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ID:43703248
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页数:60页
时间:2019-10-13
《商务英语阅读(下册)(第二版)unit9保险》由会员上传分享,免费在线阅读,更多相关内容在教育资源-天天文库。
1、UnitNineTeachingObjectives了解保险的定义和主要分类了解中国保险业现状掌握有关保险的术语TeachingEmphasesinsurancepolicypremiuminsurancecoverageinsurableinterestsubjectmatterContentTextFastReadingIFastReadingIITEXTGeneralIntroductiontoInsurancePre-readingquestions1.Howisinsurancerelatedtoeachindiv
2、idual?2.WhatisthestatusquoofinsuranceindustryinChina?UPPREV.NEXTInsuranceisdefinedasapromiseofcompensationforspecificpotentialfuturelossesinexchangeforaperiodicpayment.Thegoalofinsuranceistoprotectthefinancialwell-beingofanindividual,companyorotherentityinthecaseof
3、unexpectedlossfromdeath,accidents,sicknesses,damagetoproperty,andinjurycausedtoothers..Theinsuredandtheinsurercreateacontractbyagreeingtothetermsofaninsurancepolicy.Thiscontractiscalledapolicyandthepurchaseroftheinsuranceiscalledapolicyholder,alsocalledtheownerofth
4、einsurancepolicy.Insurancepremiumisasumofmoneyascertainedaccordingtothevalueofthepropertyinsuredandthescopeoftheinsurancecoveragedesired.Inexchangeforpaymentsfromtheinsured,theinsureragreestopaythepolicyholderasumofmoneyupontheoccurrenceofaspecificevent.Inmostcases
5、,thepolicyholderpayspartoftheloss(calledthedeductible),andtheinsurerpaystherest.Coverageisanotherwordforinsurance.Insurersusethetermcoveragetomeaneitherthecurrencyamountsofinsurancepurchased(e.g.$20,000ofliabilitycoverage)orthetypeoflosscovered(e.g.coverageoftheft)
6、.Oneimportantpointisthattheclientmusthaveaninsurableinterest.Aninsurancecontractislegallybindingonlyiftheinsuredhasaninterestinthesubjectmatteroftheinsuranceandthisinterestisinfactinsurable.Inmostcases,aninsurableinterestexistsonlyiftheinsuredwouldsufferafinanciall
7、ossintheeventofdamageto,ordestructionof,thesubjectmatteroftheinsurance.Theinsuranceindustryiscomprisedofvarioustypesoforganizationsrangingfromrelativelysmallregionalcompaniestogiantinternationalfinancialpowerhouses.Mostinsuranceisprovidedbycorporations.Theymaybepri
8、vatelyowned,partoflargeorganizations,orpubliclytradedonnationalstockexchanges.Someareownedbypolicyholdersthemselves.Othersareownedbygovernment.In
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