保险英语词汇标准翻译

保险词汇

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 
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

Free from Particular Average（F.P.A.）　 平安险 
With Particular Average （W.P.A.）　 水渍险 
All Risks　 一切险 
risk of breakage 　破碎险 
risk of clashing　 碰损险 
risk of rust　 生锈险 
risk of hook damage　 钩损险 
risk of contamination (tainting) 　污染险 
insurance against total loss only (TLO) 　全损险 
risk of deterioration 　变质险 
risk of packing breakage　 包装破裂险 
risk of inherent vice　 内在缺陷险 
risk of normal loss (natural loss)　 途耗或自然损耗险 
risk of spontaneous combustion 　自然险 
risk of contingent import duty 　进口关税险 
insurance against war risk 　战争险 
Air Transportation Cargo War Risk　 航空运输战争险 
overland Transportation Insurance War Risk　 陆上运输战争险 
insurance against strike, riot and civil commotion (SRCC)　罢工，暴动，民变险 
insurance against extraneous risks, insurance against additional risks　 附加险 
risk of theft, pilferage and nondelivery (TPND) 　盗窃提货不着险 
risk of fresh and/of rain water damage(wetting) 　淡水雨淋险 
risk of leakage　 渗漏险 
risk of shortage in weight/quantity 　短量险 
risk of sweating and/or heating 　受潮受热险 
risk of bad odour(change of flavour)　恶味险，变味险 
risk of mould 　发霉险 
on deck risk　 舱面险

acceptance policy 核保政策 
accounting period 结算期 
aggregate limit 累积限额 
aggregated loss 累积损失 
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 
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 
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 
full liability 全部责任 
Geophysics Institute 地球物理研究所 
GNPI 总净保费收入 
hailstorm 雹暴 
heavy damage 严重破坏 
hollow brick wall 空斗砖结构 
hour clause 小时条款 
hurricane 飓风 
individual losses 单一损失 
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 
loss participation 分担损失 
loss settlement 损失赔付 
magnitude 震级 
malicious damage 恶意损害 
moderate damage 中度破坏 
multi-story building 多层建建筑 
Munich Re 慕尼黑再 
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 
PICC Re 中保再 
placement 安排 
PML 可能最大损失 
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 
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 
susceptibility of goods to water 易受水浸性 
tarrif 费率表 
TG 拐点周期 
tidal wave 海啸 
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 
abandonment clause 委付条款 
act of god 不可抗力 
actuary 保险精算师 
all-risks policy一切险保单 
assignment clause 转让条款 
average adjuster 海损理算人 
average clause 共同海损分担条款 
average 海损、海损分摊 
branch of insurance 保险类别 
cargo damage survey 货损检验 
cargo insurance 货物保险 
certificate of insurance 保险证明书 
claim 索赔 
claim assessor 索赔人 
claim 索赔 
compulsory insurance 强制保险 
coverage 保险总额 
damage certificate 损坏证明书 
damage claim 损坏索赔 
damage 损坏赔偿金 
deposit premium 预付保险费 
endorsement 签注 
endowment policy 人寿定期保险单 
expiration of policy 保险单满期 
faa ( free of all average) 全损赔偿 
fire insurance 火险 
fpa ( free of particular average) 单独海损不赔 
free of average 全损赔偿 
general average 共同海损 
general policy condition 保险单一般规定 
indemnity 赔款 
indemnity 损害赔偿 
in-full premium 全部保险费 
initial premium 初期保险费 
insurance broker 保险经纪人 
insurance company 保险公司 
insurance policy 保险单 
insurance premium 保险费 
insured, assured 被保险人 
insurer, underwriter 保险人；保险商 
jettison 投弃 
knock-for-knock agreement 互撞免赔协议 
liability insurance 责任保险 
life assured 人寿保险投保人 
life fund 人寿保险基金 
life insurance 人寿保险 
loading 人寿保险附加费 
loss adjuster 损失理算人 
loss ratio 赔付率 
marine insurance 海损保险 
maritime transportation insurance 海洋运输保险 
mortality tables 死亡率表（用于计算保险风险） 
motor insurance 汽车保险 
mutual insurance company 互助保险公司 
natural calamities 自然灾害 
natural losses 自然损耗 
no-claims bonus 无索偿奖金 
notice of loss 损害通知书 
null and void 宣告无效 
obligation of compensation for loss 赔偿的义务 
particular average 单独海损 
policy-holder 保险客户 
reinsurance 再保险；转保 
renewal premium 续保费 
renewal 续保；延期 
salvage value 残值；获救货物或船舶的价值 
sum insured 保险金额 
survey 查勘 
termination of risk 保险责任终止 
third party insurance 第三方保险 
time hull insurance 船舶定期保险 
time limit for filing claims 索赔时限 
time policy 定期保险单 
to renew 续保 
u/w (underwriter) 承保人

累积结余 (Accumulated Value) 
人寿保单（有储蓄成份的）之现金价值结余。 
全险 (All Risks) 
年金 (Annuity) 
受领人（Annuitant）

比例计算法 (Average) 
「比例分担」条文 (Average condition) 
受益人 (Beneficiary) 
保单持有人所指定承受保险赔偿金的个人或个体。 
改善 (Betterment) 
盗窃罪 (Burglary) 
现金价值 (Cash value) 
保险凭证 (Certificate of insurance) 
赔偿 (Claim) 
损害赔偿合约 (Contract of indemnity) 
间接损失 (Consequential loss) 
分摊 (Contribution) 
互有疏忽 (Contributory negligence) 
参与供款计划 (Contributory plan) 
可转换定期寿险 (Convertible term insurance) 
冷静期 (Cooling－off period) 
保障范围 (Cover) 
承保单(附条文收据)(Cover note (conditional receipt)) 
客户保障声明书 (Customer protection declaration form) 
递减定期寿险 (Decreasing term insurance) 
自付额/免赔额 (Deductible)

界定福利计划 (Defined benefit plan) 
界定供款计划 (Defined contribution plan) 
重复补偿 (Double indemnity) 
批单 (Endorsements) 
储蓄保险 (Endowment insurance) 
不受保项目 (Exceptions) 
自付额 (Excess) 
不受保项目 (Exclusion) 
起赔额（率） (Franchise) 
不可争议条款 (Incontestability provision) 
可保权益 (Insurable interest) 
中间人 (Intermediary) 
儿童保险单 (Juvenile insurance policy) 
定额定期寿险 (Level term insurance) 
雇员征费 (Levy) 
有限责任 (Limits of liability) 
理赔师 (Loss adjuster) 
恶意破坏 (Malicious damage) 
重大转变 (Material changes) 
影响风险的情况转变。 
重要事实 (Material fact) 
期满 (Maturity) 
储蓄人寿保单的有效期届满。 
期满日 (Maturity date) 
指定风险保险 (Named peril policy) 
疏忽 (Negligence) 
缴清保单 (Paid－up policy) 
需支付保费而保障维持有效之保单。 
风险 (Perils) 
终身寿险 (Permanent life insurance) 
个人责任 (Personal liability) 
保单 (Policy) 
列出保险合约条文的文件。 
保单附加条款 (Policy rider) 
保单现金提取条款 (Policy withdrawal provision) 
保费 (Premium) 
第一受益人 (Primary beneficiary) 
公众责任 (Public liability) 
附加保障 (Rider) 
标准风险 (Standard risks) 
次标准风险 (Substandard risks) 
自杀不保条款 (Suicide exclusion provision) 
投保额 (Sum insured) 
退保手续费 (Surrender charge) 
定期寿险 (Term life insurance) 
第三者 (Third party) 
第三者责任 (Third party liability / Public liability) 
完全及永久伤残 (Total and permanent disability) 
投保不足 (Under－insurance) 
核保人 (Underwriters) 
核保 (Underwriting) 
保险公司对受保人作风险评估之程序。 
最高诚信 (Utmost good faith) 
投资人寿保险 (Variable life insurance) 
无效 (Void) 
保费豁免/伤残权益 (Waiver of premium for disability benefit) 
投保人因意外受伤而失去工作能力可获豁免缴交保费 
保费豁免/支付人权益 (Waiver of premium for payer benefit) 
终身寿险 (Whole life insurance) 
每年续保定期计划 (Yearly renewable term)