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1、1 / 11保险英语常用词汇保险英语词汇 A abandonment 委付abandonment clause委付条款accident 意外事故accounting period 结算期act of god 不可抗力actual total loss 实际全损actuarial method 精算法actuary 保险精算师additional premium 附加保险费additional risk 附加险advance profit 预期利润aggregate limit 累积限额aggregated loss累积损失all-risks policy一切险保单antis election
2、逆选择applicant 投保人application 投保单approved 承保assignment clause转让条款2 / 11average海损、海损分摊average adjuster海损理算人average clause共同海损分担条款保险英语词汇 B balance 所欠款项beneficiary 受益人binder 暂保单binding slip 暂保单breakage of packing包装破碎险broker 经纪人保险英语词汇 C 保险英语词汇 D damage损坏赔偿金damage cargo clerk理残员，货损管理员damage cargo list货损单，残
3、货单damage certificate 损坏证明书damage claim损坏索赔damaged by other cargo由其他货物损害damaged cargo list受损货物单damaged cargo report 受损货物报告书，货物损害报告deductibles 免赔额3 / 11deposit premium 预付保费destroyed 毁坏disbursement policy(船舶)驶费保险单dividend system 红利制度double insurance 双保险dual valuation clause双重价值条款保险英语词汇 E employer 业主End
4、orsement批单endorsement:签注endowment insurance 养老保险endowment policy 人寿定期保险单event limit 事件限额ex gratia payments通融赔款excess loss超额赔款excess of loss cover超额赔偿excess of loss （XL) 超赔分保exclusion 除外责任EXL protection超赔保障exposed areas风险承受区域exposure rating 风险评估4 / 11extended-term insurance 过期保险extra charges额外费用extra
5、 premium 额外保险费extraneous risks (additional risks) 附加险保险英语词汇 F facultative businessxx分保facultative reinsurancexx时分保fault liability 过失责任financial quota shares成数分保fine print 细则finite risk 有限制的风险finite risk transfer 有限风险转移floating policy 浮动保险单franchise (deductible) 免赔额；免赔率free of all average (FAA) 全损赔偿f
6、reight insurance 运费保险freight policy 运费保险单full coverage 全额承保full insurance 全额保险full insurance value 足额保险价值full liability 全部责任5 / 11保险英语词汇 G 保险英语词汇 H hazard危险因素health insurance 疾病保险，健康保险heavy damage严重破坏holistic risk transfer 整体风险转移hook damagexx（钩）损险hour clause小时条款保险英语词汇 I 保险英语词汇 J-L J jettison 投弃L law
7、 of insurance 保险法law of large numbers 大数法则leaflet 说明书less exposed损失可能性小letter of guarantee 保函，保证书liability 责任liability insurance 责任保险6 / 11license bond执照保险life assured人寿保险投保人life expectancy平均余命life fund 人寿保险基金life insurance 人寿保险life insurance actuary人寿保险精算师life insurance reserve人寿保险责任准备金life Table 生
8、命表light damage 轻度破坏limits 投保限额line slips 分保条liquidity support 提供流动资金Lloyd 劳合社loading 附加费loading 人寿保险附加费loss adjuster损失理算人loss occurrence损失发生loss occurring basis损失发生基础loss of profit 利损险loss participation 分担损失loss ratio 损失率7 / 11loss ratio 赔付率loss settlement 损失赔付保险英语词汇 M 保险英语词汇 N 保险英语词汇 O object 标的obl
9、igatory reinsurance 固定分保ocean marine cargo clausesxx 运输货物保险条款on deck risk舱面险open policy 预约保险单open policy insurance预约保险original deductibles 原始免赔额original rate 原始费率over insurance 超额保险overland （transportation ） insurance陆上运输保险保险英语词汇 P 保险英语词汇 R rain insurance雨水保险rainstorm 雨暴rate 费率rating 费率8 / 11recover
10、y 追偿 xx reinstate 复效reinstated 继单reinstatement 恢复保额reinstatement value insurance 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rejection risk 拒收险renew coveragexx保renewalxx 保；延期renewal premiumxx 保费renewing coveragexx保reserve 准备 xx retention 自留、自留额return period 重现期revoke license吊销营业
11、执照riot insurance 骚乱保险risk 险别、风险、保险，保险额risk carrier 风险承担人risk covered承保险项9 / 11risk insured 承保险项risk management 危险管理risk premium 风险保费 风险贴水、风险溢价risk unit 危险单位risks covered保险范围保险英语词汇 S salvage charge救助费用salvage value残值，获救货物或船舶的价值second event cover第二事件承保set-off 抵销settlement of claim 理赔sickness insurance
12、疾病保险social insurance社会保险solvency偿付能力solvency margin赔偿能力spread loss分散风险standing charges维持费用stop loss赔付率超赔sub-contractor 分承包商subject insured 风险标的subrogation center 代位求偿权10 / 11sue and labor expenses施救费用suicide clauses自杀条款sum insured保险金额、保额surplus insurance盈余保险survey at jetty risk 码头检验险survey in custom
13、s riskxx检验险保险英语词汇 T tariff 费率表tariff zone 险区term insurance 定期保险TG拐点周期the insured 被保险人，受保人time policy 定期保险单topographic map 地形图total loss 全部损失total sum insured 总保额treaties business合同分保treaty reinsurance 合约再保险treaty-limits 合约限额turnover 营业额保险英语词汇 U 11 / 11under insurance 低额保险underwriters 保险商（指专保水险的保险商）、保险承运人、保险公司underwriting 承保underwriting policy 承保政策unvalued insurance不定值保险unvalued policy 不定值保单utmost good faith 最大诚信保险英语词汇 V-Z V valued insurance定值保险voluntary insurance 自动保险W waiver and estoppels弃权与禁止反言windstorm 风暴working cost 营业费用working expenses营业费用writing 承保written premiums 承保保费