acceptance policy 核保政策
accounting¹ period 结算期
aggregate² limit 累积限额
aggregated³ loss 累积损失
antiselection 逆选择
ART (Alternative Risk Transfer) 新型风险转移
balance 所欠款项
barrages⁴ 堰坝
captive pools 自保组合
catastrophe⁵ risk 巨灾风险
ceiding company 分出公司
cession⁶ limit 分保限额
claim-prone 容易出险
claims assistance 理赔协助
clean cut 结清方式
coinsurance 共保
commencement and termination 起讫
cover 承保
cover 责任额
deposit premium⁷ 预付保费
destroyed 毁坏
earth caves 土坏房屋
EPA
event limit 事件限额
ex gratia payments 通融赔款
excess loss 超额赔款
exclusion⁸ 除外责任
exposed areas 风险承受区域
facultative reinsurance 临时分保
fault zone 断层区
finite risk 有限制的风险
flash floods 骤发洪水
flooding of rivers 洪水泛滥
frame structure 框架结构
full coverage⁹ 全额承保
full insurance value 足额保险价值
full liability 全部责任
Geophysics Institute 地球物理研究所
GNPI 总净保费收入
hailstorm 雹暴
heavy damage 严重破坏
hollow brick wall 空斗砖结构
hour clause 小时条款
hurricane 飓风
individual losses 单一损失
insurability 可保性
insured losses 保险损失
intensity¹⁰ 烈度
layering 层次
less exposed 损失可能性小
liability 责任
light damage 轻度破坏
line slips 分保条
loading 附加费
loss occurrence 损失发生
loss occurring basis 损失发生基础
loss participation¹¹ 分担损失
loss settlement 损失赔付
magnitude 震级
malicious¹² damage 恶意损害
moderate damage 中度破坏
multi-story building 多层建建筑
Munich Re 慕尼黑再
net retained lines 净自留额
net retained losses 损失净自赔额
no profit commission 无纯益风险
non-proportional reinsurance 非比例再保险
notification 告知
object 标的
obligatory¹³ reinsurance 固定分保
original deductibles 原始免赔额
original rate 原始费率
paid-up capital 已付资本
peak accelerator 峰值加速度
peril¹⁴ 危险
PICC Re 中保再
placement 安排
PML 可能最大损失
policyholder 保单持有者
pool 共保组合
portfolio¹⁵ entry 未满期责任的出帐
portfolio outgo 未满期责任的入帐
premium 保费
previous losses 既往损失
priority 分保自留额
priority 自付责任
proportional reinsurance 比例再保险
rainstorm 雨暴
rating 费率
reinforced concrete building 钢筋混凝土建筑
reinstatement 恢复保额
reinsured 分出公司
reinsurer 再保险人
retention¹⁶ 自留额
retention areas 滞洪区
return period 重现期
revoke¹⁷ license¹⁸ 吊销营业执照
seaquake 海震
second event cover 第二事件承保
securitization 证券化
seismic¹⁹ demage 震害
set-off 抵销
shear²⁰ wall structure 剪力墙结构
single 险位超赔
spread loss 分散风险
stop loss 赔付率超赔
storm surges 风暴潮
susceptibility of goods to water 易受水浸性
tarrif 费率表
TG 拐点周期
tidal wave 海啸
topographic map 地形图
tornado²¹ 龙卷风
total sum insured 总保额
treaty-limits 合约限额
tube structure 筒体结构
underwriting policy 承保政策
windstorm 风暴
险种及险别

险种

health insurance 疾病保险，健康保险
sickness insurance 疾病保险
insurance during a period of illness 疾病保险
insurance for medical care 医疗保险
"major medical" insurance policy 巨额医药费保险
life insurance 人寿保险
endowment insurance 养老保险
insurance on last survivor²² 长寿保险
social insurance 社会保险
personal property insurance 个人财产保险
insurance of contents 家庭财产保险

险别

Free from Particular Average（F.P.A.） 平安险
With Particular Average （W.P.A.） 水渍险
All Risks 一切险
risk of breakage 破碎险
risk of clashing 碰损险
risk of rust 生锈险
risk of hook damage 钩损险
risk of contamination (tainting) 污染险
insurance against total loss only (TLO) 全损险
risk of deterioration 变质险
risk of packing breakage 包装破裂险
risk of inherent vice 内在缺陷险
risk of normal loss (natural loss) 途耗或自然损耗险
risk of spontaneous combustion 自然险
risk of contingent import duty 进口关税险
insurance against war risk 战争险
Air Transportation Cargo War Risk 航空运输战争险
overland Transportation Insurance War Risk 陆上运输战争险
insurance against strike, riot and civil commotion (SRCC) 罢工，暴动，民变险
insurance against extraneous risks, insurance against additional risks 附加险
risk of theft, pilferage and nondelivery (TPND) 盗窃提货不着险
risk of fresh and/of rain water damage(wetting) 淡水雨淋险
risk of leakage 渗漏险
risk of shortage in weight/quantity 短量险
risk of sweating and/or heating 受潮受热险
risk of bad odour(change of flavour) 恶味险，变味险
risk of mould 发霉险
on deck risk 舱面险

保险业词汇

Terms used in insurance industryaccident
意外事故险
actuarial method
精算法
Advance Loss Profits (ALOP)
预期利润损失险，利损险
Advance profit
预期利润
broker
经纪人
Business Interruption Insurance (BI)
营业中断险
captive
自保公司
casualty
意外伤害险
catastrophe
巨灾险
ceding company
分出公司
claim
索赔
claim settlement
理赔
combined ratio
综合赔付率
Consequential Loss (CL)
后果损失

Contractor's All Risks (CAR)
建筑工程一切险（建工险）
cover
保障
Delay in completion
完工延误
EEI
电子设备险
engineering insurance
工程保险
Erection All Risks (EAR)
安装工程一切险（安工险）
excess of loss cover
超额赔偿
EXL protection
超赔保障
facultative business
临分保
IBRN
Incurred but not reported losses 已发生但未报的损失
IBRN reserve
IBRN 储备金
indemnity period/limit
赔期/期限
inflated claim
超额索赔
insurance capacity
承保能力
insured property
参保物业
Kobe
神户
Lloyd
劳合社
long-tail
长尾
Loss of profit
利损险
Machinery (Breakdown) Insurance
机器（损坏〕险，机损险
mail/sub-contractor
主/分承包商
maintenance
保证期
multiple claim
多次（重复）索赔
non-life
非寿险
officer & director liability
雇主保险
outstanding claim reserve
未决索赔准备金
PC industry
property & catastrophe industry
peril
危险
policy
保单
pool
联营
possible maximum loss
可能的最大损失
premium
保费
primary insurance company
原保公司、主保险商
principal/employer
业主
professional
专业险
profit margin
利润边际
property
财产险
proportional cover
比例分保
punitive damage
惩罚性损害
rate
费率
reinsurer
分保人（分保公司）
reinsurer
再保人
reserve
准备金
retention
自留
return period
（巨灾）间隔期
short-tail
短尾
solvency margin
赔偿能力
standing charges
维持费用
subject insured
风险标的
sum insured
保额
tarrif zone
险区
Third Party Liability (TPL)
第三者责任险
treaties business
合同分保
turnover
营业额
underwriting
承保
working expenses /cost
营业费用
writing
承保