amount insured; sum insured

简明释义

投保金额

英英释义

例句

1.Before signing the contract, make sure you understand the sum insured (保险总额) and its implications.

在签署合同之前，请确保您了解保险总额（保险总额）及其影响。

2.You should periodically review your sum insured (保险总额) to ensure it reflects the current value of your assets.

您应该定期审查您的保险总额（保险总额），以确保其反映您资产的当前价值。

3.The amount insured (保险金额) for personal property is typically lower than for the structure itself.

个人财产的保险金额（保险金额）通常低于建筑本身的保险金额。

4.In case of a total loss, the amount insured (保险金额) will be paid out in full.

如果发生全损，保险金额（保险金额）将全额支付。

5.The insurance policy covers damages up to the amount insured (保险金额) of $100,000.

该保险政策涵盖高达保险金额（保险金额）的损失，最高为100,000美元。

作文

Understanding insurance is crucial in today’s world, where uncertainties are a part of our daily lives. One of the key concepts in insurance is the amount insured, also known as the sum insured. This term refers to the maximum amount that an insurance policy will pay out in the event of a claim. It is essential for individuals and businesses to comprehend this concept to ensure adequate coverage against potential risks.When purchasing an insurance policy, whether it is for health, life, property, or any other type of insurance, the amount insured determines the level of financial protection one can expect. For instance, if a homeowner insures their property for $300,000, this figure represents the sum insured. In the unfortunate event of a total loss due to fire or theft, the insurance company will compensate the homeowner up to this amount, provided all terms and conditions are met.The significance of understanding the amount insured lies in its implications for risk management. If the sum insured is set too low, policyholders may find themselves underinsured, meaning they would have to cover the difference between the loss and the insurance payout out of pocket. Conversely, over-insuring can lead to unnecessary premium payments, which could strain finances without providing additional benefits.To accurately determine the appropriate amount insured, individuals should assess the value of their assets comprehensively. This includes considering not only the current market value but also potential future increases in value. For example, when insuring a vehicle, one should account for depreciation as well as the cost of replacement parts and labor.Another critical aspect of the sum insured is that it can vary based on the type of insurance. In health insurance, for example, the amount insured might refer to the maximum medical expenses covered within a policy year. Understanding this limit helps individuals plan for their healthcare needs without facing unexpected costs.Furthermore, many insurance policies include clauses that allow for adjustments to the amount insured over time. This feature is particularly useful in property insurance, where the value of a home can appreciate significantly. Policyholders should review their policies regularly to ensure that the sum insured reflects the current value of their assets, thus avoiding the pitfalls of underinsurance.In conclusion, the terms amount insured and sum insured are fundamental components of any insurance policy. They represent the financial safety net that protects individuals and businesses from unforeseen events. By understanding these concepts and regularly assessing their insurance needs, policyholders can make informed decisions that enhance their financial security. Ultimately, being proactive about insurance coverage can provide peace of mind and protect against the uncertainties of life.

了解保险在当今世界至关重要，因为不确定性是我们日常生活的一部分。保险中的一个关键概念是保险金额，也称为保险总额。这个术语指的是保险政策在索赔事件中将支付的最高金额。个人和企业理解这一概念对于确保充分覆盖潜在风险至关重要。在购买保险政策时，无论是健康、生命、财产或其他类型的保险，保险金额决定了可以期望的财务保护水平。例如，如果房主为其财产投保30万美元，这个数字代表了保险总额。在发生火灾或盗窃等不幸事件时，保险公司将在满足所有条款和条件的情况下，赔偿房主最高达此金额。理解保险金额的重要性在于其对风险管理的影响。如果保险总额设定得过低，投保人可能发现自己未被充分投保，这意味着他们必须自掏腰包来弥补损失与保险赔付之间的差额。相反，过度投保可能导致不必要的保费支出，这可能会在没有提供额外利益的情况下给财务带来压力。为了准确确定适当的保险金额，个人应全面评估其资产的价值。这不仅包括考虑当前市场价值，还要考虑未来潜在的增值。例如，在为车辆投保时，应考虑折旧以及替换零件和人工的成本。保险总额的另一个关键方面是，它可以根据保险类型而有所不同。在健康保险中，例如，保险金额可能指的是一年内所覆盖的最高医疗费用。理解这一限额有助于个人规划他们的医疗需求，而不会面临意外费用。此外，许多保险政策包括允许随时间调整保险金额的条款。这个特性在财产保险中特别有用，因为房屋的价值可能会显著上涨。投保人应定期审查其保单，以确保保险总额反映其资产的当前价值，从而避免未投保的陷阱。总之，保险金额和保险总额这两个术语是任何保险政策的基本组成部分。它们代表着保护个人和企业免受不可预见事件的财务安全网。通过理解这些概念并定期评估其保险需求，投保人可以做出明智的决策，增强其财务安全。最终，积极主动地处理保险覆盖可以提供安心，并保护自己免受生活的不确定性。