让我们从防疫保单乱象事件,学习保险业与多益测验中常考的单字吧!
去年至今,各家保险公司推出的防疫保单皆创下巨量投保量。根据《远见杂志》估算,近来因确诊案例飙升,出现密集的理赔诉求,台湾产险业总赔付金额将上看600~720亿元。而放眼国际,专门贩售防疫保单的保险公司状况亦不佳。今日就让我们从防疫保单乱象事件,学习保险业与多益测验中常考的单字吧!
The buying frenzy essentially began last January, when Taiwan Fire & Marine Insurance Co. unveiled a policy for NT$500 with payouts of up to NT$100,000 if the policyholder was quarantined. (taipeitimes.com)
(购买狂潮基本上始于去年一月,当时台湾产物保险推出了新台币500元保险给付额的保单,如果投保人被隔离,最高赔付新台币十万元。)
「防疫险」英文怎么说?
insurance「保险、保险费、安全保障」,延伸字汇包括动词insure「为…投保」与名词insurer「承保人」、the insured「受保人」。经常与insurance搭配的动词有claim (on)「申请索赔」、renew「更新;继续」、taken out「购买」、apply for「申请」等,都是金融保险范畴常见的词汇。
When travelers take out travel insurance with emergency medical benefits, it can cover medical emergencies during their trips.
(当旅行者购买附有紧急医疗给付的旅行保险时,它涵盖旅行期间的医疗紧急情况。)
现在持续受到讨论的「防疫险」用pandemic/Covid insurance表达即可。保险大致分类成:财产保险(non-life insurance)与insurance of the person(人身保险),日常常见的细项如life insurance「寿险」、annuity insurance「年金保险」、casualty insurance「意外险」、health insurance「健保」、labor insurance「劳保」等,都是多益测验中,金融保险或是医疗保健主题会提及的相关词汇。
policy在财经保险专业词汇中,是「保单」的意思,因此policyholder就是「投保人、保户」,policy dividend代表「保单红利」。但policy在日常生活中最常见的意思为「政策;策略」。
The updated pandemic policy only covers the NT$50,000 compensation for hospitalization, removing provisions that pay for a COVID diagnosis and isolation.
(更新后的防疫保单仅涵盖住院最高理赔五万元,取消了确诊、隔离支付理赔的条款。)
payout表示「支出」,在此代表「保险公司依据保单条款应该理赔的金额」,例如死亡给付(death benefit)、到期还本(maturity benefit)、医疗给付(medical benefit)、残废给付(disability benefit)。关于其他保险金的词汇还有claim「(对保险公司的)索赔」、compensation「赔偿金;补偿金」、indemnity「损害补偿金」、benefit「补助金」、premium「保费」,也都是很值得学习的词汇。
Most endowment policies cover the individual’s life in case of unfortunate events, and offer a maturity benefits at the end of the term.
(大多数养老保单理赔涵盖个人生活中的不幸事件,并在期限结束时提供满期福利金。)
When filing insurance claims for the artworks, the art collector authenticated his claim to receive the benefit from the insurance firm.
(在为艺术品提出保险索赔时,这位艺术品收藏家验证他的索赔,以便从保险公司获利。)
保险索赔的各种说法
「提出」保险索赔,除了搭配动词file外,还可用submitted a claim、made a claim等方式表示。
The policyholder submitted a claim for the losses sustained as a result of the pandemic.
(投保人就疫情造成的损失提出索赔。)
The policyholder made a claim on pandemic insurance after hospitalization.
(投保人在住院后提出防疫险的索赔。)
「submit a claim to + 公司 for 损失」与「make a claim on + 保险名称」都是很实用的搭配。此外,近来新闻也常提及的「理付赔偿」,会搭配pay out与reimburse两字。
Insurance companies are estimated to pay out claims, topping US$1.39 billion in Taiwan.
(台湾保险公司预计赔付高达13.9亿美元)
Insurance companies will reimburse policyholders for expenses incurred during their hospitalization.
(保险公司将理付赔偿投保人在住院期间发生的费用。)
各家产险公司的灾难,必须快速止血且合法,有些正调整理赔范围以控制损失,有的则已停售防疫险。
coverage在保险金融字汇中,代表「理赔范围」,来自于动词cover「给…保险;承保」。
There is no coverage for the costs of healthcare in non-life insurance.
(财产保险不涵盖医疗保健费用。)
Typical travel insurance plans usually cover medical emergencies, trip cancellation, interruptions, delays, etc.
(典型的旅行保险计画通常涵盖医疗紧急情况、旅行取消、中断与延误等。)
【多益模拟试题】
1. Fearing steep losses from pandemic ________, most insurance companies are adjusting their offerings, and demand for COVID insurance is expected to cool.
(A) payouts
(B) pensions
(C) premiums
(D) provisions
2. Insurers have to provide financial compensation for stuff that’s lost as long as it ________ under your policy.
(A) covers
(B) is covering
(C) is covered
(D) has covered
解析:
1. 正解(A)。语意为「担心疫情保险给付额会导致巨额损失,多数保险公司都在调整他们的产品,防疫险的需求预期将会降温。」本题为字汇题,pandemic payouts「疫情保险给付额」符合句意,故(A)为正确答案。(B)「退休金,养老金,抚恤金」、(C)「保费」、(D)「规定,条款」。
2. 正解(C)。语意为「只要在保单范围内,保险公司就必须为你丢失的物品提供钱财上的补偿。」本题为文法题。依照语意与用法,cover表示「给…保险;承保」,要使用被动语态。故(C)为正确答案。
本图文出自:文/陈涵伟