新编商务英语精读第4册unit10.ppt

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1、Unit-1,Teaching Aim,Reading I,Reading II,Extended Activities,Insurance,Teaching Aim,Teaching Aim,Unit 10 Insurance,1.Cognitive Information（认知信息）：Types of Insruance;Basic Insruance Concepts2.Language Focus（内容重点）,Key Words：.liability,mutual,hail,theft,vandalism,sue,clutter,ingest,premium,premature,end

2、owment,beneficiary,relatively,portion;.Indemnity gambling,hazard,tornado,reimburse,spouse,incapacitate,payout,cost-effective Phrases：.pay out.Face amount,build up,in force,face value;.In the event of,set fire to,burn down,be tied to Word Study：insure,hold,survive,term,cancel Useful Structures：There

3、is no way to do,Otherwise,Even if,in part Grammar：Direct and Indirect Speech(4)Review,Teaching Aim,Teaching Aim,Unit 10 Insurance,3.Communicative Skills(交际能力),Expressions:Conversational Strategies Reading:Insurance Form Basic Writing:Fax,Background Information,Reading I,Reading I,Unit 10 Insurance,P

4、re-reading,Text,New Words and Expressions,Exercises,Post-reading,Pre-reading,Pre-reading,Unit 10 Insurance,Pre-reading I,Pre-reading II,.Brainstorming:Work with your partner and write out words or expressions related to insurance.,Pre-reading-I,Pre-reading I,Unit 10 Insurance,Parties involved in ins

5、urance:the insurer,the insured,underwriter,insurance agent,policy-holder,policy-owner,beneficiaryTypes of insurance:life insurance,property insurance,liability insurance,crime insurance,automobile insurance,health insurance,fire insurance,marine insuranceTerms used in insurance:insurance policy,cove

6、rage,premium,insurance product,expiration of policy,time limit for filing claimsVerbs used in insurance:to apply for an insurance policy,to file a claim,to settle claims,to cover/insure goods against All Risks(综合险),to effect insurance,Parties involved in insurance:the insurer,Types of insurance:life

7、 insurance,Terms used in insurance:insurance policy,Verbs used in insurance:to apply for an insurance policy,Pre-reading-II,Pre-reading II,Unit 10 Insurance,.Pair-work:Discuss the following questions with your partner.,1.Mention some prestigious insurance companies in China or in the world.,中国人民保险公司

8、 The Peoples Insurance Company of China中国人寿保险公司 China Life Insurance(Group)Company中国平安保险公司 Ping An Insurance Company of China中国太平洋保险公司 China Pacific Insurance(Group)Co.,Ltd中宏人寿保险有限公司 Manulife-Sinochen Life Insurance Co.,Ltd太平洋安泰人寿保险有限公司 Pacific-Antna Life Insurance Company Ltd安联大众人寿保险有限公司 Allianz-Da

9、zhong Life Insurance Co.,Ltd金盛人寿保险有限公司 AXA-Minmetals Life Insurance co.,Ltd日本住友生命 Sumitomo Life Insurance 英国伦敦劳合社 Corporation of Lloyds法国安盛公司 AXA 德国安联公司 Allianz 荷兰国际集团 Ing Group 英国皇家太阳联合保险集团 Royal&Sun Alliance Insurance Group瑞士苏黎士金融服务 Zurich Financial Services,Pre-reading-II,Pre-reading II,Unit 10 I

10、nsurance,.Pair-work:Discuss the following questions with your partner.,2.What do you think is the purpose of insurance?,The major purpose of insurance is to protect oneself against loss or damage as one gets compensation for the insured item if any loss or damage happens to it,either the full amount

11、 of the loss or a specified percentage of the amount of loss.,Pre-reading-II,Pre-reading II,Unit 10 Insurance,.Pair-work:Discuss the following questions with your partner.,3.Have your parents/relatives bought any insurance?And what is the coverage?,Pre-reading-II,Pre-reading II,Unit 10 Insurance,.Pa

12、ir-work:Discuss the following questions with your partner.,4.What questions are you expected to answer when you apply for a life or property insurance policy?,When you apply for life insurance,you will be asked all sorts of questions.For example,the agent will ask you about your age,gender,address,e

13、tc.Depending on your age and the amount of insurance youre buying,you will probably be asked to have a medical examination.When a company is deciding whether or not to offer you property insurance,it will want to know about your economic conditions,how many risks you hope the insurance may cover and

14、 how much premium youd like to pay.,Pre-reading-II,Pre-reading II,Unit 10 Insurance,.Pair-work:Discuss the following questions with your partner.,5.Do you think buying insurance is a better way than putting money in a bank?Why or why not?,We buy insurance for the security of knowing that we and our

15、family are taken good care of in times of need.Should we suffer an auto accident,damage to our home through fire or flood,job loss,or temporary or permanent job leave due to an accident,our insurance is there to cover the costs of the damage,or to pay off(insured)existing loans.By ensuring that we h

16、ave all the necessary insurance,we can rest assured that in the event of an accident or job loss,paying for the damage or continuing to make our loan payments will be no worry on our mind.,Text-1,Text,Unit 10 Insurance,Types of Insurance,Text-1,Text,Unit 10 Insurance,Text-1,Text,Unit 10 Insurance,Te

17、xt-1,Text,Unit 10 Insurance,Text-1,Text,Unit 10 Insurance,Text-1,Text,Unit 10 Insurance,Text-1,Text,Unit 10 Insurance,Text-1,Text,Unit 10 Insurance,Background Information,Background Information,1.insurance basics The term insurance describes any measure taken for protection against risks.When insura

18、nce takes the form of a contract in an insurance policy,it is subject to requirements in statutes,administrative agency regulations,and court decisions.By redistributing risk among a large number of people,insurance reduces losses from accidents incurred by an individual.In return for a specified pa

19、yment(premium),the insurer undertakes to pay the insured or his beneficiary a specified amount of money in the event that the insured suffers loss through the occurrence of an event covered by the insurance contract(policy).By pooling both the financial contributions and the risks of a large number

20、of policyholders,the insurer is able to absorb losses much more easily than is the uninsured individual.,Unit 10 Insurance,Background Information,Background Information,When an insured suffers a loss or damage that is covered in the policy,the insured can collect on the proceeds of the policy by fil

21、ing a claim,or request for coverage,with the insurance company.The company then decides whether to pay the claim.The recipient of any proceeds from the policy is called the beneficiary.The beneficiary can be the insured person,or other persons designated by the insured.Insurers may offer insurance t

22、o any individual able to pay,or they may contract with members of a group(e.g.,employees of a firm)to offer special rates for group insurance.Marine insurance,covering ships and voyages,is the oldest form of insurance;Fire insurance arose in the 17th century,and other forms of property insurance bec

23、ame common with the spread of industrialization in the 19th century.It is now possible to insure almost any kind of property,including homes,Unit 10 Insurance,Background Information,Background Information,businesses,motor vehicles,and goods in transit.Insurance is vital to a free enterprise economy.

24、It protects society from the consequences of financial loss from death,accidents,sicknesses,damage to property,and injury caused to others.There are many perils(causes of loss)that society faces,some natural(e.g.,earthquakes,hurricanes,tornados,flood,drought),and some human(e.g.,theft,fraud,vandalis

25、m,contamination,pollution,terrorism).Many persons are willing to pay a small amount for protection against certain risks because that protection provides valuable peace of mind.2.Insurance business The business of insurance is sustained by a complex system of risk analysis.Generally,this analysis in

26、volves anticipating the likelihood of a particular loss and charging enough in premiums to guarantee that insured losses can be paid.,Unit 10 Insurance,Background Information,Background Information,Insurance companies collect the premiums for a certain type of insurance policy and use them to pay th

27、e few individuals who suffer losses that are insured by that type of policy.The key functions of an insurer are marketing,underwriting,claims(investigation and payment of legitimate claims as well as declining illegitimate claims),loss control,reinsurance,actuarial,collection of premiums,drafting of

28、 insurance contracts to conform to statutory law,and the investing of funds.Underwriters(承保业务员；核保业务员）are expert in identifying,understanding,evaluating,and selecting risks.Actuaries(保险精算师）play a unique and critical role in the insurance process;they price the product(the premium)and establish the re

29、serves.The primary goal of an insurer is to underwrite profitably.Underwriting combines many skills-investigative,accounting,financial,and psychological,Unit 10 Insurance,Background Information,Background Information,Insurance companies seek to operate more efficiently and improve their communicatio

30、n and distribution systems.Combining insurance with other financial products and services is perceived to provide better sources for customers.Nowadays the Insurance industry continues to explore new distribution systems,including the Internet and formation of alliances with banks and other financia

31、l service organizations in an effort to become more efficient and focused on the customer,who today places as much importance on service and convenience,as on price.3.Insurance policy Insurance policy is an insurance contract specifying what risks are insured and what premiums must be paid to keep t

32、he policy in force.Policies for life insurance specify whose,Unit 10 Insurance,Background Information,Background Information,life is insured and which beneficiaries will receive the insurance proceeds.Homeowners insurance policies specify which property and casualty perils are covered.Health insuran

33、ce policies detail which medical procedures,drugs,and devices are reimbursable.Auto insurance policies describe the conditions under which car owners will be covered in case of accidents,theft,or other damage to their cars.Disability policies specify the qualifying conditions of disability and how l

34、ong payments will continue.Business insurance policies describe which liabilities are reimbursable.The policy is the written document that both the insured and insurance company refer to when determining whether or not a claim is covered.The insurance policy varies among states and class of business

35、;however,there are common features.,Unit 10 Insurance,Background Information,Background Information,Declaration page:name the policyholder,describes the property or liability to be insured,type of coverage,and policy limits.Insuring Agreement:describes parties responsibilities during the policy term

36、.Conditions of the Policy:details coverage and requirements in event of a loss.The Exclusions:describes types of property and losses not covered.4.types of insurance Any risk that can be quantified can potentially be insured.An insurance policy will ste out in detail which perils are covered by the

37、policy and which are not.Below is a(non-exhaustive)list of the many different types of insurance that exist.A single policy may cover risks in ong or more of the categories,Unit 10 Insurance,Background Information,Background Information,set forth below.For example,auto insurance would typically cove

38、r both property risk(covering the risk of theft or damage to the car)and liability risk(covering legal claims from causing an accident).A homeowners insurance policy in the US typically includes property insurance covering damage to the home and the owners belongings,liability insurance covering cer

39、tain legal claims against the owner,and even a small amount of health insurance for medical expenses of guests who are injured on the owners property.Automobile insurance is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage

40、to the insureds vehicle itself.Builders risk insurance insures against the risk of physical loss or damage to property during construction.,Unit 10 Insurance,Background Information,Background Information,Business insurance can be any kind of insurance that protects businesses against risks.Some prin

41、cipal subtypes of business insurance are(1)the various kinds of professional liability insurance,also called professional indemnity insurance;and(2)the business owners policy(BOP),which bundles into one policy many of the kinds of coverage that a business owner needs.Credit insurance repays some or

42、all of a loan back when certain things happen to the borrower such as unemployment,disability,or death.Mortgage insurance is a form of credit insurance.Crime insurance insures the policyholder against losses arising from the criminal acts.For example,a company can obtain crime insurance to cover los

43、ses arising from theft or embezzlement.,Unit 10 Insurance,Background Information,Background Information,Crop insurance used by farmers to reduce or manage various risks associated with growing crops.Such risks include crop loss or damage caused by weather,hail,drought,frost damage,insects,or disease

44、,for instance.Disability insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury.It provides monthly support to help pay such obligations as mortgages and credit cards.Expatriate insurance provides individuals and organizati

45、ons operating outside of their home country with protection for automobiles,property,health,liability and business pursuits.Financial loss insurance protects individuals and companies against various financial risks.For example,a business might purchase cover to protect it from loss of sales if a fi

46、re in a factory prevented it from carrying out its business for a,Unit 10 Insurance,Background Information,Background Information,time.Insurance might also cover the failure of a creditor to pay money t owes to the insured.Health insurance policies will often cover the cost of private medical treatm

47、ents if the National Health Service or other publicly-funded health programs do not pay for them.It will often result in quicker health care where better facilities are available.Liability insurance covers legal claims against the insured.Many types of insurance include an aspect of liability covera

48、ge.For example,a homeowners insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property;automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a

49、 crashing car can cause to others,Unit 10 Insurance,Background Information,Background Information,lives,health,or property.The protection offered by a liability insurance policy is twofold:a legal defense in the event of a lawsuit commenced against the policyholder and indemnification(payment on beh

50、alf of the insured)with respect to a settlement or court verdict.Liability policies typically cover only the negligence of the insured,and will not apply to results of willful or intentional acts by the insured.Life insurance provides a monetary benefit to a decedens family or other designated benef