保险业常用词汇中英文对照.docxVIP

保险业常用词汇中英文对照第一部分：保险承保业务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 reinsurance2、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 insurance3、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 re