个人保险英文解释翻译、个人保险的近义词、反义词、例句

英语翻译：

【经】 personal insurance; personal risk

分词翻译：

人的英语翻译：

human; fellow; human being; individual; man; people; person; soul
【医】 anthropo-; homme; man

保险的英语翻译：

assurance; insurance; insure; safety
【计】 guarding
【医】 insurance
【经】 assurance; insurance; insure; safety

专业解析

Personal insurance, known as "个人保险" (gèrén bǎoxiǎn) in Chinese, refers to contractual arrangements where an individual pays premiums to an insurance company in exchange for financial protection against specified risks. This risk management tool operates on the principle of indemnity or benefit payment upon occurrence of predetermined events such as death, disability, or property damage.

The Insurance Association of China categorizes personal insurance into four primary types:

Life Insurance (人寿保险): Provides lump-sum payments to beneficiaries upon policyholder's death or maturity date.
Health Insurance (健康保险): Covers medical expenses and income loss from illnesses or injuries, including critical illness coverage.
Accident Insurance (意外伤害保险): Offers compensation for disability or death resulting from accidental causes.
Property Insurance (财产保险): Protects personal assets like homes and vehicles against damage or theft.

According to China Banking and Insurance Regulatory Commission guidelines, these contracts must contain three essential elements: insurable interest at policy inception, measurable risk probability, and clearly defined coverage terms. Premium calculations follow actuarial principles using the formula:

$$ P = A times frac{v^n}{1 - v^n} $$

Where ( P ) represents premium, ( A ) denotes sum assured, and ( v^n ) is the discount factor based on interest rates and policy duration.

The China Insurance Dictionary emphasizes that personal insurance serves dual functions: risk transfer through pooled funds and long-term savings vehicle through cash value accumulation in certain life policies. Policyholders should carefully review exclusion clauses regarding pre-existing conditions or high-risk activities specified in standard contracts.

网络扩展解释

个人保险（又称个险）是指以个人为承保单位，为满足个人或家庭在人身、财产等方面的风险保障需求而设计的保险产品。以下是综合多个权威来源的详细解释：

一、核心定义

承保对象：由具有民事行为能力的自然人作为投保人，针对单一个体提供保障。
保障范围：覆盖人身风险（如疾病、意外、身故）和财产风险（如车辆、房屋损失）。

二、主要特点

个性化定制：根据个人年龄、职业、健康状况等评估风险并设计保单。
稳定性强：保障不会因投保人离职或团体解散而终止。
核保严格：需对个人风险进行详细评估，确保公平性和保险公司偿付能力。

三、与团体保险的区别

维度	个人保险	团体保险
投保主体	自然人	企事业单位、社会组织等
合同形式	单一被保险人对应一份合同	一份合同覆盖团体成员
费率计算	基于个人风险评估	基于团体整体风险

四、主要险种类型

人身保障类：如人寿保险（身故赔付）、健康保险（医疗费用报销）、意外险（伤残/身故补偿）。
财产保障类：如车险、家庭财产险。

五、社会意义

通过风险转移机制，帮助个人和家庭应对突发经济损失，维持财务稳定，同时减轻社会救济压力。

如需更详细险种案例或投保建议，可参考来源（和讯网）、（风险分析专文）。