保险英语词汇--复习

1《保险英语》复习保险英语复习概要（不保证一定考，也不保证不考）保险利益原则-----principleofinsurableinterest损失补偿原则-----principleofindemnity代位求偿原则-----principleofsubrogation最大诚信原则-----principleofutmostgoodfaith近因原则-----principleofproximity---------------------------------------------------------------------------风险分担-----risk-sharing/risk-pooling分散风险-----spreadingrisk保险人-----insurer/underwriter投保人-----insuranceapplicant被保险人-----Insured受益人-----beneficiary保险代理人-----insuranceagent保险经纪人-----insurancebroker保险公估人-----insurancesurveyor/adjuster/appraiser保险条款-----insuranceclause/treatment不可抗辩条款-----incontestableclause保费-----premium保险标的-----subject–matterofinsurance保险价值-----insuredvalue//（1）2保险索赔-----claim告知-----representation声明-----declaration误告-----misrepresentation死亡表-----lifetable/mortalitytableRate-making-----费力厘定Occupancy-----用途Construction-----构造Protection-----防护Location-----位置大数法则-----lawoflargenumbers效应理论-----utilitytheory毛保费-----grosspremium纯保费-----netpremium附加保费-----loadingpremium均衡保费-----levelpremium趸缴保费-----lumpsumpremium/singlepremium准备金-----reserve现金价值-----cashvalue附加条款-----rider保险期间-----insuranceperiod保额-----amountofinsurance3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-----nonforfeiturebenefits延期定期寿险-----deferredtermlifeinsurance两全保险-----endowmentlifeinsurance万能寿险-----universallifeinsurance分红寿险-----participatinglifeinsurance红利----dividend养老金-----pension联合人寿-----jointlife投连险-----unit-linkedlifeinsurance定期寿险-----termlifeinsurance终身寿险-----wholelifeinsurance变额万能寿险-----variableuniversallifeinsurance年金寿险-----annuitylifeinsurance财产保险-----Property&casualtyinsurance巨灾保险-----catastropheinsurance/ActofGodinsurance4重大疾病保险-----criticalillness/dreadfulillnessinsurance意外保险-----accidentalinsurance重复保险------doubleinsurance投保单-----applicationform/proposalform保单-----insurancepolicy暂保单-----bindingslip/covernote批单------endorsement保险凭证（小保单）-----certificateofinsurance保单持有人-----policyholder/policyowner再保险-----Reinsurance分出公司-----cedingcompany分入公司------cededcompany国有保险公司-----state-ownedinsurancecompany股份制保险公司----stock-basedinsurancecompany自保公司-----captivecompany相互保险公司-----mutualcompany合作保险公司------cooperativecompany互助保险公司------fraternalcompany-------------------------------------------------------------------------------------------------------Risk-----ameasureofpossiblevariationofeconomicoutcomes.Hazard-----aconditionthatincreasesthechanceoflossduetoaperilPeril-----riskeventorriskincidentwhichreferstoapossiblecauseofloss.Exposuretorisk-----asituationcreatedwheneveranactgivesrisetopossible5gainorlossthatcannotbepredictedCostofrisk-----thecostimposeduponorganizationsbecauseofthepresenceofrisk.Asymmetricinformation-----onepartyofinsurancecontractpossessesmoreknowledgethantheother.MoralHazard-----apotentialcostofinsuranceinwhichthepresenceofinsuranceincreasesthetendencyforlossestooccurthroughcareless,irresponsible,orperhapsillegalbehavior.Adverseselection-----apotentialeffectofinsurancewherebyworse-than-averagerisksarelikelytobuyinsurance-------------------------------------------------------------------------------------------------------1.财产保险的定义有狭义和广义之分。Propertyinsurancecanrefertotwokindsofdefinition,viz.property&casualtyinsuranceinanarrowsenseandbroadsense.2.按保险价值分类，财产保险可分为定值保险和不定值保险。Inconformitytotheinsurancevalue,propertyinsurancecanbeclassifiedintofixedvalueandunfixedvalueinsurance.3.自然灾害包括雷、电、暴风雨、冰雹、洪水、潮浪、海啸、大风暴、台风、旋风、龙卷风、飓风、山崩、雪崩、地陷、地震、地下火，以及火山喷发等等。这些都可能对财产造成巨大损毁或人身伤亡。Naturaldisasterscomprisethundering,lightning,rainstorm,hail,floods,tidalwaveTsunami,Tempest,typhoon,cyclone,tornado,hurricane，rockslide,avalanche,subsidenceofground,earthquake,subterraneanfire,volcaniceruptionandsoforth,allofwhichmaygiverisetoinnumerablecasesoflosstopropertiesordeathorpersonalinjury.4.保险的基本原理是分散风险。Thebasictenetofinsuranceisspreadingofrisk.5.同一利益投保了两张或多张保单称为重复保险。Doubleinsurancemeansthatteoormorepoliciesareeffectedonthesameinterest.6.保险的重要作用对社会大众来说是显而易见的。Theimportantroleofinsuranceisapparenttothesocialpublic.7.俗话说，天有不测风云，人有旦夕祸福。6Asthesayinggoes,innaturethereareunexpectedstormsandinlifethereareunpredictablevicissitudes.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。Deductiondenotesanamountorpercentagespecifiedinthepolicywhichmustbeexceededbeforeaclaimispayable.9.机动车辆保险标的主要是车身和第三者责任。Thesubject-matterofmotorvehicleinsuranceismotorvehicleandthirdpartyliabilityinthemain.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。Anyamendmentoradditiontoaexistinginsurancedocumentsuchasaninsurancecontract,policy,insurancecertificateorcovernotecanbemadebyendorsement.11.损失的可能性越大，缴纳的保险费就越多。Themoreprobabletheloss,thegreaterthepremiumwillbe.风险成为可保风险的条件（whatmakesariskinsurable？）1.Itshouldbeeconomicallyfeasible.2.Theeconomicvalueoftheinsuranceshouldbecalculable.3.Thelossmustbedefinite.4.Thelossmustberandominnature.5.Theexposureinanyrateclassmustbehomogenous.6.Exposureunitsshouldbespatiallyandtemporallyindependent.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。财产风险(propertyrisk)Allbusinessandindividualsthato