购买保险的英语表达
购买保险时，你可能需要使用一些特定的英语表达来与保险代理人或公司进行沟通。以下是一些常用的英语术语和表达：
1.
Insurance (保险)
The financial protection against loss or harm arising from various risks.
2.
Policy (保单)
The written contract between the insured and the insurance company detailing the terms and conditions of the insurance coverage.
3.
Premium (保费)
The amount of money paid by the insured to the insurance company for coverage.
4.
Coverage (保险覆盖范围)
The scope of protection provided by an insurance policy.
5.
Deductible (免赔额)
The amount of money that the insured must pay out of pocket before the insurance company starts paying for covered expenses.
6.
Claim (索赔)
A request made by the insured to the insurance company for compensation for a covered loss or damage.
7.
Underwriting (承保)
The process of evaluating and determining the risks associated with insuring a person or entity.
8.
Agent/Broker (代理人/经纪人)
An individual or organization licensed to sell insurance policies on behalf of insurance companies.
9.
Policyholder (保单持有人)
The person or entity that owns the insurance policy.
10.
Renewal (续保)
The process of extending or continuing an existing insurance policy for another term.
11.
Coverage Limit (保险限额)
The maximum amount that an insurance company will pay for covered losses or damages.
12.
Exclusion (除外责任)
Specific risks or conditions that are not covered by an insurance policy.
13.
Rider/Endorsement (附加条款/批注)
An additional provision added to an insurance policy to modify or expand its coverage.
14.
Term Life Insurance (定期寿险)
Life insurance coverage for a specified period, typically 10, 20, or 30 years.
15.
Whole Life Insurance (终身寿险)
Life insurance coverage that remains in force for the insured's entire lifetime, as long as premiums are paid.
16.
Health Insurance (健康保险)
Insurance coverage that pays for medical and surgical expenses incurred by the insured.
17.
Auto Insurance (汽车保险)
Insurance coverage for vehicles against losses or damages arising from accidents, theft, or other perils.
18.
Homeowner's Insurance (房主保险)
Insurance coverage for homes and their contents against damages, theft, and liability risks.
19.
Liability Insurance (责任保险)
Insurance coverage that protects the insured against claims resulting from injuries or damages to other people or property.
20.
Policyholder's Rights (保单持有人权利)
The rights and privileges granted to the policyholder under an insurance policy, including the right to cancel or renew coverage.
这些术语应该能够帮助你更好地理解和交流关于购买保险的英语表达。如果你有任何进一步的问题或需要更详细的解释，请随时告诉我！
