English to Romanian Bus/Financial Insurance Social and insurance accounting

"Choice of excess (deductible, franchise): the insurer offers a premium reduction if an individual opts for an annual excess higher than the ordinary 300 Swiss francs (there is no ordinary excess for children)."

Contextul în care apar diferențiați termenii este sistemul de asigurare elvețian.

Termenii care mă interesează cu precădere - punctele 1-3 de mai jos.

Mai multe date lămuritoare:

http://en.wikipedia.org/wiki/Deductible#cite_note-0

A mai fost abordat subiectul pe perechea de limbi engleză-franceză, și cât de ușor e, sau nu e, în franceză:

1 - Deductible : initial amount of loss paid by the insured in commercial property insurance. It is a large excess. - ???

2 - Excess : sum that a policyholder has (by agreement) to contribute to an insurance claim. It may be compulsory or voluntary. - ???

3 - Franchise : an agreed figure below which an insurance company does not have to meet a claim. A loss above the franchise figure is paid in full. -???

(Source 1, 2, 3, 4 & 5 : International Dictionary of Insurance and Finance, Clark, Chtd Inst of Bankers, Ed. Glenlake, / Fitzroy Dearborn)

Franchise and deductible are not quite the same.

Example (deductible/excess) :
You have sustained a loss of USD 1500. If your excess/deductible is USD 500, you pay the USD 500 and the insurance company takes care of the remaining USD 1000.

Example (franchise) :
You have sustained a loss of USD 1500.
If your franchise is USD 2000, your insurance company pays nothing, you have to cover the whole of the loss.
If your franchise is USD 1000, your insurance company covers the whole of the USD 1500 claim. You have nothing to pay.

4 – Self-insurance : result of a decision to stand the risk of a loss than pay a premium to an insurance company to cover it. It is used by large organizations which set aside a fund to meet losses. It is not really insurance at all.

5 – Retention : holding back money to be used for a particular purpose. In reinsurance, it is the part of the risk that remains with the direct insurer.


(Source : Lexique de Risque Assurance Réassurance, SPE L’Assurance Française)

Deductible = franchise
Franchise = franchise

http://www.actuaries.ca/publications/lexicon/lextd.html

Lista de mai jos am trimis-o câtorva persoane care lucrează în domeniul de asigurări și care încă se mai gândesc ce răspuns să îmi dea...

deductible
franchise, franchise absolue, franchise toujours absolue, franchise forfaitaire (LGA)
deductible amount
franchise (2e)
deductible average
franchise d'avarie, franchise proportionnelle (LGA)
deductible buy-back
rachat de la franchise (JD, 2e)
deductible clause
clause de franchise (RL, LGA)


franchise
franchise simple, f. à atteindre, f. atteinte (LGA)
franchise deductible
franchise décroissante (LGA)
franchise insurance
assurance de groupe à polices individuelles (JD)


excess liability insurance
assurance complémentaire, a. supplémentaire, a. de second risque. a. de risques successifs (LGA)
excess limit
plein par excédent (JD, 2e)
excess loss reassurance
réassurance en excédent de sinistres (2e)
excess loss reinsurance
réassurance en excédent de sinistres (2e)


retention
retenue pour frais et divers ( * G.Lachance
retention
plein de conservation, retenue, conservation, propre risque (RL)
retention limit
plein de conservation, plein de rétention (LGA)


self-insurance
propre assurance (RL)
self-insurance
autoassurance (LGA)
self-insured
autoassuré (JD)
self-insured retention
franchise auto-assurée (2e)


Vă mulțumesc frumos pentru solicitudine!

PS: Dacă cineva are bunăvoința de a oferi echivalentul în limba română al tuturor termenilor prezentați în lista de mai sus, vă asigur că am să îl introduc pe fiecare în glosar, iar sistemul de asigurări din România vă va fi veșnic recunoscător, precum și întreaga comunitate ProZ.