与保险相关的英语词汇【通用3篇】
与保险相关的英语词汇 篇一
Insurance Vocabulary
Insurance is an important aspect of our lives as it provides us with protection and financial security in case of unforeseen events. Understanding the vocabulary associated with insurance is crucial for both individuals and businesses. In this article, we will explore some common insurance terms and their meanings.
1. Premium: The amount of money paid to an insurance company in exchange for coverage. Premiums can be paid monthly, quarterly, or annually.
2. Deductible: The amount of money an insured individual must pay out of pocket before the insurance company will cover the remaining expenses. For example, if you have a $500 deductible and make a claim for $1,000, you will need to pay $500, and the insurance company will cover the remaining $500.
3. Policy: A contract between the insured and the insurance company that outlines the terms and conditions of the coverage. It includes details such as the coverage limits, exclusions, and premium payment schedule.
4. Claim: A formal request made by the insured to the insurance company for payment or reimbursement of covered expenses. Claims can be made for various reasons, such as medical expenses, property damage, or lost wages.
5. Coverage: The scope of protection provided by an insurance policy. Different types of insurance policies offer coverage for specific risks, such as health insurance, auto insurance, or home insurance.
6. Insured: The person or entity that is covered by an insurance policy. This can be an individual, a family, or a business.
7. Insurer: The insurance company that provides coverage and assumes the financial risk in case of a claim.
8. Underwriter: An insurance professional who assesses the risks associated with an applicant and determines the terms and conditions of the insurance policy. Underwriters analyze various factors, such as age, health, and driving records, to evaluate the risk level.
9. Exclusion: Specific situations or events that are not covered by an insurance policy. Exclusions can vary depending on the type of insurance and the policy terms.
10. Adjuster: A representative of the insurance company who investigates and evaluates the damages or losses claimed by the insured. Adjusters assess the validity of the claim and determine the amount to be paid by the insurance company.
Understanding these insurance terms will help you navigate the complex world of insurance and make informed decisions. Whether you are purchasing a new policy or filing a claim, having a good grasp of these vocabulary words will empower you to protect yourself and your assets effectively.
与保险相关的英语词汇 篇二
Types of Insurance Policies
Insurance is a crucial part of our financial planning, as it helps protect us against unexpected events and provides financial security for ourselves and our loved ones. There are various types of insurance policies available, each designed to cover specific risks. In this article, we will explore some common types of insurance policies and their purposes.
1. Health Insurance: Health insurance covers medical expenses and provides financial protection in case of illness or injury. It typically includes coverage for doctor visits, hospital stays, prescription drugs, and preventive care. Health insurance can be obtained through an employer, government programs, or purchased individually.
2. Auto Insurance: Auto insurance provides coverage for damages or injuries resulting from car accidents. It typically includes liability coverage (to pay for damages to others), collision coverage (to pay for damages to your own vehicle), and comprehensive coverage (to pay for damages not caused by accidents, such as theft or natural disasters).
3. Homeowners Insurance: Homeowners insurance protects your home and its contents against damages or losses caused by fire, theft, vandalism, or natural disasters. It also provides liability coverage in case someone is injured on your property. Homeowners insurance is usually required by mortgage lenders.
4. Life Insurance: Life insurance provides financial protection to your beneficiaries in case of your death. It pays out a lump sum or regular payments to your loved ones, ensuring their financial stability. There are different types of life insurance policies, including term life insurance (covers a specific period) and whole life insurance (covers the entire lifetime).
5. Disability Insurance: Disability insurance provides income replacement if you become disabled and are unable to work. It ensures that you can continue to meet your financial obligations, such as mortgage payments, utility bills, and daily living expenses.
6. Travel Insurance: Travel insurance covers unexpected events that may occur during your travels, such as trip cancellations, medical emergencies, lost baggage, or travel delays. It provides financial reimbursement for incurred expenses and offers peace of mind while traveling.
7. Business Insurance: Business insurance protects businesses against various risks, such as property damage, liability claims, or loss of income due to business interruption. It includes policies such as general liability insurance, property insurance, and professional liability insurance.
8. Renters Insurance: Renters insurance provides coverage for individuals who rent a home or apartment. It protects personal belongings against theft, fire, or other covered perils. Renters insurance also includes liability coverage in case someone is injured in the rented property.
Understanding the different types of insurance policies available allows you to make informed decisions and choose the coverage that best suits your needs. Whether it is protecting your health, home, or financial stability, insurance provides the necessary safety net to face unexpected events with confidence.
与保险相关的英语词汇 篇三
与保险相关的英语词汇
导语：保险是指投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者被保险人死亡、伤残、疾病或者达到合同约定的.年龄、期限等条件时承担给付保险金责任的商业保险行为。下面是YJBYS小编收集整理的有关保险的英语词汇，欢迎参考!
insure 保险;投保;保证
insurance 保险;保险费;保险金额
underwriters 保险商(指专保水险的保险商)保险承运人
insurance company 保险公司
insurance broker 保险经纪人
insurance underwriter 保险承保人
insurance applicant 投保人
insurant, the insured 被保险人，受保人
to cover insurance 投保
insurance coverage;risks covered 保险范围
insurance slip 投保单
insured amount 保险金额
insurance against risk 保险
insurance clause 保险条款
insurance instruction 投保通知
insurance business 保险企业
insurance conditions 保险条件
PICC 中国人民保险公司
risk insured, risk covered 承保险项
risk 险别
to provide the insurance 为...提供保险
leaflet 说明书
fine print 细则
insurance expense 保险费
premium rate 保险费率
premium 保险费
insurance rate 保险费率表
insurance proceeds 保险金(保险收入)
insurance free of particular average . 平安险(单独海损不赔)
insurance with particular average , basic risks. insurance against all risks. 综合险，应保一切险
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 污染险
insurance against total loss only 全损险
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 ? 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 罢工，暴动，民变险
insurance against extraneous risks, insurance against additional risks 附加险
risk of theft, pilferage and nondelivery 盗窃提货不着险
risk of fresh and/of rain water damage 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 bad odour 恶味险，变味险
risk of mould 发霉险
on deck risk 舱面险
ocean marine cargo insurance clauses 海洋运输货物保险条款
transportation insurance 运输保险
overland transportation insurance, land transit insurance 陆上运输保险
insurance against air risk, air transportation insurance 航空运输保险
parcel post insurance 邮包运输保险
ocean marine cargo insurance, marine insurance 水险(海运货物保险)
All Risks 一切险
average 海损
Particular Average 单独海损
General Average 共同海损
Marine Losses 海损
partial loss 部分损失
total loss 全部损失
health insurance 疾病保险，健康保险
sickness insurance 疾病保险
insurance for medical care 医疗保险
"major medical" insurance policy 巨额医药费保险
insurance during a period of illness 疾病保险
life insurance 人寿保险
endowment insurance 养老保险
insurance on last survivor 长寿保险
to purchase health insurance 购买健康保险
to have a health insurance policy 购买健康保险
Additional Words and Phrases
policy-holder 保险客户
extra premium 额外保险费
additional premium 附加保险费
insurance law 保险法
insurance act 保险条例
insurance industry? 保险业
insurance pision 保险部
insurance treaty 保险合同
cover note 保险证明书
guarantee of insurance 保险担保书
premium rebate 保险费回扣
insurance claim 保险索赔
ceding, retrocession 分保
reinsurance 分保(再保险)
cedingcompany 分保公司
co-insurance company 共同保险公司
insurance document 保险单据
certificate of insurance 保险凭证
increasing coverage, extending coverage 加保
renewing coverage 续保
insurance commission 保险佣金
social insurance 社会保险
personal property insurance 个人财产保险
insurance of contents 家庭财产保险
