英语保险词汇【优选3篇】
英语保险词汇 篇一
Insurance is an important aspect of our lives, providing financial protection against unforeseen events. In this article, we will explore some common insurance terms in English.
1. Policy: A policy is a contract between the insured (the person buying the insurance) and the insurer (the company providing the insurance). It outlines the terms and conditions of the insurance coverage.
2. Premium: The premium is the amount of money paid by the insured to the insurer in exchange for insurance coverage. It is usually paid on a monthly or yearly basis.
3. Deductible: A deductible is the amount of money that the insured has to pay out of pocket before the insurance coverage kicks in. For example, if you have a $500 deductible and make a claim for $2000, you will have to pay $500 and the insurance company will cover the remaining $1500.
4. Coverage: Coverage refers to the extent of protection provided by the insurance policy. It can include different types of risks, such as property damage, liability, or medical expenses.
5. Claim: A claim is a formal request made by the insured to the insurance company for compensation or reimbursement for a covered loss or damage. The insurance company will evaluate the claim and determine if it is covered under the policy.
6. Underwriter: An underwriter is a person or entity responsible for assessing the risk involved in insuring a particular individual or entity and determining the premium to be charged. They analyze factors such as age, health, and lifestyle to calculate the risk.
7. Exclusion: An exclusion is a provision in the insurance policy that specifies certain situations or conditions that are not covered. For example, many health insurance policies have exclusions for pre-existing conditions.
8. Insured: The insured is the person or entity that is covered by the insurance policy. They are entitled to the benefits and protection provided by the policy.
9. Insurer: The insurer is the company or organization that provides the insurance coverage. They assume the risk and are responsible for paying out claims according to the terms of the policy.
10. Renewal: Renewal refers to the process of extending or continuing an insurance policy after its expiration date. The insured can choose to renew the policy for another term.
Understanding these insurance terms can help individuals make informed decisions when purchasing insurance and navigating the claims process. It is important to carefully read and understand the terms and conditions of any insurance policy to ensure proper coverage and avoid any surprises in the event of a claim.
英语保险词汇 篇二
In this article, we will continue exploring insurance terms in English, focusing on specific types of insurance and additional vocabulary related to the insurance industry.
1. Life Insurance: Life insurance provides financial protection to the beneficiaries of the insured in the event of their death. The beneficiaries receive a lump-sum payment or regular installments, depending on the policy.
2. Health Insurance: Health insurance covers medical expenses incurred by the insured. It can include coverage for doctor visits, hospital stays, prescription medications, and other healthcare services.
3. Auto Insurance: Auto insurance provides coverage for damages or injuries resulting from a car accident. It can include liability coverage, which pays for damages to other people or property, as well as coverage for the insured's own vehicle.
4. Home Insurance: Home insurance protects homeowners against damage to their property and belongings. It can include coverage for fire, theft, natural disasters, and liability for accidents that occur on the property.
5. Liability Insurance: Liability insurance provides coverage for legal liabilities resulting from injuries or damages caused by the insured. It can include general liability, professional liability, or product liability insurance.
6. Reinsurance: Reinsurance is a process in which an insurance company transfers a portion of its risk to another insurance company. It helps spread the risk and protect against large losses.
7. Actuary: An actuary is a professional who uses mathematical and statistical techniques to assess risk and determine insurance premiums. They analyze data and calculate the probability of certain events occurring.
8. Indemnity: Indemnity refers to the compensation or reimbursement provided by the insurance company to the insured for covered losses or damages. It aims to restore the insured to the same financial position they were in before the loss occurred.
9. Broker: A broker is an individual or entity that acts as an intermediary between the insured and the insurance company. They help individuals or businesses find the right insurance coverage and negotiate the terms and premiums.
10. Claim Adjuster: A claim adjuster is an individual employed by the insurance company to investigate and evaluate insurance claims. They determine the extent of the loss and the amount of compensation to be paid.
By familiarizing ourselves with these insurance terms, we can better understand and navigate the world of insurance. Whether it's choosing the right insurance coverage, making a claim, or dealing with insurance-related issues, having a good grasp of these terms will help us make informed decisions and protect ourselves financially.
英语保险词汇 篇三
英语保险词汇
insurance policy (or certificate) 保险单 （或凭证）
1.risks & coverage 险别
(1)free from particular average (f.p.a.) 平安险
(2)with particular average (w.a.) 水渍险（基本险）
(3)all risk 一切险（综合险）
(4)total loss only (t.l.o.) 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 (t.p.n.d.) 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 (s.r.c.c.) 罢工、运动、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
2.the stipulations for insurance 保险条款
(1)marine insurance policy 海运保险单
(2)specific policy 单独保险单
(3)voyage policy 航程保险单
(4)time policy 期限保险单
(5)floating policy (or open policy) 流动保险单
(6)ocean marine cargo clauses 海洋运输货物保险条款
(7)ocean marine insurance clauses (frozen products) 海洋运输冷藏货物保险条款
(8)ocean marine cargo war clauses 海洋运输货物战争险条款
(9)ocean marine insurance clauses (woodoil in bulk) 海洋运输散装桐油保险条款
(10)overland transportation insurance clauses (train, trucks) 陆上运输货物保险条款（火车、汽车）
(11)overland transportation insurance clauses (frozen products) 陆上运输冷藏货物保险条款
(12)air transportation cargo insurance clauses 航空运输货物保险条款
(13)air transportation cargo war risk clauses 航空运输货物战争险条款
(14)parcel post insurance clauses 邮包保险条款
(15)parcel post war risk insurance clauses 邮包战争保险条款
(16)livestock & poultry insuran
