保险英语 Insurance English （保险专业英语课件PPT）.ppt

InsuranceEnglishInsuranceEnglish保险英语保险英语IntroductionIntroductionAimsAimsUnderstandthecommoninsuranceUnderstandthecommoninsuranceglossaryglossaryCanChineseCanChinese--EnglishmutuallyEnglishmutuallytranslatedtranslatedCanreadandunderstandthenewsCanreadandunderstandthenewsorarticleintheprofessionalfieldorarticleintheprofessionalfieldCaninterpretinChineseCaninterpretinChinese--EnglishEnglishIwillfocuson…..Iwillfocuson…..HowmuchinformationyouwillHowmuchinformationyouwillachieveintheselecturesachieveintheselecturesPleasemoreandmore!!Pleasemoreandmore!!HowmuchinformationyouwillletHowmuchinformationyouwillletmeknowintheselecturesmeknowintheselecturesPleasetrytosay!!GO!GO!GO!Pleasetrytosay!!GO!GO!GO!Idon’tcare…Idon’tcare…ToomuchaboutthegrammaticalToomuchaboutthegrammaticalstructurestructureButpleaseensureitisstillButpleaseensureitisstillEnglish!!!!!!English!!!!!!UsefullinkUsefullinkhttp://insurance.hexun/http://insurance.hexun/http://.insurancedaily.co.uk/http://.insurancedaily.co.uk/http://.businessinsurance/http://.businessinsurance/ReferencebooksReferencebooks保险英语（保险英语（刘亚非主编刘亚非主编复旦大学出版社）复旦大学出版社）保险专业英语（张栓林主编保险专业英语（张栓林主编中国金融出版中国金融出版社）社）InsurancetermsInsurancetermsPartOnePartOnePolicyPolicy保单保单ClientClient保户保户CoverCover保障保障ClaimClaim索赔索赔LifeinsuranceLifeinsurance寿险寿险PropertyinsurancePropertyinsurance财险财险PensionPension养老金养老金HealthinsuranceHealthinsurance健康险健康险AccidentinsuranceAccidentinsurance意外伤害险意外伤害险因生病或遭遇意外事故而造成的死亡或伤害而给因生病或遭遇意外事故而造成的死亡或伤害而给付的保险付的保险BeneficiaryclauseBeneficiaryclause受益人条款受益人条款AdditionalinsuranceAdditionalinsurance附加保险附加保险PremiumPremium年金年金保费保费ReserveReserve准备金准备金ReinsuranceReinsurance再保险再保险CommissionCommission佣金佣金CalldepositCalldeposit活期存款活期存款MarineinsuranceMarineinsurance海上保险海上保险UnitOneRiskUnitOneRiskQ:WhatkindofriskhaveyoufacedinQ:Whatkindofriskhaveyoufacedinyourlife?yourlife?DefinitionDefinitionRiskloverRiskloverApersonwhovaluesacertainincomeApersonwhovaluesacertainincomelessthananequalamountofincomelessthananequalamountofincomethatinvolvesriskoruncertainty.thatinvolvesriskoruncertainty.RiskneutralRiskneutralInsensitivetorisk,meaningsomeoneInsensitivetorisk,meaningsomeonewhoiscompletelyindifferenttothewhoiscompletelyindifferenttotheriskinvolvedinaninvestmentandisriskinvolvedinaninvestmentandisonlyconcernedaboutexpectedreturn.onlyconcernedaboutexpectedreturn.Risk averse Risk averse Investor attitude according to which Investor attitude according to which the value of a sure chance with a the value of a sure chance with a lower yield is considered higher than lower yield is considered higher than the value of an unsure chance with a the value of an unsure chance with a higher yield. higher yield. http://.businessinsurance/se http://.businessinsurance/se ction/video ction/video-- reports?playlistID=60719734001 reports?playlistID=60719734001 Insurance Terms Insurance Terms Part Two Part Two underwrite underwrite Present value Present value Cash flow Cash flow Commercial insurance Commercial insurance Mortality rate Mortality rate Long Long--term disability income term disability income insurance insurance Liability insurance Liability insurance Waiver Waiver hit and run hit and run renew; renewal renew; renewal surrender surrender Endowment assurance Endowment assurance  Term assurance Term assurance 定期寿险 定期寿险  Whole life assurance Whole life assurance 终身寿险 终身寿险   Profit testing Profit testing 利润测试 利润测试   Notice of expiration Notice of expiration 满期通知 满期通知   Moral hazard Moral hazard 道德风险 道德风险  Anti Anti--selection selection 逆向选择 逆向选择   Expense limitation Expense limitation 费用限额 费用限额   Expense loading Expense loading 附加费用 附加费用   Group insurance Group insurance 团险 团险  Gross revenue/earning Gross revenue/earning 毛收入 毛收入   Paid up Paid up 缴清（保险） 缴清（保险）  Moral hazard Moral hazard The risk that a party to a transaction The risk that a party to a transaction has not entered into the contract in has not entered into the contract in good faith, has provided misleading good faith, has provided misleading information about its assets, liabilities information about its assets, liabilities or credit capacity, or has an incentive or credit capacity, or has an incentive to take unusual risks in a desperate to take unusual risks in a desperate attempt to earn a profit before the attempt to earn a profit before the contract settles contract settles  Anti Anti- -selection selection Tendency of people with significant potential Tendency of people with significant potential