外贸函电保险培训课件.pptVIP

Objectives;? Human beings are subject to various unpredictable risks — risk of death or disability due to natural or accidental causes, risk of loss of or damage to one’s property, etc. Risk has the element of unpredictability, but losses can be mitigated through insurance. There are many types of insurance products available for life and non-life —property insurance, life insurance, liability insurance, bond insurance, to name just a few. Cargo insurance belongs to property insurance. Cargo insurance covers physical damage to or loss of your goods whilst in transit by land, sea and air and offers considerable opportunities and cost advantages if managed properly. It brings the potential loss of or damage to goods into cost and the insurer, on the basis of a premium received, undertakes to indemnify the insured against loss from certain risks or perils to which the cargo insured may be exposed. Cargo insurance has become a must in international trade. Without it, international trade can not be guaranteed. ;What is the purpose of insurance?;Insurance Contract(保险合同) 1.Definition (1)保险合同是投保人与保险人约定保险权利义务关系的协议 An insurance contract is an agreement whereby the insurance rights and obligations are specified and agreed by the applicant and the insurer. (2)投保人——the applicant 是指与保险人订立保险合同，并按照保险合同负有支付保险费义务的人。 An applicant refers to the party who enters into an insurance contract with an insurer and is obligated to pay the premiums under the insurance contract. (3)保险人——the insurer 是指与投保人订立保险合同，并承担赔偿或者给付保险金责任的保险公司。 An insurer refers to the insurance company which enters into an insurance contract with an applicant and is obligated to make indemnity or payments of the insurance benefits.;(4)被保险人——the insured 被保险人是指其财产或者人身受保险合同保障，享有保险金请求权的人，投保人可以为被保险人。 The insured refers to anyone whose property or person is protected by the insurance contract and who is entitled to claim for compensation. An applicant may be the insured. (5)保险标的——The subject matte