deductible

简明释义

英[dɪˈdʌktəbl]美[dɪˈdʌktəbl]

adj. 可扣除的，可减免的

n. <美>免赔额

英英释义

单词用法

同义词

反义词

例句

1.Monetary and other gifts are normally deductible by the donor for tax purposes.

而金钱捐赠和其它礼物则是捐献者出于减免税费的目的而捐赠的。

2.Consider raising your deductible for lower rates.

考虑下以低利率来增加你的可扣款。

3.Contributions will be almost 50% tax-deductible, compared with less than 10% now.

与现在少于10%相比起来，以后所有的捐赠将会有差不多50%是可免税的。

4.But, in practice, interest payments are generally tax-deductible; dividends are not.

但在实践中，支付的利息通常是可减税的；红利则不行。

5.Part of the auto-loan interest is deductible as a business expense.

作为一项业务支出，汽车消费的部分贷款利息是可以扣除的。

6.Unfortunately, the IRS has not declared bad dates to be tax deductible expenses.

不幸的是，美国国税局并没有宣布糟糕的约会等于可扣税的开支。

7.And now America's biggest employer has joined the high-deductible trend. That is bound to have an impact.

何况现在美国最大的企业也已加入了这个高减免额保险潮流之中，这类方案必定会产生一定的效果。

8.Many health insurance plans have a high deductible, which means you pay more out of pocket before coverage kicks in.

许多健康保险计划有较高的免赔额，这意味着在保险开始支付之前，你需要自掏腰包支付更多费用。

9.If your car insurance has a deductible of $500, you'll need to pay that amount before the insurance covers any damages.

如果你的汽车保险有$500的免赔额，你需要先支付这笔费用，保险才能覆盖任何损失。

10.It's important to consider the deductible when choosing a home insurance policy.

在选择房屋保险政策时，考虑免赔额是很重要的。

11.Some employers offer health plans with lower premiums but higher deductibles.

一些雇主提供的健康计划有较低的保费，但免赔额较高。

12.You can save money on your monthly premium by opting for a plan with a higher deductible.

通过选择一个具有较高免赔额的计划，你可以节省每月的保费。

作文

Understanding the concept of a deductible is essential for anyone navigating the world of insurance. A deductible refers to the amount of money that an insured individual must pay out-of-pocket before their insurance coverage kicks in. This term is commonly associated with health, auto, and homeowners insurance policies. The purpose of a deductible is to prevent minor claims from overwhelming the insurance system and to encourage policyholders to take responsibility for smaller expenses. For instance, let’s consider health insurance. If your policy has a deductible of $1,000, you will need to pay the first $1,000 of your medical bills before your insurance starts covering the costs. This means that if you have a surgery costing $5,000, you will be responsible for paying $1,000, and the insurance will cover the remaining $4,000. Understanding how a deductible works can help individuals make informed decisions about their healthcare and financial planning. In the context of auto insurance, a deductible plays a similar role. If you are involved in a car accident and your vehicle incurs damages worth $3,000, and you have a deductible of $500, you will need to pay the first $500 yourself. The insurance company will then cover the remaining $2,500. Choosing a higher deductible can result in lower monthly premiums, but it also means you’ll need to pay more out-of-pocket in case of a claim. Homeowners insurance also utilizes deductibles. In the event of damage to your home due to a natural disaster or theft, you will need to pay the deductible amount before the insurance company pays for the repairs or replacements. For example, if your home suffers $10,000 worth of damage and your deductible is $1,000, you will cover the first $1,000, and the insurer will handle the remaining $9,000. The choice of a deductible is a critical aspect of selecting an insurance policy. Individuals must weigh their financial situation and risk tolerance when deciding on the amount of the deductible. A lower deductible typically means higher premiums, which may not be affordable for everyone. Conversely, a higher deductible could lead to significant savings on monthly payments but may pose a financial burden during an unexpected event. Moreover, understanding the implications of a deductible can also influence how individuals approach their healthcare and other risks. For instance, those with a high deductible health plan might be more inclined to seek preventive care and routine check-ups to avoid larger medical expenses later on. This proactive approach can ultimately lead to better health outcomes and lower overall costs. In conclusion, the term deductible is a fundamental concept in insurance that affects how individuals manage their expenses and risks. By understanding what a deductible is and how it works, consumers can make more informed choices about their insurance policies, ensuring they select options that align with their financial capabilities and personal preferences. Whether dealing with health, auto, or homeowners insurance, grasping the nuances of a deductible can lead to better financial decisions and peace of mind in times of uncertainty.

理解免赔额的概念对于任何在保险领域中摸索的人来说都是至关重要的。免赔额是指被保险人必须自付的金额，只有在支付了这一金额后，其保险保障才会生效。这个术语通常与健康、汽车和房主保险政策相关。免赔额的目的是防止小额索赔淹没保险系统，并鼓励保单持有人对较小的费用负责。 例如，让我们考虑健康保险。如果你的保单有一个免赔额为1000美元，你需要在保险开始覆盖费用之前，先支付你医疗账单的前1000美元。这意味着如果你的手术费用为5000美元，你将需要承担1000美元，而保险将承担剩余的4000美元。理解免赔额的运作方式可以帮助个人在医疗保健和财务规划方面做出明智的决策。 在汽车保险的背景下，免赔额也发挥着类似的作用。如果你涉及一场车祸，车辆损坏价值为3000美元，而你的免赔额为500美元，你需要自己支付前500美元。然后，保险公司将覆盖剩余的2500美元。选择较高的免赔额可能会导致较低的月度保费，但这也意味着在索赔时你需要支付更多的自付费用。 房主保险也使用免赔额。在自然灾害或盗窃造成家庭损坏的情况下，你需要支付免赔额金额，然后保险公司才会支付修理或更换的费用。例如，如果你的房屋遭受了价值10000美元的损坏，而你的免赔额为1000美元，你将承担前1000美元的费用，保险公司将处理剩余的9000美元。 免赔额的选择是选择保险政策的关键方面。个人在决定免赔额的金额时，必须权衡他们的财务状况和风险承受能力。较低的免赔额通常意味着较高的保费，这对于并非每个人都能负担得起。相反，较高的免赔额可能会导致每月支付的显著节省，但在突发事件中可能会造成财务负担。 此外，理解免赔额的影响也可以影响个人如何处理医疗保健和其他风险。例如，拥有高免赔额健康计划的人可能更倾向于寻求预防护理和常规检查，以避免未来出现更大的医疗费用。这种主动的方法最终可以导致更好的健康结果和更低的总体成本。 总之，免赔额这个术语是保险中的一个基本概念，它影响个人如何管理支出和风险。通过理解免赔额是什么以及它是如何运作的，消费者可以更明智地选择保险政策，确保他们选择符合自身财务能力和个人偏好的选项。无论是在处理健康、汽车还是房主保险，掌握免赔额的细微差别都可以带来更好的财务决策和在不确定时期的安心。