Chapter 16 History of Insurance【荐】.ppt

保险费率指的是保险费与其购买的责任范围之间的比例关系。 Chapter 16 History of Insurance I. Open Questions 1. How did insurance emerge in Babylonia and gradually develop in ancient times from 3000BC to 15th AD?. 2. How did modern insurance grow in Europe and become popular? 3. How did insurance develop in the United States, including its beginnings and growth, its early regulatory measures and its expansion and diversification? 4. How does insurance business gain popularity in modern life? II. Teaching Plan This chapter will cover 3 hours. 2 hours for the introduction of background information and explanations of terms and the texts. And the other 1 hour for discussion and practice. III. Teaching Methods Translation of key sentences Paraphrasing of key words and expressions Explanation of new terms Summarizing of key passages Discussion of important issues Questions and answers: interaction between teachers and students IV. Background Insurance is playing an indispensible role in modern society and has become an integrated part in our daily life. Insurance, including various types, such as health insurance, life insurance, fire insurance, transportation insurance etc, has experienced long period from ancient time to modern life, during which it also becomes more popular and beneficial for common people. The history of insurance must be of great help in order to better know the insurance of modern life. V. Special Terms Health insurance 健康保险 it is the insurance against loss by illness or bodily injury. Health insurance provides coverage for medicine, visits to the doctor or emergency room, hospital stays and other medical expenses. Policies differ in what they cover, the size of the deductible and co-payment, limits of coverage and the options for treatment available to the policyholder. 健康保险是针对疾病或者身体伤害的保险。健康保险的险畴包括药费，看医生及急救病房的费用，住院费以及其他医疗花销。险单依据险种、可减除以及共同支付的费用，保险范围以及对不同治疗方法的选择而有所区别。 Insurance rate 保险费率 it is the percentage relationship between the insurance premium and the cover