The buying frenzy essentially began last January, when Taiwan Fire & Marine Insurance Co. unveiled a policy for NT$500 with payouts of up to NT$100,000 if the policyholder was quarantined. (taipeitimes.com)
(購買狂潮基本上始於去年一月,當時台灣產物保險推出了新台幣500元保險給付額的保單,如果投保人被隔離,最高賠付新台幣十萬元。)
When travelers take out travel insurance with emergency medical benefits, it can cover medical emergencies during their trips.
(當旅行者購買附有緊急醫療給付的旅行保險時,它涵蓋旅行期間的醫療緊急情況。)
現在持續受到討論的「防疫險」用pandemic/Covid insurance表達即可。保險大致分類成:財產保險(non-life insurance)與insurance of the person(人身保險),日常常見的細項如life insurance「壽險」、annuity insurance「年金保險」、casualty insurance「意外險」、health insurance「健保」、labor insurance「勞保」等,都是多益測驗中,金融保險或是醫療保健主題會提及的相關詞彙。
The updated pandemic policy only covers the NT$50,000 compensation for hospitalization, removing provisions that pay for a COVID diagnosis and isolation.
(更新後的防疫保單僅涵蓋住院最高理賠五萬元,取消了確診、隔離支付理賠的條款。)
Most endowment policies cover the individual’s life in case of unfortunate events, and offer a maturity benefits at the end of the term.
(大多數養老保單理賠涵蓋個人生活中的不幸事件,並在期限結束時提供滿期福利金。)
When filing insurance claims for the artworks, the art collector authenticated his claim to receive the benefit from the insurance firm.
(在為藝術品提出保險索賠時,這位藝術品收藏家驗證他的索賠,以便從保險公司獲利。)
保險索賠的各種說法
「提出」保險索賠,除了搭配動詞file外,還可用submitted a claim、made a claim等方式表示。
The policyholder submitted a claim for the losses sustained as a result of the pandemic.
(投保人就疫情造成的損失提出索賠。)
The policyholder made a claim on pandemic insurance after hospitalization.
(投保人在住院後提出防疫險的索賠。)
「submit a claim to + 公司 for 損失」與「make a claim on + 保險名稱」都是很實用的搭配。此外,近來新聞也常提及的「理付賠償」,會搭配pay out與reimburse兩字。
Insurance companies are estimated to pay out claims, topping US$1.39 billion in Taiwan.
(台灣保險公司預計賠付高達13.9億美元)
Insurance companies will reimburse policyholders for expenses incurred during their hospitalization.
(保險公司將理付賠償投保人在住院期間發生的費用。)
各家產險公司的災難,必須快速止血且合法,有些正調整理賠範圍以控制損失,有的則已停售防疫險。
coverage在保險金融字彙中,代表「理賠範圍」,來自於動詞cover「給…保險;承保」。
There is no coverage for the costs of healthcare in non-life insurance.
(財產保險不涵蓋醫療保健費用。)
Typical travel insurance plans usually cover medical emergencies, trip cancellation, interruptions, delays, etc.
(典型的旅行保險計畫通常涵蓋醫療緊急情況、旅行取消、中斷與延誤等。)
【多益模擬試題】
1. Fearing steep losses from pandemic ________, most insurance companies are adjusting their offerings, and demand for COVID insurance is expected to cool.
(A) payouts
(B) pensions
(C) premiums
(D) provisions
2. Insurers have to provide financial compensation for stuff that’s lost as long as it ________ under your policy.
(A) covers
(B) is covering
(C) is covered
(D) has covered