Insurance

Merchants have sought methods to minimize risks since early times. Pictured, Governors of the Wine Merchant's Guild by Ferdinand Bol, c. 1680.

Lloyd's Coffee House was the first marine insurance company.

Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.

An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. The amount of money charged by the insurer to the insured for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster.

单词	Private insurance
释义	Private insurance 英语例句库 They’re discussing the vexed question of private health insurance. 他们正在讨论个人健康保险这个总让人争论不休的问题。原声例句当月科学60秒-科学美国人 Most private insurance doesn't cover it. 大多数私人保险不覆盖。 BBC 听力 2014年7月合集 And many others are getting heavily subsidized private insurance. 另外一大部分人也享受到了私人保险方面的大力补贴。外研社新标准高中英语必修第2册 As a result, more people are using private health insurance. 结果越来越多的人选择了私人健康保险。 VOA常速英语_美洲 Three weeks later, her great private insurance stopped covering her medication. 三周后，她丰厚的私人保险不再承保她的药物。 VOA常速英语_美洲 And at the time, I had really great private insurance. 在那个时候，我有非常丰厚的私人保险。 VOA常速英语_美洲 When she had private health insurance, she says the birth went well. 当她有私人健康保险时，她说分娩进行得很顺利。经济 Crash Course That's because someone who switches from public insurance to private insurance gets counted in both numbers. 这是因为从公共保险转向私人保险的人被计算了两次。外研社新标准高中英语必修第2册 Most people have private health insurance. Doctors work for themselves and hospitals are privately owned. 大多数人都购买了私人健康保险。医生为自己工作，医院是私有的。 VOA Special 2018年10月合集 Supporters of the law said it would lead to better private insurance coverage for senior citizens. 该法案的支持者表示，这将为老年人提供更好的私人保险。 CRI在线 2020年6月合集 This refers to individuals who are not covered by the country's basic medical insurance or private insurance. 这是指没有参加国家基本医疗保险或个人保险的个人。外研社新标准高中英语必修第2册 The problem with this system is that poorer people don't have the money to pay for private health insurance. 这种系统的问题是，穷人没有钱购买私人健康保险。起源的故事 At the same time, most private insurance companies outsource negotiating medicine costs to pharmacy benefit managers, also known as “PBMs.” 与此同时，大多数私营保险公司将药品成本谈判外包给药房利益管理人员，也称为“药品福利管理人员”。科学快报-科学美国人Science Quickly, from SCIENTIFIC AMERICAN Private insurance companies are no longer required to cover at-home tests and lab tests. 私人保险公司不再需要承保家庭测试和实验室测试。经济学人（汇总） In a health system dependent on private insurance, there may be a case for giving workers such incentives, provided take-up is voluntary. 在依赖于商业保险的医疗体系中，或许有为员工提供这种激励的例子，假设佩戴设备是自愿参与的话。 2015 ESLPod Do we have to pay for private mortgage insurance? Kiko：我们必须支付私人抵押贷款保险吗？电台实验室 And they charge far less than the private insurance companies. 安妮：而且他们的收费比私人保险公司低得多。 Oxford Online English / Spoken English Lessons So, you have private health insurance? 那么，您有私人健康保险吗？ AP 听力 2013年12月合集 She said the number of people who signed up for private insurance coverage was three times higher in November than it was in October. 她称，11月份注册私人医保的人数是上个月的3倍。 VOA Special 2015年6月合集 The organization collects data from private insurance companies to measure the current cost of healthcare in the country. 该组织从私人保险公司收集数据，以衡量该国当前的医疗保健成本。科学快报-科学美国人Science Quickly, from SCIENTIFIC AMERICAN For a home test, Medicare members will have to pay like people with private insurance. 对于家庭测试，Medicare 成员必须像拥有私人保险的人一样支付费用。英语百科 Insurance Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. The amount of money charged by the insurer to the insured for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster.
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Private insurance

Insurance