sum of insurance

简明释义

保险索赔额

英英释义

例句

1.Make sure to check the sum of insurance 保险总额 when purchasing a new policy.

购买新保单时，请确保检查sum of insurance保险总额。

2.In case of a disaster, the sum of insurance 保险总额 should be enough to cover all damages.

在灾难发生时，sum of insurance保险总额应足以覆盖所有损失。

3.You must declare the sum of insurance 保险总额 accurately to avoid penalties.

您必须准确申报sum of insurance保险总额以避免罚款。

4.The bank requires a minimum sum of insurance 保险总额 before approving the loan.

银行在批准贷款之前要求最低的sum of insurance保险总额。

5.The sum of insurance 保险总额 for my home is set at $300,000.

我家房屋的sum of insurance保险总额定为30万美元。

作文

In today's world, insurance plays a crucial role in our lives. It provides us with a safety net against unforeseen circumstances and financial losses. One of the key concepts in understanding insurance is the sum of insurance, which refers to the total amount that an insurance policy will pay out in the event of a claim. This figure is essential for both the insured and the insurer, as it determines the extent of coverage provided by the policy.When purchasing an insurance policy, whether it be for health, auto, or property, individuals must carefully consider the sum of insurance. This amount should reflect the true value of what is being insured. For instance, if a homeowner insures their property for $200,000, that is the sum of insurance that would be paid out in the event of a total loss. However, if the home is worth $300,000 and only insured for $200,000, the homeowner could face significant financial hardship if disaster strikes.Moreover, the sum of insurance can vary based on the type of insurance. In life insurance policies, the sum of insurance is often referred to as the death benefit, which is the amount paid to beneficiaries upon the policyholder's death. This sum should be carefully calculated to ensure that dependents are adequately supported after the policyholder's passing.Another important aspect to consider is that the sum of insurance can also influence the premium that the insured pays. Generally, a higher sum of insurance results in higher premiums, as the insurer takes on greater risk. Therefore, it is vital for individuals to strike a balance between adequate coverage and affordable premiums.Additionally, understanding the sum of insurance is critical when it comes to claims processing. If a claim is filed, the insurer will assess the damages and determine if they fall within the limits of the sum of insurance. If the damages exceed this amount, the insured may have to bear the additional costs themselves, which can lead to financial strain.In conclusion, the sum of insurance is a fundamental concept in the insurance industry that affects various aspects of coverage, premiums, and claims. It is essential for individuals to understand this term and evaluate their insurance needs accordingly. By doing so, they can ensure that they have adequate protection in place, safeguarding their financial future against unexpected events. Ultimately, the right sum of insurance can provide peace of mind, knowing that one is covered in times of need.

在当今世界，保险在我们的生活中扮演着至关重要的角色。它为我们提供了应对不可预见情况和财务损失的安全网。理解保险的一个关键概念是保险金额，它是指在索赔发生时，保险政策将支付的总金额。这个数字对被保险人和保险公司都至关重要，因为它决定了保单提供的保障范围。在购买保险政策时，无论是健康保险、汽车保险还是财产保险，个人必须仔细考虑保险金额。这个金额应该反映出被保险物品的真实价值。例如，如果房主为他们的财产投保20万美元，那么在发生完全损失时，这就是保险金额。然而，如果房屋价值30万美元，仅投保20万美元，那么如果灾难发生，房主可能会面临重大财务困境。此外，保险金额可能会根据保险类型而有所不同。在人寿保险政策中，保险金额通常被称为身故赔偿金，这是在投保人去世时支付给受益人的金额。这个金额应该经过仔细计算，以确保依赖于投保人支持的家属在其去世后能够得到充分的支持。另一个需要考虑的重要方面是，保险金额还会影响被保险人支付的保费。通常，较高的保险金额会导致较高的保费，因为保险公司承担了更大的风险。因此，个人必须在足够的保障和可负担的保费之间找到平衡。此外，了解保险金额在索赔处理过程中也至关重要。如果提出索赔，保险公司将评估损失并确定是否在保险金额的范围内。如果损失超过此金额，被保险人可能不得不自行承担额外费用，这可能导致财务压力。总之，保险金额是保险行业中的一个基本概念，影响着保障、保费和索赔的各个方面。个人了解这个术语并相应评估他们的保险需求至关重要。这样一来，他们就可以确保拥有足够的保护，保障他们的财务未来免受意外事件的影响。最终，适当的保险金额可以提供安心，知道在需要的时候自己是有保障的。