurance 盈余保险survey at jetty risk 码头检验险survey in customs risk 海关检验险保险英语词汇Ttariff 费率表tariff zone 险区term insurance 定期保险TG 拐点周期the insured 被保险人，受保人time policy 定期保险单topographic map 地形图total loss 全部损失total sum insured 总保额treaties business 合同分保treaty reinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇Uunder insurance 低额保险underwriters 保险商（指专保水险的保险商）、保险承运人、保险公司underwriting 承保underwriting policy 承保政策unvalued insurance 不定值保险unvalued policy 不定值保单utmost good faith 最大诚信保险英语词汇V-ZVvalued insurance 定值保险voluntary insurance 自动保险Wwaiver and estoppels 弃权与禁止反言windstorm 风暴working cost 营业费用working expenses 营业费用writing 承保written premiums 承保保费。