deductibles

简明释义

英[dɪˈdʌktəblz]美[dɪˈdʌktəblz]

n. [保险]免赔额（deductible 的复数）；自付额

英英释义

单词用法

同义词

反义词

例句

1.Significantly, however, the law does not require equal co-payments or deductibles.

然而值得注意的是，该法律不要求同等的支付或扣除。

2."Americans face skyrocketing premiums and soaring deductibles," Enzi said, according to a statement from his office.

“美国人民面对着急速增长的保费和高额的免赔额，”恩兹在其办公室的一份声明中说道。

3.You need to weigh the cost of the two coverages with the value of your car and your chosen deductibles.

你必须权衡成本两个全景与价值，你的车和你的选择绝对免赔额。

4.Raising your deductibles is the easiest way to reduce your rates.

提高您的免赔额是最简单的方法，以减少您的费率。

5.We kept our plan roughly the same over those five years, meaning we had the same coverage, deductibles and co-pays.

我们在过去的五年里并没有严格执行我们的这个计划，这个意思就是我们曾经有相同的保额、扣除额数和固定额数。

6.A second demand-related costeffect will result from the fact that insurance,(even with deductibles andcopayments, drives a wedge between the cost of a service and its price, and soincreases demand.

第二个需求相关的影响源自保险，（即使有免赔和自负）像楔子一样嵌入服务成本和价格之间这一事实，因此，将导致需求增加。

7.Hold onto that money and put it in a savings account to meet those higher deductibles should the need arise.

保存好这笔钱，存进帐户，以满足更高的扣除费用。

8.The deductibles are too high.

扣除额太高了。

9.Many health insurance plans have high deductibles, making it necessary to pay out-of-pocket before coverage begins.

许多健康保险计划的免赔额很高，这使得在保障开始之前需要自掏腰包。

10.When choosing a car insurance policy, consider the deductibles you are willing to pay in case of an accident.

在选择汽车保险政策时，考虑一下你愿意在发生事故时支付的免赔额。

11.Some people prefer plans with lower deductibles because they want to minimize their out-of-pocket expenses.

一些人更喜欢低免赔额的计划，因为他们想要最小化自付费用。

12.It's important to understand how deductibles work when signing up for a new health insurance plan.

在注册新的健康保险计划时，了解免赔额的运作方式是很重要的。

13.If you have a high deductible health plan, you might want to consider a Health Savings Account (HSA).

如果你有高免赔额的健康计划，你可能想考虑一个健康储蓄账户（HSA）。

作文

Understanding health insurance can be quite complex, especially when it comes to terms like deductibles. A deductible is the amount of money that a policyholder must pay out-of-pocket before their insurance coverage kicks in. For instance, if you have a health insurance plan with a deductible of $1,000, you will need to pay the first $1,000 of your medical expenses before your insurer starts to pay for covered services. This concept plays a crucial role in determining how much you will ultimately spend on healthcare each year. When choosing a health insurance plan, understanding the deductibles involved is essential. Plans with lower deductibles usually come with higher monthly premiums, while those with higher deductibles tend to have lower premiums. This trade-off means that individuals must carefully assess their healthcare needs and financial situation before selecting a plan. For example, someone who frequently visits doctors and requires regular medications might benefit from a plan with a lower deductible, as they would reach the deductible threshold more quickly and minimize their out-of-pocket costs. On the other hand, a healthy individual who rarely seeks medical attention might opt for a plan with a higher deductible to save on monthly premiums. However, this choice comes with risks. If an unexpected health issue arises, they could find themselves facing significant medical bills before their insurance begins to cover costs. Therefore, it is crucial to weigh the potential risks against the savings on premiums when considering deductibles. In addition to health insurance, deductibles also appear in other types of insurance, such as auto and home insurance. In these cases, a deductible works similarly; it is the amount you must pay out of pocket before the insurance company covers the remaining costs after an incident. For example, if you have a car insurance policy with a deductible of $500 and you get into an accident that results in $3,000 worth of damage, you would pay the first $500, and your insurance would cover the remaining $2,500. Understanding the implications of deductibles can help individuals make informed decisions not only about their health insurance but also about other types of insurance. It encourages consumers to consider their financial situations and potential risks, leading to better overall planning. In essence, being aware of how deductibles function allows individuals to budget effectively for both expected and unexpected expenses. In conclusion, deductibles are a fundamental aspect of many insurance policies that can significantly impact an individual's financial responsibilities. By understanding what deductibles entail and how they work, policyholders can make better choices regarding their insurance options. Whether it’s for health, auto, or home insurance, recognizing the balance between premiums and deductibles is key to effective financial planning and ensuring adequate coverage when it matters most.

了解健康保险可能相当复杂，特别是当涉及到像免赔额这样的术语时。免赔额是保单持有人在保险保障开始生效之前，必须自掏腰包支付的金额。例如，如果您拥有一项免赔额为1000美元的健康保险计划，您需要在保险公司开始支付涵盖的服务费用之前，首先支付1000美元的医疗费用。这个概念在决定您每年最终花费多少医疗费用中起着至关重要的作用。 在选择健康保险计划时，理解相关的免赔额非常重要。通常，具有较低免赔额的计划会有较高的月保费，而那些具有较高免赔额的计划则往往保费较低。这种权衡意味着个人在选择计划之前，必须仔细评估他们的医疗需求和财务状况。例如，频繁就医并需要定期用药的人可能会受益于较低免赔额的计划，因为他们将更快地达到免赔额门槛，从而减少自付费用。 另一方面，健康状况良好、很少寻求医疗帮助的人可能会选择具有较高免赔额的计划，以节省月保费。然而，这种选择也带来了风险。如果出现意外的健康问题，他们可能会面临显著的医疗账单，在保险开始承担费用之前。因此，在考虑免赔额时，仔细权衡潜在风险与保费节省是至关重要的。 除了健康保险外，免赔额还出现在其他类型的保险中，例如汽车保险和房屋保险。在这些情况下，免赔额的运作方式类似；它是您在保险公司覆盖事件后剩余费用之前，必须自掏腰包支付的金额。例如，如果您有一份免赔额为500美元的汽车保险政策，而您发生了一起造成3000美元损失的事故，您将支付前500美元，您的保险公司将支付剩余的2500美元。 理解免赔额的影响可以帮助个人不仅做出关于健康保险的明智决定，还能对其他类型的保险做出合理选择。它鼓励消费者考虑他们的财务状况和潜在风险，从而促进更好的整体规划。归根结底，意识到免赔额的运作方式使个人能够有效地为预期和意外支出进行预算。 总之，免赔额是许多保险政策中的一个基本方面，可能会显著影响个人的财务责任。通过理解免赔额的含义及其运作方式，保单持有人可以更好地选择他们的保险选项。无论是健康保险、汽车保险还是房屋保险，认识到保费与免赔额之间的平衡是有效财务规划的关键，并确保在最重要的时候获得足够的保障。