insurance indemnity; insured indemnity

简明释义

保险赔偿

英英释义

例句

1.The insurance indemnity provided by the company helped him recover from the financial loss after the fire.

公司提供的保险赔偿帮助他从火灾后的经济损失中恢复过来。

2.After the car accident, she was relieved to know that her insured indemnity would cover the repair costs.

车祸后，她松了一口气，知道她的投保赔偿将涵盖修理费用。

3.Understanding your insured indemnity is crucial before making any claims.

在申请索赔之前，了解你的投保赔偿是至关重要的。

4.She was surprised at how quickly the insurance indemnity was processed after her claim submission.

在她提交索赔后，保险赔偿处理得如此迅速让她感到惊讶。

5.The policyholder filed a claim to receive insurance indemnity for the damages caused by the storm.

投保人提交索赔以获得保险赔偿，以弥补风暴造成的损失。

作文

Insurance is a crucial aspect of modern life, providing individuals and businesses with financial protection against unforeseen events. One of the key concepts in the insurance industry is insurance indemnity (保险赔偿), which refers to the compensation provided by an insurer to the insured for a loss covered under the terms of the insurance policy. This mechanism ensures that the insured can recover from financial setbacks caused by accidents, natural disasters, or other unexpected incidents. Understanding insurance indemnity is essential for anyone looking to navigate the complexities of insurance policies effectively.When a policyholder experiences a loss, they file a claim with their insurance company. The insurer then assesses the claim and determines whether it falls within the scope of the policy. If approved, the insurer provides compensation, ensuring that the policyholder is made whole again, or at least as close to it as possible. This process highlights the importance of understanding the specific terms and conditions outlined in the insurance policy, as these will dictate what losses are covered and how much compensation can be expected.Another important term related to this concept is insured indemnity (被保险人赔偿), which specifically refers to the indemnity owed to the insured party. The insured indemnity is calculated based on the extent of the loss and the limits set forth in the insurance agreement. It is vital for insured individuals to be aware of their coverage limits and any deductibles that may apply, as these factors can significantly impact the final amount received after a claim.The principle of indemnity is fundamental to insurance. It is designed to prevent the insured from profiting from a loss, ensuring that they only receive compensation equivalent to their actual loss. For example, if a homeowner suffers damage to their property due to a fire, the insurance indemnity will cover the cost of repairs or replacement up to the policy limit. However, if the homeowner tries to claim more than the actual loss, this would violate the principle of indemnity.Moreover, understanding insurance indemnity and insured indemnity can help individuals make informed decisions when selecting insurance policies. By comparing different policies, potential policyholders can assess which options provide the best coverage for their specific needs. This knowledge empowers consumers to choose policies that not only offer adequate protection but also align with their financial circumstances.In conclusion, the concepts of insurance indemnity and insured indemnity play a vital role in the insurance landscape. They ensure that individuals and businesses can recover from losses while maintaining fairness within the system. As we navigate through life’s uncertainties, having a solid understanding of these terms can help us make better choices regarding our insurance needs, ultimately providing peace of mind in times of distress.

保险是现代生活中一个至关重要的方面，为个人和企业提供了针对不可预见事件的财务保护。在保险行业中，一个关键概念是保险赔偿（insurance indemnity），它指的是保险公司根据保险政策的条款向被保险人提供的赔偿。这一机制确保被保险人能够从由于事故、自然灾害或其他意外事件造成的财务损失中恢复过来。理解保险赔偿对任何希望有效应对保险政策复杂性的人来说都是至关重要的。当投保人遭受损失时，他们会向保险公司提出索赔。保险公司随后评估索赔并确定其是否在保单的范围内。如果获得批准，保险公司将提供赔偿，确保投保人能够恢复到原来的状态，或者至少尽可能接近。这一过程突显了理解保险政策中具体条款和条件的重要性，因为这些将决定哪些损失是有保障的，以及可以期待多少赔偿。与此概念相关的另一个重要术语是被保险人赔偿（insured indemnity），它专门指的是应付给被保险方的赔偿。被保险人赔偿的计算基于损失的程度和保险协议中规定的限额。被保险人了解其保障限额和可能适用的免赔额是至关重要的，因为这些因素会显著影响索赔后最终获得的金额。赔偿原则是保险的基本原则。它旨在防止被保险人因损失而获利，确保他们仅获得相当于实际损失的赔偿。例如，如果房主因火灾遭受财产损失，保险赔偿将覆盖维修或更换的费用，最高不超过保单限额。然而，如果房主试图索赔超过实际损失的金额，这将违反赔偿原则。此外，理解保险赔偿和被保险人赔偿可以帮助个人在选择保险政策时做出明智的决策。通过比较不同的政策，潜在的投保人可以评估哪些选项为其特定需求提供最佳保障。这种知识使消费者能够选择不仅提供足够保护的政策，同时也符合他们的财务状况。总之，保险赔偿和被保险人赔偿的概念在保险领域中发挥着至关重要的作用。它们确保个人和企业能够从损失中恢复，同时维护系统内的公平性。随着我们在生活的不确定性中前行，充分理解这些术语可以帮助我们在保险需求上做出更好的选择，最终在困境中提供安心。