個人保險英文解釋翻譯、個人保險的近義詞、反義詞、例句

英語翻譯：

【經】 personal insurance; personal risk

分詞翻譯：

人的英語翻譯：

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

保險的英語翻譯：

assurance; insurance; insure; safety
【計】 guarding
【醫】 insurance
【經】 assurance; insurance; insure; safety

專業解析

Personal insurance, known as "個人保險" (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 (人壽保險): Provides lump-sum payments to beneficiaries upon policyholder's death or maturity date.
Health Insurance (健康保險): Covers medical expenses and income loss from illnesses or injuries, including critical illness coverage.
Accident Insurance (意外傷害保險): Offers compensation for disability or death resulting from accidental causes.
Property Insurance (財産保險): 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.

網絡擴展解釋

個人保險（又稱個險）是指以個人為承保單位，為滿足個人或家庭在人身、財産等方面的風險保障需求而設計的保險産品。以下是綜合多個權威來源的詳細解釋：

一、核心定義

承保對象：由具有民事行為能力的自然人作為投保人，針對單一個體提供保障。
保障範圍：覆蓋人身風險（如疾病、意外、身故）和財産風險（如車輛、房屋損失）。

二、主要特點

個性化定制：根據個人年齡、職業、健康狀況等評估風險并設計保單。
穩定性強：保障不會因投保人離職或團體解散而終止。
核保嚴格：需對個人風險進行詳細評估，确保公平性和保險公司償付能力。

三、與團體保險的區别

維度	個人保險	團體保險
投保主體	自然人	企事業單位、社會組織等
合同形式	單一被保險人對應一份合同	一份合同覆蓋團體成員
費率計算	基于個人風險評估	基于團體整體風險

四、主要險種類型

人身保障類：如人壽保險（身故賠付）、健康保險（醫療費用報銷）、意外險（傷殘/身故補償）。
財産保障類：如車險、家庭財産險。

五、社會意義

通過風險轉移機制，幫助個人和家庭應對突發經濟損失，維持財務穩定，同時減輕社會救濟壓力。

如需更詳細險種案例或投保建議，可參考來源（和訊網）、（風險分析專文）。