total sum insured

简明释义

保险总额

英英释义

例句

1.Before finalizing your insurance, review the total sum insured (总保额) to avoid underinsurance.

在最终确定保险之前，请检查总保额（总保额），以避免保险不足。

2.The total sum insured (总保额) for the property was set at $500,000.

该物业的总保额（总保额）设定为50万美元。

3.In the event of a claim, the insurer will pay up to the total sum insured (总保额).

在索赔事件中，保险公司将支付高达总保额（总保额）的金额。

4.It's important to periodically review your total sum insured (总保额) to reflect current market values.

定期审查您的总保额（总保额）以反映当前市场价值是很重要的。

5.The policyholder must ensure that the total sum insured (总保额) is adequate to cover all potential losses.

投保人必须确保总保额（总保额）足以覆盖所有潜在损失。

作文

Insurance is an essential aspect of financial planning, providing individuals and businesses with a safety net against unforeseen events. One of the key terms in the insurance industry is the total sum insured, which refers to the maximum amount an insurer will pay in the event of a claim. Understanding this concept is crucial for anyone looking to protect their assets or manage risk effectively.When you purchase an insurance policy, whether it be for your home, car, or health, you agree on a total sum insured that reflects the value of what you are insuring. For example, if you insure your house for $300,000, this amount represents the total sum insured. In the unfortunate event of a disaster, such as a fire or flood, the insurance company will cover damages up to this specified limit.It is important to note that the total sum insured is not just a random figure; it should be based on the current market value of the insured items. If the sum is set too low, you may find yourself underinsured, meaning that in the event of a loss, you will not receive adequate compensation to replace or repair your property. Conversely, setting the total sum insured too high could result in paying unnecessarily high premiums without any additional benefit.Regularly reviewing and adjusting the total sum insured is advisable, especially as the value of your assets changes over time. For example, if you have made significant renovations to your home or purchased new valuable items, it may be necessary to increase your coverage. On the other hand, if you have sold certain items or if the market value of your property has decreased, you might consider lowering your total sum insured to avoid overpaying for insurance.Moreover, understanding the total sum insured can help in making informed decisions about the type of insurance policy you choose. Some policies may offer a lower premium but come with a lower total sum insured, which might not be sufficient for your needs. It is essential to weigh the benefits and drawbacks of different policies while keeping in mind the importance of having an adequate total sum insured.In conclusion, the total sum insured is a fundamental component of any insurance policy. It defines the extent of coverage provided by the insurer and plays a critical role in ensuring that you are adequately protected against potential losses. By understanding and regularly assessing your total sum insured, you can ensure that you have the right level of coverage to safeguard your assets and provide peace of mind in times of uncertainty. Remember, insurance is not just a financial product; it is a vital tool for managing risks and securing your financial future.

保险是财务规划的重要方面，为个人和企业提供了应对意外事件的安全网。保险行业中的一个关键术语是total sum insured，它指的是保险人在索赔时将支付的最高金额。理解这个概念对于任何希望保护其资产或有效管理风险的人来说都是至关重要的。当您购买保险政策，无论是为您的房屋、汽车还是健康投保时，您都同意一个total sum insured，该金额反映了您所投保物品的价值。例如，如果您为您的房子投保30万美元，那么这个金额就代表了total sum insured。在不幸发生灾难的情况下，例如火灾或洪水，保险公司将根据这个指定的限额来赔偿损失。需要注意的是，total sum insured并不是一个随机数字；它应该基于被保险物品的当前市场价值。如果设定得过低，您可能会发现自己没有足够的保险，这意味着在发生损失时，您将无法获得足够的赔偿来替换或修复您的财产。相反，设定total sum insured过高则可能导致您支付不必要的高保费，而没有任何额外的好处。定期审查和调整total sum insured是明智的，特别是因为您的资产价值会随着时间变化而变化。例如，如果您对房屋进行了重大翻新或购买了新的贵重物品，则可能需要增加您的覆盖范围。另一方面，如果您出售了某些物品，或者您的财产市场价值下降，您可能会考虑降低您的total sum insured以避免支付过高的保险费用。此外，理解total sum insured可以帮助您做出明智的决定，选择合适的保险政策。有些政策可能提供较低的保费，但伴随较低的total sum insured，这可能不足以满足您的需求。在考虑不同政策的利弊时，牢记拥有足够的total sum insured的重要性是至关重要的。总之，total sum insured是任何保险政策的基本组成部分。它定义了保险公司提供的保障范围，并在确保您在潜在损失面前得到充分保护方面发挥着关键作用。通过理解和定期评估您的total sum insured，您可以确保拥有适当的保障水平，以保护您的资产，并在不确定时期提供内心的平静。请记住，保险不仅仅是一种金融产品；它是管理风险和保障您财务未来的重要工具。