保险专业英语常用词汇

acceptancepolicyaccountingperiodaggregatelimitaggregatedlossantiselectionART(AlternativeRiskTransferbalancebarrages堰坝captivepoolscatastropherisk巨灾风险ceidingcompanycessionlimitclaim-prone简洁出险claimsassistancecleancutcoinsurance保commencementandterminationcovercoverdepositpremiumdestroyedearthcavesEPAeventlimitexgratiapaymentsexcesslossexclusionexposedareasfacultativereinsurancefaultzone断层区finiteriskflashfloods骤发洪水floodingofriversframestructurefullcoveragefullinsurancevaluefullliability全部责任GeophysicsInstitute地球物理争论所

healthinsurancesicknessinsurance疾病保险insuranceduringaperiodofillness保险insuranceformedicalcare医疗保险“majormedical“insurancepolicy费保险lifeinsurance人寿保险endowmentinsuranceinsuranceonlastsurvivorsocialinsurance社会保险personalpropertyinsuranceinsuranceofcontents家庭财产保险险别FreefromParticularAverageF.P.A.WithParticularAverageW.P.A.水渍险AllRisks一切险riskofbreakageriskofclashingriskofrust生锈险riskofhookdamage钩损险riskofcontamination(tainting污染险insuranceagainsttotallossonly(TLO损险riskofdeterioration变质险riskofpackingbreakageriskofinherentvice内在缺陷险riskofnormalloss(naturalloss途耗或自然损耗险riskofspontaneouscombustion自然险riskofcontingentimportdutyinsuranceagainstwarrisk战斗险AirTransportationCargoWarRisk航空运输战斗险InsuranceWarRisk陆上运输战斗险insuranceagainststrike,riotandcivilcommotion(SRCC罢工，暴动，民变险GNPIhailstormheavydamage严峻破坏hollowbrickwallhourclausehurricaneindividuallossesinsurability可保性insuredlosses保险损失intensity烈度layering层次lessexposedliabilitylightdamagelineslips分保条loadinglossoccurrencelossoccurringbasislossparticipation分担损失losssettlementmagnitudemaliciousdamagemoderatedamagemulti-storybuildingMunichRenetretainedlines净自留额netretainedlossesnoprofitcommission无纯益风险non-proportionalreinsurancenotification告知object标的obligatoryreinsuranceoriginaldeductiblesoriginalratepaid-upcapitalpeakacceleratorperil

insuranceagainstextraneousrisks,insuranceagainstadditionalrisksriskoftheft,pilferageandnondelivery(TPND盗窃提货不着险riskoffreshand/ofrainwaterdamage(wetting淡水雨淋险riskofleakage渗漏险riskofshortageinweight/quantity短量险riskofsweatingand/orheating受潮受热险5riskofbadodour(changeofflavour恶味险，变味险riskofmouldondeckrisk舱面险6保险英语翻译保险业词汇Termsusedininsuranceindustryaccident意外事故险actuarialmethod精算法AdvanceLossProfits(ALOP预期利润损失险，利损险Advanceprofitbroker经纪人BusinessInterruptionInsurance(BI营业中断险captivecasualty意外损害险catastrophe巨灾险cedingcompanyPICCReplacementPMLpolicyholderpool共保组合portfolioentryportfoliooutgopremiumpreviouslossespriority分保自留额priority自付责任3proportionalreinsurancerainstormrating费率reinforcedconcretebuildingreinstatementreinsuredreinsurerretentionretentionareasreturnperiodrevokelicenseseaquake海震secondeventcoversecuritization证券化seismicdemageset-offshearwallstructuresingle险位超赔spreadlossstoplossstormsurges风暴潮susceptibilityofgoodstowatertarrif费率表TG拐点周期tidalwavetopographicmap

claim索赔claimsettlement理赔combinedratio综合赔付率ConsequentialLoss(CL后果损失Contractor”sAllRisks(CAR建筑工程一切险建工险cover保障Delayincompletion完工延误EEI电子设备险engineeringinsurance工程保险ErectionAllRisks(EAR安装工程一切险安工险excessoflosscover超额赔偿EXLprotection超赔保障facultativebusiness临分保IBRNIncurredbutnotreportedlosses未报的损失IBRNreserveIBRN储藏金indemnityperiod/limit赔期/期限inflatedclaim超额索赔tornadototalsuminsuredtreaty-limitstubestructure筒体构造underwritingpolicywindstorm2hourclausehurricaneindividuallossesinsurability可保性insuredlosses保险损失intensity烈度layering层次lessexposedliabilitylightdamagelineslips分保条loadinglossoccurrencelossoccurringbasislossparticipation分担损失losssettlementmagnitudemaliciousdamagemoderatedamagemulti-storybuildingMunichRenetretainedlines净自留额netretainedlossesnoprofitcommission无纯益风险non-proportionalreinsurancenotification告知object标的obligatoryreinsurance固定分保

insurancecapacity承保力量保险英语翻译insuredproperty参保物业Kobe神户Lloydlong-tail长尾Lossofprofit利损险Machinery(BreakdownInsurance机器损坏〕险，机损险mail/sub-contractor主/分承包商maintenance保证期multipleclaim屡次重复索赔non-life非寿险officer&directorliability雇主保险outstandingclaimreserve未决索赔预备金PCindustryproperty&catastropheindustryperil危急policy保单保险英语翻译pool 英语翻译：联营possiblemaximumloss大损失premium英语翻译：保费originaldeductiblesoriginalratepaid-upcapitalpeakacceleratorperilPICCReplacementPMLpolicyholderpool共保组合portfolioentryportfoliooutgopremiumpreviouslossespriority分保自留额priority自付责任3proportionalreinsurancerainstormrating费率reinforcedconcretebuildingreinstatementreinsuredreinsurerretentionretentionareasreturnperiodrevokelicenseseaquake海震secondeventcoversecuritization证券化seismicdemageset-offshearwallstructuresingle险位超赔spreadlossstoploss

primaryinsurancecompany公司、主保险商principal/employer英语翻译：业主professional 英语翻译：专业险profitmargin 译：利润边际property 英语翻译：财产险proportionalcover比例分保punitivedamage惩罚性损害ratereinsurerreinsurer再保人reserve预备金retention10自留returnperiod巨灾间隔期short-tail短尾solvencymargin赔偿力量standingcharges维持费用subjectinsured风险标的suminsured保额tarrifzone险区ThirdPartyLiability(TPL第三者责任险treatiesbusinessstormsurges风暴潮susceptibilityofgoodstowatertarrif费率表TG拐点周期tidalwavetopographicmaptornadototalsuminsuredtreaty-limitstubestructure筒体构造underwritingpolicywindstormInsurance保险法Lawof InsurancePolicyInsuredAmountInsurancePremium保险人InsurerInsuranceAgent

turnover营业额underwriting承保workingexpenses/cost营业费用writing承保InsuranceBroker财产保险Property InsuranceProductLiabilityInsurance劳工保险和雇主责任保险WorkersCompensationandEmployer LiabilityInsuranceAnnuitiesInsurance人寿保险Life InsuranceEndowmentAssurance现金价值Cash Value终身寿险WholeLife Insurance再保险Reinsurance保险根本英语术语累积结余(accumulatedvalue)保险根本英语术语累积结余(accumulatedvalue)全险(allrisks)年金(annuity)比例计算法(average)「比例分担」条文(averagecondition)受益人(beneficiary)改善(betterment)(burglary)现金价值(cashvalue)保险凭证(certificateofinsurance)赔偿(claim)损害赔偿合约(contractofindemnity)间接损失(consequentialloss)分摊(contribution)互有疏忽(contributorynegligence)参与供款打算(contributoryplan)可转换定期寿险(convertibleterminsurance)可转换定期寿险(convertibleterminsurance)冷静期(cooling-offperiod)保障范围(cover)承保单(附条文收据)(covernote(conditionalreceipt))客户保障声明书(customerprotectiondeclarationform)递减定期寿险(decreasingterminsurance)自付额/免赔额(deductible)界定福利打算(definedbenefitplan)重复补偿(doubleindemnity)批单(endorsements)储蓄保险(endowmentinsurance)不受保工程(exceptions)自付额(excess)不受保工程(exclusion)见exclusions起赔额〔率〕(franchise)不行争议条款(incontestabilityprovision)可保权益(insurableinterest)中间人(intermediary)儿童保险单(juvenileinsurancepolicy)定额定期寿险(levelterminsurance)雇员征费(levy)有限责任(limitsofliability)理赔师(lossadjuster)恶意破坏(maliciousdamage)重大转变(materialchanges)重要事实(materialfact)期满(maturity)期满日(maturitydate)指定风险保险(namedperilpolicy)疏忽(negligence)缴清保单(paid-uppolicy)终身寿险(permanentlifeinsurance)个人责任(personalliability)个人责任(personalliability)保单(policy)保单附加条款(policyrider)保单现金提取条款(policywithdrawalprovision)保费(premium)第一受益人(primarybeneficiary)公众责任(publicliability)附加保障(rider)标准风险(standardrisks)次标准风险(substandardrisks)不保条款(suicideexclusionprovision)投保额(suminsured)退保手续费(surrendercharge)定期寿险(termlifeinsurance)第三者(thirdparty)第三者责任(thirdpartyliability/publicliability)完全及永久伤残(totalandpermanentdisability)投保缺乏(under-insurance)核保人(underwriters)核保(underwriting)最高诚信(utmostgoodfaith)投资人寿保险(variablelifeinsurance)无效(void)保费豁免/伤残权益(waiverofpremiumfordisabilitybenefit)保费豁免/支付**益(waiverofpremiumforpayerbenefit)终身寿险(wholelifeinsurance)每年续保定期打算(yearlyrenewableterm)InsuranceInsurancePolicy(orCertificate)保险单〔或凭证〕1.Risks&Coverage(1)freefromparticularaverage(F.P.A.)平安险(2)withparticularaverage(W.A.)水渍险〔根本险〕(4)totallossonly(T.L.O.)全损险〔扩展〕条款(8)fromwarehousetowarehouseclauses(9)theft,pilferageandnondelivery(T.P.N.D.)盗窃提货不着险(10)rainfreshwaterdamage(11)riskofshortage(12)riskofcontaminationofleakage(14)riskofclashing&breakageofodour(16)damagecausedbysweatingand/orheating受潮受热险(18)lossand/ordamagecausedbybreakageofpacking包装裂开险ofrustingofmould(21)strike,riotsandcivilcommotion(S.R.C.C.)罢工、暴动、民众骚乱险(22)risk(22)riskofspontaneouscombustionrisk(24)inherentvicerisk(25)riskofnaturallossornormalloss险(26)specialadditionalrisktodelivery(32)fireriskextensionclause-forstorageofcargoatdestinationHongKong,includingKowloon,orMacao出口货物到香港〔包括九龙在内〕或澳门存仓火险责任扩展条款(33)surveyincustomsrisk(34)surveyatjettyrisk(35)institutewarrisk(36)overlandtransportationrisks(37)overlandtransportationallrisks(38)airtransportationrisk(39)airtransportationallrisk(40)airtransportationwarrisk(41)parcel(41)parcelpostrisk(42)parcelpostallrisk(43)parcelpostwarrisk(44)investmentinsurance(politicalrisks)投资保险〔政治风险〕(46)erectionallrisks(47)contractorsallrisks金融英语〔fect〕：保险业英文术语(二)2.thestipulationsforinsurance(1)marineinsurancepolicy(3)voyagepolicy(4)timepolicy(5)floatingpolicy(oropenpolicy)流淌保险单(6)oceanmarinecargoclauses(7)oceanmarineinsuranceclauses(frozenproducts)海洋运输冷藏货物保险条款(8)oceanmarinecargowarclauses款(9)oceanmarineinsuranceclauses(woodoilinbulk)海洋运输散装桐油保险条款(10)overlandtransportationinsuranceclauses(train,trucks)陆上运输货物保险条款〔火车、汽车〕overlandtransportationinsuranceclauses(frozenproducts)陆上运输冷藏货物保险条款airtransportationcargoinsuranceclauses航空运输货物保险条款warriskclauses货物战斗险条款parcelpostinsuranceclausesparcelpostwarriskinsuranceclauses邮包战斗保险条款livestock&poultryinsuranceclauses(bysea,landorair)活牲畜、家禽的海上、陆上、航空保险条款…risksclausesoftheP.I.C.C.subjecttoC.I.C.依据中国人民保险公司的保险条款投保……险marineinsurancepoliciesorcertificatesinnegotiableform,for110%fullCIFinvoicecoveringtherisksofWar&W.A.asperthePeople”sInsuranceCo.ofChinadated1/1/1976.withextendedcoveruptoKualaLumpurwithclaimspayablein(at)KualaLumpurinthecurrencyofdraft(irrespectiveofpercentage)作为可议付格式的海运保险单或凭证依据到岸价的发票金额110%投保中国人民保险公司197611日的战斗险和根本险，负责到吉隆坡为止。依据汇票所使用的货币在吉隆坡赔付〔无免赔率〕orcertificatesettlingagent”snameistobeindicated,anyadditionalpremiumtocoverupliftbetween10and17%maybedrawninexcessofthecreditualue10-17%可在本证金额以外支付insurancepolicy(certificateNameofAssuredtobeshowed:A.B.C.Co.LtdA.B.C.为被保险人insurancepolicyorcertificatecoveringW.A.(orF.P.A.)andwarrisksasperoceanmarinecargoclauseandoceanmarinecargowarriskclausesofthePeople”sInsuranceCompanyofChinadated1/1/1981险公司198111险条款投保水渍险〔或平安险〕和战斗险insurancepolicy/certificatecoveringallwarminesrisks/凭证投保一切险、战斗险、地雷险〔注：mines为地雷，属于战斗险的负责范围，可以承受〕mustbevalidforperiodof60daysafterthedischargeofgoods60intriplicatecoveringallrisksandwarrisksincludingW.A.andbreakageinexcessoffivepercentonthewholeconsignmentandincludingW/Wuptobuyer”sgodowninPenang投保一切险和战斗险包括水渍险，裂开损失有5%确定免赔率，按全部货物计算，包括仓至仓条款，负责到买方在槟城的仓库为止〔的保险单〕一式三份insurancepolicyissuedofendorsedtoorder…forthefacevalueofinvoiceplus10%coveringincludingwarwith15daysafterarrivalofgoodsatdestination,onlyagainstT.P.N.D10%投保战斗险，货物到达目的地15给……insurancepolicyorcertificateissuedbyaninsuranceCo.withW.P.A.clausecoveringthemerchandiseforabout10%abovethefullinvoicevalueincludingunlimitedtranshipmentwithclaimspayableatSingapore10%投保水渍险，包括非限定转船的损失，在加坡赔付coveringalleventualriskscoveringallmarinerisksmarineinsurancepolicyincluding“bothotblame“fullycoveringtheshipment单包括负责船舶互撞条款和全部货载…clauses道条款〔变更航程条款〕coveringoverlandtransportationallrisksasperoverlandtransportationcargoinsuranceclauses(train,trucks)ofthePeople”sInsuranceCompanyofChinadated…〔火车、汽车〕投保陆上运输一切险coveringairtransportationallriskasperairtransportationcargoinsuranceclausesofP.I.C.C.依据中国人民保险公司×年×月×日航空运输货物保险条款投保航空运输一切险(33)insurancepolicyorcertificatecoveringparcelpostallrisksincludingwarrisksasperparcelpostinsuranceclausesandparcelpostwarriskinsuracneclausesofthePeople”sInsuranceCompanyofChinadate中国人民保险公司×年×月×日邮包保险条款和邮包战斗险条款投保邮包一切险和邮包战斗险coveringallrisksincludingwarrisksasperoceanmarinecargoclausesandairtransportationcargoinsuranceclausesandoceanmarinecargowarriskclausesandairtransportationcargowarriskclausesofthePeople”sInsuranceCompanyofChinadated…依据中国人民保险公司×年险和战斗险asperoceanmarinecargoclausesandoverlandtransportationcargoinsuranceclause(train,truck)ofP.I.C.C.dated…依据中国人民保险公司×年×月×日〔火车、汽车〕投保海陆联运一切险risksincludingwarrisksasperoverlandcargoinsuranceclauses(train,truck)andaircargoinsuranceclausesandairtransportationcargowarriskclauseandwarclauses(forcargobyrail)ofthePeople”sInsuranceCompanyofChinadated…依据中国人民保险公司×年×月×日陆运货物保险火车、汽车〕和空运货物保险条款以及空运货物战斗险条款和铁路货运战斗条款投保陆空陆联运一切险和战斗险includingshortageinweightinexcessof0.5%(with确定免赔率〔0.5%相对免赔率〕，按全部货物计算andclashing凹瘪险includingriskofchipping&denting包括碎裂或凹弯险includingriskofbadodourincludingdamagebyhooks,oils,mudsandcontactwithothercargo(insuredvalue)包括钩损、油污、泥污以及和他物接触所致的损失〔以保险价值为限〕includingdamagecausedbyrainfre