保险行业核心专业英语词汇及日常用语大全.docxVIP

保险行业核心专业英语词汇及日常用语大全

保险行业作为一个高度专业化和国际化的领域，其术语体系严谨而丰富。无论是日常业务沟通、合同审阅，还是参与国际交流与合作，熟练掌握核心专业英语词汇及日常用语都至关重要。本文旨在梳理保险行业最常用的专业词汇与实用表达，为从业人员提供一份清晰、专业且实用的参考。

一、保险基础概念(BasicInsuranceConcepts)

核心词汇

*Insured/Policyholder(n.)被保险人/投保人:Thepersonorentitywhobuysaninsurancepolicyandisentitledtoclaimbenefits.(Note:Insuredcanalsorefertothepersonwhoselossiscovered,whilePolicyholderistheonewhoownsthepolicy.)

*Beneficiary(n.)受益人:Apersonorentitydesignatedtoreceivethebenefitsofaninsurancepolicyupontheoccurrenceoftheinsuredevent.

*SubjectMatterofInsurance(n.)保险标的:Theproperty,life,orliabilitythatiscoveredbyaninsurancepolicy.

*SumInsured/InsuredAmount(n.)保险金额:Themaximumamounttheinsurerwillpayintheeventofacoveredloss.

*Premium(n.)保险费:Theamountofmoneypaidbythepolicyholdertotheinsurerfortheinsurancecoverage.

*PolicyTerm(n.)保险期限:Theperiodduringwhichtheinsurancecoverageisineffect.

*InsurancePolicy(n.)保险单:Thelegaldocumentissuedbytheinsurertothepolicyholderoutliningthetermsandconditionsoftheinsurancecontract.

二、保险产品类型(TypesofInsuranceProducts)

核心词汇

*LifeInsurance(n.)人寿保险:Insurancethatpaysoutasumofmoneyeitheronthedeathoftheinsuredpersonorafterasetperiod.

*TermLifeInsurance(n.)定期寿险

*WholeLifeInsurance(n.)终身寿险

*EndowmentInsurance(n.)两全保险/养老保险

*Annuity(n.)年金保险

*Non-LifeInsurance/GeneralInsurance(n.)非寿险/财产险:Insurancethatisnotlifeinsurance,typicallycoveringproperty,liability,etc.

*PropertyInsurance(n.)财产保险:Coverslossordamagetophysicalpropertyanditsassociatedrisks.

*LiabilityInsurance(n.)责任保险:Coverstheinsuredslegalliabilitytothirdpartiesforbodilyinjuryorpropertydamage.

*PublicLiabilityInsurance(n.)公众责任险

*ProductLiabilityInsurance(n.)产品责任险

*ProfessionalIndemnityInsurance(n.)职业责任险

*HealthInsurance(n.)健康保险: