保险是一种风险管理工具，旨在通过分摊风险来帮助个人或企业应对可能出现的意外事件或损失。它是由投保人支付保险费用（保费）给保险公司，保险公司则承诺在发生特定风险事件时，提供经济赔偿或服务。
保险的基本原理是通过大多数人的小额保费来为少数发生意外或损失的人提供资金支持。常见的保险种类包括：人寿保险、健康保险、车险、财产保险和责任保险等。不同类型的保险覆盖不同的风险，例如，健康保险可以赔偿因疾病或意外导致的医疗费用，车险则主要是对汽车事故或损失提供保障。
Insurance - Insurance is the agreement that provides financial protection against risks.
Example: "She bought health insurance to cover her medical expenses."
中文: "她购买了健康保险以覆盖她的医疗费用。"
Policy - The contract between the insurer and the insured outlining coverage and terms.
Example: "He signed an insurance policy to protect his car."
中文: "他签署了一份保险单来保护他的汽车。"
Premium - The amount paid for an insurance policy.
Example: "The premium for his life insurance is paid annually."
中文: "他的寿险保费是每年支付的。"
Claim - A request for payment made by the insured to the insurer for covered losses.
Example: "She filed a claim for the damages to her house after the storm."
中文: "暴风雨后，她申请了赔偿她房屋的损失。"
Coverage - The extent of protection provided by an insurance policy.
Example: "This car insurance offers full coverage for theft and accidents."
中文: "这份汽车保险提供全面的盗窃和事故保障。"
Underwriting - The process of evaluating and accepting risks for insurance policies.
Example: "The underwriting process includes evaluating the applicant’s health and lifestyle."
中文: "承保过程包括评估申请人的健康和生活方式。"
Exclusion - A clause in an insurance policy that denies coverage for certain risks or events.
Example: "The policy has an exclusion for pre-existing conditions."
中文: "该保单对已有病症设有排除条款。"
Beneficiary - A person designated to receive the benefit from an insurance policy.
Example: "His wife is the beneficiary of his life insurance policy."
中文: "他的妻子是他的寿险受益人。"
Deductible - The amount the insured must pay out-of-pocket before the insurer starts covering expenses.
Example: "The deductible for this health insurance plan is \$500."
中文: "该健康保险计划的免赔额为500美元。"
Indemnity - Compensation for damage or loss as stipulated in an insurance policy.
Example: "The indemnity payment covered the repair costs of the vehicle."
中文: "赔偿金覆盖了车辆的修理费用。"
Risk - The possibility of loss or damage covered by insurance.
Example: "The insurance company evaluates the risk before issuing a policy."
中文: "保险公司在签发保单前评估风险。"
Insured - The person or entity covered by an insurance policy.
Example: "The insured vehicle was damaged in the accident."
中文: "被保险车辆在事故中受损。"
Insurer - The company or entity providing the insurance coverage.
Example: "The insurer agreed to pay for the repairs."
中文: "保险公司同意支付修理费用。"
Risk Pool - The collection of risks shared by all policyholders in an insurance program.
Example: "Insurance premiums are calculated based on the risk pool."
中文: "保险费是根据风险池计算的。"
Reinsurance - Insurance purchased by an insurance company to mitigate its own risk.
Example: "The insurer purchased reinsurance to protect itself against large claims."
中文: "保险公司购买了再保险以防止大额索赔。"
Actuary - A professional who analyzes financial risk and determines insurance premiums.
Example: "The actuary used statistical data to set the premium rates."
中文: "精算师使用统计数据来设定保费率。"
Term - The duration for which an insurance policy is valid.
Example: "The term of the policy is one year."
中文: "该保单的有效期为一年。"
Subrogation - The process by which an insurance company seeks reimbursement from a third party for a claim it has paid.
Example: "The insurance company pursued subrogation against the driver who caused the accident."
中文: "保险公司追索对造成事故的司机进行代位求偿。"
Policyholder - The person who owns the insurance policy.
Example: "The policyholder must notify the insurer about any major changes in their life."
中文: "保单持有人必须在生活中有重大变化时通知保险公司。"
Whole Life Insurance - A type of life insurance that provides coverage for the insured's entire life and includes a savings component.
Example: "He invested in whole life insurance to ensure his family's financial security."
中文: "他投资了终身寿险，以确保家人的财务安全。"
Insurance is a vital financial tool that provides protection against various risks and uncertainties. It works by transferring the risk of a potential loss to an insurer in exchange for a premium. Individuals and businesses buy insurance to ensure that in case of accidents, illnesses, or property damage, they will receive compensation or coverage for the losses incurred. There are various types of insurance available, including life insurance, health insurance, auto insurance, and home insurance, each catering to specific needs.
Life insurance offers financial protection to the policyholder's family in case of their death, ensuring that they are not left with financial burdens. Health insurance helps individuals cover medical expenses, which can otherwise be overwhelming. Auto insurance protects against financial losses due to accidents or vehicle damage, while home insurance covers damage or theft of property. The importance of insurance lies in its ability to reduce financial uncertainty, helping individuals and businesses to recover and continue their operations after unexpected events.
In summary, insurance plays an essential role in modern society by providing a safety net in times of need. With the increasing risks in daily life, insurance is no longer a luxury but a necessity. People are encouraged to invest in the right type of insurance to protect themselves, their families, and their assets.
保险是一个重要的金融工具，为人们提供了应对各种风险和不确定性的保护。它通过将潜在损失的风险转移给保险公司，换取保费来实现保护。个人和企业购买保险，以确保在发生事故、疾病或财产损失时，能够获得赔偿或保障。保险有很多种类，包括寿险、健康保险、汽车保险和房屋保险，每种保险都满足特定的需求。
寿险为投保人去世后留下的家人提供经济保障，确保他们不会面临财务负担。健康保险帮助个人覆盖医疗费用，否则这些费用可能会让人不堪重负。汽车保险保护车主免受事故或车辆损坏带来的经济损失，而房屋保险则保障财产免受损坏或盗窃。保险的重要性在于它能够减少经济不确定性，帮助个人和企业在遭遇意外事件后恢复并继续运营。
总之，保险在现代社会中扮演着至关重要的角色，为人们提供了在需要时的安全保障。随着日常生活中风险的增加，保险不再是奢侈品，而是必需品。人们被鼓励根据自己的需求选择合适的保险类型，以保护自己、家人以及资产免受意外事件带来的影响。通过正确的保险规划，个人和家庭可以在遭遇风险时获得必要的经济支持，帮助他们渡过难关。
❶ 我们可以办理海运、陆运和空运的各种保险。We can cover all kinds of risks for transportation by sea, land and air.
同类表达 I'm looking for insurance from your company. 我是到贵公司来投保的。
❷ 货物装船后，你最好找保险公司为货物投保。After loading the goods on board the ship, you'd better go to the insurance company to have them insured.
同类表达 I'll have the goods covered against Free From Particular Average. 我要为货物投平安保险。
❸ 我所投的是渗漏保险。What I have covered is Leakage.
同类表达 I'd like to cover the goods against All Risks. 我想为这批货物投综合保险。
❹ 保险的起讫期限有多长？How long is the period from the commencement to termination of the insurance?
同类表达 How long is the validity term of insurance responsibility? 保险责任有效期有多久？
❺ 只要是在保险责任范围内，保险公司就应负责赔偿。The insurance company is responsible for the claim as far as it is within the scope of cover.
同类表达 They will undertake to compensate you for the losses according to the risks insured. 他们将根据你所投保的险别，对损失负责赔偿。
❻ 保险费是根据投保险别的保险费率计算的。The premium is calculated according to the premium rate for risks to be covered.
❼ 这些险别适合你要投保的货物。These kinds of risks suit your consignment.
❽ 如你想投保特殊险别，将向你收取额外的保险费。If you desire us to insure against a special risk, an extra premium will have to be charged.
同类表达 As a rule, the extra premium involved will be for buyer's account. 按常规，额外保险费应由买方负担。
❾ 该险别的保险费是0.3％。This risk is coverable at a premium of 0.3％.
同类表达 What is the insurance premium? 保险费是多少？
❿ 贵公司能为我的这批货保哪些险呢？What kind of insurance can you provide for my consignment?
同类表达 It's better for you to read the leaflet, and then make a decision. 你最好先看看说明书，再决定保什么险。