基本险，英文表达为primary types of insurance，或basic insurance，又叫主险，是指不需附加在其它险别之下的，可以独立承保的险别。与其相对应的，是附加险。终身人寿保险、养老保险等险种都是主险。

附加险，英文表达为secondary types of insurance，或supplementary insurance，就是指不能单独投保的那些险种。人们必须在买一份主险的前提下，附加这些险种才能享受相应的保障利益。一般保险公司在产品的名称上也会有"附加"两个字，比如"附加定期寿险"、"附加住院津贴"等。

基本险和附加险的区别：

1.基本险可以单独投保，附加险指不能单独投保；

2.基本险（主险）和附加险之间的关系是主合同与补充合同的关系；

3.一般附加险的保费（premium）较少，并且它的存在是以主险的存在为前提的，不能脱离主险。

参考双语例句：

In Germany, the WACKER company pension has two components: the basic pension and a supplementary pension.

瓦克为德国境内的员工提供的企业养老金由两大核心部分组成：基本养老 保 险 和 附加 养老保险。

substantiating the retail value of the covered vehicle as of the date of total loss less the primary insurance deductible amount. c) if it is determined that your insurance company did not pay a fair Actual Cash Value, and we provide you evidence obtained in our research, you may be required to contact your primary inurance carrier and request a higher payment.

如果确定你的主要保险公司没有支付公平的实际现金价值，并且我们向你提供在调查中获得的证据，那么可以要求你与你的主要保险公司联络，以便要求更多的付款。

The reimbursement management software must therefore be capable of meeting the requirements mentioned above and of adapting to future developments, in particular by providing the capacity to render additional services to participants through the development of the Internet and data teletransmission.

例如，报销管理软件应能满足上述提及的各项要求，也能适应未来的发展变化，随着因特网的发展和数据的电子传送，还应能着重预测向参与者提供某些附加保险服务的能力。

In addition to full payment of all statutory social insurances (including retirement insurance, medical insurance, work injury insurance, maternity insurance, and unemployment insurance) to its employees, and in addition to statutory leave and holidays and annual leave with pay according to labor contracts, ZTE Corporation also provides its employees with commercial accident insurance, maternity leave for female workers before giving birth, overseas employees’ annual leave and home leave to visit families, international first-aid services for stationed and travelling personnel, and accompanying policies for excellent employees overseas to reduce the strees of employees and to improve their living quality.

中兴通讯除为员工足额缴纳各项法定社会保险（包括基本养老保险 、基本医疗保险、工伤保险、生育保险、失业保险），以及员工按劳动合同规定可享受的法定休假日、带薪年休假等外，中兴通讯还为员工提供商业意外 保险、女职工产前休养假、海外员工年休假及配偶出国探亲假、常驻及出差海外人员的国际急难救助服务、海外优秀骨干员工家属陪同政策等，解除员工后顾之忧，提高员工生活质量。