deductible average

简明释义

可扣除的海损

英英释义

例句

1.In health insurance, the deductible average 免赔额平均值 is calculated to determine how much policyholders typically pay out-of-pocket before coverage kicks in.

在健康保险中，免赔额平均值 deductible average 的计算用于确定保单持有人在保险生效前通常需要自付多少费用。

2.The deductible average 免赔额平均值 can vary significantly from one region to another based on local healthcare costs.

由于地方医疗成本的不同，免赔额平均值 deductible average 在不同地区可能会有显著差异。

3.For auto insurance, the deductible average 免赔额平均值 helps insurers assess risk and set appropriate premiums.

对于汽车保险，免赔额平均值 deductible average 有助于保险公司评估风险并设定合适的保费。

4.When filing a claim, understanding the deductible average 免赔额平均值 can help you estimate your financial responsibility.

在提交索赔时，了解 免赔额平均值 deductible average 可以帮助你估算自己的财务责任。

5.Insurance companies often publish the deductible average 免赔额平均值 for different types of policies to inform customers.

保险公司通常会公布不同类型保单的 免赔额平均值 deductible average 以告知客户。

作文

In the world of finance and insurance, understanding various terms is crucial for making informed decisions. One such term that often comes up is deductible average, which plays a significant role in determining how much an individual or business will pay out-of-pocket before their insurance coverage kicks in. To grasp this concept fully, it is essential to break it down and see how it applies in real-life scenarios.A deductible average refers to the average amount that policyholders are required to pay as a deductible across a certain period or within a specific group of policies. The deductible is the initial amount that must be paid by the insured before the insurance company starts to cover the remaining costs. For instance, if a person has a health insurance policy with a $1,000 deductible, they must pay the first $1,000 of their medical expenses before the insurer pays anything.Understanding the deductible average can help individuals select the right insurance plan that fits their financial situation. For example, if someone knows that the average deductible in their area is $500, they might prefer a plan with a lower deductible to avoid high out-of-pocket costs in the event of a medical emergency. Conversely, a higher deductible plan might have lower monthly premiums, which could be appealing to those who do not expect to utilize their insurance frequently.Insurance companies often calculate the deductible average based on claims data and customer profiles. This information helps them design policies that meet the needs of different demographics. For instance, younger individuals may opt for plans with higher deductibles because they tend to be healthier and less likely to incur significant medical expenses. On the other hand, families with children or older adults may prefer lower deductibles to ensure they can afford necessary medical care without facing substantial upfront costs.Moreover, understanding the deductible average can also aid consumers in budgeting for healthcare costs. By knowing the average deductible amount, individuals can set aside funds in anticipation of their potential medical expenses. This proactive approach can alleviate financial stress and ensure that they are prepared for unforeseen circumstances.Additionally, businesses that provide health insurance to their employees must consider the deductible average when selecting plans. They need to balance offering comprehensive coverage while keeping costs manageable for both the company and its employees. By analyzing the deductible average in the market, employers can make informed choices that enhance employee satisfaction and retention.In conclusion, the term deductible average encapsulates a vital aspect of insurance that affects both individuals and businesses. By understanding this concept, policyholders can make better decisions regarding their insurance coverage, ultimately leading to improved financial security. Whether one is navigating personal health insurance or corporate benefits, being aware of the deductible average can empower consumers to choose plans that best suit their needs and circumstances.

在金融和保险的世界中，理解各种术语对于做出明智的决定至关重要。其中一个常常出现的术语是可扣除平均值，它在确定个人或企业在保险覆盖生效之前需要自付的金额方面发挥着重要作用。要充分掌握这一概念，首先需要将其分解，并了解它在实际场景中的应用。可扣除平均值是指在特定时期或特定政策组中，投保人需要支付的可扣除额的平均金额。可扣除额是投保人必须支付的初始金额，保险公司在此之前不会开始承担剩余费用。例如，如果某人的健康保险政策设定了1000美元的可扣除额，他们必须在保险公司支付任何费用之前，先支付自己1000美元的医疗费用。理解可扣除平均值可以帮助个人选择适合其财务状况的保险计划。例如，如果某人知道他们所在地区的平均可扣除额为500美元，他们可能会更倾向于选择可扣除额较低的计划，以避免在医疗紧急情况下产生高额自付费用。相反，具有较高可扣除额的计划可能会有较低的月度保费，这对那些不希望频繁使用保险的人来说可能更具吸引力。保险公司通常根据索赔数据和客户资料计算可扣除平均值。这些信息帮助他们设计满足不同人群需求的政策。例如，年轻人可能会选择具有较高可扣除额的计划，因为他们往往更健康，不太可能产生重大医疗费用。另一方面，有孩子的家庭或老年人可能更倾向于选择较低的可扣除额，以确保他们能够负担必要的医疗护理，而无需面临巨大的前期费用。此外，理解可扣除平均值也可以帮助消费者预算医疗费用。通过了解平均可扣除额，个人可以提前存款，以应对潜在的医疗费用。这种主动的方法可以减轻财务压力，并确保他们为不可预见的情况做好准备。此外，为员工提供健康保险的企业在选择计划时，必须考虑可扣除平均值。他们需要在提供全面覆盖和保持公司与员工的成本可管理之间找到平衡。通过分析市场上的可扣除平均值，雇主可以做出明智的选择，从而提高员工满意度和留任率。总之，术语可扣除平均值概括了影响个人和企业的重要保险方面。通过理解这一概念，投保人可以更好地决定自己的保险覆盖范围，最终提高财务安全性。无论是在处理个人健康保险还是企业福利时，意识到可扣除平均值都可以使消费者能够选择最适合其需求和情况的计划。