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Oct 7, 2018 22:50
5 yrs ago
60 viewers *
French term

Garanties

French to English Law/Patents Insurance Health Insurance
Hi, translating health insurance text, what is the best translation for 'la garantie'? warranty or guarantee? What is the difference in this context? or is it fine to use guarantee?

Le contrat d'assurance a pour objet d'assurer conformément à ses conditions générales et conditions particulières les garanties contractées par le souscripteur au profit de son personnel.

L'éventail des garanties est le suivant...


thanks
Proposed translations (English)
4 +5 cover
3 +3 benefits
3 Entitlements
4 -2 Guarantees
5 -3 safeguards

Discussion

Mohamed Hosni Oct 11, 2018:
Where are my comments?. And why it has been hidden?. Does it makes sense !!!?.
Eliza Hall Oct 8, 2018:
"Coverage" in the US We don't say "insurance cover," we say "coverage." Cover is the verb ("my insurance covers XYZ procedure"). Here's a link to the Obamacare website -- note "Get coverage" at the top left.

https://www.healthcare.gov/
ph-b (X) Oct 8, 2018:
AllegroTrans, You write in your answer to my comment that "assurer here means 'to ensure'..."<p>I wouldn't say so. If that was the case, the French source text would be either L'objet du contrat est de (s')assurer que ... les garanties contractées... soient/sont [appliquées ? respectées ?</>, etc.] or de s'assurer [de l'application ? du respect ?</>, etc.]... des garanties contractées... As used here, assurer can only mean "to insure". Which, as I said in my answer, is a bit awkward in French because assurer des garanties just doesn't sound right, is difficult to understand when you think about it and is probably the reason why Maeve asked in the first place.
philgoddard Oct 8, 2018:
Garantie usually means cover in an insurance context, but please could you tell us what it says after this.

Proposed translations

+5
10 hrs
Selected

cover

They are talking of what is 'guaranteed' i.e the cover provided by the policy
Peer comment(s):
agree Nikki Scott-Despaigne : "Cover" or "benefits".
1 hr
thanks
neutral ph-b (X) : So the purpose of the contract (contrat d'assurance a pour objet) would be to insure the cover (assurer... les garanties)? "Insuring a cover"? Really?/See discussion box.
2 hrs
'assurer' here means 'to ensure' thus purpose of policy is to ensure/provide cover; cover is the standard UK insurance term here
agree SafeTex : or "coverage" perhaps. As for Ph-b's reservation, I'd say "to ensure health coverage"
4 hrs
OK coverage for USA but cover for UK
agree Eliza Hall : Agreed for the UK, but in the US the term is "coverage," not "cover."
6 hrs
Thanks, I already said that and anyway asker is in UK
agree Yvonne Gallagher : yes, of course. Don't know why people insisting on US when Asker is in UK
2 days 3 hrs
thanks and I am sure you have 'cover' in Ireland also
agree John Fossey
2 days 8 hrs
Thank you
Something went wrong...
4 KudoZ points awarded for this answer. Comment: "Selected automatically based on peer agreement."
-2
34 mins

Guarantees

A warranty in an insurance policy is a promise by the insured party that statements affecting the validity of the contract are true. Most insurance contracts require the insured to make certain warranties. For example, to obtain a HEALTH INSURANCE policy, an insured party may have to warrant that he does not suffer from a terminal disease. If a warranty made by an insured party turns out to be untrue, the insurer may cancel the policy and refuse to cover claims.

Read more: Warranty - Insurance - Policy, Insured, Contract, and Party - JRank Articles http://law.jrank.org/pages/11216/Warranty-Insurance.html#ixz...

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Note added at 34 mins (2018-10-07 23:25:12 GMT)
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in this case it's a guarantee

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Note added at 37 mins (2018-10-07 23:27:55 GMT)
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Demo Image Finance. The California Insurance Guarantee Association (also known as "CIGA") has three separate funds organized by line of business ...
Peer comment(s):
neutral ph-b (X) : If so, I don't think the French text would use contracter. A more appropriate verb would have been promettre or garantir + how does your suggestion tie in with au profit de son personnel?
7 hrs
disagree Eliza Hall : Not in this context. You're talking about representations and warranties provisions in contracts, but that's not what this is about. This is about coverage/benefits that a policy-holder contracts for on behalf of their employees.
19 hrs
disagree AllegroTrans : A literal translation but not the term used in insurance (GB)
2 days 15 hrs
Something went wrong...
+3
7 hrs

benefits



I would use "benefits" here as the question is about health insurance. I understand that the underwriter (the insured/the employer, in this case) seeks to insure his employees against certain health-related risks and to provide them with benefits if these risks occur.


However, I find assurer des garanties rather odd. Garanties in this context is roughly a synonym for insurance and you don’t insure… insurance (well, reinsurers do, but that’s something else). Proposer (etc.) des garanties (especially considering that the next paragraph says: L\'éventail des garanties est le suivant or Assurer des risques would have been more appropriate and could conceivably be what is meant here. If so, "benefits" is still a possibility for the first term and "risks" would apply to the second one. As philgoddard says, what follows after L'éventail des garanties est le suivant will give an idea/examples of what is covered and the translation will be obvious. Alternatively, you can use the usual translation of garantie but I would query this French term with your client.


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Note added at 7 hrs (2018-10-08 06:40:46 GMT)
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About his:

Sorry, I don't want to offend anyone, but didn't know if I ought to have used "their" or "one's". I'm a bit confused here...
Peer comment(s):
agree philgoddard
1 hr
agree Nikki Scott-Despaigne : I'd probably go with "benefits" in this instance, or "cover". However, I think the use of the verb "assurer" is an unfortunate choice in this context. It's undoubtedly being used to mean "proposer".
3 hrs
agree Eliza Hall : Benefits or coverage (UK "cover") work here. I don't have a problem with "assurer." The contract ensures that the coverage exists (implicitly they mean a signed contract -- once the contract is executed, the coverage is assured).
8 hrs
Something went wrong...
9 hrs

Entitlements

Suggestion
Something went wrong...
-3
13 hrs

safeguards

Suggestion, hope it helps.
Peer comment(s):
disagree AllegroTrans : not an insurance term
1 hr
Reread and tray to and understand my suggestion in the context.
disagree Eliza Hall : What AllegroTrans says.
3 hrs
Reread the context and check my suggestion again!! .
disagree Germaine : This is about private health insurance benefits/coverage, not about atomic energy or nuclear wastes + "Safeguards" are applied, not "subscribed".
6 days
Something went wrong...
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