قاموس المصطلحات التأمينية

‫ﺑﺴﻢ اﷲ اﻟﺮﺣﻤﻦ اﻟﺮﺣﻴﻢ‬

‫اﻟﺤﻤﺪ ﷲ اﻟﺬي ﻋﻠﻢ ﺑﺎﻟﻘﻠﻢ ‪ ،‬ﻋﻠﻢ اﻹﻧﺴﺎن ﻣ ﺎ ﻟ ﻢ ﯾﻌﻠ ﻢ ‪ ،‬واﻟ ﺼﻼة واﻟ ﺴﻼم‬ ‫ﻋﻠ ﻰ ﻧﺒ ﻲ اﻷﻣ ﻢ ‪ ،‬ﺳ ﯿﺪﻧﺎ ﻣﺤﻤ ﺪ اﻷﺟ ﻞ اﻷﻛ ﺮم ‪ ،‬وﻋﻠ ﻰ آﻟ ﮫ وﺻ ﺤﺒﮫ ‪ ،‬وﻣ ﻦ‬ ‫ﺗﺒﻌﮭﻢ ﺑﺈﺣﺴﺎن إﻟﻰ ﯾﻮم اﻟﺪﯾﻦ ‪ ،‬وﺑﻌﺪ ‪.‬‬ ‫ﺑﺪاﯾﺔ ‪ ...‬ﻣﺎ دﻓﻌﻨﻲ ﻟﻌﻤﻞ ھ ﺬا اﻟﻘ ﺎﻣﻮس ھ ﻮ ﺣ ﺎﺟﺘﻲ وﺣﺎﺟ ﺔ ﻣ ﻦ ﯾﻌﻤﻠ ﻮن‬ ‫ﺑﺘ ﺴﻮﯾﻖ اﻟﺘ ﺄﻣﯿﻦ إﻟ ﻲ ﺗﺮﺟﻤ ﺔ ﺑﻌ ﺾ اﻟﻜﻠﻤ ﺎت واﻟﻤ ﺼﻄﻠﺤﺎت اﻟﺘﺄﻣﯿﻨﯿ ﺔ إﻟ ﻲ‬ ‫اﻻﻧﺠﻠﯿﺰﯾ ﺔ أو اﻟﻌﻜ ﺲ ‪ ،‬وأﯾ ﻀﺎ وﺟ ﺪت ﻗ ﻮاﻣﯿﺲ ﻣﺘﺨﺼ ﺼﺔ ﻣﺜ ﻞ ﻗ ﺎﻣﻮس‬ ‫اﻟﻤﺼﻄﻠﺤﺎت اﻟﻄﺒﯿﺔ وﻗﺎﻣﻮس اﻟﻤﺼﻄﻠﺤﺎت اﻟﻤﺤﺎﺳﺒﯿﺔ وﻗﺎﻣﻮس ﻟﻤ ﺼﻄﻠﺤﺎت‬ ‫اﻟﻜﻤﺒﯿ ﻮﺗﺮ وﻗ ﺎﻣﻮس اﻗﺘ ﺼﺎدي إﻟ ﻲ أﺧ ﺮه وﻟ ﻢ أﺟ ﺪ ﻗ ﺎﻣﻮس ﯾﺨ ﺘﺺ‬ ‫ﺑﺎﻟﻤ ﺼﻄﻠﺤﺎت اﻟﺘ ـﺄﻣﯿﻨﯿﺔ ‪ .‬وﺑﻤ ﺎ أن ﻣﮭﻨ ﺔ ﺗ ﺴﻮﯾﻖ اﻟﺘ ﺄﻣﯿﻦ ﻣﮭﻨ ﺔ ﯾﺘﯿﻤ ﺔ ﻻ‬ ‫ﺻﺎﺣﺐ ﻟﮭﺎ وﻻ ﻣﺪاﻓﻊ ﻋﻨﮭﺎ ﻓﻜﺎن ﻻﺑﺪ ﻣﻦ إﯾﺠﺎد وإﻇﮭﺎر ھﺬا اﻟﻌﻤﻞ إﻟﻲ اﻟﻨ ﻮر‬ ‫‪ .‬وﺑﺎﻟﺘﺎﻟﻲ ﻓﺈن ھﺬا اﻟﻌﻤ ﻞ ﺑﻔ ﻀﻞ اﷲ ھ ﻮ اﻷول ﻣ ﻦ ﻧﻮﻋ ﮫ ﻓ ﻲ ﻣﺠ ﺎل اﻟﺘ ﺄﻣﯿﻦ‬ ‫ﻋﻠﻲ ﺣﺪ ﻋﻠﻤﻲ ‪.‬‬ ‫وأﺧﯿﺮا أرﺟ ﻮ ﻣ ﻦ اﻟﻤ ﻮﻟﻰ اﻟﻌﻠ ﻲ اﻟﻘ ﺪﯾﺮ أن ﯾﺠﻌﻠ ﮫ ﻓ ﻲ ﻣﯿ ﺰان ﺣ ﺴﻨﺎﺗﻨﺎ ‪،‬‬ ‫وأن ﯾﻔﯿﺪ ﺑﮫ ﻛﻞ ﻣﻦ ﯾﻘﺮأه ‪،‬‬ ‫واﻟﻨﻘﺪ ‪ ،‬ﻓﻤﺎ ﺟﺎء ﻓﯿﮫ ﻣﻦ ﻧﻘﺺ أو ﺧﻠﻞ ﻓﮭﻮ ﻣﻨ ﻲ ‪ ،‬واﻟﻜﻤ ﺎل ﷲ رب اﻟﻌ ﺎﻟﻤﯿﻦ‬ ‫‪ ،‬وﺣ ﺴﺒﻲ أﻧﻨ ﻲ اﺟﺘﮭ ﺪت ﻓ ﺈن أﺻ ﺒﺖ ﻓﻠ ﻲ أﺟ ﺮان ‪ ،‬وإن أﺧﻄ ﺄت ﻓﻠ ﻲ أﺟ ﺮ‬ ‫اﻟﻤﺠﺘﮭﺪ واﷲ اﻟﻤﺴﺘﻌﺎن ‪.‬‬ ‫وآﺧﺮ دﻋﻮاي اﻟﻠﮭ ﻢ وﻓﻘﻨ ﺎ ﻟﻤ ﺎ ﻓﯿ ﮫ ﺧﯿ ﺮ دﯾﻨﻨ ﺎ ‪ ،‬وﺻ ﻼح أﻣﺮﻧ ﺎ إﻧ ﻚ أﻧ ﺖ‬ ‫اﻟﺴﻤﯿﻊ اﻟﻤﺠﯿﺐ ‪.‬‬

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‫أھ ﺪي ﻋﻤﻠ ﻲ اﻟﻤﺘﻮاﺿ ﻊ ھ ﺬا إﻟ ﻲ روح أﺑ ﻲ رﺣﻤ ﮫ اﷲ ﺗﺒ ﺎرك وﺗﻌ ﺎﻟﻲ‬ ‫وإﻟﻲ زوﺟﺘﻲ اﻟﻮﻓﯿﺔ اﻟﺘﻲ وﻗﻔﺖ ﺑﺠﺎﻧﺒﻲ وﺗﺤﻤﻠﺖ ﻣﻌ ﻲ اﻟﻜﺜﯿ ﺮ ‪ .‬ﺷ ﻜﺮا ﺟ ﺰﯾﻼ‬ ‫ﻟﮭﺎ وﺟﻌﻞ أﻋﻤﺎﻟﮭﺎ ﻓﻲ ﻣﯿﺰان ﺣﺴﻨﺎﺗﮭﺎ ﯾﻮم اﻟﻘﯿﺎﻣﺔ‪.‬‬ ‫ﺛﻤﻦ ھﺬا اﻟﻘﺎﻣﻮس ھﻮ اﻟﺪﻋﺎء ﻟﻲ ﺑﺎﻟﻨﺠﺎح واﻟﺘﻮﻓﯿﻖ‬ ‫ﻗﺎﻣﻮس اﻟﺘﺄﻣﻴﻦ ) اﻟﻤﺼﻄﻠﺤﺎت واﻟﻜﻠﻤﺎت اﻟﺘﺄﻣﻴﻨﻴﺔ (‬ ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ ‫إﺟﺮاءات اﻟﻤﻄﺎﻟﺒﺎت ‪CLAIMS PROCEDUES‬‬ ‫إﺟﻤﺎﻟﻲ اﻟﻘﺴﻂ ) اﻟﻘﯿﻤﺔ اﻹﺟﻤﺎﻟﯿﺔ ( ‪Gross premium‬‬ ‫إﺟﻤﺎﻟﻲ اﻟﻤﻨﺼﺮف ‪Total outgoing‬‬ ‫أﺟﮭﺰة ﻣﻌﺪات ‪Equipment‬‬ ‫اﺣﺼﺎﺋﻰ اﻛﺘﻮارى ‪ACTUARIAL STATISTICIAN‬‬ ‫اﺧﺘﺼﺎﺻﻲ إﻋﺎدة ﺗﺎﻣﯿﻦ ‪REINSURANCE SPECIALIST‬‬ ‫اﺧﺘﺼﺎﺻﻲ ﺗﺎﻣﯿﻦ ﺿﺪ اﻟﻤﺨﺎﻃﺮ ‪HAZARD INSURANCE SPECIALIST‬‬ ‫اﺧﺘﺼﺎﺻﻲ ﺗﺴﻮﯾﻖ ‪MARKETING SPECIALIST‬‬ ‫اﻻﺧﺘﺼﺎﺻﯿﻮن ﻓﻲ اﻟﺘﺎﻣﯿﻦ ‪PROFESSIONALS IN INSURANCE‬‬ ‫اﻷﺧﻄﺎر اﻷﺳﺎﺳﯿﺔ ‪FUNDEMENTAL RISKS‬‬ ‫اﻷﺧﻄﺎر اﻹﺿﺎﻓﯿﺔ ‪ADDITIONAL PERILS‬‬ ‫اﻷﺧﻄﺎر اﻟﺒﺤﺘﺔ ‪PURE RISKS‬‬ ‫أﺧﻄﺎر اﻟﺤﺮب ‪War risk‬‬ ‫اﻷﺧﻄﺎر اﻟﺨﺎﺻﺔ ‪PARTICULAR RISKS‬‬ ‫اﻷﺧﻄﺎر اﻟﻘﺎﺑﻠﺔ ﻟﻠﺘﺄﻣﯿﻦ ‪INSURABLE RISKS‬‬ ‫اﻷﺧﻄﺎر اﻟﻤﺎدﯾﺔ ) اﻟﺨﺴﺎﺋﺮ اﻟﻤﺎدﯾﺔ ( ‪FINANCIAL RISKS‬‬ ‫أﺧﻄﺎر اﻟﻤﻀﺎرﺑﺔ ‪SPECULATIVE RISKS‬‬ ‫أﺧﻄﺎر اﻟﻨﻘﻞ ‪Transport risks‬‬ ‫إدارة اﻟﻤﺨﺎﻃﺮ ‪RISK MANAGEMENT‬‬ ‫ادﺧﺎر ‪Saving‬‬ ‫إذن ﺻﺮف ‪Dismissal‬‬ ‫اﻷرﺑﺎح اﻹﺿﺎﻓﯿﺔ اﻟﻤﺆﻗﺘﺔ ‪TERMINAL BONUSES‬‬ ‫اﻷرﺑﺎح اﻹﺿﺎﻓﯿﺔ اﻟﻤﺮﺟﻌﺔ اﻟﺒﺴﯿﻄﺔ اﻟﻤﺘﻤﺎﺛﻠﺔ ‪UNIFORM SIMPLE REVERSIONARY BONUS‬‬ ‫اﻷرﺑﺎح اﻹﺿﺎﻓﯿﺔ اﻟﻤﺮﺟﻌﺔ اﻟﻤﺮﻛﺒﺔ اﻟﻤﺘﻤﺎﺛﻠﺔ ‪UNIFORM COMPOUND REVERSIONARY‬‬ ‫اﻷرﺑﺎح اﻹﺿﺎﻓﯿﺔ اﻟﻨﻘﺪﯾﺔ ‪CASH BONUS‬‬ ‫اﻷرﺑﺎح اﻹﺿﺎﻓﯿﺔ ﻟﺘﺨﻔﯿﺾ اﻷﻗﺴﺎط ‪BONUS IN REDUCTION OF PRMIUM‬‬ ‫أرﺑﺎح اﻻﻧﺘﮭﺎء ‪TERMINAL BONUSES‬‬ ‫أرﻛﺎن ﻋﻘﺪ اﻟﺘﺄﻣﯿﻦ ‪ESSENTIALS OF A CONTRACT‬‬ ‫أﺳﺎس اﺣﺘﺴﺎب اﻟﻤﻨﺎﻓﻊ ‪BENEFIT BASIS‬‬ ‫اﻻﺳﺘﺒﺪال ‪REPLACEMENT‬‬ ‫اﺳﺘﺜﻤﺎر ‪Investment‬‬ ‫اﻻﺳﺘﺜﻨﺎءات ‪EXCLUSIONS‬‬ ‫اﺳﺘﺤﻘﺎق وﺛﯿﻘﺔ اﻟﺘﺄﻣﯿﻦ ‪Benefit the insurance‬‬ ‫اﺳﺘﺪﻋﺎء اﻟﺒﻀﺎﺋﻊ ‪PRODUCTS RECALL‬‬ ‫‪www.polesty.com‬‬ ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ ‫‪www.polesty.com‬‬

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‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ MARKETING SPECIALIST ‫اﺳﺘﺸﺎري ﺗﺴﻮﯾﻖ‬ Insurance Form ‫اﺳﺘﻤﺎرة ﺗﺄﻣﯿﻦ‬ PRINCIPLES OF INSURANCE CONTRACTS ‫أﺳﺲ اﻟﺘﻌﺎﻗﺪ ﻓﻲ اﻟﺘﺄﻣﯿﻦ‬ Name of ship ‫أﺳﻢ اﻟﺒﺎﺧﺮة‬ ADDITIONAL VOLUNTARY CONTRIBUTIONS ‫اﻻﺷﺘﺮاﻛﺎت اﻹﺿﺎﻓﯿﺔ اﻻﺧﺘﯿﺎرﯾﺔ‬ COVER NOTE AND CERTIFICATE ‫إﺷﻌﺎر اﻟﺘﻐﻄﯿﺔ وﺷﮭﺎدة اﻟﺘـﺄﻣﯿﻦ‬ Valuables and cash ‫اﻷﺷﯿﺎء اﻟﺜﻤﯿﻨﺔ واﻟﻨﻘﻮد‬ ASSETS ‫اﻷﺻﻮل‬ MALICIOUS DAMAGE ‫اﻷﺿﺮار اﻟﻌﻤﺪﯾﺔ‬ Reinsurance ‫إﻋﺎدة اﻟﺘﺄﻣﯿﻦ‬ TREATY REINSURANCE ‫إﻋﺎدة اﻟﺘﺄﻣﯿﻦ اﻷﺗﻔﺎﻗﻲ‬ FACULTATIVE REINSURANCE ‫إﻋﺎدة اﻟﺘﺄﻣﯿﻦ اﻻﺧﺘﯿﺎري‬ PROPORTIONAL TREATIES ‫إﻋﺎدة اﻟﺘﺄﻣﯿﻦ اﻟﻨﺴﺒﻲ اﻷﺗﻔﺎﻗﻲ‬ EXCESS OF LOSS ‫إﻋﺎدة اﻟﺘﺄﻣﯿﻦ ﺑﺘﺠﺎوز اﻟﺨﺴﺎرة‬ The re-establishment of an insurance ‫إﻋﺎدة ﺳﺮﯾﺎن وﺛﯿﻘﺔ اﻟﺘﺄﻣﯿﻦ‬ A documentary credit ‫اﻋﺘﻤﺎد ﻣﺴﺘﻨﺪي‬ Tax exemption ‫إﻋﻔﺎء ﺿﺮﯾﺒﻲ‬ WAIVER OF PREMIUM ‫اﻹﻋﻔﺎء ﻣﻦ ﺗﺴﺪﯾﺪ اﻷﻗﺴﺎط‬ WAIVER OF PREMIUM ‫اﻹﻋﻔﺎء ﻣﻦ دﻓﻊ اﻷﻗﺴﺎط ﺧﻼل ﻓﺘﺮة اﻟﻌﺠﺰ‬ Uses ‫اﻷﻏﺮاض‬ THE DECLARATION ‫اﻹﻗﺮار‬ UNDERWRITNG ‫اﻻﻛﺘﺘﺎب‬ AVTUARY ‫اﻹﻛﺘﻮاري‬ Plant and equipment ‫آﻻت وﻣﻌﺪات‬ CANCELLATION ‫اﻹﻟﻐﺎء‬ Dana Car ‫اﻧﻘﻼب ﺳﯿﺎرة‬ THE TYPES OF MOTOR COVER ‫أﻧﻮاع أﻏﻄﯿﺔ ﺗﺄﻣﯿﻦ اﻟﺴﯿﺎرات‬ Shaft ‫ﺑﺌﺮ اﻟﻤﺼﻌﺪ‬ REINSURANCE SELLERS ‫ﺑﺎﺋﻌﻲ إﻋﺎدة اﻟﺘﺄﻣﯿﻦ‬ Without a medical ‫ﺑﺪون ﻛﺸﻒ ﻃﺒﻲ‬ OCCUPATIONAL PENSION SCHEMES ‫ﺑﺮاﻣﺞ ﻣﻌﺎﺷﺎت اﻟﺘﻘﺎﻋﺪ اﻟﻤﮭﻨﯿﺔ‬ CARGO ‫ﺑﻀﺎﺋﻊ‬ Merchandise ‫ﺑﻀﺎﻋﺔ‬ GREEN & ORANGE CARDS ‫اﻟﺒﻄﺎﻗﺎت اﻟﺨﻀﺮاء واﻟﺒﺮﺗﻘﺎﻟﯿﺔ‬ Insurance policy ‫ﺑﻮﻟﯿﺼﺔ ﺗﺄﻣﯿﻦ‬ Marine Insurance Policy ‫ﺑﻮﻟﯿﺼﺔ ﺗﺄﻣﯿﻦ ﺑﺤﺮﯾﺔ‬ MATURITY DATE ‫ﺗﺎرﯾﺦ اﻻﺳﺘﺤﻘﺎق‬ Date of Birth ‫ﺗﺎرﯾﺦ اﻟﻤﯿﻼد‬ Arrival date ‫ﺗﺎرﯾﺦ اﻟﻮﺻﻮل‬ Social Insurance ‫ﺗﺄﻣﯿﻦ اﺟﺘﻤﺎﻋﻲ‬ Secure additional incidents ‫ﺗﺄﻣﯿﻦ إﺿﺎﻓﻲ ﺣﻮادث‬ Inability to secure additional ‫ﺗﺄﻣﯿﻦ إﺿﺎﻓﻲ ﻋﺠﺰ‬ www.polesty.com ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ www.polesty.com

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‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ Additional family pension insurance ‫ﺗﺄﻣﯿﻦ إﺿﺎﻓﻲ ﻣﻌﺎش ﻋﺎﺋﻠﺔ‬ GOODS IN TRANSIT INSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺒﻀﺎﺋﻊ أﺛﻨﺎء اﻟﻨﻘﻞ‬ MEDICAL EXPENSES INSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺘﻜﺎﻟﯿﻒ اﻟﺼﺤﯿﺔ‬ Collective insurance ‫اﻟﺘﺄﻣﯿﻦ اﻟﺠﻤﺎﻋﻲ‬ PERSONAL ACCIDENT AND SICKNESS ‫ﺗﺄﻣﯿﻦ اﻟﺤﻮادث اﻟﺸﺨﺼﯿﺔ واﻟﻤﺮض‬ LIFE ASSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة‬ TERM ASSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺆﻗﺖ‬ RENEWABLE TERM ASSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺆﻗﺖ اﻟﻘﺎﺑﻞ ﻟﻠﺘﺠﺪﯾﺪ‬ CONVERTIBLE TERM ASSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺆﻗﺖ اﻟﻘﺎﺑﻞ ﻟﻠﺘﺤﻮﯾﻞ‬ INCREASING TERM ASSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺆﻗﺖ اﻟﻤﺘﺰاﯾﺪ اﻟﻘﯿﻤﺔ‬ DECREASING TERM ASSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺆﻗﺖ اﻟﻤﺘﻨﺎﻗﺺ اﻟﻘﯿﻤﺔ‬ ENDOWMENT ‫ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺨﺘﻠﻂ‬ self-insurance ‫اﻟﺘﺄﻣﯿﻦ اﻟﺬاﺗﻲ‬ THEFT INSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺴﺮﻗﺔ‬ Travel insurance ‫ﺗﺄﻣﯿﻦ اﻟﺴﻔﺮ‬ COMMERCIAL MOTOR INSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺴﯿﺎرات اﻟﺘﺠﺎرﯾﺔ‬ MOTOR AND LIABILITY INSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﺴﯿﺎرات واﻟﻤﺴﺌﻮﻟﯿﺎت‬ INVESTMENT LINKEDINSURANCE ‫اﻟﺘﺄﻣﯿﻦ اﻟﻤﺮﺗﺒﻂ ﺑﺎﻻﺳﺘﺜﻤﺎر‬ HOUSEHOLDERS POLLCY ‫ﺗﺄﻣﯿﻦ اﻟﻤﻨﺎزل‬ MONEY INSURANCE ‫ﺗﺄﻣﯿﻦ اﻟﻨﻘﻮد‬ Commercial insurance ‫ﺗﺄﻣﯿﻦ ﺗﺠﺎري‬ Cooperative insurance ‫ﺗﺄﻣﯿﻦ ﺗﻌﺎوﻧﻲ‬ BUSINESS INTEREUPTION INSURANCE ‫ﺗﺄﻣﯿﻦ ﺗﻮﻗﻒ اﻷﻋﻤﺎل‬ KEY PERSON INSURANCE ‫ﺗﺄﻣﯿﻦ ﺣﯿﺎة ﻛﺒﺎر اﻟﻤﻮﻇﻔﯿﻦ‬ FIDELITY GURANTEE INSURANCE ‫ﺗﺄﻣﯿﻦ ﺿﻤﺎن اﻷﻣﺎﻧﺔ‬ ALL RISKS INSURANCE ‫ﺗﺄﻣﯿﻦ ﻛﺎﻓﺔ اﻷﺧﻄﺎر‬ WHOLE LIFE ‫ﺗﺄﻣﯿﻦ ﻣﺪي اﻟﺤﯿﺎة‬ LIABILITY INSURANCE ‫ﺗﺄﻣﯿﻨﺎت اﻟﻤﺴﺌﻮﻟﯿﺔ‬ Engineering insurance ‫ﺗﺄﻣﯿﻨﺎت ھﻨﺪﺳﯿﺔ‬ RENEWAL ‫اﻟﺘﺠﺪﯾﺪ‬ Reinsuring ‫ﺗﺠﺪﯾﺪ ﺗﺄﻣﯿﻦ‬ The conclusion of an insurance ‫ﺗﺤﺮﯾﺮ )إﺑﺮام ( وﺛﯿﻘﺔ ﺗﺄﻣﯿﻦ‬ The collection of premiums ‫ﺗﺤﺼﯿ ﻞ اﻷﻗﺴﺎط‬ With compulsory ‫ﺗﺤﻤﻞ إﺟﺒﺎري‬ With optional ‫ﺗﺤﻤﻞ اﺧﺘﯿﺎري‬ Formulations ‫ﺗﺮﻛﯿﺒﺎت‬ Insurance Marketing ‫ﺗﺴﻮﯾﻖ اﻟﺘﺄﻣﯿﻦ‬ Vehicle collision ‫ﺗﺼﺎدم ﺳﯿﺎرﺗﯿﻦ‬ LIQUIDATION ‫اﻟﺘﺼﻔﯿﺔ‬ SURRENDER OF BONUSES ‫ﺗﺼﻔﯿﺔ اﻷرﺑﺎح اﻹﺿﺎﻓﯿﺔ‬ REPAIR ‫اﻟﺘﺼﻠﯿﺢ‬ RISK CLASSIFICATIONS ‫ﺗﺼﻨﯿﻒ اﻷﺧﻄﺎر‬ www.polesty.com ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ www.polesty.com

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‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ HOMOGENEOUS EXPOSURES ‫اﻟﺘﻌﺮض اﻟﻤﺘﺠﺎﻧﺲ ﻟﻸﺧﻄﺎر‬ RISK DEFINITION ‫ﺗﻌﺮﯾﻒ اﻟﺨﻄﺮ‬ Breakdown of machinery ‫ﺗﻌﻄﻞ اﻵﻻت‬ WORKMENS COMPENSATUON ‫ﺗﻌﻮﯾﺾ اﻟﻌﻤﺎل‬ EXTENSIONS AVAILABLE ‫اﻟﺘﻐﻄﯿﺎت اﻹﺿﺎﻓﯿﺔ اﻟﻤﺘﻮﻓﺮة‬ VALUATION AND BONUSES ‫اﻟﺘﻘﯿﯿﻢ واﻷرﺑﺎح اﻹﺿﺎﻓﯿﺔ‬ Perishable products ‫ﺗﻠﻒ اﻟﻤﻨﺘﺠﺎت‬ FINANCE ‫اﻟﺘﻤﻮﯾﻞ‬ MARKETING EXECUTIVE ‫ﺗﻨﻔﯿﺬي ﺗﺴﻮﯾﻖ‬ STABILITY ‫اﻟﺘﻮازن واﻻﺳﺘﻘﺮار‬ ALLOCTION OF BONUS ‫ﺗﻮزﯾﻊ اﻷرﺑﺎح اﻹﺿﺎﻓﯿﺔ‬ Provide ‫ﺗﻮﻓﯿﺮ‬ ACCIDENTAL DEATH BENEFITS ‫ﺗﻮﻓﯿﺮ ﻣﻨﺎﻓﻊ اﻟﻮﻓﺎة ﺑﺤﺎدث‬ HOSPITAL INCOME BENEFITS ‫ﺗﻮﻓﯿﺮ ﻣﻨﺎﻓﻊ دﺧﻞ اﻻﺳﺘﺸﻔﺎء‬ SIGNATURE CLAUSE ‫ﺗﻮﻗﯿﻊ اﻟﻮﺛﯿﻘﺔ‬ Tripartite ‫ﺛﻼﺛﯿﺔ‬ Bilateral ‫ﺛﻨﺎﺋﯿﺔ‬ REINSTATEMENT ( ‫ﺟﺒﺮ اﻟﻀﺮر ) إﻋﺎدة اﻟﺒﻨﺎء‬ Reinsure ‫ﺟﺪّد ﺗﺄﻣﯿﻦ‬ POLICY SCHEDULE ‫ﺟﺪول اﻟﻮﺛﯿﻘﺔ‬ Holder ‫ﺣﺎﺋﺰ‬ Car crash ‫ﺣﺎدث ﺳﯿﺎرة‬ LOSS SEVERITY ‫ﺣﺠﻢ اﻟﺨﺴﺎرة اﻟﻤﺘﻮﻗﻌﺔ‬ MAXIMUM ‫اﻟﺤﺪ اﻷﻗﺼﻰ‬ The maximum compensation to others for ‫اﻟﺤ ﺪ اﻷﻗ ﺼﻰ ﻟﺘﻌ ﻮﯾﺾ اﻟﻐﯿ ﺮ ﻋ ﻦ اﻹﺻ ﺎﺑﺎت اﻟﺠ ﺴﻤﺎﻧﯿﺔ‬ injuries physical The maximum liability of the company during ‫اﻟﺤﺪ اﻷﻗﺼﻰ ﻟﻤﺴﺌﻮﻟﯿﺔ اﻟ ﺸﺮﻛﺔ ﺧ ﻼل ﻣ ﺪة اﻟﺘ ﺄﻣﯿﻦ‬ the period of insurance LIMITS ‫ﺣﺪود اﻟﺘﻌﻮﯾﺾ‬ Limits of insurance coverage ‫ﺣﺪود اﻟﺘﻐﻄﯿﺔ اﻟﺘﺄﻣﯿﻨﯿﺔ‬ The limits of the eye from the four ‫ﺣﺪود اﻟﻌﯿﻦ ﻣﻦ اﻟﺠﮭﺎت اﻷرﺑﻌﺔ‬ BURNS ‫اﻟﺤﺮوق‬ Fire ‫ﺣﺮﯾﻖ‬ MEASURE OF INDEMNITY ‫ﺣﺴﺎب اﻟﺘﻌﻮﯾﻀﺎت‬ SALVAGE ‫اﻟﺤﻄﺎم‬ MATERIAL FACTS ‫اﻟﺤﻘﺎﺋﻖ اﻟﺠﻮھﺮﯾﺔ‬ Protection ‫ﺣﻤﺎﯾﺔ‬ The protection of children ‫ﺣﻤﺎﯾﺔ اﻷﺑﻨﺎء‬ The tonnage of a ship ‫ﺣﻤﻮﻟﺔ ﺳﻔﯿﻨﺔ‬ Elevator accidents ‫ﺣﻮادث اﻟﻤﺼﻌﺪ‬ Personal accidents ‫ﺣﻮادث ﺷﺨﺼﯿﺔ‬ A variety of accidents ‫ﺣﻮادث ﻣﺘﻨﻮﻋﺔ‬ www.polesty.com ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ www.polesty.com

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‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ ‫ﺣﯿﺎة ‪Life‬‬ ‫اﻟﺨﺰاﺋﻦ اﻟﺤﺪﯾﺪﯾﺔ ‪Safes‬‬ ‫ﺧﺰﯾﻨﺔ ‪Treasury‬‬ ‫ﺧﺰﯾﻨﺔ ﺣﺪﯾﺪﯾﺔ ‪Treasury iron‬‬ ‫ﺧﺴﺎﺋﺮ ‪Losses‬‬ ‫اﻟﺨﺴﺎﺋﺮ اﻟﻨﺎﺗﺠﺔ ﻋﻦ اﻷﺿﺮار اﻟﻌﻤﺪﯾﺔ ‪Losses resulting from intentional damage‬‬ ‫اﻟﺨﺴﺎرة اﻟﻌﺮﺿﯿﺔ ‪FORTUITOUS LOSS‬‬ ‫ﺧﺼﻢ ﺗﻌﺪد ﺳﯿﺎرات ‪Multi-car discount‬‬ ‫ﺧﺼﻢ ﻋﺪم اﻟﻤﻄﺎﻟﺒﺔ ‪NO CLAIMS DISCOUNT‬‬ ‫اﻟﺨﺼﻮم ‪LIABILITIES‬‬ ‫اﻟﺨﻄﺮ ‪RISK‬‬ ‫ﺧﻄﺮ اﻟﻤﺒﺎﻧﻲ ‪BUILDINGS RISK‬‬ ‫ﺧﯿﺎﻧﺔ اﻷﻣﺎﻧﺔ ‪Dishonesty‬‬ ‫داﺋﻦ ‪CREDITOR‬‬ ‫درﺟﺔ اﻟﺨﻄﺮ ‪LEVEL OF RISK‬‬ ‫دﻓﺎﺗﺮ ﻧﻈﺎﻣﯿﺔ ‪Order books‬‬ ‫اﻟﺪﻓﻊ اﻟﻨﻘﺪي ‪CASH PAYMENT‬‬ ‫دﻓﻌﺔ ‪IMPRESSION‬‬ ‫دﻓﻌﺔ اﻟﺤﯿﺎة اﻟﻔﻮرﯾﺔ ‪IMMEDIATE ANNUITY‬‬ ‫دﻓﻌﺔ اﻟﺤﯿﺎة اﻟﻤﺆﺟﻠﺔ ‪DEFERRED ANNUITY‬‬ ‫دﻓﻌﺔ اﻟﺤﯿﺎة اﻟﻤﺆﻗﺘﺔ ‪TEMPORARY ANNUITY‬‬ ‫دﻓﻌﺔ اﻟﺤﯿﺎة اﻟﻤﺘﺰاﯾﺪة اﻟﻘﯿﻤﺔ ‪INCREASING ANNUITY‬‬ ‫دﻓﻌﺔ اﻟﺤﯿﺎة اﻟﻤﺸﺘﺮﻛﺔ ﺣﺘﻰ وﻓﺎة اﻟﺸﺨﺺ اﻵﺧﺮ ‪JOINT LIFE AND LAST SURVIVOR‬‬ ‫دﻓﻌﺔ اﻟﺤﯿﺎة اﻟﻤﻀﻤﻮﻧﺔ ‪GUARANTEED ANNUITY‬‬ ‫دﻓﻌﺔ اﻟﺤﯿﺎة ذات رأس اﻟﻤﺎل اﻟﻤﻀﻤﻮن ‪CAPITAL PROTECTED ANNUITY‬‬ ‫دﻓﻌﺔ اﻟﺤﯿﺎة ﻋﻨﺪ اﻟﺘﻘﺎﻋﺪ ‪ANNUITY ON RETIREMENT‬‬ ‫دﻓﻌﺔ اﻟﺤﯿﺎة ﻋﻨﺪ اﻟﻮﻓﺎة ‪ANNUITY AT DEATH‬‬ ‫دﻣﻐﺎت ‪Stamps‬‬ ‫دﻣﻐﺔ اﺗﺴﺎع ‪Stamp breadth‬‬ ‫دﯾﻜﻮرات ‪Decorations‬‬ ‫دﯾﻮن‪Debt‬‬ ‫رﺑﺎﻋﯿﺔ ‪Quad‬‬ ‫اﻟﺮﺑﺢ ‪Profit‬‬ ‫اﻟﺮﺑﺢ اﻹﺿﺎﻓﻲ اﻟﻨﮭﺎﺋﻲ ‪TERMINAL BONUS‬‬ ‫رﺑﻊ ﺳﻨﻮي ‪Quarterly‬‬ ‫اﻟﺮﺣﻠﺔ ‪Flight‬‬ ‫رﺳﻢ إﺷﺮاف ‪Supervision fee‬‬ ‫رﺳﻢ ﺳﺠﻞ ‪Register fee‬‬ ‫اﻟﺮﺳﻮم ‪FEES‬‬ ‫اﻟﺮﻋﺎﯾﺔ اﻟﻄﺒﯿﺔ ‪Medical care‬‬ ‫اﻟﺰﻻزل واﻟﻨﺎر اﻟﻤﻨﺒﻌﺜﺔ ﻣﻦ ﺑﺎﻃﻦ اﻷرض ‪SUBTERRANEAN FIRE‬‬ ‫زوج ‪Husband‬‬ ‫‪www.polesty.com‬‬ ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ ‫‪www.polesty.com‬‬

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‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ Wife ‫زوﺟﺔ‬ Couple‫زوﺟﯿﻦ‬ Valid ‫ﺳﺎري اﻟﻤﻔﻌﻮل‬ PROXIMATE CAUSE ‫اﻟﺴﺒﺐ اﻟﻤﺒﺎﺷﺮ أو اﻟﺴﺒﺐ اﻟﻘﺮﯾﺐ‬ Burglary ‫ﺳﻄﻮ‬ OFFER PRICE ‫ﺳﻌﺮ اﻟﺸﺮاء‬ SHORT PERIOD RATES ‫ﺳﻌﺮ اﻟﻤﺪة اﻟﻘﺼﯿﺮة‬ Price on the basis of delivery on board ship ‫اﻟﺴﻌﺮ ﻋﻠﻰ أﺳﺎس اﻟﺘﺴﻠﯿﻢ ﻋﻠﻰ ﻇﮭﺮ اﻟﺒﺎﺧﺮة‬ Advance ‫ﺳﻠﻔﮫ‬ REINSURANCE BROKERS ‫ﺳﻤﺎﺳﺮة إﻋﺎدة اﻟﺘﺄﻣﯿﻦ‬ BROKERS AND AUCTIONEERS ‫اﻟﺴﻤﺎﺳﺮة واﻟﺪﻻﻟﻮن‬ Age ‫اﻟﺴﻦ‬ NORMAL RETIREMENT AGE ‫اﻟﺴﻦ اﻟﻄﺒﯿﻌﻲ ﻟﻠﺘﻘﺎﻋﺪ‬ Year of manufacture ‫ﺳﻨﺔ اﻟﺼﻨﻊ‬ THE REISURANCE MARKER PLACE ‫ﺳﻮق إﻋﺎدة اﻟﺘﺄﻣﯿﻦ‬ automotive vehicle ‫اﻟﺴﯿﺎرات واﻟﻤﺮﻛﺒﺎت‬ PUBLIC PQLICY ‫اﻟﺴﯿﺎﺳﺔ اﻟﻌﺎﻣﺔ‬ Chassis ‫اﻟﺸﺎﺳﯿﺔ‬ Shipping ‫اﻟﺸﺤﻦ‬ AVERAGE ‫ﺷﺮط اﻟﻨﺴﺒﯿﺔ‬ CAPTIVES ‫ﺷﺮﻛﺎت اﻟﺘﺄﻣﯿﻦ اﻟﻘﺎﺑﻀﺔ‬ Corporation ‫ﺷﺮﻛﺔ ﻣﺴﺎھﻤﺔ‬ CONDITIONS ‫اﻟﺸﺮوط‬ Terms of delay ‫ﺷﺮوط اﻟﺘـﺄﺟﯿﻞ‬ Insurance requirements ‫ﺷﺮوط اﻟﺘﺄﻣﯿﻦ‬ NON-CONTRIBUTION ‫ﺷﺮوط ﻋﺪم اﻟﻤﺸﺎرﻛﺔ‬ UNCERTAINTY ‫اﻟﺸﻚ‬ Certificate No ‫ﺷﮭﺎدة رﻗﻢ‬ Monthly ‫ﺷﮭﺮي‬ Chic ‫ﺷﯿﻚ‬ Employer ( ‫ﺻﺎﺣﺐ اﻟﻌﻤﻞ ) رب اﻟﻌﻤﻞ‬ Net premium ‫ﺻﺎﻓﻲ اﻟﻘﺴﻂ‬ Daily traffic Registry ‫ﺻﺤﯿﻔﺔ ﻗﻠﻢ اﻟﻤﺮور‬ SPECIAL UTILISED FUND ‫ﺻﻨﺎدﯾﻖ ذات وﺣﺪات اﺳﺘﺜﻤﺎرﯾﺔ‬ Guarantor ‫ﺿﺎﻣﻦ‬ Ensure ‫ﺿﻤﺎن‬ INSURABILITY ‫ﺿﻤﺎن اﻟﻘﺎﺑﻠﯿﺔ ﻟﻠﺘﺄﻣﯿﻦ‬ CAPACITY ‫اﻟﻄﺎﻗﺔ اﻻﺳﺘﯿﻌﺎﺑﯿﺔ‬ Student insurance ‫ﻃﺎﻟﺐ اﻟﺘﺄﻣﯿﻦ‬ Medical ‫ﻃﺒﻲ‬ BASIS OF CONTRIBUTION ‫ﻃﺮق اﻟﻤﺸﺎرﻛﺔ‬ Packages ‫اﻟﻄﺮود‬ www.polesty.com ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ www.polesty.com

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‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ DEFINED CONTRIBUTION ‫ﻃﺮﯾﻘﺔ اﻻﺷﺘﺮاﻛﺎت اﻟﻤﺤﺪدة‬ DEFINED BENEFITS ‫ﻃﺮﯾﻘﺔ اﻟﻤﻨﺎﻓﻊ اﻟﻤﺤﺪدة‬ Method of payment of premiums ‫ﻃﺮﯾﻘﺔ ﺳﺪاد أﻷﻗﺴﺎط‬ Insurance claim ‫ﻃﻠﺐ ﺗﺄﻣﯿﻦ‬ Yield ‫ﻋﺎﺋﺪ – إﯾﺮاد‬ DISABILTY ‫اﻟﻌﺠﺰ‬ THE PENSION CONTRACT ‫ﻋﻘﺪ اﻟﻤﻌﺎش اﻟﺘﻘﺎﻋﺪي‬ Insurance contract ‫ﻋﻘﺪ ﺗﺄﻣﯿﻦ‬ AGE AND DRIVING EXPERIENCE ‫اﻟﻌﻤﺮ وﺧﺒﺮة اﻟﻘﯿﺎدة‬ Foreign currency ‫ﻋﻤﻠﺔ أﺟﻨﺒﯿﺔ‬ Commission ‫ﻋﻤﻮﻟﺔ‬ Customer ‫اﻟﻌﻤﯿﻞ‬ HEEDING ‫اﻟﻌﻨﻮان‬ Average ‫ﻋﻮارﯾﺔ‬ The purpose of insurance ‫اﻟﻐﺮض ﻣﻦ اﻟﺘﺄﻣﯿﻦ‬ GROSS EARNING COVER ‫ﻏﻄﺎء إﺟﻤﺎﻟﻲ اﻟﺪﺧﻞ‬ DREAD DISEASE COVER ‫ﻏﻄﺎء اﻷﻣﺮاض اﻟﺨﻄﺮة‬ PERMANENT HEAL TH INSURANCE ‫ﻏﻄﺎء اﻟﺘﺄﻣﯿﻦ اﻟﺼﺤﻲ اﻟﺪاﺋﻢ‬ COMPREHENSIVE COVER ( ‫اﻟﻐﻄﺎء اﻟﺸﺎﻣﻞ ) اﻟﺘﻜﻤﯿﻠﻲ‬ HAIL STORM ‫ﻏﻄﺎء اﻟﻌﻮاﺻﻒ اﻟﺜﻠﺠﯿﺔ‬ HOUSEHOLDERS INSURANCE BUILDINGS COVER ‫ﻏﻄﺎء اﻟﻤﺒﺎﻧﻲ‬ CONTENTS COVER ‫ﻏﻄﺎء اﻟﻤﺤﺘﻮﯾﺎت‬ SHORT PERIOD MOTOR COVER ‫ﻏﻄﺎء اﻟﻤﺪة اﻟﻘﺼﯿﺮة‬ THIRD PARTY ONLY COVER ‫ﻏﻄﺎء اﻟﻤﺴﺌﻮﻟﯿﺔ ﺗﺠﺎه اﻟﻐﯿﺮ‬ THIRD PARTY FIRE AND THEFT ‫ﻏﻄﺎء اﻟﻤﺴﺌﻮﻟﯿﺔ ﺗﺠﺎه اﻟﻐﯿﺮ ﻣﻊ اﻟﺤﺮﯾﻖ واﻟﺴﺮﻗﺔ‬ DEFERRED PERIOD ‫ﻓﺘﺮة اﻻﻧﺘﻈﺎر‬ DAYS OF GRACE ‫ﻓﺘﺮة اﻟﺴﻤﺎح‬ Missing ‫ﻓﻘﺪ‬ Profits have been ‫ﻓﻘﺪ اﻷرﺑﺎح‬ MACROBENEEITS ‫اﻟﻔﻮاﺋﺪ ذات اﻟﻨﻄﺎق اﻷوﺳﻊ‬ On the surface of the vessel ‫ﻓﻮق ﺳﻄﺢ اﻟﺒﺎﺧﺮة‬ About ‫ﻗﺮاﺑﺔ‬ INTEREST ‫ﻗﺮض‬ LOANS ‫ﻗﺮوض‬ INTEREST-FREE LOANS ‫ﻗﺮوض ﺑﺪون ﻓﻮاﺋﺪ‬ Premium ‫ﻗﺴﻂ‬ Monthly premium ‫اﻟﻘﺴﻂ اﻟﺸﮭﺮي‬ Premium ‫ﻗﺴﻂ ﺗﺄﻣﯿﻦ‬ Annual insurance premium ‫ﻗﺴﻂ ﺗﺄﻣﯿﻦ ﺳﻨﻮي‬ Quarterly installment ‫ﻗﺴﻂ رﺑﻊ ﺳﻨﻮي‬ Semi-annual premium ‫ﻗﺴﻂ ﻧﺼﻒ ﺳﻨﻮي‬ GUARANTEED SURRENDER VALUES ‫ﻗﯿﻢ اﻟﺘﺼﻔﯿﺔ اﻟﻤﻀﻤﻮﻧﺔ‬ www.polesty.com ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ www.polesty.com

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www.polesty.com

www.polesty.com

‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ BETTERMENT ‫ﻗﯿﻤﺔ اﻟﺘﺤﺴﯿﻨﺎت‬ SURRNEDER VALUE ‫ﻗﯿﻤﺔ اﻟﺘﺼﻔﯿﺔ‬ Value ‫ﻗﯿﻤﺔ اﻟﺮﺳﺎﻟﺔ‬ DECLARED REVERSIONARY VALUE ‫اﻟﻘﯿﻤﺔ اﻟﻌﻘﺒﯿﺔ اﻟﻤﻌﻠﻨﺔ‬ CASH VALUE ‫ﻗﯿﻤﺔ ﻧﻘﺪﯾﺔ‬ Insurance restrictions ‫ﻗﯿﻮد اﻟﺘﺄﻣﯿﻦ‬ Break machine ‫ﻛﺴﺮ اﻵﻻت‬ Broken glass ‫ﻛﺴﺮ اﻟﺰﺟﺎج‬ Medical ‫ﻛﺸﻒ ﻃﺒﻲ‬ CATASTROPHES ‫اﻟﻜﻮارث‬ HOW INDEMNITY IS PROVIDED ‫ﻛﯿﻔﯿﺔ ﺳﺪاد اﻟﺘﻌﻮﯾﻀﺎت‬ To secure‫ﻟﺘﺄﻣﯿﻦ‬ Insurance ‫ﻟﻠﺘﺄﻣﯿﻦ‬ PHYSICAL AND MORAL HAZARDS ‫ﻣﺆﺛﺮات اﻟﺨﻄﺮ اﻟﻤﺎدﯾﺔ واﻟﻤﻌﻨﻮﯾﺔ‬ PHYSICAL HAZARD ‫اﻟﻤﺆﺛﺮات اﻟﻤﺎدﯾﺔ‬ MORAL HAZARD ‫اﻟﻤﺆﺛﺮات اﻟﻤﻌﻨﻮﯾﺔ‬ COST OF LIVING INDEX ‫ﻣﺆﺷﺮ ﺗﻜﺎﻟﯿﻒ اﻟﻤﻌﯿﺸﺔ‬ Provisional ‫اﻟﻤﺆﻗﺖ‬ Temporary sliding ‫اﻟﻤﺆﻗﺖ اﻟﻤﺘﻨﺎﻗﺺ‬ And the response of the provisional premium ‫اﻟﻤﺆﻗﺖ ﻣﻊ رد اﻷﻗﺴﺎط‬ THE LIFE ASSURED ‫اﻟﻤﺆﻣﻦ ﻋﻠﻲ ﺣﯿﺎﺗﮫ‬ Insured ‫ﻣﺆﻣﻦ ﻋﻠﯿﺔ‬ Car brand ‫ﻣﺎرﻛﺔ اﻟﺴﯿﺎرة‬ Owner ‫اﻟﻤﺎﻟﻚ‬ PRINCIPLES OF INSURANCE ‫اﻟﻤﺒﺎدئ اﻷﺳﺎﺳﯿﺔ ﻟﻠﺘﺄﻣﯿﻦ‬ PRINCIPLE OF INDEMNITY ‫ﻣﺒﺪأ اﻟﺘﻌﻮﯾﺾ‬ SUBROGATION PRINCIPLE ‫ﻣﺒﺪأ اﻟﺤﻠﻮل ﻓﻲ اﻟﺤﻘﻮق‬ CONTRIBUTION PRINCIPLE ‫ﻣﺒﺪأ اﻟﻤﺸﺎرﻛﺔ‬ The principle of good faith ‫ﻣﺒﺪأ ﺣُﺴﻦ اﻟﻨﯿﺔ‬ The amount of insurance ‫ﻣﺒﻠﻎ اﻟﺘﺄﻣﯿﻦ‬ DEDUCTIBLE ‫ﻣﺒﻠﻎ اﻟﺘﺤﻤﻞ اﻟﻜﺒﯿﺮ‬ FRANCHISE ‫ﻣﺒﻠﻎ اﻟﺴﻤﺎح‬ EXCESS ‫ﻣﺒﻠﻎ ﺗﺤﻤﻞ ﺑﺴﯿﻂ‬ A LUMP SUM AT RETIREMENT ‫ﻣﺒﻠﻎ ﻣﻘﻄﻮع ﻋﻨﺪ اﻟﺘﻘﺎﻋﺪ‬ LUMP SUM ON DEATH ‫ﻣﺒﻠﻎ ﻣﻘﻄﻮع ﻋﻨﺪ اﻟﻮﻓﺎة‬ Contracting ‫ﻣﺘﻌﺎﻗﺪ‬ Average age ‫ﻣﺘﻮﺳﻂ اﻟﺴﻦ‬ POOLS ‫ﻣﺠﻤﻌﺎت إﻋﺎدة اﻟـﺄﻣﯿﻦ‬ LLOY,S SYNDICATES ‫ﻣﺠﻤﻌﺎت ﻟﻮﯾﺪز‬ Gross Profit ‫ﻣﺠﻤﻞ اﻟﺮﺑﺢ‬ COLLECTOR ‫ﻣﺤﺼﻞ‬ DEFERRED PERIOD ‫ﻣﺪة اﻟﺘـﺄﺟﯿﻞ‬ ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬

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www.polesty.com

www.polesty.com

‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ Period of insurance ‫ﻣﺪة اﻟﺘﺄﻣﯿﻦ‬ MARKETING MANAGER ‫ﻣﺪﯾﺮ ﺗﺴﻮﯾﻖ‬ DEBTOR ‫ﻣﺪﯾﻦ‬ Insurance benefits ‫ﻣﺰاﯾﺎ اﻟﺘﺄﻣﯿﻦ‬ The benefits of the insurance ‫ﻣﺰاﯾﺎ وﺛﯿﻘﺔ اﻟﺘـﺄﻣﯿﻦ‬ CONTRACTUAL LIABILITY ‫اﻟﻤﺴﺌﻮﻟﯿﺔ اﻟﺘﻌﺎﻗﺪﯾﺔ‬ PUBLIC LIABILITY ‫اﻟﻤﺴﺌﻮﻟﯿﺔ اﻟﻤﺪﻧﯿﺔ‬ PRODUCTS LIABILITY ‫ﻣﺴﺌﻮﻟﯿﺔ اﻟﻤﻨﺘﺠﺎت‬ PROFESSIONAL INDEMNITY ‫اﻟﻤﺴﺌﻮﻟﯿﺔ اﻟﻤﮭﻨﯿﺔ‬ Civil liability ‫ﻣﺴﺌﻮﻟﯿﺔ ﻣﺪﻧﯿﺔ‬ PERILS AND HAZARDS‫ﻣﺴﺒﺒﺎت وﻣﺆﺛﺮات اﻟﺨﻄﺮ‬ MARKETING LEAGAL ADVISOR ‫ﻣﺴﺘﺸﺎر ﺗﺴﻮﯾﻖ‬ Payee - BENEFICIARY ‫اﻟﻤﺴﺘﻔﯿﺪ‬ Beneficiaries ‫اﻟﻤﺴﺘﻔﯿﺪﯾﻦ‬ CONTRIBUTION PRINCIPLE ‫اﻟﻤﺸﺎرﻛﺔ‬ COINSURANCE ‫اﻟﻤﺸﺎرﻛﺔ ﻓﻲ اﻟﺘﺄﻣﯿﻦ‬ REINSURANCE BUYERS ‫ﻣﺸﺘﺮﯾﻦ إﻋﺎدة اﻟﺘﺄﻣﯿﻦ‬ Release fees ‫ﻣﺼﺎرﯾﻒ اﻹﺻﺪار‬ Production expenses ‫ﻣﺼﺎرﯾﻒ إﻧﺘﺎج‬ Plants ‫ﻣﺼﺎﻧﻊ‬ Insurance expense ‫ﻣﺼﺮوف اﻟﺘﺄﻣﯿﻦ‬ INSURABLE INTEREST ‫اﻟﻤﺼﻠﺤﺔ اﻟﺘﺄﻣﯿﻨﯿﺔ‬ DEATH CLAIMS ‫ﻣﻄﺎﻟﺒﺎت اﻟﻮﻓﺎة‬ Claim ‫ﻣُﻄﺎﻟﺒﺔ‬ PRIVATE PENSIONS ‫اﻟﻤﻌﺎﺷﺎت اﻟﺘﻘﺎﻋﺪﯾﺔ اﻟﺸﺨﺼﯿﺔ‬ SURVEY ‫اﻟﻤﻌﺎﯾﻨﺔ‬ Interest rate - INTEREST ‫ﻣﻌﺪل اﻟﻔﺎﺋﺪة‬ BASIC PREMIUM RATE ‫ﻣﻌﺪل اﻟﻘﺴﻂ اﻷﺳﺎﺳﻲ‬ LOSS FREQUENCY ‫ﻣﻌﺪل ﺗﻜﺮار وﻗﻮع اﻟﺨﺴﺎرة‬ REINSURERS ‫ﻣﻌﯿﺪ اﻟﺘﺄﻣﯿﻦ‬ REINSURERS ‫ﻣﻌﯿﺪي اﻟﺘﺄﻣﯿﻦ‬ Furniture and furniture ‫ﻣﻔﺮوﺷﺎت وأﺛﺎﺛﺎت‬ PREAMBLE ‫اﻟﻤﻘﺪﻣﺔ‬ Office of the goods to be inspected ‫ﻣﻜﺘﺐ ﻣﻌﺎﯾﻨﺔ اﻟﺒﻀﺎﺋﻊ‬ Additional supplements ‫ﻣﻼﺣﻖ إﺿﺎﻓﯿﺔ‬ Property ‫ﻣﻤﺘﻠﻜﺎت‬ BOLT ON POLICIES ‫اﻟﻤﻨﺎﻓﻊ اﻹﺿﺎﻓﯿﺔ‬ Representative of insurance ‫ﻣﻨﺪوب ﺗﺄﻣﯿﻦ‬ MARKETING COORD ‫ﻣﻨﺴﻖ ﺗﺴﻮﯾﻖ‬ DISTRICT ‫اﻟﻤﻨﻄﻘﺔ‬ Region of the transfer of cash ‫ﻣﻨﻄﻘﺔ ﻧﻘﻞ اﻟﻨﻘﺪﯾﺔ‬ WAIVER OF PREMIUM BENEFIT ‫ﻣﻨﻔﻌﺔ اﻹﻋﻔﺎء ﻣﻦ ﺳﺪاد اﻷﻗﺴﺎط‬ ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬

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‫‪www.polesty.com‬‬ ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ ‫ﻣﻨﻔﻌﺔ اﻟﺘﺄﻣﯿﻦ اﻟﻤﻀﺎﻋﻒ ﻓﻲ ﺣﺎﻟﺔ اﻟﻮﻓﺎة ﺑﺴﺒﺐ ﺣﺎدث ﻋﺮﺿﻲ ‪DOUBLE ACCIDENT BENEFIT‬‬ ‫ﻣﻨﻔﻌﺔ اﻟﻌﺠﺰ ‪DISABIKITY BENEFIT‬‬ ‫ﻣﻨﻔﻌﺔ اﻟﻮﻓﺎة ‪DEATH BENEFIT‬‬ ‫ﻣﮭﻠﺔ اﻟﺪﻓﻊ ‪GRACE PERIOD‬‬ ‫ﻣﯿﻨﺎء اﻟﻮﺻﻮل ‪Port access‬‬ ‫ﻧﺴﺒﺔ اﻷرﺑﺎح ‪Proportion of profits‬‬ ‫ﻧﺴﺒﺔ ﻣﺌﻮﯾﺔ ‪Percentage‬‬ ‫ﻧﺴﺒﯿﺔ ‪PROPORTION‬‬ ‫اﻟﻨﺺ اﻟﺘﻌﺎﻗﺪي ‪OPERATIVE CLAUSE‬‬ ‫ﻧﺼﻒ ﺳﻨﻮي ‪Semi-annual‬‬ ‫ﻧﻘﻞ أﻷﺧﻄﺎر ‪RISK TRANSFER‬‬ ‫ﻧﻘﻞ اﻟﻨﻘﺪﯾﺔ ‪Transfer cash‬‬ ‫ﻧﻘﻞ ﺑﺤﺮي ‪Shipping‬‬ ‫ﻧﻘﻞ ﺑﺮي ‪Ground transportation‬‬ ‫ﻧﻘﻞ ﺟﻮي ‪Air transport‬‬ ‫ﻧﻤﻮذج اﻹﺑﻼغ ﻋﻦ اﻟﺤﺎدث ‪CCIDENT REPORT FORM‬‬ ‫ﻧﮭﺎﯾﺔ اﻟﻤﺪة ‪The end of the period‬‬ ‫ﻧﻮع اﻟﺘﺄﻣﯿﻦ ‪Type of insurance‬‬ ‫ﻧﻮع اﻟﺘﻐﻄﯿﺔ اﻟﺘﺄﻣﯿﻨﯿﺔ ‪The type of insurance coverage‬‬ ‫ﻧﻮﻋﯿﺔ اﻟﺴﯿﺎرة ‪TYPE OF CAR‬‬ ‫ھﺒﻮط أﺳﺎﺳﺎت اﻟﻤﺒﺎﻧﻲ واﻧﮭﯿﺎر اﻟﺘﺮﺑﺔ ‪SUBSIDENCE AND LANDSLIDE‬‬ ‫اﻟﮭﯿﻜﻞ ‪Hull‬‬ ‫واﺟﺐ اﻟﻤﻜﺎﺷﻔﺔ ‪DUTY OF DISCLOSURE‬‬ ‫وﺛﺎﺋﻖ اﻻﺳﺘﺜﻤﺎر ‪INVESTMENT POLICES‬‬ ‫وﺛﺎﺋﻖ اﻻﺷﺘﺮاك ﻓﻲ اﻷرﺑﺎح ‪WITH PROFIT POLICES‬‬ ‫وﺛﺎﺋﻖ اﻟﺘﺄﻣﯿﻦ ﺑﻮﺣﺪات اﺳﺘﺜﻤﺎر ‪UNIT-LINKED POLICES‬‬ ‫وﺛﺎﺋﻖ اﻟﺘـﺄﻣﯿﻦ ﻋﻠﻲ ﺣﯿﺎة اﻷﺑﻨﺎء ‪CHILDRENS ASSURANCE‬‬ ‫وﺛﺎﺋﻖ اﻟﺤﯿﺎة اﻟﻤﺸﺘﺮﻛﺔ ‪JOINT LIFE POLICIES‬‬ ‫اﻟﻮﺛﺎﺋﻖ اﻟﻤﺘﺰاﯾﺪة اﻟﻘﯿﻤﺔ ‪INCREASING POLICIES‬‬ ‫اﻟﻮﺛﺎﺋﻖ اﻟﻤﺤﺪدة اﻟﻘﯿﻤﺔ ‪AGREED VALUE POLICIES‬‬ ‫اﻟﻮﺛﺎﺋﻖ اﻟﻤﺮﺗﺒﻄﺔ ﺑﻮﺣﺪات اﺳﺘﺜﻤﺎرﯾﺔ ‪UNIT LINKING‬‬ ‫اﻟﻮﺛﺎﺋﻖ اﻟﻤﺴﺪدة اﻷﻗﺴﺎط ‪PAID UP POLICIES‬‬ ‫اﻟﻮﺛﺎﺋﻖ اﻟﻤﻨﻔﻌﯿﺔ ‪BENEFIT POLICIES‬‬ ‫وﺛﺎﺋﻖ اﻟﻮﻗﻔﯿﺔ اﻟﺒﺤﺘﺔ ‪PURE ENDOWMENTS‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﺸﺎﻣﻠﺔ ‪UNIVERSAL LIFE POLICIES‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻄﺎرﺋﺔ ‪CONTINGENT POLICIES‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺆﻗﺖ اﻟﺜﺎﺑﺖ ‪LEVEL TERM ASSURANCE‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺨﺘﻠﻂ ) اﻟﻤﺮﻧﺔ ( ‪FLEXIDOWMENTS‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺨﺘﻠﻂ ‪ENDOWMENT POLICIES‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺨﺘﻠﻂ اﻟﻤﺸﺎرﻛﺔ ﻓﻲ اﻷرﺑﺎح ‪WITH PROFIT ENDOWMENTS‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺨﺘﻠﻂ ﻏﯿﺮ اﻟﻤﺸﺎرﻛﺔ ﻓﻲ اﻷرﺑﺎح ‪NON-PROFIT ENDOWMENTS‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ اﻟﺤﯿﺎة اﻟﻤﺨﺘﻠﻂ ﻗﻠﯿﻠﺔ اﻟﺘﻜﻠﻔﺔ ‪LOW COST ENDOWMENTS‬‬ ‫‪www.polesty.com‬‬ ‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬

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‫ﻣﻮﻗﻊ ﺑﻮﻟﯿﺼﺘﻲ ﻟﻠﺘﺄﻣﯿﻦ‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ اﻟﺴﯿﺎرات ‪MOTOR POLICY FORMS‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ ﻣﺪي اﻟﺤﯿﺎة ‪WHOLE LIFE POLICIES‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ ﻣﺪي اﻟﺤﯿﺎة اﻟﻘﻠﯿﻠﺔ اﻟﺘﻜﻠﻔﺔ ‪WITH-COST WHOLE-LIFE‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ ﻣﺪي اﻟﺤﯿﺎة اﻟﻤﺸﺎرﻛﺔ ﻓﻲ اﻷرﺑﺎح ‪WITH-PROFIT WHOLE-LIFE‬‬ ‫وﺛﺎﺋﻖ ﺗﺄﻣﯿﻦ ﻣﺪي اﻟﺤﯿﺎة ﻏﯿﺮ اﻟﻤﺸﺎرﻛﺔ ﻓﻲ اﻷرﺑﺎح ‪NON-PROFIT WHOLE-LIFE‬‬ ‫وﺛﺎﺋﻖ ﺗﻜﺎﻟﯿﻒ اﻟﺪراﺳﺔ ‪SCHOOL FEES‬‬ ‫وﺛﺎﺋﻖ دﺧﻞ اﻷﺳﺮة ‪FAMILYINCOME COVER‬‬ ‫وﺛﺎﺋﻖ دﺧﻞ اﻷﺳﺮة اﻟﻤﺘﺰاﯾﺪة اﻟﻘﯿﻤﺔ ‪INCREASING FAMILY INCOME POLICIES‬‬ ‫وﺛﺎﺋﻖ دﻓﻌﺎت اﻟﺤﯿﺎة ‪ANNUITIES‬‬ ‫وﺛﺎﺋﻖ ﺿﻤﺎن اﻟﺪﺧﻞ ‪INCOME BONDS‬‬ ‫اﻟﻮﺛﯿﻘﺔ ‪THE POLICY‬‬ ‫اﻟﻮﺛﯿﻘﺔ اﻟﺘﻌﺎوﻧﯿﺔ ‪Collaborative document‬‬ ‫اﻟﻮﺛﯿﻘﺔ اﻟﺮﺑﺎﻋﯿﺔ ‪Document Quartet‬‬ ‫وﺛﯿﻘﺔ ﺗﺄﻣﯿﻦ ‪An insurance‬‬ ‫وﺣﺪات ‪UNITS‬‬ ‫وﺳﻄﺎء إﻋﺎدة اﻟﺘﺄﻣﯿﻦ ‪REINSURANCE INTERMEDIARIES‬‬ ‫وﺳﻄﺎء اﻟﺘﺄﻣﯿﻦ ‪insurance brokers‬‬ ‫اﻟﻮﺳﻄﺎء اﻟﺘﺠﺎرﯾﻮن ‪COMMERCIAL MEDIATION OCUPATION‬‬ ‫وﺳﯿﻂ ﺗﺄﻣﯿﻦ ﺣﯿﺎة ‪Life insurance broker‬‬ ‫وﺳﯿﻂ ﺗﺎﻣﯿﻦ ﻣﺮﻛﺒﺎت ‪VEHICLE INSURANCE AGENT‬‬ ‫وﺳﯿﻂ ﺗﺎﻣﯿﻦ ﻣﺼﺎﻧﻊ ‪FACTORY INSURANCE AGENT‬‬ ‫وﺻﻒ اﻟﺒﻨﺎء ‪Description of construction‬‬ ‫وﻓﺎة ‪Death‬‬ ‫اﻟﻮﻓﯿﺎت ‪MORTALITY‬‬ ‫اﻟﻮﻗﺎﯾﺔ ‪Prevention‬‬ ‫وﻛﯿﻞ ﺗﺄﻣﯿﻦ ‪Insurance agent‬‬

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‫اﻟﻤ ﺼﺎدر ‪ :‬دورات اﻟﻤﻌﮭ ﺪ اﻟﻤ ﺼﺮي ﻟﻠﺘ ﺄﻣﯿﻦ – اﻟﻘ ﺎﻣﻮس اﻟﻤﺘﺨ ﺼﺺ – ﻗ ﺎﻣﻮس‬ ‫اﻟﻤﺼﻄﻠﺤﺎت اﻟﺘﺠﺎرﯾﺔ واﻟﺘﺴﻮﯾﻖ – ﺗﺮﺟﻤﺔ ‪ .... Google‬اﻟﺦ ‪.‬‬ ‫ﺗﻢ ﺑﺤﻤﺪ اﷲ‬ ‫ﺗﻘﺒﻠﻮا ﺗﺤﻴﺎﺗﻲ – ﻃﻨﻄﺎوي أﺣﻤﺪ أﻣﻴﻦ – ﺻﺎﺣﺐ وﻣﺪﻳﺮ ﻣﻮﻗﻊ ﺑﻮﻟﻴﺼﺘﻲ ﻟﻠﺘﺄﻣﻴﻦ‬ ‫ت ﻣﺤﻤﻮل ‪٠١٠٥٣٠٢٦٢٤‬‬

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