joint guarantee; coinsurance; coinsure

简明释义

共同担保

英英释义

例句

1.In this health insurance policy, there is a coinsurance 共保 clause that requires the insured to pay 20% of the medical bills.

在这份健康保险政策中，有一条共保 coinsurance 条款，要求被保险人支付20%的医疗费用。

2.Both companies signed a joint guarantee 联合担保 to secure the financing for their joint project.

两家公司签署了联合担保 joint guarantee 合同，以确保他们的联合项目融资。

3.A joint guarantee 联合担保 can help reduce the risk for lenders when providing a loan.

当贷款时，联合担保 joint guarantee 可以帮助降低贷方的风险。

4.The coinsurance 共保 percentage varies depending on the type of service received.

不同类型的服务所需的共保 coinsurance 百分比各不相同。

5.The bank required a joint guarantee 联合担保 from both partners to approve the loan.

银行要求两位合伙人提供联合担保 joint guarantee 才能批准贷款。

作文

In the realm of finance and insurance, understanding various terms is crucial for both individuals and businesses. One such term is joint guarantee, which refers to a situation where two or more parties agree to take on the responsibility of fulfilling a financial obligation together. This can often be seen in loan agreements where multiple borrowers sign the same contract, ensuring that if one party fails to make payments, the others are legally bound to cover the debt. The concept of joint guarantee is important because it provides lenders with additional security, thereby potentially lowering interest rates for borrowers who qualify under this arrangement. In Chinese, joint guarantee translates to "联合担保". Another related term is coinsurance. This term is commonly used in health insurance and refers to a type of cost-sharing between the insurer and the insured. Under a coinsurance agreement, after the deductible has been met, both parties share the costs of covered services at a specified percentage. For example, if a health insurance policy has a coinsurance rate of 80/20, the insurer will pay 80% of the medical expenses, while the insured will be responsible for the remaining 20%. This arrangement encourages insured individuals to be more mindful of their healthcare spending. In Chinese, coinsurance is translated as "共保". Lastly, the term coinsure is often used interchangeably with coinsurance, though it can also refer to the specific act of sharing an insurance policy among multiple parties. For instance, in a business partnership, several partners may coinsure a property or asset, meaning they all hold a stake in the insurance coverage. This ensures that if a claim is made, all parties involved will receive compensation proportional to their ownership stake. The significance of coinsure lies in its ability to distribute risk among multiple parties, thereby making it easier for each individual to manage their financial exposure. In Chinese, coinsure can be translated as "共同投保". Understanding these terms is essential for anyone navigating the complexities of financial agreements and insurance policies. By grasping the implications of joint guarantee, coinsurance, and coinsure, individuals and businesses alike can make informed decisions that protect their interests and mitigate risks. Knowledge of these concepts not only aids in personal financial planning but also enhances one’s ability to engage in negotiations and contracts confidently. As we continue to explore the intricacies of finance, let us remember the importance of clarity in terms and the impact they have on our financial well-being. In summary, being well-versed in terms like joint guarantee, coinsurance, and coinsure empowers us to navigate the financial landscape effectively and responsibly.

在金融和保险领域，理解各种术语对个人和企业至关重要。其中一个术语是联合担保，指的是两个或多个当事方同意共同承担履行财务义务的责任。这种情况通常出现在贷款协议中，其中多个借款人签署同一合同，确保如果一方未能按时还款，其他方在法律上有义务偿还债务。联合担保的概念非常重要，因为它为贷方提供了额外的安全保障，从而可能降低符合此安排的借款人的利率。在中文中，联合担保的翻译是“联合担保”。另一个相关术语是共保。这个术语通常用于健康保险，指的是保险公司与被保险人之间的一种费用分摊方式。在共保协议下，在满足免赔额后，双方按照规定的比例共同承担所覆盖服务的费用。例如，如果健康保险政策的共保比例为80/20，则保险公司将支付80%的医疗费用，而被保险人需要承担剩余的20%。这种安排鼓励被保险人更加关注他们的医疗支出。在中文中，共保的翻译是“共保”。最后，术语共同投保通常与共保交替使用，尽管它也可以指多个当事方共享保险政策的具体行为。例如，在商业合作伙伴关系中，几个合伙人可能会共同投保一项财产或资产，这意味着他们都在保险覆盖范围内拥有股份。这确保了如果提出索赔，所有相关方将根据其所有权份额获得相应的赔偿。共同投保的重要性在于它能够在多个当事方之间分散风险，从而使每个个人更容易管理其财务风险。在中文中，共同投保可以翻译为“共同投保”。理解这些术语对于任何在复杂的财务协议和保险政策中导航的人来说都是至关重要的。通过掌握联合担保、共保和共同投保的含义，个人和企业都可以做出明智的决策，以保护自身利益并降低风险。了解这些概念不仅有助于个人财务规划，还增强了自信地参与谈判和合同的能力。当我们继续探索金融的复杂性时，让我们记住术语清晰的重要性及其对我们财务健康的影响。总之，熟悉像联合担保、共保和共同投保这样的术语使我们能够有效且负责任地驾驭金融环境。