保险专业词汇

保险专业词汇

commencement and termination 起讫 cover 承保 cover 责任额 deposit premium 预付保费 destroyed 毁坏 excess loss 超额赔款 exclusion 除外责任 exposed areas 风险承受区域 facultative reinsurance 临时分保 fault zone 断层区 finite risk 有限制的风险 full coverage 全额承保

full insurance value 足额保险价值

hour clause 小时条款

individual losses 单一损失

insurability 可保性

insured losses 保险损失

less exposed 损失可能性小

light damage 轻度破坏

line slips 分保条

loss occurrence 损失发生

loss occurring basis 损失发生基础

loss participation 分担损失

loss settlement 损失赔付

malicious damage 恶意损害

multi-story building 多层建建筑

net retained lines 净自留额

net retained losses 损失净自赔额

no profit commission 无纯益风险

non-proportional reinsurance 非比例再保险 obligatory reinsurance 固定分保

original deductibles 原始免赔额

original rate 原始费率

peak accelerator 峰值加速度

peril 危险

PICC Re 中保再

policyholder 保单持有者

pool 共保组合

premium 保费

previous losses 既往损失

priority 分保自留额

priority 自付责任

proportional reinsurance 比例再保险

reinforced concrete building 钢筋混凝土建筑 reinstatement 恢复保额

reinsurer 再保险人

retention 自留额

return period 重现期

second event cover 第二事件承保

shear wall structure 剪力墙结构

single 险位超赔

spread loss 分散风险

stop loss 赔付率超赔

susceptibility of goods to water 易受水浸性 tariff 费率表

tidal wave 海啸

tornado 龙卷风

total sum insured 总保额

treaty-limits 合约限额

tube structure 筒体结构

underwriting policy 承保政策

windstorm 风暴

social insurance 社会保险

personal property insurance 个人财产保险

insurance of contents 家庭财产保险

All Risks 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

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 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 mould 发霉险

on deck risk 舱面险

保险业词汇

Terms used in insurance industry accident

意外事故险

actuarial method

精算法

Advance profit

预期利润

Business Interruption Insurance (BI)

营业中断险

captive

自保公司

casualty

意外伤害险

catastrophe

巨灾险

combined ratio

综合赔付率

Consequential Loss (CL)

facultative business

临分保

IBRN

Incurred but not reported losses 已发生但未报的损失IBRN reserve

indemnity period/limit

赔期/期限

inflated claim

超额索赔

insurance capacity

承保能力

insured property

参保物业

Loss of profit

利损险

Machinery (Breakdown) Insurance

机器（损坏〕险，机损险

multiple claim

多次（重复）索赔

non-life

非寿险

officer & director liability 雇主保险 outstanding claim reserve 未决索赔准备金 PC industry property & catastrophe industry peril 危险 policy 保单 pool 联营 possible maximum loss

可能的最大损失

premium

保费

primary insurance company

原保公司、主保险商

professional

专业险

profit margin

利润边际

property

财产险

proportional cover

比例分保

rate

费率

reinsurer

分保人（分保公司）

reinsurer

再保人

reserve

准备金

retention

自留

return period

（巨灾）间隔期

short-tail

短尾

solvency margin

赔偿能力

standing charges

维持费用

subject insured

风险标的

sum insured

保额

tariff zone

险区

Third Party Liability (TPL)

第三者责任险

treaties business

合同分保

underwriting

承保

working expenses /cost

营业费用

writing

承保

handy service for the public

失业保险

people eligible for social relief

履约保证金

progressive tax rate

差额垫支担保 provide shortfall payment guarantee 回报率 revenue and public financing 风险责任 risk responsibility 社会保险