保险英语词汇

保险英语词汇abandonment委付abandonmentclause委付条款accident意外事故accountingperiod结算期actofgod不可抗力actualtotalloss实际全损actuarialmethod精算法actuary保险精算师additionalpremium附加保险费additionalrisk附加险advanceprofit预期利润aggregatelimit累积限额aggregatedloss累积损失all-riskspolicy一切险保单antiselection逆选择applicant投保人application投保单approved承保assignmentclause转让条款average海损、海损分摊averageadjuster海损理算人averageclause共同海损分担条款balance所欠款项beneficiary受益人binder暂保单bindingslip暂保单breakageofpacking包装破碎险broker经纪人capacity承保能力captive自保公司captivepools自保组合cargodamageadjustment货损理算cargodamageinspection货损检验cargodamageprevention货损预防cargodamagereport货损报告cargodamagesurvey货损检查，货物损坏检验cargoinsurancepremium货物保险费cargoinsurancerate货物保险费率cargoinsurer货物承保人cargopolicy货物保单，货物保险单cargopremium货运保险费，货物保险费cargounderwriter货物保险承保人（商），货险承保人，货物承保人cashloss现金赔款cashvalue现金价值catastrophe巨灾catastropheexcessofloss（CXL）巨灾超赔\巨灾超赔分保categoriesofinsurance保险类别cedingcompany分出公司ceding(insurance)company分保公司ceding,retrocession(forreinsurance)分保certificateofcargodamage货损证明certificateofinsurance保险证明、保险凭证cessionlimit分保限额ChinaInsuranceClause(CIC)中国保险条款claim索赔claimassessor索赔人claimsettlement理赔claim-prone容易出险claimsandarbitration索赔与仲裁claimsassistance理赔协助clashandbreakage碰损，破碎险cleancut结清方式coinsurance共保co-insurance共同保险co-insurancecompany共同保险公司combinedratio综合赔付率commencementandtermination起讫concurrentinsurance同时保险consequentialloss(CL)后果损失constructivetotalloss推定全损contingentliquidity或有流动性continuedinsurance继续保险co-relatedrisks关联风险cover承保、责任额covernote保险证明书,承保单，保险证明covernote暂保单（证明同意承保的临时文件）coverage受保范围broker经纪人capacity承保能力captive自保公司captivepools自保组合cargodamageadjustment货损理算cargodamageinspection货损检验cargodamageprevention货损预防cargodamagereport货损报告cargodamagesurvey货损检查，货物损坏检验cargoinsurancepremium货物保险费cargoinsurancerate货物保险费率cargoinsurer货物承保人cargopolicy货物保单，货物保险单cargopremium货运保险费，货物保险费cargounderwriter货物保险承保人（商），货险承保人，货物承保人cashloss现金赔款cashvalue现金价值catastrophe巨灾catastropheexcessofloss（CXL）巨灾超赔\巨灾超赔分保categoriesofinsurance保险类别cedingcompany分出公司ceding(insurance)company分保公司ceding,retrocession(forreinsurance)分保certificateofcargodamage货损证明certificateofinsurance保险证明、保险凭证cessionlimit分保限额ChinaInsuranceClause(CIC)中国保险条款claim索赔claimassessor索赔人claimsettlement理赔claim-prone容易出险claimsandarbitration索赔与仲裁claimsassistance理赔协助clashandbreakage碰损，破碎险cleancut结清方式coinsurance共保co-insurance共同保险co-insurancecompany共同保险公司combinedratio综合赔付率commencementandtermination起讫concurrentinsurance同时保险consequentialloss(CL)后果损失constructivetotalloss推定全损contingentliquidity或有流动性continuedinsurance继续保险co-relatedrisks关联风险cover承保、责任额covernote保险证明书,承保单，保险证明covernote暂保单（证明同意承保的临时文件）coverage受保范围employer业主Endorsement批单endorsement:签注endowmentinsurance养老保险endowmentpolicy人寿定期保险单eventlimit事件限额exgratiapayments通融赔款excessloss超额赔款excessoflosscover超额赔偿excessofloss（XL)超赔分保exclusion除外责任EXLprotection超赔保障exposedareas风险承受区域exposurerating风险评估extended-terminsurance过期保险extracharges额外费用extrapremium额外保险费extraneousrisks(additionalrisks)附加险facultativebusiness临分保facultativereinsurance临时分保faultliability过失责任financialquotashares成数分保fineprint细则finiterisk有限制的风险finiterisktransfer有限风险转移floatingpolicy浮动保险单franchise(deductible)免赔额；免赔率freeofallaverage(FAA)全损赔偿freightinsurance运费保险freightpolicy运费保险单fullcoverage全额承保fullinsurance全额保险fullinsurancevalue足额保险价值fullliability全部责任generalaverage（GA）共同海损graceperiod宽限期grossnetpremiumincome（GNPI）总净保费收入groupinsurance团体保险guaranteeofinsurance保险担保书hazard危险因素healthinsurance疾病保险，健康保险heavydamage严重破坏holisticrisktransfer整体风险转移hookdamage勾（钩）损险hourclause小时条款IBRNreserve已发生但未报的损失储备金，IBRN储备金importcargoinsurance进口货物保险increasedvalueclause增值条款increasedvalueinsurance增值保险increasingcoverage,extendingcoverage加保Incurredbutnotreportedlosses(IBRN)已发生但未报的损失indemnitylimit赔偿期限indemnityperiod赔偿期individuallosses单一损失industrialinsurance产业保险inflatedclaim超额索赔inherentnatureofcargo货物的固有性inherentvice内在缺陷inherentviceofcargo货物固有缺陷inspectionofcargo积货鉴定，货物检验，检查货物inspectionofcargoGAorPA海损(单独海损或共同海损)鉴定inspectionondamagedcargo货物残损检验installmentinsurance分期付款保险InstituteCargoClauses(ICC，I.C.C.)协会货物（保险）条款insurability可保性insurance保险，保险费，保险金额insuranceact保险条例insuranceagainstrisk保险insuranceagent(s)保险代理，保险代理人insuranceamount保险金额\保险额insuranceapplicant投保人insuranceassessor保险公估人insurancebroker保险经纪人insurancebusiness保险企业\保险业insurancecapacity承保能力insurancecertificate保险凭证\保险证书insuranceclaim保险索赔insuranceclause保险条款insurancecommission保险佣金insurancecompany保险公司insuranceconditions保险条件\保险契约约定条款insurancecontract保险合同insurancecorporation保险公司insurancecoverage保险范围，保额insurancedeclarationsheet(bordereau)保险申报单(明细表)insurancedivision保险部insurancedocument保险单据insuranceexpense保险费insurancefond保险基金insuranceindustry保险业insuranceinstruction投保通知，投保须知insurancelaw保险法insuranceonlastsurvivor长寿保险insuranceperiod保险期限insurancepolicy保险单\保单insurancepremium保险费insuranceproceeds保险金（保险收入）,保险赔偿金，保险赔款insurancerate保险费率表insurancesecuritization保险证券化insuranceslip投保单\投保申请书insurancesubject保险标的insurancetreaty保险合同insuranceunderwriter保险承保人insurancevalue(insuranceamount)保险金额insurant被保险人，受保人insure保险、投保、保证insured被保险人insuredamount保险金额insuredloss保险损失insuredproperty参保物业InsuredValue保险价值insurer保险人、保险公司，保险商insurer(underwriter)承保人、保险人investmentinsurance投资保险Jjettison投弃Llawofinsurance保险法lawoflargenumbers大数法则leaflet说明书lessexposed损失可能性小letterofguarantee保函，保证书liability责任liabilityinsurance责任保险licensebond执照保险lifeassured人寿保险投保人lifeexpectancy平均余命lifefund人寿保险基金lifeinsurance人寿保险lifeinsuranceactuary人寿保险精算师lifeinsurancereserve人寿保险责任准备金lifeTable生命表lightdamage轻度破坏limits投保限额lineslips分保条liquiditysupport提供流动资金Lloyd劳合社loading附加费loading人寿保险附加费lossadjuster损失理算人lossoccurrence损失发生lossoccurringbasis损失发生基础lossofprofit利损险lossparticipation分担损失lossratio损失率lossratio赔付率losssettlement损失赔付mailcontractor承包商mainrisks主险maintenance保证期maliciousdamage恶意损害marineinsurance海上运输保险，水险marinelosses海损medicalinsurance医疗保险mortalitytables死亡率表（用于计算保险风险）multipleclaim多次（重复）索赔multipleinsurance重复保险mutualinsurance相互保险mutualinsurancecompany相互保险公司object标的obligatoryreinsurance固定分保oceanmarinecargoclauses海洋运输货物保险条款ondeckrisk舱面险openpolicy预约保险单openpolicyinsurance预约保险originaldeductibles原始免赔额originalrate原始费率overinsurance超额保险overland（transportation）insurance陆上运输保险parcelpostinsurance邮包运输保险partialloss部分损失particularaverage(PA)单独海损peril危险、危险事故perilsofthesea海上风险permitbond许可证保险placement安排policy保单、保险单、保险契约policyholder保险客户\保险单持有人policypackage承保多项内容的保险单policyproofofinterest保险单权益证明policyreserves保险单责任准备金policy-holder保险客户policyholder保单持有者policy-holder保险客户pool共保组合、合保pool联营pooladministrator共保组合管理人portfolioentry未满期责任的出帐portfoliooutgo未满期责任的入帐possiblemaximumloss（PML）可能最大损失post-financing后融资post-funding后融资pre-financing先融资pre-funding先融资premium保险费premiumrate保险费率premiumrebate保险费回扣previouslosses既往损失primaryinsurancecompany原保公司、主保险商principal业主principleofcompensation补偿原则priority分保自留额、自付责任priority(deductible)优先（免赔额)proceeds收益professional专业险profitmargin利润边际property财产险propertycovered受保财产propertyinsurance财产保险proportionalcover比例分保proportionalreinsurance比例再保险proximatecause近因punitivedamage惩罚性损害pureendowments定期生存保险purerisk纯粹危险raininsurance雨水保险rainstorm雨暴rate费率rating费率recovery追偿金reinstate复效reinstated继单reinstatement恢复保额reinstatementvalueinsurance重置价值保险reinsurance分保、再保险、转保reinsured分出公司reinsurer分保人（分保公司）、再保险人rejectionrisk拒收险renewcoverage续保renewal续保；延期renewalpremium续保费renewingcoverage续保reserve准备金retention自留、自留额returnperiod重现期revokelicense吊销营业执照riotinsurance骚乱保险risk险别、风险、保险，保险额riskcarrier风险承担人riskcovered承保险项riskinsured承保险项riskmanagement危险管理riskpremium风险保费\风险贴水、风险溢价riskunit危险单位riskscovered保险范围salvagecharge救助费用salvagevalue残值，获救货物或船舶的价值secondeventcover第二事件承保set-off