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從事危險(xiǎn)的工作為什么要買保險(xiǎn)？給房子投保的內(nèi)容是什么

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2023年07月08日

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今天的這段對(duì)話，在討論保險(xiǎn)，

從事危險(xiǎn)的工作為什么要買保險(xiǎn)？給房子投保的內(nèi)容是什么

來聽今天的講解:

Beginner

A: I’ve just take out an insurance policy. Are you insured?

我剛買了一份保險(xiǎn)。你投保了嗎？

B: yes, I am. I have life insurance and my home and its contents are also insured.

是的，我有。我有人壽保險(xiǎn)，我的房子和里面的東西也有保險(xiǎn)。

A: I took out a life insurance policy and make my wife beneficiary.

我買了一份人壽保險(xiǎn)，讓我妻子成為受益人。

B: that’s a good idea. You are a fireman and it can be a dangerous job.

這是個(gè)好主意。你是一名消防員，這可能是一項(xiàng)危險(xiǎn)的工作。

A: I need to make sure that my wife will be financially secure if I die.

如果我死了，我需要確保我妻子在經(jīng)濟(jì)上有保障。

B: I can terminate my life insurance policy when I retire and use the money as a pension.

我可以在退休后終止我的人壽保險(xiǎn)，并將這筆錢用作養(yǎng)老金。

A: that’s one of the conditions of my policy too. It covers you if you die before you retire and when you retire.

這也是我政策的一個(gè)條件。如果你在退休前和退休時(shí)去世，它會(huì)為你提供保障。

B: did you have to take a medical before you could take out the policy?

你必須先體檢才能辦理保單嗎？

B: yes, I did. It was one of the conditions of the insurance policy. The insurance company need to assess the risk.

是的。這是保險(xiǎn)單的條件之一。保險(xiǎn)公司需要評(píng)估風(fēng)險(xiǎn)。

Intermediate

A: good morning. I’d like to ask some questions about your insurance policies.

早上好。我想問一些關(guān)于你的保險(xiǎn)單的問題。

B: of course. Please sit down. How many I help you?

當(dāng)然可以。請(qǐng)坐下。我?guī)湍愣嗌伲?/font>

A: I bought a house recently and would like to insure it and its content.

我最近買了一棟房子，想為它及其內(nèi)容投保。

B: I see. Here’s a pamphlet about our home insurance policy. We’ve named our policy ”umbrella”. May I ask how much you paid for your home and where you live? These are the two main thing that decide how much your premiums are.

我明白了。這是一本關(guān)于我們房屋保險(xiǎn)單的小冊(cè)子。我們把我們的保單命名為“保護(hù)傘”。我可以問一下你為你的房子付了多少錢，住在哪里嗎？這是決定保費(fèi)金額的兩個(gè)主要因素。

A: I understand. I live in the Oakfield area and paid ＄100,000 for my home.

我明白。我住在奧克菲爾德地區(qū)，花了10萬美元買了我的房子。

B: let me just check that on my computer. Oaksfield is a low risk area, so your premiums will probably be around ＄100 a month. The other thing to take into account is deductibles.

讓我在電腦上查一下。奧克斯菲爾德是一個(gè)低風(fēng)險(xiǎn)地區(qū)，所以你每月的保費(fèi)可能在100美元左右。另一個(gè)需要考慮的是免賠額。

A: in this pamphlet it says that the minimum amount for deductibles is ＄2000. what does that mean exactly?

在這本小冊(cè)子中，它說最低免賠額是2000美元。這到底是什么意思？

B: it means That the first ＄2000 of any claim you make must be paid by you. The insurance policy covers any amount above that, up to the agreed limit.

這意味著你提出的任何索賠的第一筆2000美元都必須由你支付。保險(xiǎn)單涵蓋超過這一數(shù)額的任何金額，最高不超過約定的限額。

A: oh, I see. That’s fine. What is the advantage of having higher deductibles?

哦，我明白了。沒關(guān)系。有更高的免賠額有什么好處？

B: If you have higher deductibles, your premium are lower, because you will pay more of the claim and we will pay less.

如果您有更高的免賠額，您的保費(fèi)就會(huì)更低，因?yàn)槟鷮⒅Ц陡嗟乃髻r，而我們將支付更少的索賠。

A: it seems that I should do some calculations before deciding. I presume that the insurance period can be for as long as we aggress.

看來我應(yīng)該先計(jì)算一下再?zèng)Q定。我想只要我們同意，保險(xiǎn)期就可以。

B: we initially sign one-year policies with our policyholders. These are renewable after the first year.

我們最初與投保人簽訂為期一年的保單。這些保單在第一年后可續(xù)期。

A: if I have a claim, how long does it take to make a settlement? I’ve heard that with some insurance companies, it can take monthes.

如果我有索賠，需要多長(zhǎng)時(shí)間才能達(dá)成和解？我聽說有些保險(xiǎn)公司可能需要幾個(gè)月的時(shí)間。

B: that is of great concern to out clients. We aim to satisfy all claims within a month, but we can’t guarantee that.