coinsurance

简明释义

英[ˌkəʊɪnˈʃʊərəns]美[ˌkoʊɪnˈʃʊrəns]

n. 共同保险

英英释义

单词用法

同义词

反义词

例句

1.The establishment, modification and revocation of a coinsurance group as well as the formulation and amendment of its articles of association shall be reported to CIRC for archival filing.

共保集团的成立、变更和撤销及其章程的制订和修改应报中国保监会备案。

2.The term "coinsurance at the same locality" refers to the coinsurance under which the insured subject-matter is located within the coinsurance underwriter's business operation area;

同地共保是指保险标的在共保承保人经营区域内的共保；

3.Instead, Sydnor suggest narrowing the universe by first looking at factors that don't have a huge impact like the coinsurance rate and the health care providers you really want.

西德诺的建议与之相反，他认为大家应该首先通过那些影响不是很大的因素来缩小挑选范围，比如共保率以及你真正想要的医疗保健服务供应商，最后再去比较自付金额。

4.Insurers often stipulate deductible amount, coinsurance clause and limit of liability in their contracts, so as to the directors and officers carry one part of the losses and costs.

但是保险公司保险单又规定了免赔额、共同保险条款、责任限额，从而使存在不当行为的董事自己承担一部分损失和费用。

5.The establishment, modification and revocation of a coinsurance group as well as the formulation and amendment of its articles of association shall be reported to CIRC for archival filing.

共保集团的成立、变更和撤销及其章程的制订和修改应报中国保监会备案。

6.We find out that the theory of coinsurance and that of internal capital market both can not explain the change of special capital structure of China's listed firms.

检验结果表明，共同保险理论和内部资本效率理论均无法解释我国上市公司特有的资本结构的变化。

7.I wasn't aware that my coinsurance rate would increase after my last visit to the doctor.

我没有意识到在我上次看医生后，我的共保费率会增加。

8.Many insurance policies require a coinsurance payment after the deductible is met.

许多保险政策在满足免赔额后要求支付共保费用。

9.The hospital bill was much higher than expected because I had to cover 20% in coinsurance.

医院账单比预期高得多，因为我必须支付20%的共保费用。

10.Understanding your coinsurance obligations can help you budget for medical expenses.

了解你的共保义务可以帮助你为医疗费用做预算。

11.After my surgery, I had to pay a portion of the bill due to my health plan's coinsurance.

在我的手术后，由于我的健康计划的共保，我不得不支付一部分账单。

作文

In the realm of health insurance, understanding different terms is crucial for making informed decisions. One such term that often confuses many individuals is coinsurance. Coinsurance refers to the percentage of costs that a policyholder must pay after they have met their deductible. For instance, if your health insurance plan has a 20% coinsurance rate, this means that after you have paid your deductible, you are responsible for 20% of the remaining medical expenses, while your insurance company covers the other 80%. This system is designed to share the financial burden between the insurer and the insured, encouraging policyholders to be more mindful of their healthcare spending.The concept of coinsurance can significantly impact an individual’s out-of-pocket expenses, especially when it comes to major medical procedures or treatments. For example, if you undergo surgery that costs $10,000 and you have already paid your deductible, with a 20% coinsurance, you would owe $2,000, while your insurance would cover the remaining $8,000. It is essential to note that coinsurance kicks in only after the deductible has been met, which can vary widely from one insurance plan to another.Many people may not fully appreciate the implications of coinsurance until they face a significant medical event. This is why understanding your health insurance policy is vital. Some plans may have high deductibles and low coinsurance percentages, while others might offer lower deductibles but higher coinsurance rates. Therefore, it is important to evaluate your health needs and financial situation when selecting a plan.Moreover, coinsurance is not limited to just health insurance; it can also apply to property insurance and other types of coverage. In property insurance, coinsurance typically refers to a clause that requires the policyholder to insure their property for a certain percentage of its value. If the property is underinsured, the policyholder may face penalties when filing a claim. This further illustrates how coinsurance functions as a risk-sharing mechanism in various insurance domains.Understanding coinsurance helps consumers make better choices regarding their insurance policies. When comparing different health plans, it is wise to look at both the deductible and the coinsurance rate. A plan with a low premium might seem attractive at first glance, but if it comes with a high deductible and a high coinsurance rate, it could lead to substantial out-of-pocket costs in the long run.In conclusion, coinsurance is a fundamental concept in the insurance industry that plays a critical role in determining out-of-pocket expenses for policyholders. By understanding what coinsurance entails, individuals can navigate their insurance options more effectively, ensuring they choose a plan that aligns with their healthcare needs and financial capabilities. The knowledge of coinsurance empowers consumers, allowing them to take charge of their health care expenditures and make informed decisions about their insurance coverage.

在健康保险领域，理解不同的术语对于做出明智的决策至关重要。其中一个常常让许多人感到困惑的术语是共保。共保指的是在满足免赔额后，投保人必须支付的费用百分比。例如，如果您的健康保险计划有20%的共保比例，这意味着在您支付完免赔额后，您需要承担剩余医疗费用的20%，而您的保险公司则承担其余的80%。这一制度旨在在保险公司和被保险人之间分担财务负担，鼓励投保人更加关注他们的医疗支出。共保的概念可能会显著影响个人的自付费用，特别是在重大医疗程序或治疗方面。例如，如果您接受了一项费用为$10,000的手术，并且您已经支付了免赔额，那么在20%的共保下，您将需要支付$2,000，而您的保险将覆盖剩余的$8,000。需要注意的是，共保仅在满足免赔额后生效，而免赔额在不同的保险计划中可能差异很大。许多人可能不会充分意识到共保的影响，直到他们面临重大的医疗事件。这就是为什么理解您的健康保险政策至关重要的原因。一些计划可能具有高免赔额和低共保比例，而其他计划可能提供较低的免赔额但较高的共保率。因此，在选择计划时，评估您的健康需求和财务状况非常重要。此外，共保不仅限于健康保险；它也可以适用于财产保险和其他类型的保障。在财产保险中，共保通常指的是一项条款，要求投保人以一定比例为其财产投保。如果财产保险不足，投保人在申请索赔时可能会面临惩罚。这进一步说明了共保在各种保险领域中作为风险分担机制的作用。理解共保帮助消费者更好地选择他们的保险政策。在比较不同的健康计划时，明智之举是查看免赔额和共保率。一个低保费的计划可能乍一看很有吸引力，但如果它伴随着高免赔额和高共保率，那么从长远来看可能会导致可观的自付费用。总之，共保是保险行业中的一个基本概念，在确定投保人的自付费用方面发挥着关键作用。通过理解共保的含义，个人可以更有效地浏览他们的保险选项，确保选择符合其医疗需求和财务能力的计划。对共保的了解赋予了消费者权力，使他们能够掌控自己的医疗支出，并就保险保障做出明智的决策。