商务英语高级词汇保险Word格式.docx
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商务英语高级词汇保险Word格式.docx
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tcoverthewaterdamagetomyhousebecausethefloodwasanactofGod.
actualcashvalue(nounphrase)=实际现金价值
ACV;
thecosttoreplaceorrepairapieceofproperty,takingintoaccountitsageandcurrentcondition
MystereowassooldandwornoutthattheactualcashvaluewasonlytenpercentofwhatIpaidforit.
adhesioncontract(nounphrase)=定式合同
acontractinwhichonepartyhasalmostnopowertonegotiatetermsandconditions
Wedonotplantonegotiatewithyou,soifyouwantthisadhesioncontract,youhavetoacceptitasitis.
aggregatelimit(nounphrase)=总限额
themaximumamountaninsurerisresponsibletopayforallcoveredlosses
Mostpeopleneverreachtheaggregatelimitoftheirpolicy.
all-riskinsurance(nounphrase)=全保险
typeofinsurancepolicycoveringeverykindoflossexceptthosespecificallynamedasexclusions
Weareinadangerousindustry,soourcompanyhasall-riskinsurance.
annuitydue(nounphrase)=期初应付年金
aninsurancecontractthatprovidescashpaymentsforaspecifiedperiodoftime,madeatthebeginningofeachperiodratherthanattheend
Wewantedtoreceiveourmonthlypaymentsinadvance,sowechoseanannuitydue.
保险-高级
(2)
arbitrationclause(nounphrase)=仲裁条款
partofaninsurancecontractstatingthatclaimdisputeswillbesettledthroughaneutralthirdpartyratherthaninacourtoflaw
Wehaveanarbitrationclauseinourpoliciesbecauseitreducesthechanceofexpensivelegalbattles.
assignor(noun)=让与人
onewhotransferspropertyownershiporalegalrighttoanother
Thepropertywillbeoursoncetheassignorsignstheagreement.
binder(noun)=暂保单
atemporaryagreementprovidinginsurancecoverageuntilanofficialpolicyisissued
Ineededimmediateproofofinsurance,sotheinsurancecompanygavemeabinderwhileitprocessedmyapplication.
blanketcontract(nounphrase)=一揽子合同
apolicythatcoverspropertyatmorethanonelocation
Weboughtablanketcontractbecauseourcompanytransportsgoodsbetweenfourwarehouses.
brand-namedrug(nounphrase)=品牌药
adrugsoldwithaspecifictradenamebyamanufacturerwho,inmostcases,ownsthepatent
Somehealthinsurancepolicieswon'
tpayforabrand-namedrugwhenacheaperalternativeisavailable.
cashvalue(nounphrase)=现金价值
cashsurrendervalue;
thecashamountthatisavailablewhentheownerofawholelifeinsurancepolicyterminatesitprematurely
Ineededmoney,soIcanceledmywholelifepolicyandtookthecashvalue.
cedingcompany(nounphrase)=分出公司
inareinsurancetransaction,theinsurancecompanythatistransferringtherisk
Inmostreinsurancetransactions,thecedingcompanydecideshowmuchrisktosharewiththeothercompaniesinvolved.
certificateofinsurance(nounphrase)=保险凭证
adocumentthatsummarizesthecoverageandtermsofaninsurancepolicy
Mostcompaniesacceptacertificateofinsuranceasproofthatapolicyexists.
保险-高级(3)
claimexpense(nounphrase)=索赔费用
thecostsofadjustingaclaim,suchasattorneyfeesandinvestigationexpenses,excludingthecostoftheclaim
Whenthereisalawsuitaboutaclaim,theclaimexpensecanbemorethantheclaimitself.
claimsanalyst(nounphrase)=索赔分析员
insuranceprofessionalwhoexaminesandevaluatesclaims
Claimsanalystsareverythoroughandoftenfindproblemswithclaimsthatothershavemissed.
claimsinvestigator(nounphrase)=索赔调查员
aninsuranceprofessionalwhoexaminesclaimsforfraudorcriminalactivity
Theinsurancecompanymanagerthoughttheclaimforthefirewassuspicious,soheassignedaclaimsinvestigatortothecase.
claimsreserve(nounphrase)=赔款准备金
moneysetasidetopayclaimsthatstillneedtobesettled
Wedon'
thavemuchmoneyinourclaimsreservebecausewehaveveryfewclaimspending.
co-insurance(noun)=共同保险
Theportionofeachclaimthatthepolicyholdermustpay
Myinsuranceplancovers80percentofmymedicalexpenses,somyco-insuranceis20percent.
combinedsinglelimit(nounphrase)=综合单一责任限额
themaximumamountpayableonallpropertydamagerelatedtoasingleevent
Thetornadodestroyedfourofourbuildings,butbecauseofourpolicy'
scombinedsinglelimit,wegotonlyenoughmoneytorebuildthreeofthem.
commerciallines(nounphrase)=商业险
insuranceforbusinesses,professionals,andprofessionalorganizations
Someinsurancecompanieshandleonlycommerciallinesofinsuranceanddon'
twritepoliciesforindividuals.
commission(nounphrase)=佣金
thepartofapolicypremiumpaidtoanagentorinsurancesalespersonascompensationforservices
Companiesretaintheirbestsalespeoplebyofferinglargecommissions.
保险-高级(4)
comprehensivepolicy(noun)=综合保险单
autoinsurancethatcoversseveralkindsofdamage,includingtheftandvandalism
Somebodybrokeallthewindowsonmycar,somycomprehensivepolicypaidfortherepairs.
compulsoryinsurance(nounphrase)=强制保险
insurancecoveragethatisrequiredbylaw
Compulsoryinsurancemakescertainthateveryonetakesresponsibilityforthedamagetheycause.
concealment(noun)=隐瞒
thewithholdingofrelevantinformationonaninsuranceapplication
Thecompanyterminatedmyfriend'
shealthinsurancepolicybecauseofhisconcealmentofhisheartcondition.
consequentialloss(nounphrase)=间接损失
lossthatresultsfromanotherloss,suchasareductioninpropertyvalueduetopropertydamage
Thestormdestroyedourrentalpropertyandtheconsequentiallossofrentalincomemadeourfinancesverytight.
constructivetotalloss(nounphrase)=推定全损
acircumstanceinwhichdamagedpropertycanberepairedbutthecosttodosoismorethanthepropertyisworth
Eventhoughmycarstillworkedaftertheaccident,theinsurancecompanycalleditaconstructivetotallossbecausetherepaircostsweresohigh.
coordinationofbenefits(nounphrase)=保险赔偿金协调
incaseswhereaninsurediscoveredbytwoormoreplansatthesametime,thepolicystatementthatdefinestheorderinwhicheachinsurancecompanywillpaybenefitsonthesameclaim
Coordinationofbenefitsensuresthatapolicyholderdoesn'
tgetpaidtwiceforthesameclaim.
cost-of-livingrider(nounphrase)=生活费附加条款
alifeinsurancebenefitthatallowsforincreasesinthebenefitpaymentsiftheinsuredbecomesdisabled
Ourcost-of-livingriderhelpeduspaythemortgagewhilemyhusbandwasrecoveringfromaninjury.
保险-高级(5)
coveredloss(nounphrase)=隐蔽损失
thespecifickindsofdamageordestructionforwhichtheinsurancecompanyhasagreedtopay
ImadesurethedamagetomyhousewasacoveredlossbeforeIcontactedmyinsurancecompany.
creditablecoverage(nounphrase)=可抵免保险
aninsuranceapplicant'
spreviouscoverage,whichmaybecreditedtothenewpolicyinordertowaivecertainexclusionsandlimitations
Youcanapplyyourcreditablecoveragetoyournewpolicyandavoidthewaitingperiodforpre-existingconditions.
deathbenefit(nounphrase)=死亡保险金
themoneypaidorpayabletoalifeinsurancepolicybeneficiaryaftertheinsuredpersondies
Thedeathbenefitfromourfather'
slifeinsurancepolicywasenoughtocoverthefuneral.
duplicationofcoverage(nounphrase)=保险重复
acircumstanceinwhichaninsuredpersonhastwopoliciesthatprovidethesamecoverageatthesametime
Youcannotreceivepaymentsfrommultiplepoliciesforthesameloss,soduplicationofcoveragemeansyouarepayingforcoverageyou'
llneveruse.
earnedpremium(nounphrase)=实收保险费
aninsuranceaccountingprinciple;
theportionofthepaymentforaninsurancepolicythathasbeenappliedtocoverageasopposedtotheportionthatappliestofuturecoverage
Youcannotgetarefundofanearnedpremiumbecausetheinsurancecompanyappliedthatmoneytoyourpastcoverage.
eliminationperiod(nounphrase)=剔除期间
theperiodoftimethatcertaintypesofinsurancerecipientmustwaitbeforepaymentsbegin
Myinsurancehasa30-dayeliminationperiod,soImayhavetoborrowsomemoneyuntilIstartgettingpaid.
endorsement(noun)=背书
partofaninsurancepolicythatstatestheadditionordeletionofcoveragefromthestandardpolicy
MyrentersinsurancehasanendorsementthatwillcovermyrentforsixmonthsifI'
munemployed.
保险-高级(6)
endowmentinsurance(nounphrase)=养老保险
atypeoflifeinsurancewhosevaluebecomespayableonaspecifieddateorwhentheinsureddies
Manypeoplebuyendowmentinsuranceaspartofaretirementplan.
evidenceofinsurability(nounphrase)=可保性证明
proofthatahealthorlifeinsuranceapplicantmeetsaninsurancecompany'
srequirementsforphysicalfitness
Mostinsurancecompanieswon'
tissueapolicyuntilanapplicanthassubmittedevidenceofinsurability.
expecte
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