商务英语中级词汇保险文档格式.docx

商务英语中级词汇保险文档格式.docx

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assessedvalue（nounphrase）=估定价值

thevalueofpropertyasdeterminedspecificallyfortaxation

Wewerehappywhenwesoldourhouseformorethanitsassessedvalue.

assessor（noun）=公估人

onewhodeterminesthevalueofproperty

Theassessorsaidourhousehasincreasedinvalue.

assignment（noun）=指派

aproceduresetupbyacustomerservicedepartmenttodesignateanagentortechniciantohandleacustomerservicerequest

Afteranassignmentismade,ourdepartmentmonitorsthesituationuntilitisresolved.

badfaith（noun）=不守信用

anintentiontodeceiveinordertoavoidpayingmoney

Wethinkthecompanyactedinbadfaithwhenitdeniedourclaim.

basiclimit（nounphrase）=基本限制

theminimumcoverageamountforwhichaninsurancecompanywillwriteapolicy

TheamountofcoverageIwantedwasbelowthebasiclimit,soIhadtoacceptahigheramount.

保险-中级

（2）

beneficiary（noun）=受益人

thepersonwhowillreceivethemoneyfromalifeinsurancepolicy

Myhusbandistheprimarybeneficiaryofmylifeinsurancepolicy.

benefit（noun）=保险赔偿金

theamountofmoneyaninsuredpersonwillreceivefromaninsurancepolicy

Mycompany'

shealthinsurancepolicyincludesbenefitsforhospitalization.

bodilyinjury（nounphrase）=人身伤害

physicalormentalharmtoaperson

Isufferedseriousbodilyinjuryintheaccident.

broker（noun）=经纪人

anindependentagentwhosellsinsurancetoconsumers

Mybrokerfoundseveraloptionsandthenrecommendedthepolicyhethoughtwasbestforme.

burglaryandtheftpolicy（nounphrase）=盗窃保险单

coverageagainstpropertylossfromtheunlawfultakingofproperty

Weneedaburglaryandtheftpolicyforourbusinessbecausewehaveexpensiveinventoryinourwarehouse.

cancellation（noun）=取消

theterminationofapolicybeforeitsexpirationdate

Youmayneedtopayapenaltyforacancellation,butthatisbetterthanpayingforapolicyyoudon'

tneed.

carrier（noun）=携带者

apersonwhocanpassonadisease,eithergeneticallyorthroughapathogen,butdoesnotexhibitanysymptomsofthedisease

TyphoidMarywasthemostfamouscarrierinhistory.Shespreadtyphoidfever,butneverbecamesickherself.

carrier（noun）=保险公司

theentityresponsibleforpayinginsuranceclaims

Thehospitaladministratoraskedforthenameofmyinsurancecarrier.

casualty（noun）=意外事故

anaccidentthatcausesinjuryordamage;

thelegalandfinancialresponsibilitythatresultsfromanaccident

Transportationandconstructioncompanieshaveahigherriskofcasualtythanothercompanies.

保险-中级（3）

casualtyinsurance（nounphrase）=意外事故保险

insurancethatprotectsagainstfinanciallossduetoanaccidentthatcauseddamageorinjury

Companieswithahighriskforaccidentsneedcasualtyinsurancetoprotectthebusiness.

catastrophe（noun）=灾难

aneventthatcausesextremelyhighlosses

Thehurricanewasacatastrophefortheentirestate.

cede（verb）=分保

transferriskfromonecompanytoanotherinordertoeliminateorsharetheriskofcoverage

Mycompanycedeshalfofitshurricanepoliciestoanothercompanysoourliabilitywon'

tbesohigh.

claim（noun）=索赔

arequestforpaymentbasedonthetermsofaninsurancepolicy

Wefiledaclaimwiththeinsuranceagencyafterafiredestroyedourwarehouse.

claimdenial（nounphrase）=拒绝索赔

arefusaltopaymoneyrequestedbasedonthetermsofaninsurancepolicy

Thejudgeruledthattheinsurancecompany'

sclaimdenialwasillegal.

claimant（noun）=索赔人

apersonorentityrequestingcompensationorbenefitpaymentsfromaninsurer

Aftertheinsurancecompanyreviewsthepaperwork,theclaimantcanreceivepayment.

class（noun）=分类

individualsgroupedtogetherbyaninsurerbasedonsimilarcharacteristicsandrisks

Teenagedriverspaymoreforinsurancebecausetheyareinahigh-riskclass.

classification（noun）=分类

thegroupingtogetherofindividualsbasedonsimilarcharacteristicsandrisk

Afterthefireinourneighborhood,ourinsurancerateswentupbecauseourclassificationchanged.

clause（noun）=条款

sectioninapolicythatexplainsspecifictermsandconditions,suchascoveragelimitationsandchangestostandardcoverage

Whenmysongothisdriver'

slicense,theinsurancecompanyaddedaclausetomypolicytocoverhim.

保险-中级（4）

co-payment（noun）=分担付款

ingrouphealthplans,thepolicyholder'

sshareofthetotalmedicalbill

Themonthlypremiumformyinsuranceisinexpensive,butmyco-paymentsarehigh.

compensation（noun）=赔偿

thepaymenttoapolicyholderforacoveredloss

Agoodinsurancepolicyprovidescompensationthatequalsthevalueofthelostordamageditem.

comprehensiveautoinsurance（nounphrase）=综合汽车保险

atypeofautoinsurancepolicythatcoversawidevarietyofdangers

Werecommendcomprehensiveautoinsurancetocustomerswhohaveneworexpensivecars.

conditions（noun）=条件

therightsandobligationsofapolicyholderandinsurerasstatedinaninsurancecontract

Youshouldunderstandalltheconditionsinaninsurancepolicybeforeyoubuyit.

contract（noun）=合同

awrittenlegalagreement

It'

simportanttoreadacontractthoroughlybeforesigningit.

alegalagreement,usuallyinwriting

Customersoftenhavetheoptionofpurchasingaservicecontractthatincreasesthelevelofsupporttheycanreceivefromacompany.

cover（verb）=投保

toprovideinsuranceprotection

Insurancecompanieshavedifferentmethodsfordecidingwhomtocover.

coverage（noun）=覆盖范围

thescopeofprotectionprovidedbyaninsurancepolicy

Youshouldtalkwithyourinsuranceagenttodecidehowmuchcoverageyouneed.

thehoursofoperationofacustomerservicecenter

Weprovidecontinuouscoverageforourcustomers,soweareneverclosed.

creditinsurance（nounphrase）=信用保险

insurancethatpaysoffaperson'

sdebtwhenheorshebecomesdisabledordies

Iboughtcreditinsurancesothatmyhusbandwouldn'

thavetopaymydebtsifIdied.

保险-中级（5）

damageestimate（nounphrase）=损失估算

acalculationofthecosttorepairproperty

Insurancecompaniesusedamageestimatestohelpdeterminehowmuchtopayonclaims.

decedent（noun）=死者

adeadperson

Thedecedent'

slifeinsurancebenefitwenttohiswife.

declarations（noun）=声明

thesectionofaninsurancepolicythatlistsbasicinformationaboutthepolicyandpolicyholder

Whenyoupurchaseanewinsurancepolicy,makesurealltheinformationinthedeclarationsisaccurate.

deductible（noun）=免赔额

theamountapolicyholdermustpaytowardtotalclaimexpenses

Insurancepolicieswithalowdeductibleoftencostmore.

dependent（noun）=家属

someonewhoreliesonanotherforfinancialsupport

Myhealthinsurancepolicycoversmychildrenasdependentsuntiltheyare25yearsold.

disability（noun）=残疾

aphysicalormentalconditionthatlimitslifeactivitiesandpreventssomeonefromperformingnormaljobfunctions

Maria'

sdisabilitymakeshercurrentjobverydifficult,sohercompanyistraininghertodootherkindsofwork.

disabilityinsurance（nounphrase）=残疾保险

insurancethatprovidesincomewhensomeoneistoosickorinjuredtowork

DisabilityinsurancehelpedmepaymybillswhileIrecoveredfrommyinjury.

effectivedate（nounphrase）=有效日期

thedateonwhichaninsurancepolicybeginsprovidingcoverage

Iwenttothedoctortwodaysbeforemyinsurancepolicy'

seffectivedate,soIhadtopayforthevisitmyself.

examiner（noun）=审查员

anagentwhoauditsinsurancecompaniesforstateregulators

Theexaminerreviewedourrecordsandsaidtheywereinperfectorder.

保险-中级（6）

exclusions（noun）=除外责任

circumstancesorconditionsthataninsurancepolicydoesnotcover

Fireandfloodareexclusionsinmypropertyinsurancepolicy.

experience（noun）=经验

thenumberanddollaramountoflossesofagivenpolicyholderoraspecifictypeofcoverage

Companieslookatacustomer'

sexperiencetodeterminethepriceofinsurancecoverage.

fireinsurance（nounphrase）=火灾保险

insurancethatpaysforlossescausedbyfireorlightning

Ourwarehouseburneddown,butourfireinsurancepaidtorebuildit.

fixedannuity（nounphrase）=固定年金

aninsurancecontractthatguaranteesapaymentandinterestrateoveraspecificperiodoftime

IchoseafixedannuitybecauseIliketoknowexactlywhatmyincomewillbe.

floodinsurance（nounphrase）=洪灾保险

insurancethatpaysforlossescausedbydamagefromanoverflowingriver,lake,orotherbodyofwater

Ourbuildingisnexttotheriver,sowehavetohavefloodinsurance.

fraud（noun）=欺诈

theactoflyingorintentionallyhidinginformation

Insurancecompaniesdiscoverseveralcasesoffraudeveryyear.

genericdrug（nounphrase）=一般药物

adrugwiththesamechemicalmakeupasabrandname