personal accident insurance

简明释义

个人人身意外伤害保险,个人伤害保险

英英释义

例句

1.I was relieved to have personal accident insurance when I slipped and fell while jogging.

当我在慢跑时摔倒时，拥有人身意外保险让我感到宽慰。

2.Traveling abroad can be risky, so it's wise to get personal accident insurance before your trip.

出国旅行可能存在风险，因此在旅行前购买人身意外保险是明智的选择。

3.Before going on a hiking trip, I decided to purchase personal accident insurance to protect myself in case of any injuries.

在去徒步旅行之前，我决定购买人身意外保险以保护自己免受任何伤害。

4.My friend had to file a claim for his medical expenses after an accident, thanks to his personal accident insurance.

我的朋友在事故后不得不申请医疗费用索赔，多亏了他的人身意外保险。

5.Many employers offer personal accident insurance as part of their employee benefits package.

许多雇主将人身意外保险作为员工福利计划的一部分。

作文

In today's fast-paced world, unforeseen accidents can happen at any moment, leading to significant financial burdens for individuals and their families. This is where personal accident insurance comes into play. It serves as a safety net, providing financial support in the event of an accidental injury or death. Understanding the importance of personal accident insurance can make a crucial difference in how one manages the risks associated with daily life.Firstly, it is essential to recognize what personal accident insurance entails. This type of insurance policy typically covers accidental injuries that result in medical expenses, loss of income, or even permanent disability. For instance, if someone were to suffer an accident while commuting to work, their personal accident insurance could help cover hospital bills and rehabilitation costs. Additionally, in the unfortunate event of accidental death, this insurance can provide a financial payout to the insured's beneficiaries, helping them cope with the sudden loss of income.Moreover, the benefits of personal accident insurance extend beyond just financial assistance. It also offers peace of mind. Knowing that you have coverage in case of an accident allows individuals to engage in daily activities with less fear. Whether it's participating in sports, traveling, or simply going about daily chores, having this insurance can alleviate anxiety about potential mishaps.Another significant aspect of personal accident insurance is its affordability. Compared to other types of insurance policies, such as health or life insurance, personal accident insurance often comes with lower premiums. This makes it accessible to a broader range of people, allowing more individuals to protect themselves against the uncertainties of life. As a result, many families opt for this insurance as part of their overall risk management strategy.Furthermore, personal accident insurance can complement existing health insurance plans. While health insurance may cover medical expenses, it might not specifically address the financial implications of an accident. By having personal accident insurance, policyholders can ensure that they are fully covered in case of an accident, filling in the gaps that health insurance might leave behind.In conclusion, personal accident insurance is a vital component of personal financial planning. It provides essential coverage for accidental injuries and fatalities, ensuring that individuals and their families are financially protected in times of crisis. With its affordability and additional benefits, personal accident insurance offers peace of mind, allowing people to live their lives without the constant worry of what could go wrong. As we navigate through life, it is wise to consider how personal accident insurance can safeguard our future and that of our loved ones. By investing in this form of insurance, we take a proactive step toward securing our financial well-being against the unpredictable nature of accidents.

在当今快节奏的世界中，意外事故随时可能发生，这会给个人及其家庭带来巨大的经济负担。这就是个人意外保险发挥作用的地方。它作为一个安全网，在发生意外伤害或死亡的情况下提供经济支持。理解个人意外保险的重要性可以在个人管理日常生活风险时产生关键性的差异。首先，有必要认识到个人意外保险的内容。这种类型的保险通常涵盖导致医疗费用、收入损失或甚至永久残疾的意外伤害。例如，如果某人在上班途中遭遇意外，他们的个人意外保险可以帮助支付医院账单和康复费用。此外，在意外死亡的不幸事件中，这种保险可以向被保险人的受益人提供经济赔偿，帮助他们应对突然失去收入的情况。此外，个人意外保险的好处超越了财务援助。它还提供了内心的平静。知道自己在发生意外时有保障，可以让个人更少地担心日常活动。无论是参加体育活动、旅行还是简单的日常琐事，拥有这种保险都能减轻对潜在事故的焦虑。个人意外保险的另一个重要方面是它的可负担性。与其他类型的保险，如健康保险或人寿保险相比，个人意外保险通常具有较低的保费。这使得它对更广泛的人群更具可及性，使更多的人能够保护自己免受生活的不确定性。因此，许多家庭选择将这种保险作为整体风险管理策略的一部分。此外，个人意外保险可以补充现有的健康保险计划。虽然健康保险可能涵盖医疗费用，但它可能不会特别解决事故的财务影响。通过拥有个人意外保险，投保人可以确保在发生意外时得到全面的保障，填补健康保险可能留下的空白。总之，个人意外保险是个人财务规划的重要组成部分。它为意外伤害和死亡提供了必要的保障，确保个人及其家庭在危机时刻得到经济保护。凭借其可负担性和额外的好处，个人意外保险提供了内心的平静，让人们能够生活得更加自在，而不必时刻担心可能发生的事情。在我们生活中，考虑个人意外保险如何保护我们和我们所爱之人的未来是明智的。通过投资这种形式的保险，我们迈出了保护自己财务安全的主动一步，以应对意外事故的不可预测性。