了解保险中的再保险和重复保险

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再保险,英文表达为reinsurance,亦称“分保”。保险人在原保险合同的基础上,通过签订分保合同,将其所承保的部分风险和责任向其他保险人进行保险的行为。再保险的基础是原保险,再保险的产生,正是基于原保险人经营中分散风险的需要。

在再保险交易中,分出业务的公司称为原保险人(Original insurer)或分出公司(Ceding company),接受业务的公司称为再保险人(Reinsurer),或分保接受人或分入公司(Ceded company)。

Reinsurance treaty 再保险条约

Facultative reinsurance 临时再保险

Obligatory reinsurance 义务再保险

Agreement of reinsurance 再保险协议

Agreement on reinsurance 分保协议;分保合同

proportional reinsurance 比例再保险


重复保险,英文表达为multiple insurance/overlapping insurance/concurrency/double insurance/concurrent insurance,亦称“复保险”。是指投保人对同一保险标的、同一保险利益、同一保险事故,在同一保险时期分别向两个或两个以上的保险人订立保险合同(实际上如上已经是重复保险),且(或)保险金额总和超过保险价值的保险(各国的保险法对重复保险的定义不同,实际上这句只是定义了重复保险是否为超额保险,据此可以将重复保险分为“超额复保险”与“未超额复保险”)。


参考双语例句:

In considering whether an insurance company has made adequate reinsurance arrangements, the Administration has informed the Joint Subcommittee that IA will take into account, among others, factors including reinsurance management framework of the insurance company; type of reinsurance arrangements; maximum retention of the insurance company; spread of risks among reinsurance companies; and security of reinsurance companies.

政府当局告知联合小组委员会,在评核保险公司所作出的再保险安排是否足够时,保监会考虑多项因素,包括保险公司的再保险管理架构、再保险安排的种类、保险公司的最高自留额、再保险公司之间的风险分散,以及再保险公司的稳健程度。

A partnership with business is useful also for developing effective measures to ensure the rights of the victims of terrorism, including compensatory payments based on transnational systems for insurance and reinsurance relating to mega-terrorist acts.

同企业界结成的伙伴关系也有助于制定有效措施,确保恐怖主义受害者的权利,包括在有关大型恐怖行动的跨国保险和再保险制度的基础上支付赔偿。

For bundled insurance products such as travel insurance and domestic helper insurance, there are multiple insurance risk elements in one policy.

至于捆绑式的保险产品,例如旅游保险及家庭佣工保险,每份保单涉及多项保险风险因素。

Other entities represented included: Asian Disaster Preparedness Center; Asian Disaster Reduction and Response Network; Asian Institute of Technology; Asian Reinsurance Corporation; Directorate-General for Humanitarian Aid and Civil Protection (European Commission); International Federation of Red Cross and Red Crescent Societies; International Committee on the International Global Monitoring Aerospace System Project Implementation; International Organization for Standardization; Japan Aerospace Exploration Agency; Pacific Islands Telecommunications Association (PITA) and Remote Sensing Technology Centre of Japan.

其他派代表出席本届会议的实体包括:亚洲备灾中心、亚洲减灾和应对灾害网络、亚洲理工学院、亚洲再保险公司、人道主义援助和民事保护总局(欧洲联盟委员会)、红十字会与红新月国际联合会、国际全球航空航天监测系统项目国际执行委员会、国际标准化组织、日本宇宙航空研究开发机构、太平洋岛屿电信协会、以及日本遥感技术中心。

In order to prevent the provision of financial services, including insurance and reinsurance services, which could contribute to banned activities by Iran on the territory of member States (paragraph 21 of Security Council resolution 1929 (2010)), decision 413 requires member States to exercise enhanced monitoring over all the activities of financial institutions within their jurisdiction, within banks, agencies and subsidiaries domiciled in Iran or within the jurisdiction of Iran, and prohibits the provision of insurance and reinsurance services to the Government of Iran and to entities associated with it (article 10.1 and 10.2 and article 12). daccess-ods.un.org

为阻止提供可用于伊朗在成员国境内违禁活动的金融服务、包括保险和再保险服务(第1929(2010)号决议第 21 段),第 413 号决定要求成员国加强对其管辖的金融机构与设于伊朗的银行、办事处和分支机构等开展的一切活动的监督,并禁止向伊朗政府及其联系实体提供保险和再保险服务(第 10.1、10.2 和 12 条)。

发布于 2023-01-05 00:52:59
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