first dollar coverage

简明释义

全额赔偿

英英释义

例句

1.Some auto insurance policies provide first dollar coverage for minor repairs, allowing drivers to get their cars fixed without worrying about deductibles.

一些汽车保险政策为小修小补提供首美元保障，使驾驶员可以在不担心免赔额的情况下修理汽车。

2.With first dollar coverage, your insurance kicks in right away without any deductible, making it easier to manage healthcare costs.

通过首美元保障，您的保险会立即生效，无需任何免赔额，从而更容易管理医疗费用。

3.Employers may choose to offer first dollar coverage as part of their employee benefits package to attract talent.

雇主可能会选择将首美元保障作为员工福利的一部分，以吸引人才。

4.Many health insurance plans offer first dollar coverage for preventive services, meaning you don’t have to pay anything out of pocket for check-ups.

许多健康保险计划为预防服务提供首美元保障，这意味着您在体检时无需自付任何费用。

5.The new policy includes first dollar coverage for mental health services, ensuring that employees can access care without upfront costs.

新政策包括心理健康服务的首美元保障，确保员工可以在没有前期费用的情况下获得护理。

作文

In the realm of insurance, understanding different types of coverage is crucial for both individuals and businesses. One term that often comes up in discussions about health insurance and other forms of coverage is first dollar coverage. This concept refers to a type of insurance policy that pays for the very first dollar of covered expenses, without requiring the insured to meet a deductible. Essentially, it means that as soon as a claim is made for a covered service, the insurance company will start paying right away. This can be particularly beneficial for individuals who may not have the financial means to pay out-of-pocket costs before their insurance kicks in.The advantages of first dollar coverage are numerous. For one, it provides peace of mind to policyholders, knowing that they will not face significant financial burdens when unexpected medical expenses arise. This type of coverage can encourage individuals to seek necessary medical care without the fear of incurring high costs upfront. Furthermore, it can promote preventative care, as people are more likely to visit healthcare providers for routine check-ups and screenings when they know that their insurance will cover these services from the first dollar.However, while first dollar coverage offers many benefits, it is essential to consider its implications on overall insurance costs. Policies that provide this type of coverage often come with higher premiums. Insurance companies must account for the increased risk associated with covering expenses from the outset. Therefore, individuals should carefully evaluate their financial situation and healthcare needs before opting for such plans. It is also important to compare different policies and understand what services are included under first dollar coverage to ensure that it aligns with one’s specific needs.In addition to health insurance, first dollar coverage can also apply to other areas, such as property insurance or liability insurance. For instance, a business might choose a policy that covers the first dollar of damages incurred from a covered event, thereby ensuring that they are protected from minor losses without having to worry about deductibles. This can be particularly advantageous for small businesses that may not have the financial cushion to absorb unexpected expenses.Ultimately, the decision to pursue first dollar coverage should be based on an individual’s or a company's unique circumstances. While it offers immediate financial protection, it is vital to weigh the cost against potential benefits. Consulting with an insurance professional can provide valuable insights and help make informed decisions. In conclusion, first dollar coverage is a significant concept in the insurance world that can offer substantial benefits, but it requires careful consideration to ensure it meets the needs and financial capabilities of policyholders.

在保险领域，理解不同类型的保险覆盖至关重要，无论是对个人还是企业。一个在讨论健康保险和其他形式的保险时经常出现的术语是first dollar coverage。这个概念指的是一种保险政策，它支付被保险人产生的第一美元的费用，而不要求被保险人满足免赔额。简单来说，这意味着一旦针对某项覆盖服务提出索赔，保险公司将立即开始支付。这对于那些在经济上无法承担自付费用的人来说，尤其是有利。first dollar coverage的优点有很多。首先，它为保单持有人提供了安心，知道在意外医疗费用发生时，他们不会面临巨大的经济负担。这种类型的保险可以鼓励个人在没有高额前期成本的恐惧下寻求必要的医疗护理。此外，它可以促进预防性护理，因为人们在知道他们的保险将从第一美元开始覆盖这些服务时，更有可能去看医生进行例行检查和筛查。然而，虽然first dollar coverage提供了许多好处，但考虑其对整体保险成本的影响也很重要。提供这种类型覆盖的政策通常伴随着更高的保费。保险公司必须考虑到从一开始就覆盖费用所带来的风险增加。因此，个人在选择此类计划之前，应仔细评估自己的财务状况和医疗需求。比较不同的政策并理解哪些服务包含在first dollar coverage之下，以确保它与个人的具体需求相符，也非常重要。除了健康保险，first dollar coverage还可以适用于其他领域，如财产保险或责任保险。例如，一家公司可能选择一种覆盖由受保事件造成的损失第一美元的政策，从而确保他们在没有担心免赔额的情况下受到保护。这对于可能没有经济缓冲来吸收意外费用的小企业尤其有利。最终，追求first dollar coverage的决定应基于个人或公司的独特情况。尽管它提供了即时的经济保护，但权衡成本与潜在收益也是至关重要的。咨询保险专业人士可以提供宝贵的见解，并帮助做出明智的决定。总之，first dollar coverage是保险界一个重要的概念，可以提供可观的好处，但需要仔细考虑，以确保它满足保单持有人的需求和财务能力。