out-of-pocket expenses

简明释义

付现费用

英英释义

例句

1.After the surgery, I was surprised by the high out-of-pocket expenses 自付费用 that weren't covered by insurance.

手术后，我对保险未覆盖的高额自付费用感到惊讶.

2.Traveling for work often leads to out-of-pocket expenses 自付费用 that I need to keep track of.

出差通常会导致我需要记录的自付费用.

3.When budgeting for a new car, remember to account for out-of-pocket expenses 自付费用 like taxes and registration.

在预算新车时，记得考虑像税和注册这样的自付费用.

4.The insurance covered most of the costs, but I still had some out-of-pocket expenses 自付费用 for medication.

保险覆盖了大部分费用，但我仍然有一些自付费用用于药物.

5.I had to pay for my doctor visit myself, so those were my out-of-pocket expenses 自付费用.

我不得不自己支付医生的费用，所以那些是我的自付费用.

作文

Understanding the concept of out-of-pocket expenses is essential for anyone managing personal finances or running a business. These expenses refer to costs that an individual must pay directly from their own funds, rather than having them covered by insurance or reimbursed by an employer. In today's world, where financial literacy is increasingly important, knowing how to navigate these costs can significantly impact one's budget and financial health.For example, when someone goes to the doctor, they may have health insurance that covers a significant portion of the medical bill. However, they might still be responsible for certain charges, such as co-pays, deductibles, or services not covered by their plan. These amounts that the patient pays directly are considered out-of-pocket expenses (自付费用). Understanding these costs helps individuals prepare for potential financial burdens associated with healthcare.Similarly, in the context of business, out-of-pocket expenses (自付费用) can arise when employees incur costs while performing their job duties. For instance, if an employee travels for work and pays for meals, lodging, or transportation out of their own pocket, those costs are classified as out-of-pocket expenses (自付费用). Companies often have policies in place to reimburse employees for these costs, but until reimbursement occurs, the employee bears the financial responsibility.It's also crucial to differentiate between out-of-pocket expenses (自付费用) and other types of expenses. For instance, fixed expenses, such as rent or mortgage payments, are typically predictable and recurring. In contrast, out-of-pocket expenses (自付费用) can be variable and unexpected, making it essential to maintain a flexible budget to accommodate these fluctuations.Moreover, being aware of out-of-pocket expenses (自付费用) can aid in financial planning. Individuals can set aside emergency funds to cover these costs, ensuring they are prepared for any unexpected expenses that may arise. This proactive approach can alleviate stress and provide peace of mind when facing financial uncertainties.In conclusion, grasping the meaning and implications of out-of-pocket expenses (自付费用) is vital for effective financial management. Whether in personal finance or business, recognizing these costs allows individuals to budget appropriately, plan for emergencies, and understand their financial obligations better. By incorporating this knowledge into everyday financial practices, one can achieve greater stability and confidence in managing their financial future.

理解自付费用的概念对于任何管理个人财务或经营企业的人来说都是至关重要的。这些费用是指个人必须直接用自己的资金支付的成本，而不是由保险覆盖或由雇主报销。在当今这个金融知识日益重要的世界里，了解如何应对这些费用可以显著影响一个人的预算和财务健康。例如，当某人去看医生时，他们可能有健康保险，可以覆盖医疗账单的大部分。然而，他们仍然可能需要承担某些费用，例如共付额、免赔额或保险计划不覆盖的服务。这些患者直接支付的金额被视为自付费用。理解这些费用有助于个人为与医疗保健相关的潜在财务负担做好准备。同样，在商业环境中，自付费用可能出现在员工在履行工作职责时产生的费用上。例如，如果一名员工因工作出差而支付餐费、住宿费或交通费，这些费用就被归类为自付费用。公司通常会有政策来报销员工的这些费用，但在报销发生之前，员工承担着财务责任。区分自付费用和其他类型的费用也至关重要。例如，固定费用，如租金或抵押贷款支付，通常是可预测和重复的。相比之下，自付费用可能是可变的和意外的，因此保持灵活的预算以适应这些波动是至关重要的。此外，意识到自付费用可以帮助进行财务规划。个人可以预留应急资金来覆盖这些费用，确保他们为可能出现的意外开支做好准备。这种积极主动的方法可以减轻压力，并在面对财务不确定性时提供安心。总之，掌握自付费用的含义和影响对于有效的财务管理至关重要。无论是在个人财务还是商业中，认识到这些费用使个人能够适当地制定预算，为紧急情况做计划，并更好地理解他们的财务义务。通过将这一知识融入日常财务实践中，人们可以在管理财务未来方面实现更大的稳定性和信心。