(精选)商务英语阅读下册unit 9课件.pptx

Unit Nine ;了解保险的定义和主要分类 了解中国保险业现状 掌握有关保险的术语;insurance policy premium insurance coverage insurable interest subject matter ;Text Fast Reading I Fast Reading II ; Insurance premium is a sum of money ascertained according to the value of the property insured and the scope of the insurance coverage desired. In exchange for payments from the insured, the insurer agrees to pay the policy holder a sum of money upon the occurrence of a specific event. In most cases, the policy holder pays part of the loss (called the deductible), and the insurer pays the rest. ; One important point is that the client must have an insurable interest. An insurance contract is legally binding only if the insured has an interest in the subject matter of the insurance and this interest is in fact insurable. In most cases, an insurable interest exists only if the insured would suffer a financial loss in the event of damage to, or destruction of, the subject matter of the insurance. ; The insurance industry is comprised of various types of organizations ranging from relatively small regional companies to giant international financial powerhouses. Most insurance is provided by corporations. They may be privately owned, part of large organizations, or publicly traded on national stock exchanges. Some are owned by policyholders themselves. Others are owned by government. In recent years, many commercial banks have set up their own insurance companies in order to participate in this growing business. ; Types of Insurance Despite offering innumerable options and immense scope, insurance can be generally classified into the following ones: Life insurance—money paid in the event of the death of the insured. Health insurance --- money paid for doctors, medications, hospital care in case the insured becomes sick or injured. Accident insurance--- money paid in the event the insured loses one or more body parts or killed in an accident. Property