《保险业务的常用词汇.docxVIP

保险业务的常用词汇据360教育集团介绍：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 reinsurance　　2、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 insurance　　3、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 requirement　　保险偿付能力监管insurance solvency regulation　　保险监管信息系统 Insuran