新编商务英语精读第4册unit-10

Unit 1 TeachingAim ReadingI ReadingII ExtendedActivities Insurance TeachingAim TeachingAim Unit10Insurance 1 CognitiveInformation 认知信息 TypesofInsruance BasicInsruanceConcepts2 LanguageFocus 内容重点 KeyWords liability mutual hail theft vandalism sue clutter ingest premium premature endowment beneficiary relatively portion Indemnitygambling hazard tornado reimburse spouse incapacitate payout cost effective Phrases payout Faceamount buildup inforce facevalue Intheeventof setfireto burndown betiedto WordStudy insure hold survive term cancel UsefulStructures Thereisnowaytodo Otherwise Evenif inpart Grammar DirectandIndirectSpeech 4 Review TeachingAim TeachingAim Unit10Insurance 3 CommunicativeSkills 交际能力 Expressions ConversationalStrategies Reading InsuranceForm BasicWriting Fax BackgroundInformation ReadingI ReadingI Unit10Insurance Pre reading Text NewWordsandExpressions Exercises Post reading Pre reading Pre reading Unit10Insurance Pre readingI Pre readingII Brainstorming Workwithyourpartnerandwriteoutwordsorexpressionsrelatedtoinsurance Pre reading I Pre readingI Unit10Insurance Partiesinvolvedininsurance theinsurer theinsured underwriter insuranceagent policy holder policy owner beneficiary Typesofinsurance lifeinsurance propertyinsurance liabilityinsurance crimeinsurance automobileinsurance healthinsurance fireinsurance marineinsurance Termsusedininsurance insurancepolicy coverage premium insuranceproduct expirationofpolicy timelimitforfilingclaims Verbsusedininsurance toapplyforaninsurancepolicy tofileaclaim tosettleclaims tocover insuregoodsagainstAllRisks 综合险 toeffectinsurance Partiesinvolvedininsurance theinsurer Typesofinsurance lifeinsurance Termsusedininsurance insurancepolicy Verbsusedininsurance toapplyforaninsurancepolicy Pre reading II Pre readingII Unit10Insurance Pair work Discussthefollowingquestionswithyourpartner 1 MentionsomeprestigiousinsurancecompaniesinChinaorintheworld 中国人民保险公司ThePeople sInsuranceCompanyofChina中国人寿保险公司ChinaLifeInsurance Group Company中国平安保险公司PingAnInsuranceCompanyofChina中国太平洋保险公司ChinaPacificInsurance Group Co Ltd中宏人寿保险有限公司Manulife SinochenLifeInsuranceCo Ltd太平洋安泰人寿保险有限公司Pacific AntnaLifeInsuranceCompanyLtd安联大众人寿保险有限公司Allianz DazhongLifeInsuranceCo Ltd金盛人寿保险有限公司AXA MinmetalsLifeInsuranceco Ltd日本住友生命SumitomoLifeInsurance英国伦敦劳合社CorporationofLloyd s法国安盛公司AXA德国安联公司Allianz荷兰国际集团IngGroup英国皇家太阳联合保险集团Royal SunAllianceInsuranceGroup瑞士苏黎士金融服务ZurichFinancialServices Pre reading II Pre readingII Unit10Insurance Pair work Discussthefollowingquestionswithyourpartner 2 Whatdoyouthinkisthepurposeofinsurance Themajorpurposeofinsuranceistoprotectoneselfagainstlossordamageasonegetscompensationfortheinsureditemifanylossordamagehappenstoit eitherthefullamountofthelossoraspecifiedpercentageoftheamountofloss Pre reading II Pre readingII Unit10Insurance Pair work Discussthefollowingquestionswithyourpartner 3 Haveyourparents relativesboughtanyinsurance Andwhatisthecoverage Pre reading II Pre readingII Unit10Insurance Pair work Discussthefollowingquestionswithyourpartner 4 Whatquestionsareyouexpectedtoanswerwhenyouapplyforalifeorpropertyinsurancepolicy Whenyouapplyforlifeinsurance youwillbeaskedallsortsofquestions Forexample theagentwillaskyouaboutyourage gender address etc Dependingonyourageandtheamountofinsuranceyou rebuying youwillprobablybeaskedtohaveamedicalexamination Whenacompanyisdecidingwhetherornottoofferyoupropertyinsurance itwillwanttoknowaboutyoureconomicconditions howmanyrisksyouhopetheinsurancemaycoverandhowmuchpremiumyou dliketopay Pre reading II Pre readingII Unit10Insurance Pair work Discussthefollowingquestionswithyourpartner 5 Doyouthinkbuyinginsuranceisabetterwaythanputtingmoneyinabank Whyorwhynot Webuyinsuranceforthesecurityofknowingthatweandourfamilyaretakengoodcareofintimesofneed Shouldwesufferanautoaccident damagetoourhomethroughfireorflood jobloss ortemporaryorpermanentjobleaveduetoanaccident ourinsuranceistheretocoverthecostsofthedamage ortopayoff insured existingloans Byensuringthatwehaveallthenecessaryinsurance wecanrestassuredthatintheeventofanaccidentorjobloss payingforthedamageorcontinuingtomakeourloanpaymentswillbenoworryonourmind Text 1 Text Unit10Insurance TypesofInsurance Text 1 Text Unit10Insurance Text 1 Text Unit10Insurance Text 1 Text Unit10Insurance Text 1 Text Unit10Insurance Text 1 Text Unit10Insurance Text 1 Text Unit10Insurance Text 1 Text Unit10Insurance BackgroundInformation BackgroundInformation 1 insurancebasicsTheterminsurancedescribesanymeasuretakenforprotectionagainstrisks Wheninsurancetakestheformofacontractinaninsurancepolicy itissubjecttorequirementsinstatutes administrativeagencyregulations andcourtdecisions Byredistributingriskamongalargenumberofpeople insurancereduceslossesfromaccidentsincurredbyanindividual Inreturnforaspecifiedpayment premium theinsurerundertakestopaytheinsuredorhisbeneficiaryaspecifiedamountofmoneyintheeventthattheinsuredsufferslossthroughtheoccurrenceofaneventcoveredbytheinsurancecontract policy Bypoolingboththefinancialcontributionsandtherisksofalargenumberofpolicyholders theinsurerisabletoabsorblossesmuchmoreeasilythanistheuninsuredindividual Unit10Insurance BackgroundInformation BackgroundInformation Whenaninsuredsuffersalossordamagethatiscoveredinthepolicy theinsuredcancollectontheproceedsofthepolicybyfilingaclaim orrequestforcoverage withtheinsurancecompany Thecompanythendecideswhethertopaytheclaim Therecipientofanyproceedsfromthepolicyiscalledthebeneficiary Thebeneficiarycanbetheinsuredperson orotherpersonsdesignatedbytheinsured Insurersmayofferinsurancetoanyindividualabletopay ortheymaycontractwithmembersofagroup e g employeesofafirm toofferspecialratesforgroupinsurance Marineinsurance coveringshipsandvoyages istheoldestformofinsurance Fireinsurancearoseinthe17thcentury andotherformsofpropertyinsurancebecamecommonwiththespreadofindustrializationinthe19thcentury Itisnowpossibletoinsurealmostanykindofproperty includinghomes Unit10Insurance BackgroundInformation BackgroundInformation businesses motorvehicles andgoodsintransit Insuranceisvitaltoafreeenterpriseeconomy Itprotectssocietyfromtheconsequencesoffinanciallossfromdeath accidents sicknesses damagetoproperty andinjurycausedtoothers Therearemanyperils causesofloss thatsocietyfaces somenatural e g earthquakes hurricanes tornados flood drought andsomehuman e g theft fraud vandalism contamination pollution terrorism Manypersonsarewillingtopayasmallamountforprotectionagainstcertainrisksbecausethatprotectionprovidesvaluablepeaceofmind 2 InsurancebusinessThebusinessofinsuranceissustainedbyacomplexsystemofriskanalysis Generally thisanalysisinvolvesanticipatingthelikelihoodofaparticularlossandchargingenoughinpremiumstoguaranteethatinsuredlossescanbepaid Unit10Insurance BackgroundInformation BackgroundInformation Insurancecompaniescollectthepremiumsforacertaintypeofinsurancepolicyandusethemtopaythefewindividualswhosufferlossesthatareinsuredbythattypeofpolicy Thekeyfunctionsofaninsureraremarketing underwriting claims investigationandpaymentoflegitimateclaimsaswellasdecliningillegitimateclaims losscontrol reinsurance actuarial collectionofpremiums draftingofinsurancecontractstoconformtostatutorylaw andtheinvestingoffunds Underwriters 承保业务员 核保业务员 areexpertinidentifying understanding evaluating andselectingrisks Actuaries 保险精算师 playauniqueandcriticalroleintheinsuranceprocess theypricetheproduct thepremium andestablishthereserves Theprimarygoalofaninsureristounderwriteprofitably Underwritingcombinesmanyskills investigative accounting financial andpsychological Unit10Insurance BackgroundInformation BackgroundInformation Insurancecompaniesseektooperatemoreefficientlyandimprovetheircommunicationanddistributionsystems Combininginsurancewithotherfinancialproductsandservicesisperceivedtoprovidebettersourcesforcustomers NowadaystheInsuranceindustrycontinuestoexplorenewdistributionsystems includingtheInternetandformationofallianceswithbanksandotherfinancialserviceorganizationsinanefforttobecomemoreefficientandfocusedonthecustomer whotodayplacesasmuchimportanceonserviceandconvenience asonprice 3 InsurancepolicyInsurancepolicyisaninsurancecontractspecifyingwhatrisksareinsuredandwhatpremiumsmustbepaidtokeepthepolicyinforce Policiesforlifeinsurancespecifywhose Unit10Insurance BackgroundInformation BackgroundInformation lifeisinsuredandwhichbeneficiarieswillreceivetheinsuranceproceeds Homeowner sinsurancepoliciesspecifywhichpropertyandcasualtyperilsarecovered Healthinsurancepoliciesdetailwhichmedicalprocedures drugs anddevicesarereimbursable Autoinsurancepoliciesdescribetheconditionsunderwhichcarownerswillbecoveredincaseofaccidents theft orotherdamagetotheircars Disabilitypoliciesspecifythequalifyingconditionsofdisabilityandhowlongpaymentswillcontinue Businessinsurancepoliciesdescribewhichliabilitiesarereimbursable Thepolicyisthewrittendocumentthatboththeinsuredandinsurancecompanyrefertowhendeterminingwhetherornotaclaimiscovered Theinsurancepolicyvariesamongstatesandclassofbusiness however therearecommonfeatures Unit10Insurance BackgroundInformation BackgroundInformation Declarationpage namethepolicyholder describesthepropertyorliabilitytobeinsured typeofcoverage andpolicylimits InsuringAgreement describesparties responsibilitiesduringthepolicyterm ConditionsofthePolicy detailscoverageandrequirementsineventofaloss TheExclusions describestypesofpropertyandlossesnotcovered 4 typesofinsuranceAnyriskthatcanbequantifiedcanpotentiallybeinsured Aninsurancepolicywillsteoutindetailwhichperilsarecoveredbythepolicyandwhicharenot Belowisa non exhaustive listofthemanydifferenttypesofinsurancethatexist Asinglepolicymaycoverrisksinongormoreofthecategories Unit10Insurance BackgroundInformation BackgroundInformation setforthbelow Forexample autoinsurancewouldtypicallycoverbothpropertyrisk coveringtheriskoftheftordamagetothecar andliabilityrisk coveringlegalclaimsfromcausinganaccident Ahomeowner sinsurancepolicyintheUStypicallyincludespropertyinsurancecoveringdamagetothehomeandtheowner sbelongings liabilityinsurancecoveringcertainlegalclaimsagainsttheowner andevenasmallamountofhealthinsuranceformedicalexpensesofguestswhoareinjuredontheowner sproperty Automobileinsuranceisprobablythemostcommonformofinsuranceandmaycoverbothlegalliabilityclaimsagainstthedriverandlossofordamagetotheinsured svehicleitself Builder sriskinsuranceinsuresagainsttheriskofphysicallossordamagetopropertyduringconstruction Unit10Insurance BackgroundInformation BackgroundInformation Businessinsurancecanbeanykindofinsurancethatprotectsbusinessesagainstrisks Someprincipalsubtypesofbusinessinsuranceare 1 thevariouskindsofprofessionalliabilityinsurance alsocalledprofessionalindemnityinsurance and 2 thebusinessownerspolicy BOP whichbundlesintoonepolicymanyofthekindsofcoveragethatabusinessownerneeds Creditinsurancerepayssomeorallofaloanbackwhencertainthingshappentotheborrowersuchasunemployment disability ordeath Mortgageinsuranceisaformofcreditinsurance Crimeinsuranceinsuresthepolicyholderagainstlossesarisingfromthecriminalacts Forexample acompanycanobtaincrimeinsurancetocoverlossesarisingfromtheftorembezzlement Unit10Insurance BackgroundInformation BackgroundInformation Cropinsuranceusedbyfarmerstoreduceormanagevariousrisksassociatedwithgrowingcrops Suchrisksincludecroplossordamagecausedbyweather hail drought frostdamage insects ordisease forinstance Disabilityinsurancepoliciesprovidefinancialsupportintheeventthepolicyholderisunabletoworkbecauseofdisablingillnessorinjury Itprovidesmonthlysupporttohelppaysuchobligationsasmortgagesandcreditcards Expatriateinsuranceprovidesindividualsandorganizationsoperatingoutsideoftheirhomecountrywithprotectionforautomobiles property health liabilityandbusinesspursuits Financiallossinsuranceprotectsindividualsandcompaniesagainstvariousfinancialrisks Forexample abusinessmightpurchasecovertoprotectitfromlossofsalesifafireinafactorypreventeditfromcarryingoutitsbusinessfora Unit10Insurance BackgroundInformation BackgroundInformation time Insurancemightalsocoverthefailureofacreditortopaymoneytowestotheinsured HealthinsurancepolicieswilloftencoverthecostofprivatemedicaltreatmentsiftheNationalHealthServiceorotherpublicly fundedhealthprogramsdonotpayforthem Itwilloftenresultinquickerhealthcarewherebetterfacilitiesareavailable Liabilityinsurancecoverslegalclaimsagainsttheinsured Manytypesofinsuranceincludeanaspectofliabilitycoverage Forexample ahomeowner sinsurancepolicywillnormallyincludeliabilitycoveragewhichprotectstheinsuredintheeventofaclaimbroughtbysomeonewhoslipsandfallsontheproperty automobileinsurancealsoincludesanaspectofliabilityinsurancethatindemnifiesagainsttheharmthatacrashingcarcancausetoothers Unit10Insurance BackgroundInformation BackgroundInformation lives health orproperty Theprotectionofferedbyaliabilityinsurancepolicyistwofold alegaldefenseintheeventofalawsuitcommencedagainstthepolicyholderandindemnification paymentonbehalfoftheinsured withrespecttoasettlementorcourtverdict Liabilitypoliciestypicallycoveronlythenegligenceoftheinsured andwillnotapplytoresultsofwillfulorintentionalactsbytheinsured Lifeinsuranceprovidesamonetarybenefittoadeceden sfamilyorotherdesignatedbeneficiary andmayspecificallyprovideforburial funeralandotherfinalexpenses Lifeinsurancepoliciesoftenallowtheoptionofhavingtheproceedspaidtothebeneficiaryeitherinalumpsumcashpaymentoranannuity Marineinsuranceandmarinecargoinsurancecoverthelossordamageofshipsatseaoroninlandwaterways andofthe Unit10Insurance BackgroundInformation BackgroundInformation cargothatmaybeonthem Mortgageinsuranceinsuresthelenderagainstdefaultbytheborrower Petinsuranceinsurespetsagainstaccidentsandillnesses somecompaniescoverroutine wellnesscareandburial aswell Propertyinsuranceprovidesprotectionagainstriskstoproperty suchasfire theftorweatherdamage Thisincludesspecificformsofinsurancesuchasfireinsurance floodinsurance earthquakeinsurance homeinsurance inlandmarineinsuranceorboilerinsurance Purchaseinsuranceisaimedatprovidingprotectionontheproductspeoplepurchase Purchaseinsurancecancoverindividualpurchaseprotection warranties guarantees care Unit10Insurance BackgroundInformation BackgroundInformation plansandevenmobilephoneinsurance Suchinsuranceisnormallyverylimitedinthescopeofproblemsthatarecoveredbythepolicy Socialinsurancecanbemanythingstomanypeopleinmanycountries Butasummaryofitsessenceisthatitisacollectionofinsurancecoverage includingcomponentsoflifeinsurance disabilityincomeinsurance unemploymentinsurance healthinsurance andothers plusretirementsavings thatmandatesparticipationbyallcitizens Travelinsuranceisaninsurancecovertakenbythosewhotravelabroad whichcoverscertainlossessuchasmedicalexpenses lostofpersonalbelongings traveldelay personalliabilities etc Workers compensationinsurancereplacesallorpartofaworker swageslostandaccompanyingmedicalexpense Unit10Insurance BackgroundInformation BackgroundInformation incurredbecauseofajob relatedinjury 5 ChoosingrightinsurancepoliciesProtectingyourmostimportantassetsisanimportantstepincreatingasolidpersonalfinancialplan Therightinsurancepolicieswillgoalongwaytowardhelpingyousafeguardyourearningpowerandyourpossessions Thefollowingarepoliciesthatyoushouldn tdowithout Long termdisabilityinsuranceTheprospectoflong termdisabilityissofrighteningthatsomepeoplesimplychoosetoignoreit Whileweallhopethat Nothingwillhappentome relyingonhopetoprotectyourfutureearningpowerissimplynotagoodidea Instead chooseadisabilitypolicythatprovidesenoughcoveragetoenableyoutocontinueyourcurrentlifestyleevenifyoucannolongercontinueworking Unit10Insurance BackgroundInformation BackgroundInformation LifeInsuranceLifeinsuranceprotectsthepeoplethatarefinanciallydependentonyou Ifyourparents spouse childrenorotherlovedoneswouldfacefinancialhardshipifyoudied lifeinsuranceshouldbehighonyourlistofrequiredinsurancepolicies Thinkabouthowmuchyouearneachyear andthenumberofyearsyouplantoremainemployed andpurchaseapolicythatwillreplacethatincomeintheeventofyouruntimelydemise HealthinsuranceThesoaringcostofmedicalcareisreasonenoughtomakehealthinsuranceanecessity Evenasimplevisittothefamilydoctorcanresultinaheftybill Injuriesthatrequiresurgerycanquicklyrackupfive figurecosts Althoughtheever increasingcostofhealthinsuranceisafinancialburdenforjustabouteveryone thepotentialcostofnothavingcoverageismuchhigher Unit10Insurance BackgroundInformation BackgroundInformation HomeInsuranceReplacingyourhomeisanexpensiveproposition Havingtherighthomeinsurancecanmaketheprocesslessdifficult Whenshoppingforapolicy lookforonethatcoversreplacementofthestructureandcontentsinadditiontothecostoflivingsomewhereelsewhileyourhomeisrepaired Also besurethepolicyprovidesadequatecoverageforthecostofanyliabilityforinjuriesthatoccuronyourproperty AutomobileInsuranceSomelevelofautomobileliabilityinsuranceisrequiredbylawinmostlocalities Evenifyouarenotrequiredtohaveitandyouaredrivinganoldjunkerthathasbeenpaidoffforyears automobileliabilityinsuranceissomethingyoushouldn tskip Ifyouareinvolvedinanaccidentandsomeoneisinjuredortheirpropertyisdamaged youcouldbesubjecttoalawsuitthatcouldcost Unit10Insurance BackgroundInformation BackgroundInformation youeverythingyouown Accidentshappenquicklyandtheresultsareoftentragic havingnoautomobileliabilityinsuranceorpurchasingonlytheminimumrequiredcoveragesavesyouonlyasmallamountofmoneyandputseverythingelsethatyouownatrisk 6 China sinsuranceindustryChina sinsuranceindustrywasresumedin1980andbytheendof2005 thereare93insurancecorporationsaltogetherinChina amongwhichsixwereinsurancegroupsand82wereinsurancecompanies including40foreigninsurancecompaniesand5insuranceassetmanagementcompanies ThenationalpremiumincomehadreachedRMB492 734billion RMB34 1billionwasfromforeigninsurancecompanies accountingfor6 9 up13 95 overtheyearof2004 Currently thereare1 815millionstaffsengagedin Unit10Insurance BackgroundInformation BackgroundInformation insurance accountingforover40 ofthetotalnumberofstaffsinfinancialenterprisesinChina Alongwiththerapidgrowthofeconomy China sinsuranceindustryandtheconcernedpoliciesarealsoexperi