商务英语高级词汇保险.docx

商务英语高级词汇保险.docx

《商务英语高级词汇保险.docx》由会员分享，可在线阅读，更多相关《商务英语高级词汇保险.docx（23页珍藏版）》请在冰豆网上搜索。

商务英语高级词汇保险

保险-高级

acceleratedbenefits（nounphrase）=提前给付

amendmenttoalifeinsurancepolicythatallowstheinsuredtocollectbenefitsbeforedeath,usuallyincasesofextendedorterminalillness

Myfather'sacceleratedbenefitshelpedpayforhistimeinthehospital.

⇒未提供注释。

accidentaldeathbenefit（nounphrase）=意外死亡保险金

anagreementinalifeinsurancepolicythatthecompanywillpayanadditionalamountiftheinsureddiesanaccident

Myaunt'slifeinsurancepolicyincludedanaccidentaldeathbenefit,soherfamilyreceivedanadditional$50,000aftershediedinacaraccident.

⇒未提供注释。

actofGod（nounphrase）=不可抗力

anaturaleventbeyondhumancontrol

Myinsurancepolicydidn'tcoverthewaterdamagetomyhousebecausethefloodwasanactofGod.

⇒未提供注释。

actualcashvalue（nounphrase）=实际现金价值

ACV;thecosttoreplaceorrepairapieceofproperty,takingintoaccountitsageandcurrentcondition

MystereowassooldandwornoutthattheactualcashvaluewasonlytenpercentofwhatIpaidforit.

⇒未提供注释。

adhesioncontract（nounphrase）=定式合同

acontractinwhichonepartyhasalmostnopowertonegotiatetermsandconditions

Wedonotplantonegotiatewithyou,soifyouwantthisadhesioncontract,youhavetoacceptitasitis.

⇒未提供注释。

aggregatelimit（nounphrase）=总限额

themaximumamountaninsurerisresponsibletopayforallcoveredlosses

Mostpeopleneverreachtheaggregatelimitoftheirpolicy.

⇒未提供注释。

all-riskinsurance（nounphrase）=全保险

typeofinsurancepolicycoveringeverykindoflossexceptthosespecificallynamedasexclusions

Weareinadangerousindustry,soourcompanyhasall-riskinsurance.

⇒未提供注释。

annuitydue（nounphrase）=期初应付年金

aninsurancecontractthatprovidescashpaymentsforaspecifiedperiodoftime,madeatthebeginningofeachperiodratherthanattheend

Wewantedtoreceiveourmonthlypaymentsinadvance,sowechoseanannuitydue.

⇒未提供注释。

保险-高级

（2）

arbitrationclause（nounphrase）=仲裁条款

partofaninsurancecontractstatingthatclaimdisputeswillbesettledthroughaneutralthirdpartyratherthaninacourtoflaw

Wehaveanarbitrationclauseinourpoliciesbecauseitreducesthechanceofexpensivelegalbattles.

⇒未提供注释。

assignor（noun）=让与人

onewhotransferspropertyownershiporalegalrighttoanother

Thepropertywillbeoursoncetheassignorsignstheagreement.

⇒未提供注释。

binder（noun）=暂保单

atemporaryagreementprovidinginsurancecoverageuntilanofficialpolicyisissued

Ineededimmediateproofofinsurance,sotheinsurancecompanygavemeabinderwhileitprocessedmyapplication.

⇒未提供注释。

blanketcontract（nounphrase）=一揽子合同

apolicythatcoverspropertyatmorethanonelocation

Weboughtablanketcontractbecauseourcompanytransportsgoodsbetweenfourwarehouses.

⇒未提供注释。

brand-namedrug（nounphrase）=品牌药

adrugsoldwithaspecifictradenamebyamanufacturerwho,inmostcases,ownsthepatent

Somehealthinsurancepolicieswon'tpayforabrand-namedrugwhenacheaperalternativeisavailable.

⇒未提供注释。

cashvalue（nounphrase）=现金价值

cashsurrendervalue;thecashamountthatisavailablewhentheownerofawholelifeinsurancepolicyterminatesitprematurely

Ineededmoney,soIcanceledmywholelifepolicyandtookthecashvalue.

⇒未提供注释。

cedingcompany（nounphrase）=分出公司

inareinsurancetransaction,theinsurancecompanythatistransferringtherisk

Inmostreinsurancetransactions,thecedingcompanydecideshowmuchrisktosharewiththeothercompaniesinvolved.

⇒未提供注释。

certificateofinsurance（nounphrase）=保险凭证

adocumentthatsummarizesthecoverageandtermsofaninsurancepolicy

Mostcompaniesacceptacertificateofinsuranceasproofthatapolicyexists.

⇒未提供注释。

保险-高级（3）

claimexpense（nounphrase）=索赔费用

thecostsofadjustingaclaim,suchasattorneyfeesandinvestigationexpenses,excludingthecostoftheclaim

Whenthereisalawsuitaboutaclaim,theclaimexpensecanbemorethantheclaimitself.

⇒未提供注释。

claimsanalyst（nounphrase）=索赔分析员

insuranceprofessionalwhoexaminesandevaluatesclaims

Claimsanalystsareverythoroughandoftenfindproblemswithclaimsthatothershavemissed.

⇒未提供注释。

claimsinvestigator（nounphrase）=索赔调查员

aninsuranceprofessionalwhoexaminesclaimsforfraudorcriminalactivity

Theinsurancecompanymanagerthoughttheclaimforthefirewassuspicious,soheassignedaclaimsinvestigatortothecase.

⇒未提供注释。

claimsreserve（nounphrase）=赔款准备金

moneysetasidetopayclaimsthatstillneedtobesettled

Wedon'thavemuchmoneyinourclaimsreservebecausewehaveveryfewclaimspending.

⇒未提供注释。

co-insurance（noun）=共同保险

Theportionofeachclaimthatthepolicyholdermustpay

Myinsuranceplancovers80percentofmymedicalexpenses,somyco-insuranceis20percent.

⇒未提供注释。

combinedsinglelimit（nounphrase）=综合单一责任限额

themaximumamountpayableonallpropertydamagerelatedtoasingleevent

Thetornadodestroyedfourofourbuildings,butbecauseofourpolicy'scombinedsinglelimit,wegotonlyenoughmoneytorebuildthreeofthem.

⇒未提供注释。

commerciallines（nounphrase）=商业险

insuranceforbusinesses,professionals,andprofessionalorganizations

Someinsurancecompanieshandleonlycommerciallinesofinsuranceanddon'twritepoliciesforindividuals.

⇒未提供注释。

commission（nounphrase）=佣金

thepartofapolicypremiumpaidtoanagentorinsurancesalespersonascompensationforservices

Companiesretaintheirbestsalespeoplebyofferinglargecommissions.

⇒未提供注释。

保险-高级（4）

comprehensivepolicy（noun）=综合保险单

autoinsurancethatcoversseveralkindsofdamage,includingtheftandvandalism

Somebodybrokeallthewindowsonmycar,somycomprehensivepolicypaidfortherepairs.

⇒未提供注释。

compulsoryinsurance（nounphrase）=强制保险

insurancecoveragethatisrequiredbylaw

Compulsoryinsurancemakescertainthateveryonetakesresponsibilityforthedamagetheycause.

⇒未提供注释。

concealment（noun）=隐瞒

thewithholdingofrelevantinformationonaninsuranceapplication

Thecompanyterminatedmyfriend'shealthinsurancepolicybecauseofhisconcealmentofhisheartcondition.

⇒未提供注释。

consequentialloss（nounphrase）=间接损失

lossthatresultsfromanotherloss,suchasareductioninpropertyvalueduetopropertydamage

Thestormdestroyedourrentalpropertyandtheconsequentiallossofrentalincomemadeourfinancesverytight.

⇒未提供注释。

constructivetotalloss（nounphrase）=推定全损

acircumstanceinwhichdamagedpropertycanberepairedbutthecosttodosoismorethanthepropertyisworth

Eventhoughmycarstillworkedaftertheaccident,theinsurancecompanycalleditaconstructivetotallossbecausetherepaircostsweresohigh.

⇒未提供注释。

coordinationofbenefits（nounphrase）=保险赔偿金协调

incaseswhereaninsurediscoveredbytwoormoreplansatthesametime,thepolicystatementthatdefinestheorderinwhicheachinsurancecompanywillpaybenefitsonthesameclaim

Coordinationofbenefitsensuresthatapolicyholderdoesn'tgetpaidtwiceforthesameclaim.

⇒未提供注释。

cost-of-livingrider（nounphrase）=生活费附加条款

alifeinsurancebenefitthatallowsforincreasesinthebenefitpaymentsiftheinsuredbecomesdisabled

Ourcost-of-livingriderhelpeduspaythemortgagewhilemyhusbandwasrecoveringfromaninjury.

⇒未提供注释。

保险-高级（5）

coveredloss（nounphrase）=隐蔽损失

thespecifickindsofdamageordestructionforwhichtheinsurancecompanyhasagreedtopay

ImadesurethedamagetomyhousewasacoveredlossbeforeIcontactedmyinsurancecompany.

⇒未提供注释。

creditablecoverage（nounphrase）=可抵免保险

aninsuranceapplicant'spreviouscoverage,whichmaybecreditedtothenewpolicyinordertowaivecertainexclusionsandlimitations

Youcanapplyyourcreditablecoveragetoyournewpolicyandavoidthewaitingperiodforpre-existingconditions.

⇒未提供注释。

deathbenefit（nounphrase）=死亡保险金

themoneypaidorpayabletoalifeinsurancepolicybeneficiaryaftertheinsuredpersondies

Thedeathbenefitfromourfather'slifeinsurancepolicywasenoughtocoverthefuneral.

⇒未提供注释。

duplicationofcoverage（nounphrase）=保险重复

acircumstanceinwhichaninsuredpersonhastwopoliciesthatprovidethesamecoverageatthesametime

Youcannotreceivepaymentsfrommultiplepoliciesforthesameloss,soduplicationofcoveragemeansyouarepayingforcoverageyou'llneveruse.

⇒未提供注释。

earnedpremium（nounphrase）=实收保险费

aninsuranceaccountingprinciple;theportionofthepaymentforaninsurancepolicythathasbeenappliedtocoverageasopposedtotheportionthatappliestofuturecoverage

Youcannotgetarefundofanearnedpremiumbecausetheinsurancecompanyappliedthatmoneytoyourpastcoverage.

⇒未提供注释。

eliminationperiod（nounphrase）=剔除期间

theperiodoftimethatcertaintypesofinsurancerecipientmustwaitbeforepaymentsbegin

Myinsurancehasa30-dayeliminationperiod,soImayhavetoborrowsomemoneyuntilIstartgettingpaid.

⇒未提供注释。

endorsement（noun）=背书

partofaninsurancepolicythatstatestheadditionordeletionofcoveragefromthestandardpolicy

MyrentersinsurancehasanendorsementthatwillcovermyrentforsixmonthsifI'munemployed.

⇒未提供注释。

保险-高级（6）

endowmentinsurance（nounphrase）=养老保险

atypeoflifeinsurancewhosevaluebecomespayableonaspecifieddateorwhentheinsureddies

Manypeoplebuyendowmentinsuranceaspartofaretirementplan.

⇒未提供注释。

evidenceofinsurability（nounphrase）=可保性证明

proofthatahealthorlifeinsuranceapplicantmeetsaninsurancecompany'srequirementsforphysicalfitness

Mostinsurancecompanieswon'tissueapolicyuntilanapplicanthassubmittedevidenceofinsurability.

⇒未提供注释。

expecte