uncollected premium

简明释义

未收保费

英英释义

例句

1.To improve profitability, the management team focused on reducing uncollected premium through better collection strategies.

为了提高盈利能力，管理团队专注于通过更好的收款策略减少未收保费。

2.Due to the economic downturn, many clients have uncollected premium that they are unable to pay.

由于经济衰退，许多客户有未收保费无法支付。

3.The insurance company reported a significant amount of uncollected premium, which impacted their cash flow.

保险公司报告了大量的未收保费，这影响了他们的现金流。

4.Our financial report shows that the uncollected premium has increased by 15% this quarter.

我们的财务报告显示，本季度未收保费增加了15%。

5.The accountant was tasked with reviewing the records for any uncollected premium from previous years.

会计被指派审查过去几年的任何未收保费记录。

作文

In the world of insurance, the term uncollected premium refers to the amount of money that an insurance company has not yet received from policyholders for coverage provided. This situation can arise for various reasons, such as policyholders forgetting to make their payments, financial difficulties preventing timely payment, or even disputes regarding the terms of the policy. Understanding the implications of uncollected premium is crucial for both insurers and policyholders alike.For insurance companies, uncollected premium represents a potential loss of revenue. When premiums are not collected on time, it can disrupt the cash flow necessary for the company to operate effectively. Insurers rely on these payments to cover claims made by policyholders, pay operational costs, and invest in future growth. If a significant portion of premiums remains uncollected, it could lead to financial instability for the insurer. Therefore, companies often implement strict policies and reminders to encourage timely payments from their clients.On the other hand, for policyholders, understanding uncollected premium is equally important. If a policyholder fails to pay their premium, they may risk losing their coverage. This means that in the event of an accident or unforeseen circumstance, they may not be able to rely on their insurance to protect them financially. Additionally, late payments can result in penalties or increased premiums in the future, creating a cycle of financial strain for the policyholder.The relationship between insurers and policyholders is built on trust and responsibility. When a policyholder signs up for insurance, they agree to pay their premiums in exchange for coverage. However, when premiums go uncollected, it can create tension in this relationship. Insurers must balance their need for revenue with the understanding that some policyholders may genuinely struggle to make payments. This is why many companies offer flexible payment plans or grace periods to accommodate those facing financial hardships.Moreover, advances in technology have changed how both insurers and policyholders manage uncollected premium. Many companies now utilize automated billing systems that send reminders to policyholders about upcoming payments. These systems can help reduce the incidence of uncollected premiums by ensuring that customers are aware of their obligations. Additionally, mobile apps and online portals allow policyholders to easily track their payment history and set up automatic payments, further decreasing the likelihood of missed premiums.In conclusion, the concept of uncollected premium plays a significant role in the insurance industry. For insurers, it poses a challenge to maintaining financial stability, while for policyholders, it can jeopardize their coverage and financial security. Both parties must work together to ensure that premiums are collected on time, fostering a healthy insurance environment. By leveraging technology and understanding the importance of timely payments, insurers and policyholders can navigate the complexities of insurance coverage more effectively. Ultimately, the goal is to create a system where both insurers can thrive financially and policyholders can feel secure in their coverage, minimizing the occurrence of uncollected premium in the process.

在保险行业中，术语未收取保费指的是保险公司尚未从投保人那里收到的保险费用。这种情况可能由于多种原因而产生，例如投保人忘记支付、经济困难导致无法及时付款，甚至是对保单条款的争议。理解未收取保费的影响对保险公司和投保人来说都至关重要。对于保险公司而言，未收取保费代表着潜在的收入损失。当保费未能按时收取时，可能会干扰公司有效运营所需的现金流。保险公司依赖这些支付来覆盖投保人提出的索赔、支付运营成本以及投资未来发展。如果大量保费未被收取，可能会导致保险公司的财务不稳定。因此，公司通常会实施严格的政策和提醒，以鼓励客户及时付款。另一方面，对于投保人来说，理解未收取保费同样重要。如果投保人未能支付保费，他们可能会面临失去保险保障的风险。这意味着在发生事故或不可预见的情况下，他们可能无法依靠保险来保护自己的财务。此外，逾期付款可能导致罚款或未来保费增加，从而给投保人带来经济压力。保险公司与投保人之间的关系建立在信任与责任之上。当投保人申请保险时，他们同意支付保费以换取保障。然而，当保费未被收取时，这种关系可能会产生紧张。保险公司必须平衡其对收入的需求与理解某些投保人可能确实面临支付困难的现实。这就是为什么许多公司提供灵活的付款计划或宽限期，以适应那些面临经济困难的人。此外，科技的进步改变了保险公司和投保人管理未收取保费的方式。许多公司现在利用自动账单系统向投保人发送即将到期付款的提醒。这些系统有助于减少未收取保费的发生，因为它们确保客户了解自己的义务。此外，移动应用程序和在线门户使投保人能够轻松跟踪他们的付款历史并设置自动付款，进一步降低错过保费的可能性。总之，未收取保费的概念在保险行业中扮演着重要角色。对于保险公司来说，它对维持财务稳定构成挑战，而对于投保人来说，它可能危及他们的保障和财务安全。双方必须共同努力，确保保费按时收取，从而促进健康的保险环境。通过利用科技并理解及时付款的重要性，保险公司和投保人可以更有效地应对保险保障的复杂性。最终目标是创造一个保险公司能够在财务上蓬勃发展、投保人能够在保障上感到安全的系统，从而尽量减少未收取保费的发生。