保險(xiǎn)詞匯

health insurance 　 疾病保險(xiǎn)，健康保險(xiǎn) 
sickness insurance　 疾病保險(xiǎn) 
insurance during a period of illness　疾病保險(xiǎn) 
insurance for medical care　醫(yī)療保險(xiǎn) 
major medical insurance policy 　巨額醫(yī)藥費(fèi)保險(xiǎn) 
life insurance 　人壽保險(xiǎn) 
endowment insurance 　養(yǎng)老保險(xiǎn) 
insurance on last survivor 　長(zhǎng)壽保險(xiǎn) 
social insurance　 社會(huì)保險(xiǎn) 
personal property insurance 　個(gè)人財(cái)產(chǎn)保險(xiǎn) 
insurance of contents　 家庭財(cái)產(chǎn)保險(xiǎn)

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

acceptance policy 核保政策 
accounting period 結(jié)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(fēng)險(xiǎn)轉(zhuǎn)移 
balance 所欠款項(xiàng) 
barrages 堰壩 
captive pools 自保組合 
catastrophe risk 巨災(zāi)風(fēng)險(xiǎn) 
ceiding company 分出公司 
cession limit 分保限額 
claim-prone 容易出險(xiǎn) 
claims assistance 理賠協(xié)助 
clean cut 結(jié)清方式 
coinsurance 共保 
commencement and termination 起訖 
cover 承保 
cover 責(zé)任額 
deposit premium 預(yù)付保費(fèi) 
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(zé)任 
exposed areas 風(fēng)險(xiǎn)承受區(qū)域 
facultative reinsurance 臨時(shí)分保 
fault zone 斷層區(qū) 
finite risk 有限制的風(fēng)險(xiǎn) 
flash floods 驟發(fā)洪水 
flooding of rivers 洪水泛濫 
frame structure 框架結(jié)構(gòu) 
full coverage 全額承保 
full insurance value 足額保險(xiǎn)價(jià)值 
full liability 全部責(zé)任 
Geophysics Institute 地球物理研究所 
GNPI 總凈保費(fèi)收入 
hailstorm 雹暴 
heavy damage 嚴(yán)重破壞 
hollow brick wall 空斗磚結(jié)構(gòu) 
hour clause 小時(shí)條款 
hurricane 颶風(fēng) 
individual losses 單一損失 
insurability 可保性 
insured losses 保險(xiǎn)損失 
intensity 烈度 
layering 層次 
less exposed 損失可能性小 
liability 責(zé)任 
light damage 輕度破壞 
line slips 分保條 
loading 附加費(fèi) 
loss occurrence 損失發(fā)生 
loss occurring basis 損失發(fā)生基礎(chǔ) 
loss participation 分擔(dān)損失 
loss settlement 損失賠付 
magnitude 震級(jí) 
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(wú)純益風(fēng)險(xiǎn) 
non-proportional reinsurance 非比例再保險(xiǎn) 
notification 告知 
object 標(biāo)的 
obligatory reinsurance 固定分保 
original deductibles 原始免賠額 
original rate 原始費(fèi)率 
paid-up capital 已付資本 
peak accelerator 峰值加速度 
peril 危險(xiǎn) 
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(zé)任的出帳 
portfolio outgo 未滿期責(zé)任的入帳 
premium 保費(fèi) 
previous losses 既往損失 
priority 分保自留額 
priority 自付責(zé)任 
proportional reinsurance 比例再保險(xiǎn) 
rainstorm 雨暴 
rating 費(fèi)率 
reinforced concrete building 鋼筋混凝土建筑 
reinstatement 恢復(fù)保額 
reinsured 分出公司 
reinsurer 再保險(xiǎn)人 
retention 自留額 
retention areas 滯洪區(qū) 
return period 重現(xiàn)期 
revoke license 吊銷營(yíng)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(jié)構(gòu) 
single 險(xiǎn)位超賠 
spread loss 分散風(fēng)險(xiǎn) 
stop loss 賠付率超賠 
storm surges 風(fēng)暴潮 
susceptibility of goods to water 易受水浸性 
tarrif 費(fèi)率表 
TG 拐點(diǎn)周期 
tidal wave 海嘯 
topographic map 地形圖 
tornado 龍卷風(fēng) 
total sum insured 總保額 
treaty-limits 合約限額 
tube structure 筒體結(jié)構(gòu) 
underwriting policy 承保政策 
windstorm 風(fēng)暴 
abandonment clause 委付條款 
act of god 不可抗力 
actuary 保險(xiǎn)精算師 
all-risks policy一切險(xiǎn)保單 
assignment clause 轉(zhuǎn)讓條款 
average adjuster 海損理算人 
average clause 共同海損分擔(dān)條款 
average 海損、海損分?jǐn)?nbsp;
branch of insurance 保險(xiǎn)類別 
cargo damage survey 貨損檢驗(yàn) 
cargo insurance 貨物保險(xiǎn) 
certificate of insurance 保險(xiǎn)證明書 
claim 索賠 
claim assessor 索賠人 
claim 索賠 
compulsory insurance 強(qiáng)制保險(xiǎn) 
coverage 保險(xiǎn)總額 
damage certificate 損壞證明書 
damage claim 損壞索賠 
damage 損壞賠償金 
deposit premium 預(yù)付保險(xiǎn)費(fèi) 
endorsement 簽注 
endowment policy 人壽定期保險(xiǎn)單 
expiration of policy 保險(xiǎn)單滿期 
faa ( free of all average) 全損賠償 
fire insurance 火險(xiǎn) 
fpa ( free of particular average) 單獨(dú)海損不賠 
free of average 全損賠償 
general average 共同海損 
general policy condition 保險(xiǎn)單一般規(guī)定 
indemnity 賠款 
indemnity 損害賠償 
in-full premium 全部保險(xiǎn)費(fèi) 
initial premium 初期保險(xiǎn)費(fèi) 
insurance broker 保險(xiǎn)經(jīng)紀(jì)人 
insurance company 保險(xiǎn)公司 
insurance policy 保險(xiǎn)單 
insurance premium 保險(xiǎn)費(fèi) 
insured, assured 被保險(xiǎn)人 
insurer, underwriter 保險(xiǎn)人；保險(xiǎn)商 
jettison 投棄 
knock-for-knock agreement 互撞免賠協(xié)議 
liability insurance 責(zé)任保險(xiǎn) 
life assured 人壽保險(xiǎn)投保人 
life fund 人壽保險(xiǎn)基金 
life insurance 人壽保險(xiǎn) 
loading 人壽保險(xiǎn)附加費(fèi) 
loss adjuster 損失理算人 
loss ratio 賠付率 
marine insurance 海損保險(xiǎn) 
maritime transportation insurance 海洋運(yùn)輸保險(xiǎn) 
mortality tables 死亡率表（用于計(jì)算保險(xiǎn)風(fēng)險(xiǎn)） 
motor insurance 汽車保險(xiǎn) 
mutual insurance company 互助保險(xiǎn)公司 
natural calamities 自然災(zāi)害 
natural losses 自然損耗 
no-claims bonus 無(wú)索償獎(jiǎng)金 
notice of loss 損害通知書 
null and void 宣告無(wú)效 
obligation of compensation for loss 賠償?shù)牧x務(wù) 
particular average 單獨(dú)海損 
policy-holder 保險(xiǎn)客戶 
reinsurance 再保險(xiǎn)；轉(zhuǎn)保 
renewal premium 續(xù)保費(fèi) 
renewal 續(xù)保；延期 
salvage value 殘值；獲救貨物或船舶的價(jià)值 
sum insured 保險(xiǎn)金額 
survey 查勘 
termination of risk 保險(xiǎn)責(zé)任終止 
third party insurance 第三方保險(xiǎn) 
time hull insurance 船舶定期保險(xiǎn) 
time limit for filing claims 索賠時(shí)限 
time policy 定期保險(xiǎn)單 
to renew 續(xù)保 
u/w (underwriter) 承保人

累積結(jié)余 (Accumulated Value) 
人壽保單（有儲(chǔ)蓄成份的）之現(xiàn)金價(jià)值結(jié)余。 
全險(xiǎn) (All Risks) 
年金 (Annuity) 
受領(lǐng)人（Annuitant）

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

界定福利計(jì)劃 (Defined benefit plan) 
界定供款計(jì)劃 (Defined contribution plan) 
重復(fù)補(bǔ)償 (Double indemnity) 
批單 (Endorsements) 
儲(chǔ)蓄保險(xiǎn) (Endowment insurance) 
不受保項(xiàng)目 (Exceptions) 
自付額 (Excess) 
不受保項(xiàng)目 (Exclusion) 
起賠額（率） (Franchise) 
不可爭(zhēng)議條款 (Incontestability provision) 
可保權(quán)益 (Insurable interest) 
中間人 (Intermediary) 
兒童保險(xiǎn)單 (Juvenile insurance policy) 
定額定期壽險(xiǎn) (Level term insurance) 
雇員征費(fèi) (Levy) 
有限責(zé)任 (Limits of liability) 
理賠師 (Loss adjuster) 
惡意破壞 (Malicious damage) 
重大轉(zhuǎn)變 (Material changes) 
影響風(fēng)險(xiǎn)的情況轉(zhuǎn)變。 
重要事實(shí) (Material fact) 
期滿 (Maturity) 
儲(chǔ)蓄人壽保單的有效期屆滿。 
期滿日 (Maturity date) 
指定風(fēng)險(xiǎn)保險(xiǎn) (Named peril policy) 
疏忽 (Negligence) 
繳清保單 (Paid－up policy) 
需支付保費(fèi)而保障維持有效之保單。 
風(fēng)險(xiǎn) (Perils) 
終身壽險(xiǎn) (Permanent life insurance) 
個(gè)人責(zé)任 (Personal liability) 
保單 (Policy) 
列出保險(xiǎn)合約條文的文件。 
保單附加條款 (Policy rider) 
保單現(xiàn)金提取條款 (Policy withdrawal provision) 
保費(fèi) (Premium) 
第一受益人 (Primary beneficiary) 
公眾責(zé)任 (Public liability) 
附加保障 (Rider) 
標(biāo)準(zhǔn)風(fēng)險(xiǎn) (Standard risks) 
次標(biāo)準(zhǔn)風(fēng)險(xiǎn) (Substandard risks) 
自殺不保條款 (Suicide exclusion provision) 
投保額 (Sum insured) 
退保手續(xù)費(fèi) (Surrender charge) 
定期壽險(xiǎn) (Term life insurance) 
第三者 (Third party) 
第三者責(zé)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(xiǎn)公司對(duì)受保人作風(fēng)險(xiǎn)評(píng)估之程序。 
最高誠(chéng)信 (Utmost good faith) 
投資人壽保險(xiǎn) (Variable life insurance) 
無(wú)效 (Void) 
保費(fèi)豁免/傷殘權(quán)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(fèi) 
保費(fèi)豁免/支付人權(quán)益 (Waiver of premium for payer benefit) 
終身壽險(xiǎn) (Whole life insurance) 
每年續(xù)保定期計(jì)劃 (Yearly renewable term)