保险英语常用词汇

保险英语词汇合集acceptance policy核保政策accounting period结算期aggregate limit累积限额aggregated loss累积损失third party liability (tpl)第三者责任险antiselection逆选择art (alternative risk transfer)新型风险转移balance所欠款项barrages堰坝captive pools自保组合天下金融网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tarrif zone险 区 cover承保cover责任额deposit premium预付保费destroyed毁坏earth caves土坏房屋epa event 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hailstorm雹暴treaties business合同分保full liability全部责任heavy damage严重破坏hour clause小时条款individual losses单一损失working expenses /cost营业费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writing承保loss participation分担损失loss settlement损失赔付hurricane飓风magnitude震级malicious damage恶意损害moderate damage中度破坏精品资料multi-story building多层建建筑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placement安排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proportional reinsurance比例再保险underwriting承保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tarrif费率表tidal wave海啸susceptibility of goods to water易受水浸性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人寿保险精品资料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 actuarial method 精算法terms used in insurance industry accident意外事故险underwriting承保advance profit预期利润broker经纪人captive自保公司business interruption insurance (bi)营业中断险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standing charges维持费用turnover营业额consequential loss (cl)后果损失contractors all risks (car)建筑工程一切险cover保障delay in completion完工延误engineering insurance工程保险erection all risks (ear)安装工程一切险excess of loss cover超 额 赔 偿 exl protection超赔保障facultative business临分保solvency margin赔偿能力indemnity period/limit赔期 /期限inflated claim超额索赔sum insured保额insurance capacity承保能力insured property参保物业subject insured风险标的machinery (breakdown) insurance机器损坏险 mail/sub-contractor 主/分承包商aintenance 保证期 multiple claim 多次（重复）索赔 non-life 非寿险officer & director liability雇主保险outstanding claim reserve未决索赔准备金peril危险policy保单pool联营possible maximum loss可能的最大损失premium保费primary insurance company原保公司principal/employer业主professional专业险profit marg