情景英語口語100主題 025insurance保險(xiǎn)

25insurance

words

insurancepolicy

claim

insure(r)

(full)coverage

Policyholder

Risk(assessment)

Exemption

Premiums

Insuranceperiod

Lifeinsurance

Liability

Damage

Deductible(s)

Medicalinsurance

Travelinsurance

Settlement

Payment

Condition

Phrases

Makeaclaim

Insureanitem

Takeoutinsurance

Have…valuedat…

Paypremiums

Assessarisk

Payoutinsurance

Readthepolicy

Beginner

A:I’vejusttakeoutaninsurancepolicy.Areyouinsured?

B:yes,Iam.Ihavelifeinsuranceandmyhomeanditscontentsarealsoinsured.

A;Itookoutalifeinsurancepolicyandmakemywifebeneficiary.

B:that’sagoodidea.Youareafiremananditcanbeadangerousjob.

A:IneedtomakesurethatmywifewillbefinanciallysecureifIdie.

B;IcanterminatemylifeinsurancepolicywhenIretireandusethemoneyasapension.

A;that’soneoftheconditionsofmypolicytoo.Itcoversyouifyoudiebeforeyouretireandwhenyouretire.

B;didyouhavetotakeamedicalbeforeyoucouldtakeoutthepolicy?

B:yes,Idid.Itwasoneoftheconditionsoftheinsurancepolicy.Theinsurancecompanyneedtoassesstherisk.

Intermediate

A:goodmorning.I’dliketoasksomequestionsaboutyourinsurancepolicies.

B:ofcourse.Pleasesitdown.HowmanyIhelpyou?

A;Iboughtahouserecentlyandwouldliketoinsureitanditscontent.

B:Isee.Here’sapamphletaboutourhomeinsurancepolicy.We’venamedourpolicy”umbrella”.MayIaskhowmuchyoupaidforyourhomeandwhereyoulive?Thesearethetwomainthingthatdecidehowmuchyourpremiumsare.

A:Iunderstand.IliveintheOakfieldareaandpaid＄100,000formyhome.

B:letmejustcheckthatonmycomputer.Oaksfieldisalowriskarea,soyourpremiumswillprobablybearound＄100amonth.Theotherthingtotakeintoaccountisdeductibles.

A:inthispamphletitsaysthattheminimumamountfordeductiblesis＄2000.whatdoesthatmeanexactly?

B:itmeansThatthefirst＄2000ofanyclaimyoumakemustbepaidbyyou.Theinsurancepolicycoversanyamountabovethat,uptotheagreedlimit.

A:oh,Isee.That’sfine.Whatistheadvantageofhavinghigherdeductibles?

B;Ifyouhavehigherdeductibles,yourpremiumarelower,becauseyouwillpaymoreoftheclaimandwewillpayless.

A:itseemsthatIshoulddosomecalculationsbeforedeciding.Ipresumethattheinsuranceperiodcanbeforaslongasweaggress.

B:weinitiallysignone-yearpolicieswithourpolicyholders.Thesearerenewableafterthefirstyear.

A;ifIhaveaclaim,howlongdoesittaketomakeasettlement?I’veheardthatwithsomeinsurancecompanies,it