商业保险的英文句型PPT教学课件
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商务英语听说PPT unit 9 Insurance
Starting-up
Thefollowing are logos of world-famous insurance companies.Please write out the names ofthecompanies respectively according to their logos.
4.Q: Which is the name of the insurance company of China?
A: OMCC B: TPND C: INCOTERMS D: PICC
5.Q: Which of the following characteristics is NOT mentioned by Miss Sydney?
Unit 9Insurance
Unit GoalsLiΒιβλιοθήκη teningSpeaking
1.Description oftypes, coverage and amount of insurance,andinsurance stipulations
2. respective insurance coverage applicable to different marine perils
6.You can claim for thewith the underwriter.
7.Ifthegoods are sold on CIF terms,theseller will befor the insurance.
8.Thepurpose of insurance is to providefor those who suffer from loss or danger that may be incurred.
Thefollowing are logos of world-famous insurance companies.Please write out the names ofthecompanies respectively according to their logos.
4.Q: Which is the name of the insurance company of China?
A: OMCC B: TPND C: INCOTERMS D: PICC
5.Q: Which of the following characteristics is NOT mentioned by Miss Sydney?
Unit 9Insurance
Unit GoalsLiΒιβλιοθήκη teningSpeaking
1.Description oftypes, coverage and amount of insurance,andinsurance stipulations
2. respective insurance coverage applicable to different marine perils
6.You can claim for thewith the underwriter.
7.Ifthegoods are sold on CIF terms,theseller will befor the insurance.
8.Thepurpose of insurance is to providefor those who suffer from loss or danger that may be incurred.
外贸英语 保险(ppt课件)
学习交流课件
4
❖ insurance free of (from) particular average (FPA). 平安险（单独海损不赔）
insurance with particular average (WPA), basic risks. insurance against all risks. 综合 险，应保一切险 risk of breakage 破碎险 risk of clashing 碰损险 risk of rust 生锈险 risk of hook damage 钩损险
Байду номын сангаас
学习交流课件
5
❖ risk of contamination (tainting) 污染险 insurance against total loss only (TLO) 全损险 risk of deterioration 变质险 risk of packing breakage 包装破裂险 risk of inherent vice 内在缺陷险 risk of normal loss (natural loss)? 途耗或自然损耗 险 risk of spontaneous combustion 自然险 risk of contingent import duty 进口关税险 insurance against war risk 战争险 Air Transportation Cargo War Risk 航空运输战争险 overland Transportation Insurance War Risk 陆上 运输战争险
外贸英语
保险
学习交流课件
1
Words and Phrases
❖ insure 保险；投保；保证 insurance 保险；保险费；保险金额 underwriters 保险商（指专保水险的保险商）保险 承运人 insurance company 保险公司 insurer 保险人 insurance broker 保险经纪人 insurance underwriter 保险承保人 insurance applicant 投保人 insurant, the insured 被保险人，受保人
Section 17 保险事项Insurance 商务英语 教学课件
• Sometimes you have to follow the suggestions of your insurance agent as his suggestions can really save money on current premiums and future costs. If you find the insurance process to be too time consuming or confusing, consider hiring an insurance agent. A good insurance agent will take all of these matters into consideration.
• 4. 请注意上述货物须在6月15日前装运，并 按发票金额150%投保综合险。我们知道按 一般惯例，你们只按发票金额110%投保， 因此额外保险费将由我们负担。
• 4. 请注意上述货物须在6月15日前装运，并 按发票金额150%投保综合险。我们知道按 一般惯例，你们只按发票金额110%投保，因 此额外保险费将由我们负担。
• Please see to it that the above-mentioned goods are to be shipped before 15th June and insured against All Risks for 150% of the invoice value. We know that according to your usual practice, you insure the goods only for 110% of the invoice value; therefore, the extra premium will be borne by us.
• 4. 请注意上述货物须在6月15日前装运，并 按发票金额150%投保综合险。我们知道按 一般惯例，你们只按发票金额110%投保， 因此额外保险费将由我们负担。
• 4. 请注意上述货物须在6月15日前装运，并 按发票金额150%投保综合险。我们知道按 一般惯例，你们只按发票金额110%投保，因 此额外保险费将由我们负担。
• Please see to it that the above-mentioned goods are to be shipped before 15th June and insured against All Risks for 150% of the invoice value. We know that according to your usual practice, you insure the goods only for 110% of the invoice value; therefore, the extra premium will be borne by us.
商务英语 保险类
Insurance保险Insurance is a key issue in international trade. The transportation of goods from the seller to the buyer is generally over a long distance and it has to go through the procedure of transit, loading and unloading, storage, etc. These goods, both being imported and exported, are subject to damage or loss. So it is customary to insure the goods against risks of collision,leakage, pilferage, fire and storm, etc.The purpose of insurance is to provide compensation for those who suffer from loss or danger that may be icurred. Cargo insurance is now an indispensable part to the import and export practice. So it will make plain in a contract as to who will cover the insurance and bear the expenses.’买卖双方签订合同后，出口商备货装运。
在货物到达买方之前，可能牵涉到的环节是：买房将包装、装运要求发给卖方；买方催促装运，要求卖方提前或准时装运；卖方发出装船通知；卖方通知买方投保等。
不管是哪一种情况，一般在开头部分都会提及交易中的商品，再就具体情况提出自己的要求。
商业保险的英文句型课件
5
Chapter Nine Translate the sentences:
1. 除非另行通知，我们将按发票金额的110%投 保一切险和战争险。 Unless otherwise instructed, we shall cover insurance against All Risks and War Risk for 110% of the invoice value. 2. 如你方希望将货物投保综合险，我们可以代 为投保，但保险费稍高，保费差额由你方负担。 If you desire to insure your goods against All Risks, we can provide such coverage, but at a slightly higher premium, the difference of which will be for your account.
4
Chapter Nine 表示投保to effect/cover/arrange/provide/take out insurance 注意：FPA和WPA前不用against 1. 请按合同投保平安险和战争险。 Please insure FPA and against War Risk according to the contract. 2. 我们将按惯例投保水渍险和战争险。 We shall cover WPA and against War Risk according to the usual practice.
3
Chapter Nine
保险的基本句型：
To effect insurance on sth.(货物) for (保险 金额) against (险种) with (保险公司) E.g. 请为我们1200台IBM 电脑按发票金额 110%向中国人民保险公司投保一切险和战 争险。 Please effect insurance on the 1200 IBM computers for 110% of the invoice value against All Risks and War Risk with the People’s Insurance Company.
Chapter Nine Translate the sentences:
1. 除非另行通知，我们将按发票金额的110%投 保一切险和战争险。 Unless otherwise instructed, we shall cover insurance against All Risks and War Risk for 110% of the invoice value. 2. 如你方希望将货物投保综合险，我们可以代 为投保，但保险费稍高，保费差额由你方负担。 If you desire to insure your goods against All Risks, we can provide such coverage, but at a slightly higher premium, the difference of which will be for your account.
4
Chapter Nine 表示投保to effect/cover/arrange/provide/take out insurance 注意：FPA和WPA前不用against 1. 请按合同投保平安险和战争险。 Please insure FPA and against War Risk according to the contract. 2. 我们将按惯例投保水渍险和战争险。 We shall cover WPA and against War Risk according to the usual practice.
3
Chapter Nine
保险的基本句型：
To effect insurance on sth.(货物) for (保险 金额) against (险种) with (保险公司) E.g. 请为我们1200台IBM 电脑按发票金额 110%向中国人民保险公司投保一切险和战 争险。 Please effect insurance on the 1200 IBM computers for 110% of the invoice value against All Risks and War Risk with the People’s Insurance Company.
商业保险(PPT48页)
27
终身寿险的性质 作为生死两全和定期寿险：100岁终止年龄，现金 价值 死亡费用预积累，现金价值表，退保现金价值和 保单贷款 分红型保单，红利说明表，贡献原则，普通终身 寿险与限期缴费终身寿险
28
终身寿险的种类 普通寿险:终身缴费，保费低；分红与非分红型保费 有差异（表5-1）；新货币利率机制与投资组合平 均法，普通寿险与定期寿险组合；红利：提现、保 费消失、抵缴保费、增额缴清；保费储蓄附加条款 与储蓄账户；表5-2；保险需求超过15年 限期缴费终身寿险：缴清保单，期满保单，到期保 单 现金价值比较：趸缴≥短期≥长期≥普通
8
1.2人寿与健康保险市场经济学观 察
竞争性与保险市场失灵（market failures)
竞争性保险市场的条件（P8-16）
大量买者和卖者（无共谋行为，
比如价格卡特尔）
低进入壁垒（营业执照、最低资
本要求、规模和范围经济）
低异质性产品（价格歧视、差异
化竞争）
无外部性与公共品属性（正外部
性、系统风险）
型（家庭收费服务，家庭保单，少儿保险，预备丧 葬）
30
多生命寿险：生存者寿险（第二生命寿险），分离 选择权；联合寿险（第一生命寿险），同时死亡付 双份保险金，还有定期和万能型第一生命寿险
31
第六章 万能寿险保单
精算理论与展业实践 特点与性质 产品设计 运用与限制
32
精算理论：Spurgeon、Jordan现金价值计算回溯 法；Ken. E. Polk万能寿险全部精算公式
一般特点：可续保性，可转换性，重新加入性 （reentry)
看涨期权（call option):成因与定价
实际年龄转换与初始年龄转换
选择生命表，终极生命表，综合生命表
终身寿险的性质 作为生死两全和定期寿险：100岁终止年龄，现金 价值 死亡费用预积累，现金价值表，退保现金价值和 保单贷款 分红型保单，红利说明表，贡献原则，普通终身 寿险与限期缴费终身寿险
28
终身寿险的种类 普通寿险:终身缴费，保费低；分红与非分红型保费 有差异（表5-1）；新货币利率机制与投资组合平 均法，普通寿险与定期寿险组合；红利：提现、保 费消失、抵缴保费、增额缴清；保费储蓄附加条款 与储蓄账户；表5-2；保险需求超过15年 限期缴费终身寿险：缴清保单，期满保单，到期保 单 现金价值比较：趸缴≥短期≥长期≥普通
8
1.2人寿与健康保险市场经济学观 察
竞争性与保险市场失灵（market failures)
竞争性保险市场的条件（P8-16）
大量买者和卖者（无共谋行为，
比如价格卡特尔）
低进入壁垒（营业执照、最低资
本要求、规模和范围经济）
低异质性产品（价格歧视、差异
化竞争）
无外部性与公共品属性（正外部
性、系统风险）
型（家庭收费服务，家庭保单，少儿保险，预备丧 葬）
30
多生命寿险：生存者寿险（第二生命寿险），分离 选择权；联合寿险（第一生命寿险），同时死亡付 双份保险金，还有定期和万能型第一生命寿险
31
第六章 万能寿险保单
精算理论与展业实践 特点与性质 产品设计 运用与限制
32
精算理论：Spurgeon、Jordan现金价值计算回溯 法；Ken. E. Polk万能寿险全部精算公式
一般特点：可续保性，可转换性，重新加入性 （reentry)
看涨期权（call option):成因与定价
实际年龄转换与初始年龄转换
选择生命表，终极生命表，综合生命表
商务英语课件
6. To insure…with… 向…投保…
• 由卖方按发票金额110%向中国人民保 险公司投保一切险。 • Insurance is to be effected by the sellers against All Risks FOR 110% of the invoice value with the People’s Insurance Company of China.
• • Re: Inquiring about Insurance Information • We shall have a consignment of 5,000 Stereo Sets assembled here in Shanghai Electronic Factory with components and auxiliary materials supplied by Adlar Electronics Inc. Hongkong, valued at US $XXX, to be shipped from Shanghai China to XXX (Rotterdam) and wish to have this consignment to be insured by your Company. Therefore we are writing to enquire about the terms and conditions of different kinds of insurance. • We would appreciate your sending us all of your information and quoting us your present insurance rates for different kinds of insurance at your earliest convenience. • Truly yours,
英语商务函电PPT-Unit12 Insurance
• •
保险条款 The PICC has its own insurance clauses, known as China insurance clauses (CIC), which is different from the Institute Cargo Clauses (ICC).
• The principal perils which the basic marine policy of the PICC insures against under its Ocean Marine Cargo Clauses are:
Ⅲ. Teaching contents:
• Import and export cargoes are subject to damage or loss incurred by a variety of risks in the course of transit, loading and unloading, storage, etc.
• 保险的目的是使其货物遭受损失或损坏者 得到赔偿。换句话说，它是一种赔偿契约， 给某人赔偿遭受损失的全部金额或按特定 百分比赔偿所损失的一部分金额。
• A contract of insurance, which is generally made in the form of an insurance policy, is one • between a party who agrees to accept the risk (the insurer) • and a party seeking protection from the risk (the insured).
• In return for payment of a premium, the insurer agrees to pay the insured a stated sum (or a proportion of it) should the event insured against occur. The premium, being the name given to the sum of money, paid by the insured, is quoted as a percentage of the sum insured.
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policy ❖ 9. an open policy
❖ 1. 一切险/综合险 ❖ 2. 特惠保率 ❖ 3. 申报金额 ❖ 4. 发票金额 ❖ 5. 保险金额/费 ❖ 6. 理赔/解决索赔 ❖ 7. 中国人民保险公司
7
Chapter Nine Answers to the above:
❖ 1. 投保 ❖ 2. 保险范围 ❖ 3. 平安险 ❖ 4. 水渍险 ❖ 5. 偷窃提货不着险 ❖ 6. 额外保费 ❖ 7. 保险费率 ❖ 8. 开出保单 ❖ 9. 预约保单
Chapter Nine
Kinds Biblioteka f Risks:❖ Perils of the Sea: ❖ 1. natural calamity ❖ 2. fortuitous accidents ❖ Extraneous Risks: ❖ 1. general extraneous risks ❖ 2. special extraneous risks
3
Chapter Nine
保险的基本句型：
❖ To effect insurance on sth.(货物) for (保险 金额) against (险种) with (保险公司)
❖ E.g. 请为我们1200台IBM 电脑按发票金额 110%向中国人民保险公司投保一切险和战 争险。
❖ Please effect insurance on the 1200 IBM computers for 110% of the invoice value against All Risks and War Risk with the People’s Insurance Company.
Insurance:
❖ FPA: cover total loss and general average
❖ WPA: cover FPA and particular average
❖
(total loss and partial loss)
❖ All risks: cover WPA and damage from sea perils (natural calamity and fortuitous accidents) or general external causes.
4
Chapter Nine 表示投保、办理保险可用：
❖ to insure ❖ to effect/cover/arrange/provide/take out
insurance ❖ 注意：FPA和WPA前不用against ❖ 1. 请按合同投保平安险和战争险。 ❖ Please insure FPA and against War Risk
8
Chapter Nine Homework:
❖ Translation: ❖ 关于你方售货合同123号的三千桶铁钉，现通
知你方，我们已由伦敦中国银行开立了保兑的、 不可撤销的信用证973号，计金额5,000英镑， 有效期至5月15日止。 ❖ 请注意上述货物必须在4月30日前装出，保险 必须按发票金额的150%投保一切险。我们知道， 按照你们的一般惯例，你们只按发票金额另加 10%投保，因此额外保险费由我们负担。 ❖ 请按我们的要求办理保险，同时我们等候你 方的装船通知。
9
PPT教学课件
谢谢观看
Thank You For Watching
1
Chapter Nine
Average:
❖ Total Loss: ❖ 1. actual total loss ❖ 2. constructive total loss ❖ Partial Loss: ❖ 1. particular average ❖ 2. general average
2
Chapter Nine
❖ 1. All Risks ❖ 2. a special rate ❖ 3. declared value ❖ 4. invoice value ❖ 5. insurance amount/ ❖ premium ❖ 6. settle a claim ❖ 7.The People’s
Insurance Company of China
❖ 2. 如你方希望将货物投保综合险，我们可以代 为投保，但保险费稍高，保费差额由你方负担。
❖ If you desire to insure your goods against All Risks, we can provide such coverage, but at a slightly higher premium, the difference of which will be for your account.
according to the contract. ❖ 2. 我们将按惯例投保水渍险和战争险。 ❖ We shall cover WPA and against War Risk
according to the usual practice.
5
Chapter Nine
Translate the sentences:
6
Chapter Nine
Translate the following:
❖ 1. cover insurance ❖ 2. coverage ❖ 3. FPA ❖ 4. WPA ❖ 5. TPND ❖ 6. extra premium ❖ 7. insurance rate ❖ 8. issue an insurance
❖ 1. 除非另行通知，我们将按发票金额的110%投 保一切险和战争险。
❖ Unless otherwise instructed, we shall cover insurance against All Risks and War Risk for 110% of the invoice value.
❖ 1. 一切险/综合险 ❖ 2. 特惠保率 ❖ 3. 申报金额 ❖ 4. 发票金额 ❖ 5. 保险金额/费 ❖ 6. 理赔/解决索赔 ❖ 7. 中国人民保险公司
7
Chapter Nine Answers to the above:
❖ 1. 投保 ❖ 2. 保险范围 ❖ 3. 平安险 ❖ 4. 水渍险 ❖ 5. 偷窃提货不着险 ❖ 6. 额外保费 ❖ 7. 保险费率 ❖ 8. 开出保单 ❖ 9. 预约保单
Chapter Nine
Kinds Biblioteka f Risks:❖ Perils of the Sea: ❖ 1. natural calamity ❖ 2. fortuitous accidents ❖ Extraneous Risks: ❖ 1. general extraneous risks ❖ 2. special extraneous risks
3
Chapter Nine
保险的基本句型：
❖ To effect insurance on sth.(货物) for (保险 金额) against (险种) with (保险公司)
❖ E.g. 请为我们1200台IBM 电脑按发票金额 110%向中国人民保险公司投保一切险和战 争险。
❖ Please effect insurance on the 1200 IBM computers for 110% of the invoice value against All Risks and War Risk with the People’s Insurance Company.
Insurance:
❖ FPA: cover total loss and general average
❖ WPA: cover FPA and particular average
❖
(total loss and partial loss)
❖ All risks: cover WPA and damage from sea perils (natural calamity and fortuitous accidents) or general external causes.
4
Chapter Nine 表示投保、办理保险可用：
❖ to insure ❖ to effect/cover/arrange/provide/take out
insurance ❖ 注意：FPA和WPA前不用against ❖ 1. 请按合同投保平安险和战争险。 ❖ Please insure FPA and against War Risk
8
Chapter Nine Homework:
❖ Translation: ❖ 关于你方售货合同123号的三千桶铁钉，现通
知你方，我们已由伦敦中国银行开立了保兑的、 不可撤销的信用证973号，计金额5,000英镑， 有效期至5月15日止。 ❖ 请注意上述货物必须在4月30日前装出，保险 必须按发票金额的150%投保一切险。我们知道， 按照你们的一般惯例，你们只按发票金额另加 10%投保，因此额外保险费由我们负担。 ❖ 请按我们的要求办理保险，同时我们等候你 方的装船通知。
9
PPT教学课件
谢谢观看
Thank You For Watching
1
Chapter Nine
Average:
❖ Total Loss: ❖ 1. actual total loss ❖ 2. constructive total loss ❖ Partial Loss: ❖ 1. particular average ❖ 2. general average
2
Chapter Nine
❖ 1. All Risks ❖ 2. a special rate ❖ 3. declared value ❖ 4. invoice value ❖ 5. insurance amount/ ❖ premium ❖ 6. settle a claim ❖ 7.The People’s
Insurance Company of China
❖ 2. 如你方希望将货物投保综合险，我们可以代 为投保，但保险费稍高，保费差额由你方负担。
❖ If you desire to insure your goods against All Risks, we can provide such coverage, but at a slightly higher premium, the difference of which will be for your account.
according to the contract. ❖ 2. 我们将按惯例投保水渍险和战争险。 ❖ We shall cover WPA and against War Risk
according to the usual practice.
5
Chapter Nine
Translate the sentences:
6
Chapter Nine
Translate the following:
❖ 1. cover insurance ❖ 2. coverage ❖ 3. FPA ❖ 4. WPA ❖ 5. TPND ❖ 6. extra premium ❖ 7. insurance rate ❖ 8. issue an insurance
❖ 1. 除非另行通知，我们将按发票金额的110%投 保一切险和战争险。
❖ Unless otherwise instructed, we shall cover insurance against All Risks and War Risk for 110% of the invoice value.