insurability

简明释义

英[ɪnʃʊərəbɪlɪti]美[ɪnʃʊərəˈbɪləti]

n. [保险] 可保险性

英英释义

单词用法

同义词

反义词

例句

1.Other valuable information provided by SNP chips would pose no threat to people's mental state, employability or insurability.

SNP晶片提供的其他有用资讯，对于我们的心理状态、找工作或投保，就没有什么威胁。

2.Accordingly, the Act makes provision for registrationof employers and for the insurability of employees, self-employed persons andvoluntarily insured persons.

因此，法案制定了雇主、员工保险、自由职业者和自愿参保人士的注册条款。

3.Because of specialty, complexity and catastrophe of loss, the insurability of agricultural risk has its more control.

由于农业风险自身的特殊性、复杂性和损失的巨大性，其可保性更是受到很大的局限。

4.This behavior is termed moral hazard. In practice, not all risks can be insured, and the insurability of a given risk depends on a number of factors.

这种行为被称为道德风险实际上，保险不能保障所有的风险，而且对某一特定风险的保险取决于很多因素。

5.Based on the theory of risk management, starting with the influence of moral hazard on the insurability of risk, the paper studies deeply in the reasons, preconditions and the types of moral hazard.

本文以风险管理为理论基础，从道德风险因素对风险可保性的影响入手，对保险市场中道德风险的形成原因、产生条件和表现形式进行了深入分析。

6.Based on the theory of risk management, starting with the influence of moral hazard on the insurability of risk, the paper studies deeply in the reasons, preconditions and the types of moral hazard.

本文以风险管理为理论基础，从道德风险因素对风险可保性的影响入手，对保险市场中道德风险的形成原因、产生条件和表现形式进行了深入分析。

7.This paper mainly discussed and appraised the insurability of the fishery risk.

文章主要讨论了渔业风险的可保性，并对渔业风险的可保性进行了评价。

8.Usually if the death benefit is being raised you will have to show some evidence of insurability or other information requested.

通常，如果死亡效益正在提高，你会显示一些证据保或其他资料要求。

9.Insurability and affordability is an important prerequisite of the role of insurance in catastrophe risk management framework that cannot be avoided.

巨灾风险的可保性与可负担性，是保险在巨灾风险管理框架与机制中发挥作用并不可回避的重要前提。

10.Many employers provide coverage regardless of an employee's insurability status.

许多雇主提供保障，而不考虑员工的可保性状态。

11.The insurance company assessed the client's insurability to determine if they could offer a policy.

保险公司评估了客户的可保性以确定是否可以提供保单。

12.The underwriter will review all relevant information to determine the applicant's insurability.

核保人将审核所有相关信息以确定申请人的可保性。

13.A thorough medical examination is often required to evaluate an individual's insurability.

通常需要进行全面的体检来评估个人的可保性。

14.Factors such as age and health history can affect your insurability when applying for life insurance.

年龄和健康历史等因素会影响您申请人寿保险时的可保性。

作文

In today’s complex world, understanding the concept of insurability (可保性) is crucial for both individuals and businesses. Insurability refers to the ability to obtain insurance coverage based on the assessment of risk associated with an individual or entity. This concept plays a vital role in the insurance industry as it determines whether a person or organization can be insured and under what conditions. To elaborate further, insurability is influenced by various factors including health status, lifestyle choices, and even geographical location. For instance, an individual with a history of serious health issues may face challenges in obtaining life insurance due to perceived high risks. Similarly, businesses operating in high-risk industries, such as construction or oil drilling, may encounter difficulties in securing comprehensive insurance policies. The evaluation of insurability often involves underwriting processes where insurers analyze the risk profile of applicants. This process includes reviewing medical records, conducting background checks, and assessing any potential hazards associated with the applicant’s activities. The outcome of this evaluation not only affects the availability of insurance but also influences the premiums that applicants must pay. Higher risks typically lead to higher premiums, while lower risks can result in more affordable rates. Moreover, the concept of insurability extends beyond just individual policies. It also applies to large-scale events and natural disasters. For example, in areas prone to hurricanes or floods, insurance companies may set stricter insurability criteria, making it challenging for homeowners to secure coverage. This situation highlights the importance of understanding the implications of insurability in disaster-prone regions, where individuals must weigh the risks of living in such areas against the availability of insurance. Another critical aspect of insurability is its impact on financial planning. Individuals and businesses alike must consider their insurability status when making long-term financial decisions. For example, a young couple planning to start a family might prioritize obtaining life and health insurance to protect their future children. Conversely, a business owner may seek liability insurance to safeguard their assets against potential lawsuits. Understanding one’s insurability not only provides peace of mind but also ensures that adequate protection is in place for unforeseen circumstances. In conclusion, the concept of insurability (可保性) is a fundamental element of the insurance landscape that affects individuals and businesses alike. By understanding the factors that influence insurability, people can make informed decisions about their insurance needs and financial planning. As we navigate through life’s uncertainties, recognizing the importance of insurability allows us to better prepare for potential risks and secure our financial futures.

在当今复杂的世界中，理解insurability（可保性）的概念对个人和企业至关重要。Insurability指的是根据与个人或实体相关的风险评估获得保险保障的能力。这个概念在保险行业中起着至关重要的作用，因为它决定了一个人或组织是否可以被投保以及在什么条件下可以投保。进一步阐述，insurability受到多种因素的影响，包括健康状况、生活方式选择，甚至地理位置。例如，具有严重健康问题历史的个人可能会面临获得人寿保险的挑战，因为被认为存在高风险。同样，在高风险行业（如建筑或石油钻探）经营的企业可能会遇到获得全面保险政策的困难。Insurability的评估通常涉及承保过程，保险公司会分析申请人的风险状况。这个过程包括审查医疗记录、进行背景调查以及评估与申请人活动相关的潜在危险。这一评估的结果不仅影响保险的可用性，还影响申请人必须支付的保费。较高的风险通常会导致较高的保费，而较低的风险则可能导致更实惠的费率。此外，insurability的概念不仅限于个人保单。它也适用于大规模事件和自然灾害。例如，在易受飓风或洪水影响的地区，保险公司可能会设定更严格的insurability标准，使房主难以获得保险保障。这种情况突显了理解insurability在灾害多发地区的重要性，在这些地区，个人必须权衡居住在此类地区的风险与保险可用性之间的关系。Insurability的另一个关键方面是其对财务规划的影响。个人和企业都必须在做出长期财务决策时考虑他们的insurability状态。例如，一对年轻夫妇计划组建家庭，可能会优先考虑获得人寿和健康保险，以保护他们未来的孩子。相反，企业主可能会寻求责任保险，以保护他们的资产免受潜在诉讼的影响。了解自己的insurability不仅提供了内心的平静，还确保在不可预见的情况下有足够的保护。总之，insurability（可保性）的概念是影响个人和企业的保险格局的基本要素。通过理解影响insurability的因素，人们可以就他们的保险需求和财务规划做出明智的决定。在我们应对生活的不确定性时，认识到insurability的重要性使我们能够更好地为潜在风险做好准备，并确保我们的财务未来。