underinsured

简明释义

英[ˌʌndərɪnˈʃʊəd;ˌʌndərɪnˈʃɔːd]美[ˌʌndərɪnˈʃʊrd]

adj. 保险（额）不足的

英英释义

单词用法

同义词

反义词

例句

1.The hospital is known for serving uninsured and underinsured people, but Brian Zachariah, the director of emergency medicine, reckons that it will have to cut back on this.

该院因为为没有保险和保险额不足的病人服务而闻名，但是急诊部的主任BrianZachariah认为现在它将不得不砍掉这种服务。

2.Women are typically underinsured, with a life policy equal to three times their income. Five times is a better ballpark.

女性的投保额一般低于实际价值的，一份寿险保单是他们工资的三倍，5倍可能是更为适当的概数。

3.The Commonwealth Fund defines underinsured as those who incur high out-of-pocket costs - excluding premiums - relative to their income, despite having coverage all year.

联邦基金界定保险额不足就像是高现金支付的-除保险费之外的-与他们收入相关而引发的那些，尽管已经覆盖全年保险范围。

4.Some of Obama's initiatives will provide short-term relief to both the uninsured and underinsured.

奥巴马的举措中的一些将提供短期救济未投保和保险额不足的双方。

5.Patient visits are decreasing, as many people are recently unemployed or underinsured, and profitable diagnostic procedures and elective surgeries are declining, according to the report.

近来失业或保险金额不足的病人减少了就医次数，并且不愿接受带给医院丰厚利润的诊断检查和非必需手术。

6.Patient visits are decreasing, as many people are recently unemployed or underinsured, and profitable diagnostic procedures and elective surgeries are declining, according to the report.

近来失业或保险金额不足的病人减少了就医次数，并且不愿接受带给医院丰厚利润的诊断检查和非必需手术。

7.In our poll, nearly a quarter of the underinsured say they currently have overdue medical bills, and close to half have used credit CARDS to meet their health costs.

在我们的民意测验中，几乎四分之一的“保险额不足”者说目前持有延期未付的医疗帐单，将近一半人使用信用卡以应付医疗开支。

8.Background Uninsured and underinsured Americans face barriers to access to medical care.

无保险和保险不足的美国人在就医时存在壁垒。

9.Many renters find themselves underinsured 保险不足 after a fire destroys their belongings.

许多租户在火灾摧毁他们的财物后发现自己是保险不足的。

10.Many families are often underinsured 保险不足 when it comes to health coverage.

许多家庭在健康保险方面往往是保险不足。

11.After the storm, we realized our home was underinsured 保险不足 for the damages.

风暴过后，我们意识到我们的房子在损坏方面是保险不足的。

12.If you drive an old car, you might be underinsured 保险不足 in case of an accident.

如果你开的是一辆旧车，你在发生事故时可能会保险不足。

13.The report showed that small businesses are frequently underinsured 保险不足 against natural disasters.

报告显示，小型企业经常在自然灾害中处于保险不足的状态。

作文

In today's world, the importance of having adequate insurance coverage cannot be overstated. Many individuals believe that simply having an insurance policy is enough to protect themselves from financial hardships. However, a significant number of people find themselves in a situation where they are underinsured, meaning that their insurance coverage is insufficient to cover their needs in the event of a disaster or unexpected event. This essay will explore the implications of being underinsured, the reasons why many people fall into this category, and the steps that can be taken to ensure proper coverage.Being underinsured can have dire consequences when a person faces an emergency. For instance, consider someone who has a health insurance policy with a low coverage limit. If this individual suffers a serious illness or injury, they may quickly reach the limits of their policy, leaving them responsible for substantial out-of-pocket expenses. This can lead to financial ruin, as medical bills can accumulate rapidly. Similarly, homeowners who are underinsured may find that their property is not fully covered in the event of a natural disaster, such as a fire or flood, resulting in significant financial loss.One of the main reasons people become underinsured is due to the rising costs of insurance premiums. In an effort to save money, many individuals opt for lower coverage limits or higher deductibles, believing that they can manage any potential risks on their own. This short-sighted approach can lead to devastating outcomes when unforeseen events occur. Additionally, some people may not fully understand the complexities of insurance policies, leading them to choose inadequate coverage without realizing the potential consequences.Another contributing factor to being underinsured is the lack of regular policy reviews. Life circumstances change, and so do the insurance needs of individuals. A person who has recently purchased a home, started a family, or changed jobs may need to reassess their insurance coverage. Failing to do so can result in outdated policies that no longer provide sufficient protection. Regularly reviewing and updating insurance policies is crucial to ensuring that one remains adequately covered.To avoid being underinsured, individuals should take proactive steps to assess their insurance needs. This includes evaluating current coverage levels and understanding the potential risks they face. Consulting with an insurance agent or financial advisor can provide valuable insights into what types of coverage are necessary based on personal circumstances. Furthermore, individuals should consider the potential costs associated with various risks and ensure their policies reflect those needs.In conclusion, being underinsured poses significant risks that can lead to financial hardship in times of crisis. It is essential for individuals to recognize the importance of having adequate insurance coverage and to take the necessary steps to ensure they are protected. By understanding their insurance needs, regularly reviewing policies, and seeking professional advice, individuals can avoid the pitfalls of being underinsured and secure their financial future.

在当今世界，拥有足够的保险保障的重要性不容忽视。许多人认为，仅仅拥有一份保险单就足以保护自己免受经济困境的影响。然而，许多人发现自己处于一个被称为underinsured的状态，这意味着他们的保险保障不足以在灾难或意外事件发生时满足他们的需求。本文将探讨被underinsured的含义、许多人陷入这一类别的原因，以及确保适当保障所需采取的步骤。当一个人面临紧急情况时，处于underinsured状态可能会产生严重后果。例如，考虑一个拥有低保障限额健康保险政策的人。如果这个人遭遇严重疾病或受伤，他们可能很快就会达到政策的限额，使他们需要承担大量自付费用。这可能导致财务破产，因为医疗账单可能迅速累积。同样，处于underinsured状态的房主可能会发现，在自然灾害（如火灾或洪水）发生时，他们的财产没有完全得到保障，从而导致重大经济损失。人们成为underinsured的主要原因之一是保险保费的不断上涨。为了节省开支，许多人选择较低的保障限额或较高的免赔额，认为他们可以自己管理潜在的风险。这种目光短浅的做法在意外事件发生时可能导致灾难性的结果。此外，一些人可能对保险政策的复杂性理解不深，导致他们在没有意识到潜在后果的情况下选择了不充分的保障。另一个导致处于underinsured状态的因素是缺乏定期的政策审查。生活环境变化，个人的保险需求也随之改变。最近购买房屋、组建家庭或换工作的个人可能需要重新评估他们的保险保障。如果不这样做，可能会导致过时的保单，无法提供足够的保护。定期审查和更新保险政策对于确保个人保持足够的保障至关重要。为了避免处于underinsured状态，个人应采取积极措施评估其保险需求。这包括评估当前的保障水平并了解他们面临的潜在风险。咨询保险代理人或财务顾问可以提供宝贵的见解，帮助个人根据自身情况确定所需的保障类型。此外，个人还应考虑与各种风险相关的潜在成本，并确保他们的保单反映这些需求。总之，处于underinsured状态带来了重大风险，可能在危机时期导致经济困难。个人必须认识到拥有足够保险保障的重要性，并采取必要措施确保自己受到保护。通过了解自己的保险需求、定期审查政策以及寻求专业建议，个人可以避免陷入underinsured的陷阱，并确保他们的财务未来。