保险业务的常用词汇.docxVIP

保险业务的常用词汇据360教育集团介绍：1、一般保险原理　保险 insurance　保险业 insurance industry 保险业务结构 business structures 保险业主体 bodies in Insurance Industry 被保险人 insured　理赔claim settlement　承保利润微薄 underwriting profit is slight 承保能力insurance capacity　承保业务 underwriting operation 未决赔款储备金 reserve IBRN　大数法则 Law of Large Numbers　营业额turnover　市场缺陷 market imperfections　社会保险social insurance　个人代理人 personal agent　银行保险 bank insurance　直销 straight pin　佣金 brokerage　手续费 commission charges 再保险 reinsurance　2、财产保险　财产保险property insurance　长尾long－tail　长期护理保险long—term care insurance　短尾short－tail　综合赔付率combined ratio　自留retention　车险 auto insurance　财产保险 property insurance　责任保险 liability insurance　农业保险 agricultural insurance　巨灾保险 catastrophe insurance　意外伤害保险 casualty accident insurance　3、寿险词汇　变额寿险 variable life insurance　长寿保险insurance on last survivor　定期寿险term insurance　合同储蓄机构 contractual saving institutions　红利 dividend　疾病保险sickness insurance　简易险 industrial insurance　健康保险health insurance　巨额医药费保险major medical“ insurance policy　可变保费寿险 flexible—premium life insurance　利差损 interest spread risk　利率敏感型产品 interest—sensitive whole life　赔期/期限indemnity period/limit　普通寿险 ordinary life insurance　人寿保险life insurance　预定利率市场化 Market-based Assumed Interest Rate　团险group insurance　限期缴费终身寿险 limited—payment whole life insurance　养老保险endowment insurance　医疗保险insurance for medical care　医疗费用保险medical expense insurance　终身寿险whole life insurance　准备金reserve　伤残收入保险 disability income insurance　失能 incapacity　可变万能寿险 Variable-universal life insurance　可变年金 Variable annuity　评估价值 Appraisal Value　内含价值Embeded Value　新业务价值 Value of New Business　税收优惠 tax break　税收递延型养老保险Deferred tax endowment insurance　大病医疗保险Large quantity medical insurance　分红保险 Participating Insurance　传统保险 traditional insurance　理财型保险 financial planning oriented insurance　投资连结寿险 unit—linked life insurance　4、保险偿付能力　风险资本要求risk—based capital　固定最低成本要求 fixed minimum capital requirement　保险偿付能力监管insurance solvency regulation　保险监管信息系统 Insurance Regulatory Information System　财务分析跟踪系统 Financial Analysis Tracking