從事危險(xiǎn)的工作為什么要買(mǎi)保險(xiǎn)？給房子投保的內(nèi)容是什么
從事危險(xiǎn)的工作為什么要買(mǎi)保險(xiǎn)？給房子投保的內(nèi)容是什么
來(lái)聽(tīng)今天的講解:
Beginner
A: I’ve just take out an insurance policy. Are you insured?
我剛買(mǎi)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(mǎi)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(qián)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(wèn)一些關(guān)于你的保險(xiǎn)單的問(wèn)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(mǎi)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(wèn)一下你為你的房子付了多少錢(qián)，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(wàn)美元買(mǎi)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(shuō)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(guò)這一數(shù)額的任何金額，最高不超過(guò)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(méi)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(lái)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(tīng)說(shuō)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.
這是我們客戶非常關(guān)心的問(wèn)題。我們的目標(biāo)是在一個(gè)月內(nèi)解決所有索賠，但我們不能保證.
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