保险

The term "compliance risk" as referred to in the present Guidelines means the risk of undertaking legal responsibility, supervisory punishment, financial losses or reputation losses as a result of an incompliant insurance operation and management behavior made by the insurance company or any of its employees and marketing staff.

本指引所称的合规风险是指保险公司及其员工和营销员因不合规的保险经营管理行为引发法律责任、监管处罚、财务损失或者声誉损失的风险。

Examples: acceleration clause, accidental death benefit, after-acquired collateral, antidilution provision, call provision, cash withdrawal, coinsurance, cumulative dividend, cure period, due-on-sale clause, escalation clause, green shoe, incontestability clause, interest rate cap, marital deduction, partial release, rate-improvement, release clause, wage assignment

加速条款，意外死亡保险给付，将来取得附属品，凡稀释条款，赎回条款，现金取款，共同保险，消除期间，销售到期条款，上升条款，绿鞋条款，不可争议条款，利率调整上限，婚姻扣除，部分发放，费率提高，发放条款，工资分配

Studies have shown that not all these people are indigent: a quarter or more can afford insurance, but choose not to buy it.

研究表明并非所有人都是因为缺钱而不购买健康保险，超过四分之一的人能够买得起保险，但却选择不买。

Set up the production of industrial injury insurance and security management system that combines : work injury insurance system of social insurance are an important part.

建立工伤保险与安全生产相结合的管理体制：工伤保险是社会保险制度中的重要组成部分。

After all, industrial injury insurance is only basic protection to society, and ultimately, the follow-up to the employer liability insurance protection.

但工伤保险的毕竟只是基本的保障，要使社会稳定生产，少不了雇主责任保险的后续保障。

On the other hand, the disadvantage includes ineligibility to the tax shield enjoyed by insurance benefit payments and higher fees for the protection portion of the premium.

分开购买的缺点则包含：投资的部分享受不到保险商品的税赋优惠，以及保险部分的费用会比较高。

Therefore,the liability ofinsurance contract has become the social liability by the implementing of no-faultliability and mandatory insurance,not the liability of the inflicter or insurer.

因此，无过失责任侵权原则和强制保险的实行，使保险责任成为一种社会责任，而非自己责任。

Developing health insurance products is an important approach for insurance company to explore market innovatively.

开发健康保险业务是保险公司创新经营、开拓市场的重要途径。

Insurance companies, for a fee, assume risks that meet certain insurability criteria.

保险公司收费以后，承担符合可保险标准的风险。

This behavior is termed moral hazard .In practice, not all risks can be insured, and the insurability of a given risk depends on a number of factors

这种行为被称为道德风险实际上，保险不能保障所有的风险，而且对某一特定风险的保险取决于很多因素

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。