保險詞匯

health insurance 　 疾病保險，健康保險 
sickness insurance　 疾病保險 
insurance during a period of illness　疾病保險 
insurance for medical care　醫(yī)療保險 
major medical insurance policy 　巨額醫(yī)藥費保險 
life insurance 　人壽保險 
endowment insurance 　養(yǎng)老保險 
insurance on last survivor 　長壽保險 
social insurance　 社會保險 
personal property insurance 　個人財產保險 
insurance of contents　 家庭財產保險

Free from Particular Average（F.P.A.）　 平安險 
With Particular Average （W.P.A.）　 水漬險 
All Risks　 一切險 
risk of breakage 　破碎險 
risk of clashing　 碰損險 
risk of rust　 生銹險 
risk of hook damage　 鉤損險 
risk of contamination (tainting) 　污染險 
insurance against total loss only (TLO) 　全損險 
risk of deterioration 　變質險 
risk of packing breakage　 包裝破裂險 
risk of inherent vice　 內在缺陷險 
risk of normal loss (natural loss)　 途耗或自然損耗險 
risk of spontaneous combustion 　自然險 
risk of contingent import duty 　進口關稅險 
insurance against war risk 　戰(zhàn)爭險 
Air Transportation Cargo War Risk　 航空運輸戰(zhàn)爭險 
overland Transportation Insurance War Risk　 陸上運輸戰(zhàn)爭險 
insurance against strike, riot and civil commotion (SRCC)　罷工，暴動，民變險 
insurance against extraneous risks, insurance against additional risks　 附加險 
risk of theft, pilferage and nondelivery (TPND) 　盜竊提貨不著險 
risk of fresh and/of rain water damage(wetting) 　淡水雨淋險 
risk of leakage　 滲漏險 
risk of shortage in weight/quantity 　短量險 
risk of sweating and/or heating 　受潮受熱險 
risk of bad odour(change of flavour)　惡味險，變味險 
risk of mould 　發(fā)霉險 
on deck risk　 艙面險

acceptance policy 核保政策 
accounting period 結算期 
aggregate limit 累積限額 
aggregated loss 累積損失 
antiselection 逆選擇 
ART (Alternative Risk Transfer) 新型風險轉移 
balance 所欠款項 
barrages 堰壩 
captive pools 自保組合 
catastrophe risk 巨災風險 
ceiding company 分出公司 
cession limit 分保限額 
claim-prone 容易出險 
claims assistance 理賠協助 
clean cut 結清方式 
coinsurance 共保 
commencement and termination 起訖 
cover 承保 
cover 責任額 
deposit premium 預付保費 
destroyed 毀壞 
earth caves 土壞房屋 
EPA 
event limit 事件限額 
ex gratia payments 通融賠款 
excess loss 超額賠款 
exclusion 除外責任 
exposed areas 風險承受區(qū)域 
facultative reinsurance 臨時分保 
fault zone 斷層區(qū) 
finite risk 有限制的風險 
flash floods 驟發(fā)洪水 
flooding of rivers 洪水泛濫 
frame structure 框架結構 
full coverage 全額承保 
full insurance value 足額保險價值 
full liability 全部責任 
Geophysics Institute 地球物理研究所 
GNPI 總凈保費收入 
hailstorm 雹暴 
heavy damage 嚴重破壞 
hollow brick wall 空斗磚結構 
hour clause 小時條款 
hurricane 颶風 
individual losses 單一損失 
insurability 可保性 
insured losses 保險損失 
intensity 烈度 
layering 層次 
less exposed 損失可能性小 
liability 責任 
light damage 輕度破壞 
line slips 分保條 
loading 附加費 
loss occurrence 損失發(fā)生 
loss occurring basis 損失發(fā)生基礎 
loss participation 分擔損失 
loss settlement 損失賠付 
magnitude 震級 
malicious damage 惡意損害 
moderate damage 中度破壞 
multi-story building 多層建建筑 
Munich Re 慕尼黑再 
net retained lines 凈自留額 
net retained losses 損失凈自賠額 
no profit commission 無純益風險 
non-proportional reinsurance 非比例再保險 
notification 告知 
object 標的 
obligatory reinsurance 固定分保 
original deductibles 原始免賠額 
original rate 原始費率 
paid-up capital 已付資本 
peak accelerator 峰值加速度 
peril 危險 
PICC Re 中保再 
placement 安排 
PML 可能最大損失 
policyholder 保單持有者 
pool 共保組合 
portfolio entry 未滿期責任的出帳 
portfolio outgo 未滿期責任的入帳 
premium 保費 
previous losses 既往損失 
priority 分保自留額 
priority 自付責任 
proportional reinsurance 比例再保險 
rainstorm 雨暴 
rating 費率 
reinforced concrete building 鋼筋混凝土建筑 
reinstatement 恢復保額 
reinsured 分出公司 
reinsurer 再保險人 
retention 自留額 
retention areas 滯洪區(qū) 
return period 重現期 
revoke license 吊銷營業(yè)執(zhí)照 
seaquake 海震 
second event cover 第二事件承保 
securitization 證券化 
seismic demage 震害 
set-off 抵銷 
shear wall structure 剪力墻結構 
single 險位超賠 
spread loss 分散風險 
stop loss 賠付率超賠 
storm surges 風暴潮 
susceptibility of goods to water 易受水浸性 
tarrif 費率表 
TG 拐點周期 
tidal wave 海嘯 
topographic map 地形圖 
tornado 龍卷風 
total sum insured 總保額 
treaty-limits 合約限額 
tube structure 筒體結構 
underwriting policy 承保政策 
windstorm 風暴 
abandonment clause 委付條款 
act of god 不可抗力 
actuary 保險精算師 
all-risks policy一切險保單 
assignment clause 轉讓條款 
average adjuster 海損理算人 
average clause 共同海損分擔條款 
average 海損、海損分攤 
branch of insurance 保險類別 
cargo damage survey 貨損檢驗 
cargo insurance 貨物保險 
certificate of insurance 保險證明書 
claim 索賠 
claim assessor 索賠人 
claim 索賠 
compulsory insurance 強制保險 
coverage 保險總額 
damage certificate 損壞證明書 
damage claim 損壞索賠 
damage 損壞賠償金 
deposit premium 預付保險費 
endorsement 簽注 
endowment policy 人壽定期保險單 
expiration of policy 保險單滿期 
faa ( free of all average) 全損賠償 
fire insurance 火險 
fpa ( free of particular average) 單獨海損不賠 
free of average 全損賠償 
general average 共同海損 
general policy condition 保險單一般規(guī)定 
indemnity 賠款 
indemnity 損害賠償 
in-full premium 全部保險費 
initial premium 初期保險費 
insurance broker 保險經紀人 
insurance company 保險公司 
insurance policy 保險單 
insurance premium 保險費 
insured, assured 被保險人 
insurer, underwriter 保險人；保險商 
jettison 投棄 
knock-for-knock agreement 互撞免賠協議 
liability insurance 責任保險 
life assured 人壽保險投保人 
life fund 人壽保險基金 
life insurance 人壽保險 
loading 人壽保險附加費 
loss adjuster 損失理算人 
loss ratio 賠付率 
marine insurance 海損保險 
maritime transportation insurance 海洋運輸保險 
mortality tables 死亡率表（用于計算保險風險） 
motor insurance 汽車保險 
mutual insurance company 互助保險公司 
natural calamities 自然災害 
natural losses 自然損耗 
no-claims bonus 無索償獎金 
notice of loss 損害通知書 
null and void 宣告無效 
obligation of compensation for loss 賠償的義務 
particular average 單獨海損 
policy-holder 保險客戶 
reinsurance 再保險；轉保 
renewal premium 續(xù)保費 
renewal 續(xù)保；延期 
salvage value 殘值；獲救貨物或船舶的價值 
sum insured 保險金額 
survey 查勘 
termination of risk 保險責任終止 
third party insurance 第三方保險 
time hull insurance 船舶定期保險 
time limit for filing claims 索賠時限 
time policy 定期保險單 
to renew 續(xù)保 
u/w (underwriter) 承保人

累積結余 (Accumulated Value) 
人壽保單（有儲蓄成份的）之現金價值結余。 
全險 (All Risks) 
年金 (Annuity) 
受領人（Annuitant）

比例計算法 (Average) 
「比例分擔」條文 (Average condition) 
受益人 (Beneficiary) 
保單持有人所指定承受保險賠償金的個人或個體。 
改善 (Betterment) 
盜竊罪 (Burglary) 
現金價值 (Cash value) 
保險憑證 (Certificate of insurance) 
賠償 (Claim) 
損害賠償合約 (Contract of indemnity) 
間接損失 (Consequential loss) 
分攤 (Contribution) 
互有疏忽 (Contributory negligence) 
參與供款計劃 (Contributory plan) 
可轉換定期壽險 (Convertible term insurance) 
冷靜期 (Cooling－off period) 
保障范圍 (Cover) 
承保單(附條文收據)(Cover note (conditional receipt)) 
客戶保障聲明書 (Customer protection declaration form) 
遞減定期壽險 (Decreasing term insurance) 
自付額/免賠額 (Deductible)

界定福利計劃 (Defined benefit plan) 
界定供款計劃 (Defined contribution plan) 
重復補償 (Double indemnity) 
批單 (Endorsements) 
儲蓄保險 (Endowment insurance) 
不受保項目 (Exceptions) 
自付額 (Excess) 
不受保項目 (Exclusion) 
起賠額（率） (Franchise) 
不可爭議條款 (Incontestability provision) 
可保權益 (Insurable interest) 
中間人 (Intermediary) 
兒童保險單 (Juvenile insurance policy) 
定額定期壽險 (Level term insurance) 
雇員征費 (Levy) 
有限責任 (Limits of liability) 
理賠師 (Loss adjuster) 
惡意破壞 (Malicious damage) 
重大轉變 (Material changes) 
影響風險的情況轉變。 
重要事實 (Material fact) 
期滿 (Maturity) 
儲蓄人壽保單的有效期屆滿。 
期滿日 (Maturity date) 
指定風險保險 (Named peril policy) 
疏忽 (Negligence) 
繳清保單 (Paid－up policy) 
需支付保費而保障維持有效之保單。 
風險 (Perils) 
終身壽險 (Permanent life insurance) 
個人責任 (Personal liability) 
保單 (Policy) 
列出保險合約條文的文件。 
保單附加條款 (Policy rider) 
保單現金提取條款 (Policy withdrawal provision) 
保費 (Premium) 
第一受益人 (Primary beneficiary) 
公眾責任 (Public liability) 
附加保障 (Rider) 
標準風險 (Standard risks) 
次標準風險 (Substandard risks) 
自殺不保條款 (Suicide exclusion provision) 
投保額 (Sum insured) 
退保手續(xù)費 (Surrender charge) 
定期壽險 (Term life insurance) 
第三者 (Third party) 
第三者責任 (Third party liability / Public liability) 
完全及永久傷殘 (Total and permanent disability) 
投保不足 (Under－insurance) 
核保人 (Underwriters) 
核保 (Underwriting) 
保險公司對受保人作風險評估之程序。 
最高誠信 (Utmost good faith) 
投資人壽保險 (Variable life insurance) 
無效 (Void) 
保費豁免/傷殘權益 (Waiver of premium for disability benefit) 
投保人因意外受傷而失去工作能力可獲豁免繳交保費 
保費豁免/支付人權益 (Waiver of premium for payer benefit) 
終身壽險 (Whole life insurance) 
每年續(xù)保定期計劃 (Yearly renewable term)