保险基本英语术语 1. 累积结余 (accumulated value) 人寿保单（有储蓄成份的）之现金价值结余。 2. 全险 (all risks) 这个名词表面涵义使人有点混淆，以为这类保险包括范围相当广泛。事实上，有些风险仍然不在承保之列。换言之，投保人不应对「全险」 一词顾名思义，而应详细阅读保单内的条文。 3. 年金 (annuity) 年金计划是一种向保险公司领取现金的保险计划，用途多以作为养老金。保险公司会收取受领人（annuitant）一笔款项作为支付年金的代价。年金的受领人可以一个或多过一个，而购买年金可以在开始时一次过缴付，亦可以是预先分期缴付。 4. 比例计算法 (average) 保持十足的投保额，使承保人能收取足够的保费是极为重要的，如投保额不足，保险公司会采用「比例制度」。这个制度乃为投保额不足的情况而设，让投保人需要承担不足部分的风险。现时大部分财物和财务方面的保险都采用比例制度来计算赔偿。 5. 「比例分担」条文 (average condition) 应用于财物保险(船舶保险除外)。如投保额低于重置财物之市值，则赔偿额会于赔偿时按比例减少。 6. 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。 7. 改善 (betterment) 投保于「赔偿契约」保单的财物，经重建或修理后有所改善。 8. 盗窃罪 (burglary) 通常指强行或以暴力进入或离开有关场所的偷窃行为，较完全偷窃保险的限制为多。 9. 现金价值 (cash value) 保单持有人在取消保单合约时可以取回之款项。 10. 保险凭证 (certificate of insurance) 由团体保单持有人对个别受保人发出之保险证明，内容清楚说明受保范围。 11. 赔偿 (claim) 根据保单条款而支付的款项。 12. 损害赔偿合约 (contract of indemnity) 适用于财物保险，目的是赔偿投保人遭受的损失，主要是避免投保人从不幸中获利（得到的赔偿比损失为大）。由于个人意外保险已有一个预先协议的赔偿额，所以不属于损害赔偿合约。 13. 间接损失 (consequential loss) 因财物损毁而引致的额外金钱损失。 14. 分摊 (contribution) 避免投保人因购买多于一份财物或财务保险，而从该项损失中获益。当投保人购买多份保单，而出现下列的情况，便会采用分摊原则： (一) 在同类受保危险的同一损失或破坏； (二) 同一事故； (三) 同一投保人的相同利益。 15. 互有疏忽 (contributory negligence) 根据法律原则，受伤人士可能要为自己受伤负上责任。例如，若您同意乘坐一辆由醉酒者驾驶的车辆，结果引致受伤，您便可能承担互有疏忽的责任。 16. 参与供款计划 (contributory plan) (一) 团体成员需为其享有之团体保险保障作出全部或部分保费承担。 (二) 需要雇员供款之退休计划。 17. 可转换定期寿险 (convertible term insurance) 此乃定期寿险之一种，在指定日期内保单持有人可选择将保单转换成终身寿险。 18. 冷静期 (cooling-off period) 于「冷静期」内，保单持有人有权取消保单。此权益可让投保人可重新考虑是否愿意承担寿险产品的长期契约。 保险英语常用词汇 insure 保险；投保；保证 insurance 保险；保险费；保险金额 underwriters 保险商（指专保水险的保险商）保险承运人 insurance company 保险公司 insurer 保险人 insurance broker 保险经纪人 insurance underwriter 保险承保人 insurance applicant 投保人 insurant, the insured 被保险人，受保人 to cover (effect,arrange,take out) insurance 投保 insurance coverage;risks covered 保险范围 insurance slip 投保单 insured amount 保险金额 insurance against risk 保险 insurance clause 保险条款 insurance instruction 投保通知 insurance business 保险企业 insurance conditions 保险条件 PICC (People’s Insurance Company of China) 中国人民保险公司 risk insured, risk covered 承保险项 risk 险别 to provide the insurance 为...提供保险 leaflet 说明书 fine print 细则 insurance expense 保险费 premium rate 保险费率 premium 保险费 insurance rate 保险费率表 insurance proceeds 保险金（保险收入） insurance free of (from) particular average (FPA). 平安险（单独海损不赔） insurance with particular average (WPA), basic risks. insurance against all risks. 综合险，应保一切险 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 (TRND) 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 ocean marine cargo insurance clauses 海洋运输货物保险条款 transportation insurance 运输保险 overland transportation insurance, land transit insurance 陆上运输保险 insurance against air risk, air transportation insurance 航空运输保险 parcel post insurance 邮包运输保险 ocean marine cargo insurance, marine insurance 水险（海运货物保险） All Risks 一切险 average 海损 Particular Average () 单独海损 General Average () 共同海损 Marine Losses 海损 partial loss 部分损失 total loss 全部损失 health insurance 疾病保险，健康保险 sickness insurance 疾病保险 insurance for medical care 医疗保险 "major medical" insurance policy 巨额医药费保险 insurance during a period of illness 疾病保险 life insurance 人寿保险 endowment insurance 养老保险 insurance on last survivor 长寿保险 to purchase health insurance 购买健康保险 to have a health insurance policy 购买健康保险 Additional Words and Phrases policy-holder 保险客户 extra premium 额外保险费 additional premium 附加保险费 insurance law 保险法 insurance act 保险条例 insurance industry? 保险业 insurance division 保险部 insurance treaty 保险合同 cover note 保险证明书 guarantee of insurance 保险担保书 premium rebate 保险费回扣 insurance claim 保险索赔 ceding, retrocession(for reinsurance) 分保 reinsurance 分保（再保险） ceding(insurance)company 分保公司 co-insurance company 共同保险公司 insurance document 保险单据 certificate of insurance 保险凭证 increasing coverage, extending coverage 加保 renewing coverage 续保 insurance commission 保险佣金 social insurance 社会保险 personal property insurance 个人财产保险 insurance of contents 家庭财产保险 Words and Phrases insure 保险；投保；保证 insurance 保险；保险费；保险金额 underwriters 保险商（指专保水险的保险商）保险承运人 insurance company 保险公司 insurer 保险人 insurance broker 保险经纪人 insurance underwriter 保险承保人 insurance applicant 投保人 insurant, the insured 被保险人，受保人 to cover (effect,arrange,take out) insurance 投保 insurance coverage;risks covered 保险范围 insurance slip 投保单 insured amount 保险金额 insurance against risk 保险 insurance clause 保险条款 insurance instruction 投保通知 insurance business 保险企业 insurance conditions 保险条件 risk insured, risk covered 承保险项 time hull insurance 船舶定期保险 marine insurance 海损保险 maritime transportation insurance 海洋运输保险 fire insurance 火险 cargo insurance 货物保险 compulsory insurance 强制保险 life insurance 人寿保险 insurance policy 保险单 expiration of policy 保险单满期 general policy condition 保险单一般规定 insurance premium 保险费 initial premium 初期保险费 in-full premium 全部保险费 insurance company 保险公司 sum insured 保险金额 policy-holder 保险客户 branch of insurance 保险类别 insurer, underwriter 保险人；保险商 termination of risk 保险责任终止 coverage 保险总额 insured, assured 被保险人 survey 查勘 reinsurance 分保 recheck 核对 average 海损 particular average 单独海损 general average 共同海损 cargo damage survey 货损检验 obligation of compensation for loss 赔偿的义务 loss ratio 赔付率 indemnity 赔款 indemnity 损害赔偿 claim 索赔 time limit for filing claims 索赔时限 notice of loss 损害通知书 to renew 续保 null and void 宣告无效 deposit premium 预付保险费 reinsurance 再保险 natural losses 自然损耗 natural calamities 自然灾害 保险类别（中英文对照） （1）free from particular average （.） 平安险 （2）with particular average （.） 水渍险（基本险） （3）all risk 一切险（综合险） （4）total loss only （.） 全损险 （5）war risk 战争险 （6）cargo（extended cover）clauses 货物（扩展）条款 （7）additional risk 附加险 （8）from warehouse to warehouse clauses 仓至仓条款 （9）theft，pilferage and nondelivery （.） 盗窃提货不着险 （10）rain fresh water damage 淡水雨淋险 （11）risk of shortage 短量险 （12）risk of contamination 沾污险 （13）risk of leakage 渗漏险 （14）risk of clashing & breakage 碰损破碎险 （15）risk of odour 串味险 （16）damage caused by sweating and/or heating 受潮受热险 （17）hook damage 钩损险 （18）loss and/or damage caused by breakage of packing 包装破裂险 （19）risk of rusting 锈损险 （20）risk of mould 发霉险 （21）strike， riots and civel commotion （.） 罢工、暴动、民变险 （22）risk of spontaneous combustion 自燃险 （23）deterioration risk 腐烂变质险 （24）inherent vice risk 内在缺陷险 （25）risk of natural loss or normal loss 途耗或自然损耗险 （26）special additional risk 特别附加险 （27）failure to delivery 交货不到险 （28）import duty 进口关税险 （29）on deck 仓面险 （30）rejection 拒收险 （31）aflatoxin 黄曲霉素险 （32）fire risk extension clause-for storage of cargo at destination Hongkong， including Kowloon， or Macao 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）survey in customs risk 海关检验险 （34）survey at jetty risk 码头检验险 （35）institute war risk 学会战争险 （36）overland transportation risks 陆运险 （37）overland transportation all risks 陆运综合险 （38）air transportation risk 航空运输险 （39）air transportation all risk 航空运输综合险 （40）air transportation war risk 航空运输战争险 （41）parcel post risk 邮包险 （42）parcel post all risk 邮包综合险 （43）parcel post war risk 邮包战争险 （44）investment insurance（political risks） 投资保险（政治风险） （45）property insurance 财产保险 （46）erection all risks 安装工程一切险 （47）contractors all risks 建筑工程一切险 财产保险索赔程序（中英文双语版） a loss is known to have occurred which may give rise to a claim under the Policy, you should notify Brokers, Agents, Insurers and report to Police Station (in case of burglary, theft, fire, malicious damage to other similar nature) immediately by phone and give contact phone number and person.当发生可能是保险责任范围内的损失时，应当立即通知保险经纪人、代理人、被保险人；如案件涉及盗窃、火灾，或恶意破坏时应报告公安机关并留下联系电话和联系人。 notice thereof in writing to the Insurers together with a Claim Form and shall within 30 days after such destruction or damage, or such future time as the Insurers may in writing allow.以书面形式通知保险人，并在保险公司允许的时间内（一般为30天）填写出险通知书和索赔清单。 claim form is filled and this will provide the insurers with the following information:向保险人提供包括下列内容的表格： a)Date, cause, and circumstances of the incident;事故发生的时间、原因及损失程度 b)Situation and occupancy of the premises;房屋的占用情况及性质 c)Capacity in which the insured claims (whether for example, as owner, or mortgagee);索赔人的地位，举例说是业主或是抵押债权人 d)Whether any other person is interested in the property damaged;其他人是否对受损财产有利益存在 e)Whether there is any other insurance in force.是否有其他保险存在 to the Insurers a detailed claim in writing containing:以书面形式向保险人提供详细之索赔清单，包括： a)List of property destroyed or damaged;损毁财物的清单 b)The amount of destruction or damage thereto respectively having regard to their value at the time of the destruction or damage受损毁时的数量和价值 properties/scene affected and make them available for inspection by a representative or surveyor of the Insurers for a reasonable period of time but the Insured shall not in any case be entitled to abandon any property to the Insurers whether taken possession of by the Insured or not.在合理的时间内保持现场，以便保险人的代表或查勘人员到场查勘，无论如何，被保险人不得放弃任何财产，保险人不接受委付。 all such information and documentary evidence as the Insurers may require.提供保险人所需的情况、资料、单证。 and assist the Police authorities in case of loss or damage due to theft or burglary or malicious action or fire.发生盗窃案时通知公安当局并提供协助 to the Insurers all information and assistance to enable the Insurers to proceed subrogation or institute proceedings.向保险人提供资料和帮助，以便保险人可以行使代位追偿的权利 Required Document所需主要文件 a)Incident Report事故报告 b)Police Station Location and Police report, fire report 公安机关证明、火灾原因报告c)Quotations 报价单 d)Invoices 发票 e)Accounting records and inventory 账册及盘点清单 f)Authorization and Subrogation letter （向第三者追偿的）授权书、追偿书 g)Photos showing the extent of claim 照片（可表明损失程度） h)Other information upon request of Insurers其他保险人需要的资料 Note 重要通知 a)The Insured should not disturb the incident scene, 被保险人不得破坏现场 b)It is the duty of the Insured to minimize the extent of loss and safeguard all damaged property. 减少损失，保护受损财产是被保险人的义务 c)Do not throw away any damaged property until the Insurers has inspected the damaged item and consented to remove it from your premises. 在保险人查勘受损财产并同意清理现场之前，被保险人不得擅自放弃受损财物 d)To take photos of the damaged items immediately after the loss/damage is discovered.一旦发现（财物）受损，应将受损物品拍照。 保险行业日常用语（一） I'm looking for insurance from your company. 我是到贵公司来投保的。 Mr. X met Mr. Y in the office of the People' Insurance Company of China. X先生在中国人民保险公司的办公室接待了Y先生。 After loading the goods on board the hip, I go to the insurance company to have them insured. 装船后，我到保险公司去投保。 When should I go and have the tea insured? 我什么时候将这批茶叶投保？ All right. Let's leave insurance now. 好吧，保险问题就谈到这里。 I have come to explain that unfortunate affair about the insurance. 我是来解释这件保险的不幸事件的。 I must say that you've corrected my ideas about the insurance. 我该说你们已经纠正了我对保险的看法。 This information office provides clients with information on cargo insurance. 这个问讯处为顾客提供大量关于货物投保方面的信息。 The underwriters are responsible for the claim as far as it is within the scope of cover. 只要是在保险责任范围内，保险公司就应负责赔偿。 The loss in question was beyond the coverage granted by us. 损失不包括在我方承保的范围内。 The extent of insurance is stipulated in the basic policy form and in the various risk clause. 保险的范围写在基本保险单和各种险别的条款里。 Please fill in the application form. 请填写一下投保单。 What risks is the People's Insurance Company of China able to cover? 中国人民保险公司承保的险别有哪些？ What risks should be covered? 您看应该保哪些险？ What kind of insurance are you able to provide for my consignment? 贵公司能为我的这批货保哪些险呢？ It's better for you to can the leaflet, and then make a decision. 你最好先看看说明书，再决定保什么险。 These kinds of risks suit your consignment. 这些险别适合你要投保的货物。 May I ask what exactly insurance covers according to your usual terms? 请问根据你们常用的CIF价格条件，所保的究竟包括哪些险别？ It 's important for you to read the "fine print" in any insurance policy so that you know what kind of coverage you are buying. 阅读保险单上的“细则”对你是十分重要的，这样就能知道你要买的保险包括哪些项目 保险行业日常用语（二） what is the insurance premium? 保险费是多少？ The premium is to be calculated in this way. 保险费是这样计算的。 The total premium is 800 . dollars. 保险费总共是800美圆。 The cover paid for will vary according to the type of goods and the circumstances. 保险费用按照货物类别的具体情况会有所不同。 The rates quoted by us are very moderate. Of course, the premium varies with the range of insurance. 我们所收取的费率是很有限的，当然，保险费用要根据投保范围的大小而有所不同。 According to co-insurance clauses, the insured person must pay usually 20 percent of the total expenses covered. 根据共同保险条款，保险人通常必须付全部费用的百分之二十。 The insurance rate for such kink of risk will vary according to the kind. 这类险别的保险费率将根据货物种类而定。 Insurance brokers will quote rates for all types of cargo and risks. 保险经纪人会开出承保各类货物的各种险别的费用。 Can you give me an insurance rate? 您能给我一份保险率表吗？ Could you find out the premium rate for porcelain? 您能查一下瓷器的保险费率吗？ You should study not only the benefits but also the terms and limitations of an insurance agreement that appears best suited to your needs. 你不仅要研究各种保险所标明的给予保险人的赔偿费用，还要研究它的条件与限制，然后选出最适合你需要的一种。 I'll have the goods covered against Free from Particular Average. 我将为货物投保平安险。 I know that insurance doesn't cover losses on consumer goods. 我知道平安险不包括消费品的种种损失。 I don't think that the insurance covers more risks than the .. 我认为水渍险承保的范围并不比平安险的范围宽。 Free from Particular Average is good enough. 只保平安险就可以了。 The goods are to be insured . 这批货需投保平安险。 What you've covered is Leakage. 你所投保的是渗漏险。 Why don't you wish to cover Risk of Breakage? 您为什么不想投保破碎险呢？ coverage is too narrow for a shipment of this nature, please extend the coverage to include TPND. 针对这种性质的货物只保水渍险是不够的，请加保偷盗提货不成险。 Don't you wish to arrange for . and additional coverage against Risk of Breakage? 您不想保水渍险和附加破碎险吗？ Not every breakage is a particular average. 并不是所有的破碎险都属于单独海损。 The coverage is . plus Risk of Breakage. 投保的险别为水渍险加破碎险。 Well, obviously you won't want All Risks cover. 显然，你不想保综合险。 An All Risks policy covers every sort of hazard, doesn't it? 一份综合险保单保所有的险，是吗？