来源: 浣氬悕 2014-09-03


  保险英语复习概要(不保证一定考, 也不保证不考)

  保险利益原则 ----- principle of insurable interest

  损失补偿原则 ----- principle of indemnity

  代位求偿原则 ----- principle of subrogation

  最大诚信原则 ----- principle of utmost good faith

  近因原则 ----- principle of proximity

  风险分担 ----- risk-sharing/risk-pooling

  分散风险 ----- spreading risk

  保险人 ----- insurer/ underwriter

  投保人 ----- insurance applicant

  被保险人 ----- Insured

  受益人 ----- beneficiary

  保险代理人 ----- insurance agent

  保险经纪人 -----insurance broker

  保险公估人 ----- insurance surveyor/ adjuster/appraiser

  保险条款 ----- insurance clause/ treatment

  不可抗辩条款----- incontestable clause

  保费 ----- premium

  保险标的 ----- subject –matter of insurance

  保险价值 ----- insured value// (1)

  保险索赔 ----- claim

  告知 ----- representation

  声明 ----- declaration

  误告 ----- misrepresentation

  死亡表 ----- life table/ mortality table

  Rate-making ----- 费力厘定

  Occupancy ----- 用途

  Construction ----- 构造

  Protection ----- 防护

  Location ----- 位置

  大数法则 ----- law of large numbers

  效应理论 ----- utility theory

  毛保费 ----- gross premium

  纯保费 ----- net premium

  附加保费 ----- loading premium

  均衡保费 ----- level premium

  趸缴保费 ----- lump sum premium/single premium

  准备金 ----- reserve

  现金价值 ----- cash value

  附加条款 ----- rider

  保险期间 ----- insurance period

  保额 ----- amount of insurance

  保险索赔 ----- claim

  保险责任(受保范围) ------ coverage

  除外责任 ------ exclusion

  保证 ----- warranty

  隐瞒 ----- concealment

  要约 ----- offer

  反要约 ----- counteroffer

  保单不丧失权益-----nonforfeiture benefits

  延期定期寿险 ----- deferred term life insurance

  两全保险 ----- endowment life insurance

  万能寿险 ----- universal life insurance

  分红寿险 -----participating life insurance

  红利 ---- dividend

  养老金 ----- pension

  联合人寿-----joint life

  投连险 ----- unit-linked life insurance

  定期寿险 ----- term life insurance

  终身寿险 ----- whole life insurance

  变额万能寿险 ----- variable universal life insurance

  年金寿险 ----- annuity life insurance

  财产保险 ----- Property casualty insurance

  巨灾保险 ----- catastrophe insurance /Act of God insurance

  重大疾病保险 -----critical illness/dreadful illness insurance

  意外保险 ----- accidental insurance

  重复保险 ------double insurance

  投保单 ----- application form/proposal form

  保单 ----- insurance policy

  暂保单 ----- binding slip/cover note

  批单 ------ endorsement

  保险凭证(小保单) -----certificate of insurance

  保单持有人 ----- policyholder/policyowner

  再保险 -----Reinsurance

  分出公司 ----- ceding company

  分入公司 ------ceded company

  国有保险公司 -----state-owned insurance company

  股份制保险公司 ---- stock-based insurance company

  自保公司 ----- captive company

  相互保险公司 ----- mutual company

  合作保险公司 ------ cooperative company

  互助保险公司 ------ fraternal company

  Risk ----- a measure of possible variation of economic outcomes.

  Hazard ----- a condition that increases the chance of loss due to a


  Peril ----- risk event or risk incident which refers to a possible cause

  of loss.

  Exposure to risk ----- a situation created whenever an act gives rise

  to possible gain or loss that cannot be predicted

  Cost of risk ----- the cost imposed upon organizations because of the presenceof risk.

  Asymmetric information----- one party of insurance contract possesses

  more knowledge than the other.

  Moral Hazard----- a potential cost of insurance in which the presence

  of insurance increases the tendency for losses to occur through careless,

  irresponsible, or perhaps illegal behavior.

  Adverse selection----- a potential effect of insurance whereby

  worse-than-average risks are likely to buy insurance

  1. 财产保险的定义有狭义和广义之分。

  Property insurance can refer to two kinds of definition, viz.

  property casualty insurance in a narrow sense and broad sense.


  In conformity to the insurance value, property insurance can be

  classified into fixed value and unfixed value insurance.


  Natural disasters comprise thundering, lightning, rainstorm, hail, floods, tidal wave

  Tsunami, Tempest, typhoon, cyclone, tornado, hurricane ,rockslide, avalanche, subsidence of ground, earthquake , subterranean fire,

  volcanic eruption and so forth,

  all of which may give rise to innumerable cases of loss to properties

  or death or personal injury.


  The basic tenet of insurance is spreading of risk.


  Double insurance means that teo or more policies are effected on the same interest.


  The important role of insurance is apparent to the social public.

  7.俗话说, 天有不测风云, 人有旦夕祸福。

  As the saying goes, in nature there are unexpected storms and in life there are unpredictable


  8. 免赔额是指保单中规定的某一金额或百分比,赔额必须超过该金额或百分比时方予赔偿。

  Deduction denotes an amount or percentage specified in the policy which must be exceeded

  before a claim is payable.

  9. 机动车辆保险标的主要是车身和第三者责任。

  The subject-matter of motor vehicle insurance is motor vehicle and third party liability in the main.

  10. 任何保险文件, 如保险契约、保单、保险凭证、暂保单的变动或补充都可以通过背书办理。

  Any amendment or addition to a existing insurance document such as an insurance

  contract, policy, insurance certificate or cover note can be made by endorsement.

  11. 损失的可能性越大,缴纳的保险费就越多。

  The more probable the loss, the greater the premium will be.

  风险成为可保风险的条件(what makes a risk insurable?)

  1. It should be economically feasible.

  2. The economic value of the insurance should be calculable.

  3. The loss must be definite.

  4. The loss must be random in nature.

  5. The exposure in any rate class must be homogenous.

  6. Exposure units should be spatially and temporally independent.

  1. 风险应该经济上可行

  2. 经济价值可以计算的

  3. 损失是有限的

  4. 损失是随机的

  5. 风险在任何一类风险中是同质的

  6. 风险单位是暂时的在空间上独立。


  All business and individuals that own, rent,

  or use property are exposed to the risk that property may be damaged,

  destroyed. or stolen. Property owned or used outside of the building may

  also be susceptible to loss. Typical examples include trucks, automobiles,

  and mobile equipment. To fully analyze property risk exposures, businesses

  must consider both the types of property susceptible to loss and the potential

  sources of such risk. Sources of risk include not only fire and lightning

  but also theft, tornadoes, hurricanes,

  explosions, riots, collisions, falling objects, floods, earthquakes, and freezing,

  to name only a few.

  风险管理过程(Risk management process)

  1. identify risks

  2. evaluate risks

  3. select risk management techniques

  4. implement and review decisions