保险业词汇英语翻译

保险业词汇英语翻译acceptancepolicy核保政策accident意外事故险accountingperiod结算期actuarialmethod精算法AdvanceLossProfits(ALOP)Advanceprofitaggregatelimit累积限额aggregatedloss累积损失AmbulatoryServices门诊服务AmbulatorySurgery门诊手术antiselection逆选择Appeals(上诉会员要求保险机构重新考虑已否决的费用申报许可或决定的一项程序。ART(AlternativeRiskTransfer)新型风险转移Authorization核淮balance所欠款项barrages堰坝BenefitPeriod福利期Benefit福利BrandNameDrug原厂药broker经纪人BusinessInterruptionInsurance(BI)营业中断险captivepools自保组合captive自保公司casualty意外伤害险catastropherisk巨灾风险catastrophe巨灾险cedingcompany分出公司ceidingcompany分出公司Certification核淮证明cessionlimit分保限额claimsettlementClaim索赔claim-prone容易出险claimsassistance理赔协助cleancut结清方式Coinsurance(共同保险指会员在支付自付扣除金后，需按固定的百分比率，自付一部份医疗费用。例如，保险机构负责80%的认可支付额，余下的20%则由会员支付，该20%的金额即为「共同保险金」。CoinsuranceMaximum最高共同保险费coinsurancecombinedratio综合赔付率commencementandtermination起讫ConsequentialLoss(CL)后果损失ConsolidatedOmnibusBudgetReconciliationActof20Contractor′sAllRisks(CAR)建筑工程一切险（建工险）Copayment定额手续费或简称Copaycover保障cover承保cover责任额CoveredServices承保服务Deductible自付扣除金Delayincompletion完工延误Dependent受供养者depositpremium预付保费destroyed毁坏DrugFormulary(处方药物表由保险机构与药剂师及医生，共同划定的药剂产品列表，藉以在不影响素质的情况下，增加处方配药的效益。DurableMedicalEquipment长期使用的医疗器材可循环使用、有医疗上需要，用作DMEearthcaves土坏房屋EEI电子设备险EffectiveDate生效日期EmergencyCare急诊护理engineeringinsurance工程保险Enrollee参加计划人EPAErectionAllRisks(EAR)安装工程一切险（安工险eventlimitexgratiapaymentsexcessloss超额赔款excessoflosscover超额赔偿exclusion除外责任EXLprotectionDate截止日期exposedareas风险承受区域facultativebusinessfacultativereinsurance临时分保faultzone断层区finiterisk有限制的风险flashfloods骤发洪水floodingofrivers洪水泛滥framestructure框架结构fullcoverage全额承保fullinsurancevalue足额保险价值fullliability全部责任GenericDrug副厂药GeophysicsInstitute地球物理研究所GNPI总净保费收入hailstorm雹暴HealthMaintenanceOrganization会员需于与「管理式医疗保险机构」合约的医疗护理提供者处接受的医疗服务。heavydamage严重破坏hollowbrickwallHomeHealthCare居家护理hourclause小时条款hurricaneIBRNreserveIBRN储备金Incurredbutnotreportedlosses(IBRN)已发生但未报的损失indemnityperiod/limit赔期/期限Indemnity赔偿individuallosses单一损失inflatedclaim超额索赔In-Network网络内Inpatient住院护理insurability可保性insurancecapacity承保能力insuredlosses保险损失insuredproperty参保物业intensity烈度Kobe神户layering层次lessexposed损失可能性小liability责任lightdamage轻度破坏lineslips分保条Lloyd劳合社loading附加费long-tail长尾lossoccurrence损失发生lossoccurringbasis损失发生基础Lossofprofit利损险lossparticipation分担损失losssettlement损失赔付Machinery(Breakdown)Insurance机器（magnitudemail/sub-contractor主/分承包商maintenance保证期maliciousdamage恶意损害ManagedCare管理式医疗护理MedicallyNecessary有医疗需要的Member会员moderatedamage中度破坏multipleclaim多次（重复）multi-storybuilding多层建建筑MunichRe慕尼黑再netretainedlines净自留额netretainedlosses损失净自赔额Network(网络与保险机构签有合约，以合约价格为会员提供医疗护理的医生、诊所、医院，及其他医疗护理提供者。noprofitcommission无纯益风险non-life非寿险Non-ParticipatingProvider非合约医疗护理提供者non-proportionalreinsuranceobject标的obligatoryreinsurance固定分保officer&directorliability雇主保险originaldeductibles原始免赔额originalrate原始费率Out-of-Network网络外Out-of-PocketMaximum自付最高金额OutpatientSurgeryoutstandingclaimreserve未决索赔准备金paid-upcapital已付资本ParticipatingProvider合约医疗护理提供者PCindustryproperty&catastropheindustrypeakacceleratorperil危险PICCRe中保再placement安排PlanBenefitMaximum福利最高承保额PML可能最大损失policy保单持有者pool共保组合pool联营portfolioentry未满期责任的出帐portfoliooutgo未满期责任的入帐possiblemaximumloss可能的最大损失Preauthorization作的一个事前覆检及评估程序Pre-ExistingCondition已存在的医疗状况PreferredProviderOrganization鼓励会员使用指定「优惠医疗謢理提供者」premium保费Prescription处方配药单PreventiveCare预防保健护理previouslosses既往损失PrimaryCarePhysician主治医生primaryinsurancecompany原保公司、主保险商principal/employer业主PriorAuthorization预先核淮priority分保自留额priority自付责任professional专业险profitmargin利润边际property财产险proportionalcover比例分保proportionalreinsurance比例再保险ProviderNetwork医疗护理提供者网络Provider医疗护理提供者punitivedamage惩罚性损害rainstorm雨暴rate费率rating费率Referral转介reinforcedconcretebuilding钢筋混凝土建筑reinstatement恢复保额reinsured分出公司reinsurer分保人（分保公司reinsurerreinsurer再保险人reserve准备金retentionareas滞洪区retention自留retention自留额returnperiod（巨灾）间隔期returnperiod重现期revokelicense吊销营业执照seaquake海震secondeventcover第二事件承保securitization证券化seismicdemage震害ServiceArea承保范围set-off抵销shearwallstructure剪力墙结构short-tail短尾single险位超赔solvencymargin赔偿能力spreadloss分散风险standingcharges维持费用stoploss赔付率超赔stormsurges风暴潮subjectinsured风险标的Subscriber投保人suminsured保额susceptibilityofgoodstowatertarrifzonetarrif费率表TG拐点周期ThirdPartyLiability(TPL)第三者责任险t