保险英文术语 Insurance Policy (or Certificate)保险单（或凭证）
1.Risks & Coverage险别
(1)free from particular average (F.P.A.)平安险
(2)with particular average (W.A.)水渍险（基本险）
(3)all risk一切险（综合险）
(4)total loss only (T.L.O.)全损险
(5)war risk战争险
(6)cargo(extended cover)clauses货物（扩展）条款
(7)additional risk附加险
(8)from warehouse to warehouse clauses仓至仓条款
(9)theft,pilferage and nondelivery (T.P.N.D.)盗窃提货不着险
(10)rain fresh water damage淡水雨淋险
(11)risk of shortage短量险
(12)risk of contamination沾污险
(13)risk of leakage渗漏险
(14)risk of clashing & breakage碰损破碎险
(15)risk of odour串味险
(16)damage caused by sweating and/or heating受潮受热险
(17)hook damage钩损险
(18)loss and/or damage caused by breakage of packing包装破裂险
(19)risk of rusting锈损险
(20)risk of mould发霉险
(21)strike, riots and civel commotion (S.R.C.C.)罢工、暴动、民变险
(22)risk of spontaneous combustion自燃险
(23)deterioration risk腐烂变质险
(24)inherent vice risk内在缺陷险
(25)risk of natural loss or normal loss途耗或自然损耗险
(26)special additional risk特别附加险
(27)failure to delivery交货不到险
(28)import duty进口关税险
(29)on deck仓面险
(30)rejection拒收险
(31)aflatoxin黄曲霉素险
(32)fire risk extension clause-for storage of cargo at destination Hongkong, including Kowloon, or Macao出口货物到香港（包括九龙在内）或澳门存仓火险责任扩展条款
(33)survey in customs risk海关检验险
(34)survey at jetty risk码头检验险
(35)institute war risk学会战争险
(36)overland transportation risks陆运险
(37)overland transportation all risks陆运综合险
(38)air transportation risk航空运输险
(39)air transportation all risk航空运输综合险
(40)air transportation war risk航空运输战争险
(41)parcel post risk邮包险
(42)parcel post all risk邮包综合险
(43)parcel post war risk邮包战争险
(44)investment insurance(political risks)投资保险（政治风险）
(45)property insurance财产保险
(46)erection all risks安装工程一切险
(47)contractors all risks建筑工程一切险
2.the stipulations for insurance保险条款
(1)marine insurance policy海运保险单
(2)specific policy单独保险单
(3)voyage policy航程保险单
(4)time policy期限保险单
(5)floating policy (or open policy)流动保险单
(6)ocean marine cargo clauses海洋运输货物保险条款
(7)ocean marine insurance clauses (frozen products)海洋运输冷藏货物保险条款
(8)ocean marine cargo war clauses海洋运输货物战争险条款
(9)ocean marine insurance clauses (woodoil in bulk)海洋运输散装桐油保险条款
(10)overland transportation insurance clauses (train, trucks)陆上运输货物保险条款（火车、汽车）
(11)overland transportation insurance clauses (frozen products)陆上运输冷藏货物保险条款
(12)air transportation cargo insurance clauses航空运输货物保险条款
(13)air transportation cargo war risk clauses航空运输货物战争险条款
(14)parcel post insurance clauses邮包保险条款
(15)parcel post war risk insurance clauses邮包战争保险条款
(16)livestock & poultry insurance clauses (by sea, land or air)活牲畜、家禽的海上、陆上、航空保险条款
(17)…risks clauses of the P.I.C.C. subject to C.I.C.根据中国人民保险公司的保险条款投保……险
(18)marine insurance policies or certificates in negotiable form, for 110% full CIF invoice covering the risks of War & W.A. as per the People's Insurance Co. of China dated 1/1/1976. with extended cover up to Kuala Lumpur with claims payable in (at) Kuala Lumpur in the currency of draft (irrespective of percentage)作为可议付格式的海运保险单或凭证按照到岸价的发票金额110%投保中国人民保险公司1976年1月1日的战争险和基本险，负责到吉隆坡为止。按照汇票所使用的货币在吉隆坡赔付（无免赔率）
(19)insurance policy or certificate settling agent's name is to be indicated, any additional premium to cover uplift between 10 and 17% may be drawn in excess of the credit ualue保险单或凭证须表明理赔代理人的名称，保险费如增加10-17%可在本证金额以外支付
(20)insurance policy (certificate)… Name of Assured to be showed: A.B.C.Co. Ltd.保险单或凭证作成以A.B.C.有限公司为被保险人
(21)insurance policy or certificate covering W.A. (or F.P.A.) and war risks as per ocean marine cargo clause and ocean marine cargo war risk clauses of the People's Insurance Company of China dated 1/1/1981保险单或凭证根据中国人民保险公司1981年1月1日的海洋运输货物保险条款和海洋运输货物战争险条款投保水渍险（或平安险）和战争险
(22)insurance policy/certificate covering all war mines risks保险单/凭证投保一切险、战争险、地雷险（注：mines解释为地雷，属于战争险的负责范围，可以接受）
(23)W.A. this insurance must be valid for period of 60 days after the discharge of goods水渍险在货物卸船后60天有效
(24)in triplicate covering all risks and war risks including W.A. and breakage in excess of five per cent on the whole consignment and including W/W up to buyer's godown in Penang投保一切险和战争险包括水渍险，破碎损失有5%绝对免赔率，按全部货物计算，包括仓至仓条款，负责到买方在槟城的仓库为止（的保险单）一式三份
(25)insurance policy issued of endorsed to order… for the face value of invoice plus 10% covering including war with 15 days after arrival of goods at destination, only against FPA and T.P.N.D.按发票面值加10%投保战争险，货物到达目的地后15天有效，仅负责平安险和盗窃提货不着险的保险单开给或背书给……
(26)insurance policy or certificate issued by an insurance Co. with W.P.A. clause covering the merchandise for about 10% above the full invoice value including unlimited transhipment with claims payable at Singapore由保险公司签发的保险单或凭证按发票总金额另加10%投保水渍险，包括非限定转船的损失，在新加坡赔付
(27)covering all eventual risks投保一切以外风险
(28)covering all marine risks投保一切海运风险
(29)marine insurance policy including "both ot blame" collision clauses and fully covering the shipment海运保险单包括负责船舶互撞条款和全部货载
(30)insurance… including deviation clauses保险包括绕道条款
(31)covering overland transportation all risks as per overland transportation cargo insurance clauses (train, trucks) of the People's Insurance Company of China dated…按照中国人民保险公司×年×月×日陆上运输货物保险条款（火车、汽车）投保陆上运输一切险
(32)covering air transportation all risk as per air transportation cargo insurance clauses of P.I.C.C.按照中国人民保险公司×年×月×日航空运输货物保险条款投保航空运输一切险(33)insurance policy or certificate covering parcel post all risks including war risks as per parcel post insurance clauses and parcel post war risk insuracne clauses of the People's Insurance Company of China dated…保险单或凭证按照中国人民保险公司×年×月×日邮包保险条款和邮包战争险条款投保邮包一切险和邮包战争险
(34)covering all risks including war risks as per ocean marine cargo clauses and air transportation cargo insurance clauses and ocean marine cargo war risk clauses and air transportation cargo war risk clauses of the People's Insurance Company of China dated…按照中国人民保险公司×年×月×日海洋运输货物保险条款和航空运输货物保险条款以及海洋运输货物战争险条款和航空运输货物战争险条款投保海空联运一切险和战争险
(35)covering all risks as per ocean marine cargo clauses and overland transportation cargo insurance clause (train, truck) of P.I.C.C. dated…按照中国人民保险公司×年×月×日海洋运输货物保险条款和陆上运输货物保险条款（火车、汽车）投保海陆联运一切险
(36)covering all risks including war risks as per overland transportation cargo insurance clauses (train,truck) and air transportation cargo insurance clauses and air transportation cargo war risk clause and war clauses (for cargo transportation by rail) of the People's Insurance Company of China dated…按照中国人民保险公司×年×月×日陆运货物保险条款（火车、汽车）和空运货物保险条款以及空运货物战争险条款和铁路货运战争条款投保陆空陆联运一切险和战争险
(37)including shortage in weight in excess of 0.5%(with 0.5% franchise) on the whole consignment包括短量损失有0.5%绝对免赔率（0.5%相对免赔率），按全部货物计算
(38)including risk of breakage and clashing包括破裂或凹瘪险
(39)including risk of chipping & denting包括碎裂或凹弯险
(40)including risk of bad odour包括恶味险
(41)including damage by hooks, oils, muds and contact with other cargo(insured value)包括钩损、油污、泥污以及和他物接触所致的损失（以保险价值为限）
(42)including damage caused by rain fresh and/or water, internal combustion(total or partial loss)包括淡水雨淋，自燃所致的损失（包括全部或部分损失）
(43)including loss and/or damage caused by sea water, fresh-water, acid,grease包括海水、淡水、酸蚀、油脂所致的损失
(44)including T.P.N.D. loss and/or damage caused by heat, ship's sweat and odour, hoop-rust, breakage of packing包括偷窃提货不着，受热船舱发汗，串味，铁箍锈损，包装破裂所致的损失
(45)including damage caused by infestation mould包括虫蛀霉烂的损失
(46)including damage due to rough handling during transit subject to C.T.C.按照中国保险条款包括运输途中操作不当所致的损失
(47)including loss and/or damage from any external cause as per CIC按照中国保险条款包括外来原因所致的损失
(48)including damage by slings, stains, grease, acids包括吊具、斑污、油脂、酸蚀造成的损失
(49)excluding risk of breakage不包括破碎险
(50)including the breakage does not cover the goods remarked in th invoice as originally damage包括破碎险，但不负责发票所示之货物的原残损失
(51)excluding natural loss in weight不包括途耗短量的损失
(52)including 60 days after discharge of the goods at port of destination (or at station of destination) subject to C.T.C.按照中国保险条款货物在目的港卸船（或在目的地车站卸车）后60天为止
(53)including W.A. & risk of fire for 60 days in customs warehouse after discharge of the goods at port of destination subject to CIC按照中国保险条款投保水渍险和火险，在目的港卸货后存入海关仓库60天为止(54)this insurance must be valid for a period of 60 days after arrival of merchandise at inland destination本保险扩展到货物到达内地的目的地后60天有效
(55)insurance policy or certificate covering F.P.A. including the risk of war and risks of S.R.C.C. as per I.C.C. dated…and institute war clauses dated…and institute S.R.C.C. clauses dated…按照×年×月×日伦敦保险学会条款和×年×月×日学会战争险条款以及×年×月×日学会罢工、暴动、民变险条款投保平安险、战争险和罢工、暴动、民变险
(56)the People's Insurance Company of China investment insurance (political risks) clauses中国人民保险公司投资保险（政治风险）条款
(57)property insurance clauses财产保险条款
(58)the People's Insurance Company of China Erection all risks clauses中国人民保险公司安装工程一切险条款
(59)the People's Insurance Company of China contractors all risks clauses中国人民保险公司建筑工程一切险条款
Ambulatory Services 门诊服务
Ambulatory Surgery门诊手术
Appeals (上诉；会员要求保险机构重新考虑已否决的费用申报许可或决定的一项程序。
Authorization核淮
Benefit 福利
Benefit Period福利期
Brand Name Drug 原厂药
Certification 核淮证明
Claim 索赔
Coinsurance (共同保险||指会员在支付自付扣除金后，需按固定的百分比率，自付一部份医疗费用。例如，保险机构负责80%的认可支付额，余下的20%则由会员支付，该20%的金额即为「共同保险金」。
Coinsurance Maximum 最高共同保险费
Consolidated Omnibus Budget Reconciliation Act of 1985 是一项联邦法例，要求拥有员工人数20人或以上的雇主继续为合资格，但在某些情况下失去团体医疗保险的员工||及其受益人） 提供医疗保险福利。
Copayment 定额手续费或简称Copay
Covered Services 承保服务
Deductible 自付扣除金
Dependent 受供养者
Drug Formulary (处方药物表||由保险机构与药剂师及医生，共同划定的药剂产品列表，藉以在不影响素质的情况下，增加处方配药的效益。
Durable Medical Equipment (DME/长期使用的医疗器材||可循环使用、有医疗上需要，用作维持身体功能的医疗器材。DME需持续使用，非为个人舒适或方便而设。例子包括：用作氧气治疗的空气压缩机、助行架、姿势引流版。亦作 「医疗器材」
Effective Date 生效日期
Emergency Care 急诊护理
Enrollee 参加计划人
Expiration Date||截止日期
Generic Drug||副厂药
Health Maintenance Organization (HMO/管理式医疗保险机构||医疗福利计划的其中一类，会员需于与「管理式医疗保险机构」合约的医疗护理提供者处接受的医疗服务。
Home Health Care 居家护理
Indemnity 赔偿
In-Network 网络内
Inpatient 住院护理
Managed Care 管理式医疗护理
Medically Necessary 有医疗需要的
Member||会员
Network (网络；与保险机构签有合约，以合约价格为会员提供医疗护理的医生、诊所、医院，及其他医疗护理提供者。
Non-Participating Provider 非合约医疗护理提供者
Out-of-Pocket Maximum 自付最高金额
Outpatient 门诊服务
Outpatient Surgery 门诊手术
Participating Provider 合约医疗护理提供者
Plan Benefit Maximum 福利最高承保额
Preauthorization (事前核淮||在提供住院及非紧急门诊服务前，根据医疗需要及合适程度所作的一个事前覆检及评估程序。。
Pre-Existing Condition 已存在的医疗状况
Preferred Provider Organization (PPO/优惠医疗护理提供者机构||一项医疗福利计划，为鼓励会员使用指定「优惠医疗謢理提供者」
Prescription 处方配药单
Preventive Care 预防保健护理
Primary Care Physician 主治医生
Prior Authorization 预先核淮
Provider 医疗护理提供者
Provider Network 医疗护理提供者网络
Referral 转介
Service Area 承保范围
Subscriber 投保人
Urgent Care 紧急护理 |
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2010/3/24 9:01:00
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