coinsure

简明释义

英[ˌkəʊɪnˈʃʊə]美[ˌkoʊɪnˈʃʊr]

v. 共同保险；共同担保

第 三 人 称 单 数 c o i n s u r e s

现 在 分 词 c o i n s u r i n g

过 去 式 c o i n s u r e d

过 去 分 词 c o i n s u r e d

英英释义

单词用法

同义词

反义词

例句

1.They chose to coinsure 共同投保 their properties to lower their premiums.

他们选择对自己的财产进行共同投保以降低保费。

2.By coinsuring 共同投保, they can share the financial burden in case of a loss.

通过共同投保，他们可以在发生损失时分担财务负担。

3.The health insurance plan allows members to coinsure 共同投保 certain treatments.

该健康保险计划允许成员对某些治疗进行共同投保。

4.In this partnership, both parties will coinsure 共同投保 the liabilities involved.

在这个合作中，双方将对涉及的责任进行共同投保。

5.The two companies decided to coinsure 共同投保 their new project to mitigate risks.

这两家公司决定对他们的新项目进行共同投保以降低风险。

作文

In today's complex world, understanding financial terms is crucial for making informed decisions. One such term that often comes up in discussions about insurance is coinsure. To coinsure means to share the risk of an insurance policy between two or more parties. This concept is particularly important in the realm of health insurance, where multiple insurers may cover a single policyholder's medical expenses. By coinsuring, these companies can mitigate their own risks while providing comprehensive coverage to the insured individual.For instance, imagine a scenario where a person undergoes a major surgery that costs a significant amount of money. If this individual has a health insurance policy that is coinsured by two different companies, the financial burden of the surgery will be divided between them. This arrangement not only helps the insurance companies manage their liabilities but also ensures that the policyholder has access to better healthcare without facing overwhelming out-of-pocket expenses.The process of coinsuring can be beneficial for both insurers and insured individuals. From the insurer's perspective, coinsuring allows them to spread their risk across multiple policies, reducing the likelihood of incurring large losses from any single claim. This is especially relevant in sectors like health insurance, where the costs of treatments can vary widely and are often unpredictable. Moreover, by collaborating with other insurers, they can create more attractive packages for customers, enhancing their competitive edge in the market.On the other hand, for the insured, coinsuring can lead to lower premiums and better coverage options. When multiple insurers are involved, they might offer more comprehensive plans that cover a wider range of services. Additionally, the shared risk model encourages insurers to provide better service, as they work together to ensure that the policyholder receives the best possible care. This collaboration can lead to improved healthcare outcomes, as patients are more likely to seek necessary treatments when they know their costs are covered by multiple sources.However, there are challenges associated with coinsuring that must be addressed. Coordination between different insurers can sometimes lead to confusion regarding claims processing. Policyholders may find it difficult to navigate the complexities of having multiple insurance providers, which could result in delays or misunderstandings when seeking reimbursement for medical expenses. Therefore, it is essential for all parties involved to maintain clear communication and establish efficient systems for managing claims.In conclusion, the concept of coinsure plays a vital role in the insurance industry, particularly in health insurance. It allows for risk sharing among insurers, which can lead to lower costs and better coverage for policyholders. As we continue to navigate the complexities of healthcare, understanding terms like coinsure becomes increasingly important. Being informed about how insurance works can empower individuals to make better choices regarding their health and financial well-being. Overall, coinsuring represents a collaborative approach to risk management that benefits both insurers and the insured, ultimately leading to a more sustainable healthcare system.

在当今复杂的世界中，理解金融术语对于做出明智的决策至关重要。一个在保险讨论中经常出现的术语是coinsure。coinsure的意思是将保险政策的风险在两个或多个方之间分担。这个概念在健康保险领域尤为重要，因为多个保险公司可能会共同承担单一投保人的医疗费用。通过coinsuring，这些公司可以降低自身的风险，同时为被保险人提供全面的保障。例如，设想一个场景，一个人接受了一次重大手术，费用巨大。如果该个人拥有一份由两家不同公司coinsured的健康保险政策，那么手术的财务负担将由他们共同承担。这种安排不仅有助于保险公司管理其责任，还确保投保人在面临巨额自付费用时能够获得更好的医疗服务。Coinsuring的过程对保险公司和被保险人都有好处。从保险公司的角度来看，coinsuring使他们能够在多个保单之间分散风险，降低因单一索赔而造成重大损失的可能性。这在健康保险等领域尤其相关，因为治疗费用差异很大且往往不可预测。此外，通过与其他保险公司合作，他们可以为客户创建更具吸引力的套餐，从而增强市场竞争力。另一方面，对于被保险人来说，coinsuring可以导致较低的保费和更好的覆盖选项。当多个保险公司参与时，他们可能会提供更全面的计划，涵盖更广泛的服务。此外，共享风险模型鼓励保险公司提供更好的服务，因为他们共同努力确保投保人获得最佳的护理。这种合作可以改善医疗结果，因为患者在知道自己的费用由多个来源覆盖时，更有可能寻求必要的治疗。然而，coinsuring也存在一些需要解决的挑战。不同保险公司之间的协调有时会导致索赔处理上的混乱。投保人可能会发现很难在拥有多个保险提供者的情况下导航，这可能导致延误或在寻求医疗费用报销时产生误解。因此，所有相关方都必须保持清晰的沟通，并建立高效的索赔管理系统。总之，coinsure的概念在保险行业中发挥着重要作用，特别是在健康保险方面。它允许保险公司之间分担风险，从而为投保人提供更低的费用和更好的保障。随着我们继续应对医疗保健的复杂性，理解像coinsure这样的术语变得越来越重要。了解保险运作方式可以使个人在健康和财务福祉方面做出更好的选择。总体而言，coinsuring代表了一种协作的风险管理方法，既有利于保险公司，也有利于被保险人，最终导致一个更可持续的医疗保健系统。