group insurance

简明释义

团体保险

英英释义

例句

1.Joining a professional association can provide you with access to group insurance 团体保险 plans at lower rates.

加入专业协会可以让你以更低的价格获得团体保险计划。

2.Our organization provides group insurance 团体保险 for members, which includes health and dental coverage.

我们的组织为会员提供团体保险，包括健康和牙科保险。

3.When you enroll in group insurance 团体保险, the premiums are usually lower than individual plans.

当你参加团体保险时，保费通常低于个人计划。

4.Many companies offer group insurance 团体保险 as part of their employee benefits package.

许多公司将团体保险作为员工福利的一部分。

5.The group insurance 团体保险 policy covers all employees under one contract.

该团体保险政策涵盖所有员工在一份合同下。

作文

Group insurance is a type of insurance that provides coverage to a group of individuals, typically under a single policy. This form of insurance is commonly utilized by employers to offer benefits to their employees, allowing them to access health care, life insurance, or other types of coverage at a reduced cost. The concept of group insurance (团体保险) is founded on the principle of risk pooling, where the risks associated with insuring a large number of people are spread out, thereby lowering the overall cost for each individual member of the group.One of the main advantages of group insurance (团体保险) is that it often comes with lower premiums compared to individual insurance plans. This is largely because the insurer can predict and manage the risks more effectively when covering a larger group of people. For example, a company may offer group insurance (团体保险) as part of its employee benefits package. In doing so, employees benefit from reduced costs, and the employer can enhance job satisfaction and retention rates.Another significant benefit of group insurance (团体保险) is that it often does not require medical examinations for participants. This means that even individuals with pre-existing health conditions can obtain coverage, which might not be possible with individual insurance policies. This inclusivity is particularly important in ensuring that all members of the group have access to necessary healthcare services.However, there are also some limitations to group insurance (团体保险). Coverage options may be more limited than those available in individual plans. Additionally, if an individual leaves the group—such as when they change jobs—they may lose their coverage or have to find a new plan, which can be a significant disadvantage. Therefore, while group insurance (团体保险) is beneficial, it is essential for individuals to understand the terms and conditions associated with their specific policy.In conclusion, group insurance (团体保险) serves as an effective way to provide coverage to a large number of people while managing costs and risks. It offers numerous advantages, including lower premiums and easier access to coverage for individuals with health issues. However, potential drawbacks such as limited coverage options and dependency on group membership should also be considered. As healthcare continues to evolve, understanding the role and implications of group insurance (团体保险) will be crucial for both employees and employers alike.

团体保险是一种为一组个人提供保障的保险类型，通常在单一保单下进行。这种形式的保险通常由雇主利用，以向员工提供福利，使他们能够以较低的成本获得医疗保健、寿险或其他类型的保障。团体保险的概念基于风险分摊的原则，即将为大量人群投保所涉及的风险分散，从而降低每位成员的整体成本。团体保险的主要优势之一是，与个人保险计划相比，它通常具有更低的保费。这主要是因为保险公司在覆盖更多的人时，可以更有效地预测和管理风险。例如，一家公司可能会将团体保险作为其员工福利计划的一部分。通过这样做，员工可以享受到降低的费用，而雇主则可以提高员工的工作满意度和留任率。团体保险的另一个显著好处是，它通常不要求参与者进行体检。这意味着即使是有既往健康状况的个人也可以获得保障，这在个人保险政策中可能无法实现。这种包容性对于确保所有成员能够获得必要的医疗服务尤其重要。然而，团体保险也存在一些局限性。与个人计划相比，保障选项可能更加有限。此外，如果个人离开团体（例如换工作），他们可能会失去保障或不得不寻找新计划，这可能是一个重大缺点。因此，尽管团体保险是有利的，但个人需要理解与其特定保单相关的条款和条件。总之，团体保险作为一种有效的方式，为大量人群提供保障，同时管理成本和风险。它提供了许多优势，包括更低的保费和更容易获得保障的机会，尤其是对健康问题的人。然而，潜在的缺点，如保障选项有限和对团体成员身份的依赖，也应予以考虑。随着医疗保健的不断发展，理解团体保险的角色和影响对于员工和雇主来说都将至关重要。