保险专业英语常用词汇说课讲解

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hollow brick wall 空斗砖结构hour clause 小时条款hurricane 飓风individual losses 单一损失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loss participation 分担损失loss settlement 损失赔付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 损失净自赔额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 可能最大损失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risk of sweating and/or heating 受潮受热险5保险英语翻译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6保险英语翻译保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，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意外伤害险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)7保险英语翻译，保险专业词汇。

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insurance against extraneous risks, insurance against additional risks 附加险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individual losses 单一损失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loss participation 分担损失loss settlement 损失赔付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 损失净自赔额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5保险英语翻译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6保险英语翻译保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP预期利润损失险，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意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlementPICC Re 中保再placement 安排PML 可能最大损失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 既往损失priority 分保自留额priority 自付责任3保险英语词汇表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 地形图理赔combined ratio综合赔付率Consequential Loss (CL7保险英语翻译，保险专业词汇。

保险行业常用到的英语在现代风险增多的同时，也促进了保险行业的发展。

关于保险行业，你知道哪些常被使用的单词吗?1).insure v.投保，给……保险I would like to insure this building against fire我想为这座大楼投火险。

2).life insurance 人寿保险Can you explain something about the life insurance to me?你能给我解释一下人寿保险方面的事吗?3).loss n.损失Due to great loss of blood, he is unconscious at this moment 由于失血过多，他此刻昏迷不醒了。

4).probability n.可能性，概率The probability of getting his instruction will increase if you visit him in person如果你亲自拜访他，得到他指导的.机会就会增加。

5).possibility n.可能，可能性Is there any possibility that I will go shopping together with you this weekend?这周末我有可能和你一起去购物吗?6).assess v.评价，估算If you assess the market value of your house,I think you can sell it at a good price.如果你估算一下你房子的市场价值，我觉得你能卖个好价钱的。

7).assure v.确保，使确定Only if you can assure me that you will return my car in two days,I will lend it to you.只有你能保证两天内把车归还给我，我才会把它借给你。

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individual losses 单一损失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loss participation 分担损失loss settlement 损失赔付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 损失净自赔额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5保险英语翻译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6保险英语翻译保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP预期利润损失险，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意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlement理赔combined ratioPICC Re 中保再placement 安排PML 可能最大损失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 既往损失priority 分保自留额priority 自付责任3保险英语词汇表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 地形图综合赔付率Consequential Loss (CL7保险英语翻译，保险专业词汇。

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5保险英语翻译risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险individual losses 单一损失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loss participation 分担损失loss settlement 损失赔付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 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例on deck risk 舱面险6保险英语翻译保险业词汇Terms used in insurance industry accident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，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意外伤害险catastrophe巨灾险ceding company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 可能最大损失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 既往损失priority 分保自留额priority 自付责任3保险英语词汇表proportional reinsurance 比例再保险rainstorm 雨暴分出公司claim索赔claim settlement理赔combined ratio综合赔付率Consequential Loss (CL)7保险英语翻译，保险专业词汇。

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。

欢迎共阅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 industry2、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 Act4、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）。

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 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。

欢迎共阅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 industry2、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 Act4、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）。

保险英语常用词汇Document serial number【NL89WT-NY98YT-NC8CB-NNUUT-NUT108】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insuranceagainstwarrisk战争险AirTransportationCargoWarRisk航空运输战争险overlandTransportationInsuranceWarRisk陆上运输战争险insuranceagainststrike,riotandcivilcommotion(SRCC)罢工，暴动，民变险insuranceagainstextraneousrisks,insuranceagainstadditionalrisks附加险riskoftheft,pilferageandnondelivery(TRND)盗窃提货不着险riskoffreshand/ofrainwaterdamage(wetting)淡水雨淋险riskofleakage渗漏险riskofshortageinweight/quantity短量险riskofsweatingand/orheating受潮受热险riskofbadodour(changeofflavour)恶味险，变味险riskofmould发霉险ondeckrisk舱面险oceanmarinecargoinsuranceclauses海洋运输货物保险条款transportationinsurance运输保险overlandtransportationinsurance,landtransitinsurance陆上运输保险insuranceagainstairrisk,airtransportationinsurance航空运输保险parcelpostinsurance邮包运输保险oceanmarinecargoinsurance,marineinsurance水险（海运货物保险）AllRisks一切险average海损ParticularAverage(P.A)单独海损GeneralAverage(G.A)共同海损MarineLosses海损partialloss部分损失totalloss全部损失healthinsurance疾病保险，健康保险sicknessinsurance疾病保险insuranceformedicalcare医疗保险"majormedical"insurancepolicy巨额医药费保险insuranceduringaperiodofillness疾病保险lifeinsurance人寿保险endowmentinsurance养老保险insuranceonlastsurvivor长寿保险topurchasehealthinsurance购买健康保险tohaveahealthinsurancepolicy购买健康保险AdditionalWordsandPhrasespolicy-holder保险客户extrapremium额外保险费additionalpremium附加保险费保险英语词汇Aabandonment?委付abandonmentclause?委付条款accident?意外事故accountingperiod?结算期actofgod?不可抗力actualtotalloss?实际全损actuarialmethod?精算法actuary?保险精算师additionalpremium?附加保险费additionalrisk?附加险advanceprofit?预期利润aggregatelimit?累积限额aggregatedloss?累积损失all-riskspolicy?一切险保单antiselection?逆选择applicant?投保人application?投保单approved?承保assignmentclause?转让条款average?海损、海损分摊averageadjuster?海损理算人averageclause?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bindingslip?暂保单breakageofpacking?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captivepools?自保组合cargodamageadjustment?货损理算cargodamageinspection?货损检验cargodamageprevention?货损预防cargodamagereport?货损报告cargodamagesurvey?货损检查，货物损坏检验cargoinsurancepremium?货物保险费cargoinsurancerate?货物保险费率cargoinsurer?货物承保人cargopolicy?货物保单，货物保险单cargopremium?货运保险费，货物保险费cargounderwriter?货物保险承保人（商），货险承保人，货物承保人cashloss?现金赔款cashvalue?现金价值catastrophe巨灾catastrophe?excessofloss（CXL）巨灾超赔\巨灾超赔分保categoriesofinsurance?保险类别cedingcompany?分出公司ceding(insurance)company?分保公司ceding,retrocession(forreinsurance)分保certificateofcargodamage?货损证明certificateofinsurance?保险证明、保险凭证cessionlimit?分保限额ChinaInsuranceClause(CIC)中国保险条款claim?索赔claimassessor?索赔人claimsettlement?理赔claim-prone?容易出险claimsandarbitration?索赔与仲裁claimsassistance?理赔协助clashandbreakage?碰损，破碎险cleancut?结清方式coinsurance?共保co-insurance?共同保险co-insurancecompany?共同保险公司combinedratio?综合赔付率commencementandtermination?起讫concurrentinsurance?同时保险consequentialloss(CL)后果损失constructivetotalloss?推定全损contingentliquidity?或有流动性continuedinsurance?继续保险co-relatedrisks?关联风险cover?承保、责任额covernote?保险证明书,承保单，保险证明covernote?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damagecargoclerk?理残员，货损管理员damagecargolist?货损单，残货单damagecertificate?损坏证明书damageclaim?损坏索赔damagedbyothercargo?由其他货物损害damagedcargolist?受损货物单damagedcargoreport?受损货物报告书，货物损害报告deductibles?免赔额depositpremium?预付保费destroyed?毁坏disbursementpolicy?(船舶)驶费保险单dividendsystem?红利制度doubleinsurance?双保险dualvaluationclause?双重价值条款保险英语词汇Eemployer?业主Endorsement?批单endorsement:签注endowmentinsurance?养老保险endowmentpolicy?人寿定期保险单eventlimit?事件限额exgratiapayments?通融赔款excessloss?超额赔款excessoflosscover?超额赔偿excessofloss（XL)超赔分保exclusion?除外责任EXLprotection?超赔保障exposedareas?风险承受区域exposurerating?风险评估extended-terminsurance?过期保险extracharges?额外费用extrapremium?额外保险费extraneousrisks(additionalrisks) 附加险保险英语词汇Ffacultativebusiness?临分保facultativereinsurance?临时分保faultliability?过失责任financialquotashares?成数分保fineprint?细则?finiterisk?有限制的风险finiterisktransfer?有限风险转移floatingpolicy?浮动保险单franchise(deductible)免赔额；免赔率freeofallaverage(FAA)全损赔偿freightinsurance?运费保险freightpolicy?运费保险单fullcoverage?全额承保fullinsurance?全额保险fullinsurancevalue?足额保险价值fullliability?全部责任保险英语词汇Ggeneralaverage（GA）共同海损graceperiod?宽限期grossnetpremiumincome（GNPI）总净保费收入groupinsurance?团体保险guaranteeofinsurance?保险担保书保险英语词汇Hhazard?危险因素healthinsurance?疾病保险，健康保险heavydamage?严重破坏holisticrisktransfer?整体风险转移hookdamage?勾（钩）损险hourclause?小时条款保险英语词汇IIBRNreserve?已发生但未报的损失储备金，IBRN储备金importcargoinsurance?进口货物保险increasedvalueclause?增值条款increasedvalueinsurance?增值保险increasingcoverage,extendingcoverage?加保Incurredbutnotreportedlosses(IBRN)已发生但未报的损失indemnitylimit?赔偿期限indemnityperiod?赔偿期individuallosses?单一损失industrialinsurance?产业保险inflatedclaim?超额索赔inherentnatureofcargo?货物的固有性inherentvice?内在缺陷inherentviceofcargo?货物固有缺陷inspectionofcargo?积货鉴定，货物检验，检查货物inspectionofcargoGAorPA?海损(单独海损或共同海损)鉴定inspectionondamagedcargo?货物残损检验installmentinsurance?分期付款保险InstituteCargoClauses协会货物（保险）条款insurability?可保性insurance?保险，保险费，保险金额? insuranceact?保险条例insuranceagainstrisk?保险?insuranceagent(s)保险代理，保险代理人insuranceamount?保险金额\保险额insuranceapplicant?投保人? insuranceassessor?保险公估人insurancebroker?保险经纪人? insurancebusiness?保险企业\保险业insurancecapacity?承保能力insurancecertificate?保险凭证\保险证书insuranceclaim?保险索赔insuranceclause?保险条款? insurancecommission?保险佣金insurancecompany?保险公司? insuranceconditions?保险条件\保险契约约定条款insurancecontract?保险合同insurancecorporation?保险公司insurancecoverage?保险范围，保额insurancedeclarationsheet(bordereau)保险申报单(明细表)insurancedivision?保险部insurancedocument?保险单据insuranceexpense?保险费?insurancefond?保险基金insuranceindustry?保险业insuranceinstruction?投保通知，投保须知insurancelaw?保险法insuranceonlastsurvivor?长寿保险insuranceperiod?保险期限insurancepolicy?保险单\保单insurancepremium?保险费insuranceproceeds?保险金（保险收入）,保险赔偿金，保险赔款insurancerate?保险费率表?insurancesecuritization?保险证券化insuranceslip?投保单\投保申请书insurancesubject?保险标的insurancetreaty?保险合同insuranceunderwriter?保险承保人insurancevalue(insuranceamount)保险金额insurant?被保险人，受保人insure?保险、投保、保证insured被保险人insuredamount?保险金额?insuredloss?保险损失insuredproperty?参保物业InsuredValue?保险价值insurer?保险人、保险公司，保险商insurer(underwriter)承保人、保险人investmentinsurance?投资保险保险英语词汇J-LJjettison投弃Llawofinsurance?保险法lawoflargenumbers?大数法则leaflet?说明书?lessexposed?损失可能性小letterofguarantee?保函，保证书liability?责任liabilityinsurance?责任保险licensebond?执照保险lifeassured?人寿保险投保人lifeexpectancy?平均余命lifefund?人寿保险基金lifeinsurance?人寿保险lifeinsuranceactuary?人寿保险精算师lifeinsurancereserve?人寿保险责任准备金lifeTable?生命表lightdamage?轻度破坏limits?投保限额lineslips?分保条liquiditysupport?提供流动资金Lloyd?劳合社loading?附加费loading?人寿保险附加费lossadjuster?损失理算人lossoccurrence?损失发生lossoccurringbasis?损失发生基础lossofprofit?利损险lossparticipation?分担损失lossratio?损失率lossratio?赔付率losssettlement?损失赔付保险英语词汇Mmailcontractor?承包商mainrisks?主险maintenance?保证期maliciousdamage?恶意损害marineinsurance?海上运输保险，水险marinelosses?海损medicalinsurance?医疗保险mortalitytables?死亡率表（用于计算保险风险）multipleclaim?多次（重复）索赔multipleinsurance?重复保险mutualinsurance?相互保险mutualinsurancecompany?相互保险公司保险英语词汇NNatCatpooling?自然灾害共保naturalcatastrophe（NatCat）自然灾害naturalpremium?自然纯保费netretainedlines?净自留额netretainedlosses?损失净自赔额noprofitcommission?无纯益风险no-claimsbonus?无索偿奖金non-life?非寿险non-proportionalreinsurance?非比例再保险notification?告知保险英语词汇Oobject?标的obligatoryreinsurance?固定分保oceanmarinecargoclauses?海洋运输货物保险条款ondeckrisk?舱面险openpolicy?预约保险单openpolicyinsurance?预约保险originaldeductibles?原始免赔额originalrate?原始费率overinsurance?超额保险overland（transportation）insurance?陆上运输保险保险英语词汇Pparcelpostinsurance?邮包运输保险partialloss?部分损失particularaverage(PA)单独海损peril?危险、危险事故perilsofthesea?海上风险permitbond?许可证保险placement?安排policy?保单、保险单、保险契约policyholder?保险客户\保险单持有人policypackage?承保多项内容的保险单policyproofofinterest?保险单权益证明policyreserves?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pooladministrator?共保组合管理人portfolioentry?未满期责任的出帐portfoliooutgo?未满期责任的入帐possiblemaximumloss（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?premiumrate?保险费率?premiumrebate?保险费回扣? previouslosses?既往损失primaryinsurancecompany?原保公司、主保险商principal?业主principleofcompensation?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profitmargin?利润边际property?财产险propertycovered?受保财产propertyinsurance?财产保险proportionalcover?比例分保proportionalreinsurance?比例再保险proximatecause?近因?punitivedamage?惩罚性损害pureendowments?定期生存保险?purerisk?纯粹危险保险英语词汇Rraininsurance?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reinstatementvalueinsurance?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rejectionrisk?拒收险renewcoverage?续保renewal?续保；延期renewalpremium?续保费renewingcoverage?续保reserve准备金retention?自留、自留额returnperiod?重现期revokelicense?吊销营业执照riotinsurance?骚乱保险risk?险别、风险、保险，保险额riskcarrier?风险承担人riskcovered?承保险项?riskinsured?承保险项riskmanagement?危险管理riskpremium?风险保费\风险贴水、风险溢价riskunit?危险单位?riskscovered?保险范围保险英语词汇Ssalvagecharge?救助费用? salvagevalue?残值，获救货物或船舶的价值secondeventcover?第二事件承保set-off?抵销settlementofclaim?理赔sicknessinsurance?疾病保险socialinsurance?社会保险solvency?偿付能力solvencymargin?赔偿能力spreadloss?分散风险standingcharges?维持费用stoploss?赔付率超赔sub-contractor?分承包商subjectinsured?风险标的subrogationcenter?代位求偿权? sueandlaborexpenses?施救费用? suicideclauses?自杀条款?suminsured?保险金额、保额surplusinsurance?盈余保险surveyatjettyrisk?码头检验险surveyincustomsrisk?海关检验险保险英语词汇Ttariff?费率表tariffzone?险区terminsurance?定期保险TG?拐点周期theinsured?被保险人，受保人?timepolicy?定期保险单topographicmap?地形图totalloss?全部损失totalsuminsured?总保额treatiesbusiness?合同分保treatyreinsurance?合约再保险treaty-limits?合约限额turnover?营业额保险英语词汇Uunderinsurance?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underwritingpolicy?承保政策unvaluedinsurance?不定值保险?unvaluedpolicy?不定值保单utmostgoodfaith?最大诚信保险英语词汇V-ZV?valuedinsurance?定值保险?voluntaryinsurance?自动保险Wwaiverandestoppels弃权与禁止反言windstorm?风暴workingcost?营业费用workingexpenses?营业费用writing?承保writtenpremiums?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insuranceindustry保险业务结构businessstructures保险业主体bodiesinInsuranceIndustry被保险人insured理赔claimsettlement承保利润微薄underwritingprofitisslight承保能力insurancecapacity承保业务underwritingoperation未决赔款储备金reserveIBRN大数法则LawofLargeNumbers营业额turnover市场缺陷marketimperfections社会保险socialinsurance个人代理人personalagent银行保险bankinsurance直销straightpin佣金brokerage手续费commissioncharges再保险reinsurance2、财产保险财产保险propertyinsurance长尾long－tail长期护理保险long—termcareinsurance短尾short－tail综合赔付率combinedratio自留retention车险autoinsurance财产保险propertyinsurance责任保险liabilityinsurance农业保险agriculturalinsurance巨灾保险catastropheinsurance意外伤害保险casualtyaccidentinsurance3、寿险词汇变额寿险variablelifeinsurance长寿保险insuranceonlastsurvivor定期寿险terminsurance合同储蓄机构contractualsavinginstitutions红利dividend疾病保险sicknessinsurance简易险industrialinsurance健康保险healthinsurance巨额医药费保险majormedical"insurancepolicy可变保费寿险flexible—premiumlifeinsurance利差损interestspreadrisk利率敏感型产品interest—sensitivewholelife赔期/期限indemnityperiod/limit普通寿险ordinarylifeinsurance人寿保险lifeinsurance预定利率市场化Market-basedAssumedInterestRate团险groupinsurance限期缴费终身寿险limited—paymentwholelifeinsurance 养老保险endowmentinsurance医疗保险insuranceformedicalcare医疗费用保险medicalexpenseinsurance终身寿险wholelifeinsurance准备金reserve伤残收入保险disabilityincomeinsurance失能incapacity可变万能寿险Variable-universallifeinsurance可变年金Variableannuity评估价值AppraisalValue内含价值EmbededValue新业务价值ValueofNewBusiness税收优惠taxbreak税收递延型养老保险Deferredtaxendowmentinsurance 大病医疗保险Largequantitymedicalinsurance分红保险ParticipatingInsurance传统保险traditionalinsurance理财型保险financialplanningorientedinsurance投资连结寿险unit—linkedlifeinsurance4、保险偿付能力风险资本要求risk—basedcapital固定最低成本要求fixedminimumcapitalrequirement 保险偿付能力监管insurancesolvencyregulation保险监管信息系统InsuranceRegulatoryInformationSystem财务分析跟踪系统FinancialAnalysisTrackingSystem 偿付能力Solvency偿付能力不足insolvent认可资产admissibleassets第二部分保险资产管理1、行业主体和监管保险资产管理insuranceassetmanagement保险法insurancelaw保险资产管理公司insuranceassetmanagementcompany中国人保集团People'sInsuranceCompanyofChina(简称PICC)中国人保资产管理公司PICCAssetManagementCompanyLimited慕尼黑再保险资产管理公司MunichERGOAssetManagementGmbH（简称MEAG）中国保监会ChinaInsuranceRegulatoryCommission（简称CIRC）保险投资“新政”innovationpoliciesininsuranceinvestment可投资资产investableasset投资公司法案InvestmentCompanyAct2、委托受托关系委托人client受托人trustee委托管理mandate绝对收益absolutereturn相对收益relativereturn3、组合管理大类资产配置assetsallocation战略资产配置StrategicAssetsAllocation（简称SAA）战术资产配置TacticAssetsAllocation（简称TAA）流动性管理liquiditymanagement资产负债管理Asset-LiabilityManagement（简称ALM）久期匹配durationmatching现金流匹配cashflowmatching一般账户generalaccount独立账户separateaccount4、类别投资固定收益投资fixed-incomeinvestment持有到期类资产held-to-maturityasset交易类资产tradingasset可供出售类资产assetavailableforsale股票投资equityinvestment基金投资fundinvestment另类投资alternativeinvestment境外投资overseasinvestment基础设施债权计划infrastructuredebtinvestmentplan 未上市企业股权投资privateequityinvestment不动产投资realestateinvestment利率互换InterestRateSwap（简称IRS）均值一方差分析themean-variancemethod5、第三方业务财富管理wealthmanagement第三方投资管理thethird-partyassetmanagement企业年金occupationalannuity养老金pension集合投资产品collectiveinvestmentfund。

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individual losses 单一损失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loss participation 分担损失loss settlement 损失赔付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 损失净自赔额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5保险英语翻译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6保险英语翻译保险业词汇Terms used in insurance industryaccident意外事故险actuarial method精算法Advance Loss Profits (ALOP预期利润损失险，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意外伤害险catastrophe巨灾险ceding company分出公司claim索赔claim settlement理赔combined ratioPICC Re 中保再placement 安排PML 可能最大损失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 既往损失priority 分保自留额priority 自付责任3保险英语词汇表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 地形图综合赔付率Consequential Loss (CL7保险英语翻译，保险专业词汇。

欢迎共阅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 industry2、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 Act4、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）。

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 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5保险英语翻译risk of bad odour(change of flavour) 恶味险，变味险risk of mould 发霉险individual losses 单一损失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loss participation 分担损失loss settlement 损失赔付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 损失净自赔额no profit commission 无纯益风险non-proportional reinsurance 非比例on deck risk 舱面险6保险英语翻译保险业词汇Terms used in insurance industry accident意外事故险actuarial method精算法Advance Loss Profits (ALOP)预期利润损失险，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意外伤害险catastrophe巨灾险ceding company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 可能最大损失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 既往损失priority 分保自留额priority 自付责任3保险英语词汇表proportional reinsurance 比例再保险rainstorm 雨暴分出公司claim索赔claim settlement理赔combined ratio综合赔付率Consequential Loss (CL)7保险英语翻译，保险专业词汇。

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。