各种“保险”的英语表达方式

人社部就《城乡养老保险制度衔接暂行办法》公开征求意见，《办法》提出，我国职工养老保险、新农保以及城镇居民养老保险将实现衔接转换，缴费年限也将明确换算办法。

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The draft regulation was released on Monday by the Ministry of Human Resources and Social Security to ensure conditional transfers of the country’s three types of social endowment insurances and to benefit the potential 750 million residents who joined at least one of the three programs.

人社部周一发布的办法草案是为了确保我国三种不同养老保险体系可有条件转换，以惠及7.5亿参保人员。

Endowment insurance就是“养老保险”，我国有三种不同的养老保险体系，分别为basic endowment insurance for the urban working group（城镇职工基本养老保险）、new rural social endowment insurance for rural residents（新型农村社会养老保险），以及social endowment insurance for non-working urban residents（针对城镇无业人员的社会养老保险）。三个体系中的premium（缴费）和领到的pension（养老金）也有所不同。

《办法》提出，只要缴费满15年，参保人员无论是从新农保或城居保转入职保，还是从职保转入新农保或城居保，都将个人账户（individual accounts）全部储存额随同转移，包括government subsidies（政府补贴）。

我们平时所说的“五险一金”除了endowment insurance（养老保险）外，还有medical insurance（医疗保险）、unemployment insurance （失业保险 ）、employment injury insurance （工伤保险 ）、maternity insurance （生育保险），以及 housing fund （住房公积金）。

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