insured sum

简明释义

保险总额

英英释义

例句

1.In case of a total loss, the insured sum 保险金额 will be paid out to the policyholder.

如果发生全损，保险金额将支付给保单持有人。

2.The policyholder was relieved to know that the insured sum 保险金额 would cover all medical expenses after the accident.

保单持有人了解到事故后保险金额将涵盖所有医疗费用，感到宽慰。

3.The bank required proof of an insured sum 保险金额 before approving the loan for the property.

银行在批准该物业贷款之前要求提供保险金额的证明。

4.Before signing the contract, make sure you understand the insured sum 保险金额 and any exclusions.

在签署合同之前，请确保您了解保险金额及任何排除条款。

5.When purchasing life insurance, it's important to choose an insured sum 保险金额 that reflects your family's needs.

在购买人寿保险时，选择一个反映家庭需求的保险金额是很重要的。

作文

In today's world, the importance of insurance cannot be overstated. Whether it's health insurance, life insurance, or property insurance, having a safety net is crucial for individuals and families alike. One of the key concepts in insurance policies is the insured sum, which refers to the amount of money that an insurance company agrees to pay in the event of a claim. Understanding this term is essential for anyone looking to purchase insurance or evaluate their existing policies.The insured sum plays a critical role in determining the level of coverage provided by an insurance policy. For instance, in life insurance, the insured sum is the amount that beneficiaries will receive upon the policyholder's death. This amount can vary widely depending on the policyholder's needs and financial situation. It is important to choose an insured sum that adequately reflects one's financial obligations, such as mortgage payments, children's education, and other debts. A well-chosen insured sum ensures that loved ones are not left in a precarious financial situation after the policyholder's passing.Similarly, in health insurance, the insured sum may refer to the maximum amount that the insurance company will pay for covered medical expenses. This limit is crucial to understand as it can influence the choice of healthcare providers and treatment options. If a policyholder exceeds the insured sum, they could be responsible for paying the remaining costs out of pocket, which can lead to significant financial strain.When it comes to property insurance, the insured sum represents the value of the insured property, such as a home or vehicle. In the event of damage or loss, the insured sum is the maximum amount the insurer will pay for repairs or replacements. Homeowners need to assess the value of their property accurately to ensure that the insured sum is sufficient to cover potential losses. Underinsuring a property can lead to substantial out-of-pocket expenses after a disaster, while overinsuring can result in unnecessarily high premiums.Moreover, the insured sum can also affect the premium rates of insurance policies. Generally, a higher insured sum leads to higher premiums, as the insurer takes on more risk. Therefore, it is vital for policyholders to strike a balance between adequate coverage and affordability. Conducting thorough research and consulting with insurance professionals can help individuals make informed decisions about their insured sum.In conclusion, the insured sum is a fundamental aspect of any insurance policy. It determines the financial protection available in times of need and significantly impacts the choices individuals make regarding their coverage. Whether one is considering life, health, or property insurance, understanding the implications of the insured sum is essential for effective financial planning. By carefully evaluating their needs and circumstances, individuals can select an appropriate insured sum that provides peace of mind and security for themselves and their loved ones.

在当今世界，保险的重要性不容小觑。无论是健康保险、寿险还是财产保险，拥有一张安全网对个人和家庭来说都是至关重要的。保险政策中的一个关键概念是insured sum，指的是保险公司在索赔时同意支付的金额。理解这个术语对于任何想要购买保险或评估现有政策的人来说都是必不可少的。insured sum在确定保险政策提供的保障水平方面起着关键作用。例如，在人寿保险中，insured sum是受益人在投保人去世时将收到的金额。这个金额可以根据投保人的需求和财务状况而有所不同。选择一个适当的insured sum，确保能充分反映个人的财务责任，如按揭付款、子女教育和其他债务，是非常重要的。一个合理选择的insured sum可以确保在投保人去世后，亲人不会陷入困境。同样，在健康保险中，insured sum可能指的是保险公司为覆盖的医疗费用支付的最高金额。理解这个限额至关重要，因为它会影响医疗服务提供者的选择和治疗方案。如果投保人的费用超过了insured sum，他们可能需要自掏腰包支付剩余费用，这可能导致巨大的财务压力。在财产保险方面，insured sum代表被保险财产的价值，比如房屋或车辆。在发生损坏或丢失的情况下，insured sum是保险公司将为修理或更换支付的最高金额。房主需要准确评估其财产的价值，以确保insured sum足以覆盖潜在损失。低保额可能导致在灾难后承担巨额自费，而高保额则可能导致不必要的高保费。此外，insured sum还会影响保险政策的保费率。通常来说，更高的insured sum会导致更高的保费，因为保险公司承担的风险更大。因此，投保人必须在保障充足和经济承受能力之间找到平衡。进行全面的研究并咨询保险专业人士可以帮助个人对其insured sum做出明智的决策。总之，insured sum是任何保险政策的基本方面。它决定了在需要时可用的财务保护，并显著影响个人在选择保障时所做的决策。无论是考虑人寿保险、健康保险还是财产保险，理解insured sum的含义对有效的财务规划至关重要。通过仔细评估自身的需求和情况，个人可以选择一个合适的insured sum，为自己和所爱的人提供安心和保障。