人身保险中英对照

1、人身保险中英对照1、234567、不可抗辩条款宽限期条款复效条款年龄误告条款自杀条款贷款条款自动垫缴保费条款8、不丧失的现金价值条款9、保单转让条款绝对转让absoluteassignment10、受益人条款人身保险合同的常见条款IncontestableprovisionGraceperiodprovisionReinstatementprovisionMisstatementofageprovisionSuicideclausePolicyloanprovisionAutomaticpremiumloanprovisionNon-forfeitureprovisionPolicyassig

2、nmentclause抵押转让collateralassignmentBeneficiaryclause人身保险合同的选择权条款、不丧失权益选择权条Non-forfeiturebenefitsoptionclause1、退保金不丧失选择权Cashsurrendervaluenonforfeitureoption2、减额缴清保险不丧失选Reducedpaid-upinsurance择权nonforfeitureoption3、展期保险不丧失选择权Extendedterminsurance人寿保险中英对照 二、红利选择权条款1、现金红利选择权2、抵减保费红利选择权3、累计利息红利选择权nonfor

3、feitureoptionDividendoptionclauseCashdividendoptionPrimiumreductiondividendoptionAccumulationatinterestdividendoption4、增额缴清保费红利选择Paid-upadditionalinsurance权dividendoptioninsurance权三、保险金给付选择权条款dividendoptionSettlementoptionprovision四、保费交付选择权条款Premiumpaymentoption5、增额定期保险红利选择Additionaltermclause一、定期寿险

4、1、定额定期寿险2、减额定期寿险3、=1二、终身寿险三、两全保险保障型人寿保险TermlifeinsuranceLeveltermlifeinsuranceDecreasingtermlifeinsuranceIncreasingtermlifeinsuranceWholelifeinsuranceEndowmentinsurance 幫补充残疾给付免缴Waiverofpremium(WP)保费1、残疾免缴保费给付2、投保人免缴保费给付3、残疾收入给付寿险提前给付附约WaiverofpremiumfordisabilitybenefitWaiverofpremiumforpayorbenefi

5、tDisabilityincomebenefitAccelerateddeathbenefit1、终末疾病给付2、重大疾病给付ridersTerminalillnessbenefitDreaddiseasebenefit3、长期护理给付Long-termcarebenefit趸缴年金期缴年金即期年金延期年金终身年金储蓄型人寿保险年金保险Singlepremium-annuityPeriodicalpremium-annuityImmediateannuityDeferredannuityLifeannuity纯粹终身年金Straightlifeannuity固定期终身年金Lifeincomea

6、nnuitywithperiodcertain全额偿还终身年金确定年金限期生存年金个人年金联合年金定额年金变额年金分红保险可分配盈余红利分配方式1、现金红利法2、增额红利法中）LifeincomewithrefundannuityAnnuityceratinTemporarylifeannuityPersonalannuityJointannuityFixed-benefitannuityVariableannuity准投资型的人寿保险分红保险ParticipatingcontractsDistributablesurplusCashdividendapproachAdditionstoben

7、efitsapproach投资型的人寿保险、变额寿险Variablelifeinsurance单位基金连结保险Unit-linkedpolicy英）权益连结保险（加）Equity-linkedpolicy投资连结保险（新、Investment-linkedlifeinsurance人寿保险中英对照 一、万能寿险Universallifeinsurance二、变额万能寿险Variableuniversallifeinsurance健康保险、医疗保险Medicalexpencecoverage免赔额条款Deductibleclause共保条款Coinsuranceprovision基本医疗保险Ba

8、sicmedicalexpensecoverage1、门诊医疗保险2、住院医疗保险Hospitalexpensecoverage3、手术医疗保险Surgicalexpensecoverage4、综合医疗保险Comprehensiveexpensecoverage高额医疗保险Majormedicalinsurancepolicy1、补充高额医疗保险Supplementalmajormedicalpolicy2、综合高额医疗保险Comprehensivemajormedicalpolicy补充医疗保险SupplementalmedicalpolicyDentalexpensecoverage1、牙

9、科费用保险2、处方药费保险3、眼科保健保险4、生育保险二、疾病保险重大疾病保险三、残疾收入保险PrescriptiondrugcoverageVisioncarecoverageDiseasecoverageCriticalillnessinsuranceDisabilityincomecoverge 团体保险团体保险Groupinsurance总的团体保险单费率厘定Mastercontract1、手册费率法Manualrating2、经验费率法Experiencerating3、混合费率法Blendedrating一、团体人寿保险Grouplifeinsurance团体定期寿险Groupterminsurance团体终身寿险Grouppermanentinsurance雇员福利计划Employeebenefitplan二、团体年金Groupannuity团体延期年金Deferred-group-annuitycontract预存管理年金Deposit-adm