Adrian MM. (X) Oct 15, 2015:

@ Landsknecht I take your point and should have 'twigged' that you were using English as a 'relay language'. The Swedish IMO = in my opinion literally means 'self-risk protection', so the policy-holder or insured is 'an own insurer' for the first slice of any claim s/he makes. That slice can be covered, so insured elsewhere. Perhaps someone else can come up with the Russian for a deductible or excess (strictly in alphabetical order). I'm afraid my own Russian - despite family roots in the Ukraine - is too basic to help out.

Landsknecht (asker) Oct 15, 2015:

Adrian, I need to find an English equivalent so that I could translate the word "Självriskskydd" into Russian. Unfortunately, I did not find the translation in Swedish-Russian dictionaries. Also, I do not think it would be reasonable to ask the question in the pair "Swedish-Russian", because translators in this language pair are very scarce.

Christopher Schröder Oct 15, 2015:

Excess Charles, excess is the standard UK insurance term

Charles Ek Oct 15, 2015:

And this:

"David Stirling, director of Lloyd’s specialist travel insurance broker Crispin Speers & Partners Ltd offers the following pre-travel tips to holiday goers:

1. The European Health Insurance Card (EHIC) is not the answer to your insurance needs but can soften the costs of the deductible where state cover applies. But there is no repatriation and the system is not flawless." – http://www.lloyds.com/news-and-insight/news-and-features/arc...

Charles Ek Oct 15, 2015:

The problem with your first point is that it is implicitly contradicted by one of the largest insurance players on the planet, namely Lloyd's:

"Deductible
The amount that is deducted from some or all claims arising under an insurance or reinsurance contract. The practical effect is the same as an excess: the insured or reassured must bear a proportion of the relevant loss. If that loss is less than the amount of deductible/excess then the insured or reassured must bear all of the loss (unless there is other insurance in place to cover the deductible). An increase in deductible should result in a reduction in premium."

"Excess
The amount or proportion of some or all losses arising under an insurance or reinsurance contract that is the insured or reassured must bear. If the loss is less than the amount of the excess then the insured/reassured must meet the cost of it (unless there is other insurance in place to cover the excess). Compare deductible and retention. Excesses may either be compulsory or voluntary. An insured which accepts an increased excess in the form of a voluntary excess will receive a reduction in premium."

https://www.lloyds.com/common/help/

Adrian MM. (X) Oct 15, 2015:

Asker - target-readership? Zdrazvutye, Landknecht. Perhaps you can confirm your target-readership, so whether the UK/IrE/US/Oz/NZ or neutral 'Offshore English' etc. 1. Deductible in the UK is used in reinsurance only; 2. cover is a term commoner in the UK than the US term of coverage and 3. protection is often synonymous on the Brit. Isles e.g. with (medical or mortgage endowment) cover, though these points might be lost on American-speakers 'Across the Pond', namely Trans-Atlantically.