deductible clause

简明释义

减扣赔偿条款

英英释义

例句

1.A higher deductible clause (免赔条款) can lower your premium, but it also means more out-of-pocket costs when you file a claim.

较高的免赔条款（免赔条款）可以降低你的保费，但这也意味着在提交索赔时需要承担更多的自付费用。

2.The deductible clause (免赔条款) in your health insurance means you'll pay a certain amount before the insurer covers the rest.

你健康保险中的免赔条款（免赔条款）意味着在保险公司承担剩余费用之前，你需要支付一定金额。

3.When reviewing your auto insurance policy, check the deductible clause (免赔条款) to see how much you'll need to pay out-of-pocket for repairs.

在审查你的汽车保险政策时，查看免赔条款（免赔条款），了解你需要自付多少修理费用。

4.Understanding the deductible clause (免赔条款) is crucial for budgeting your healthcare expenses effectively.

理解免赔条款（免赔条款）对于有效预算你的医疗费用至关重要。

5.Before signing the insurance policy, make sure you understand the deductible clause (免赔条款) and how it affects your coverage.

在签署保险政策之前，确保你理解免赔条款（免赔条款）及其对你的保障的影响。

作文

In the realm of insurance, understanding the various terms and conditions is crucial for policyholders. One such term that often comes up is the deductible clause, which can significantly impact how much a policyholder ultimately pays out of pocket in the event of a claim. A deductible clause (免赔条款) refers to the specific amount that an insured individual must pay before their insurance coverage kicks in. This clause is designed to share the risk between the insurer and the insured, encouraging policyholders to take precautions against potential losses.When purchasing an insurance policy, whether it be for health, auto, or home insurance, one of the first decisions a policyholder faces is the deductible amount. Higher deductibles generally lead to lower premium payments, while lower deductibles result in higher premiums. This trade-off is essential to consider based on individual financial situations and risk tolerance. For instance, a young driver may opt for a higher deductible clause (免赔条款) to keep monthly costs down, while an older homeowner might choose a lower deductible for peace of mind in case of unexpected damages.Moreover, the deductible clause (免赔条款) also plays a significant role in how claims are processed. If a policyholder experiences damage or loss, they must first pay the deductible amount before the insurance company will cover the remaining costs. This means that if the damage is less than the deductible, the policyholder will not receive any compensation from their insurer. This scenario highlights the importance of understanding one’s own financial capacity and the potential risks involved.Another important aspect of the deductible clause (免赔条款) is its variation among different types of insurance policies. For example, health insurance often has a yearly deductible that must be met before certain benefits are paid. In contrast, auto insurance may have a per-incident deductible. This variability can lead to confusion, making it essential for individuals to read and comprehend their insurance documents thoroughly.Additionally, some policies offer features such as a waiver of the deductible clause (免赔条款) in specific situations. For instance, certain health insurance plans might waive the deductible for preventive services, encouraging individuals to seek regular check-ups and screenings. Understanding these nuances can help policyholders maximize their benefits and minimize their out-of-pocket expenses.In conclusion, the deductible clause (免赔条款) is a fundamental element of many insurance policies that affects both premiums and claims. By carefully considering the implications of this clause during the policy selection process, individuals can make informed decisions that align with their financial goals and risk management strategies. It is advisable for policyholders to consult with insurance agents or financial advisors to ensure they fully understand how the deductible clause (免赔条款) operates within their specific policies, thereby enabling them to navigate the complexities of insurance with confidence.