uninsurable

简明释义

英[ˌʌnɪnˈʃʊərəbl;ˌʌnɪnˈʃɔːrəbl]美[ˌʌnɪnˈʃʊrəbl]

adj. 不可予以保险的

英英释义

单词用法

同义词

反义词

例句

1.By 2003 he was an uninsurable serial relapser famous for being pulled out of hotels or other people's homes in an addled, disheveled state.

到2003年，他因以迷乱颓废、衣冠不整的形象从宾馆或他人的家中出来，成了一位不可信任、不断故态复萌的“名人”。

2.Uninsurable risk: one that cannot be clearly described or calculated and is not often met, so that no insurer will insure.

非可保风险：一种不能被明确规定或计算并且不是经常遇到的，因此没有保险人愿意承保的风险。

3.Increasing demands for insurance of traditionally uninsurable risks triggered the advent of "alternative risk transfer" (ART).

随着人们对传统“不可保”风险的保险需求的加大，“非传统风险转移”市场即ART应运而生。

4.As volcano eruption is deemed to be an uninsurable risk, there are few studies to turn to.

因为现在认为火山爆发是不可投保的风险，所以有关火山喷发的研究甚少。

5.The appraisal results helped to categorize these risks into insurable risks and uninsurable risks, which was key for designing the TMALL liability insurance plan and policy clauses.

根据评价结果得出了可保风险及不可保风险作为保险条款制定的重要依据。

6.For the most part, faulty work is considered an uninsurable business risk that contractors must retain.

在大多数情况下，错误的工作被认为是无法承保的商业风险，承建商必须保留。

7.The appraisal results helped to categorize these risks into insurable risks and uninsurable risks, which was key for designing the TMALL liability insurance plan and policy clauses.

根据评价结果得出了可保风险及不可保风险作为保险条款制定的重要依据。

8.If you have a history of severe claims, your property may be classified as uninsurable.

如果你有严重索赔的历史，你的财产可能会被归类为不可保险的。

9.Certain breeds of dogs can be considered uninsurable due to their aggressive tendencies.

某些犬种由于其攻击性倾向可能被视为不可保险的。

10.Many pre-existing medical conditions are considered uninsurable.

许多既往病症被认为是不可保险的。

11.Due to the high risk of natural disasters, some areas are deemed uninsurable by insurance companies.

由于自然灾害的高风险，一些地区被保险公司视为不可保险的。

12.The high frequency of accidents in this area makes it uninsurable for standard auto policies.

该地区事故频繁，使其对于标准汽车保险政策来说是不可保险的。

作文

In today's world, insurance plays a crucial role in managing risks and providing financial security. However, there are certain situations and circumstances that can lead to the classification of a risk as uninsurable. This term refers to conditions or events that insurance companies deem too risky to cover, often due to the high likelihood of loss or the unpredictability associated with them. Understanding what makes something uninsurable is essential for individuals and businesses alike, as it influences their decisions regarding risk management and financial planning.One common example of an uninsurable risk is related to natural disasters in areas that are prone to such events. For instance, homes located in flood zones may find it difficult to obtain flood insurance. Insurance companies assess the probability of a flood occurring and the potential damage it could cause. If the risk is deemed too high, they may classify it as uninsurable, leaving homeowners vulnerable to significant financial loss without any coverage.Another scenario where risks become uninsurable is in cases involving pre-existing conditions in health insurance. Individuals with chronic illnesses may face challenges when trying to secure health coverage. Insurance providers often exclude these conditions from coverage, categorizing them as uninsurable because of the high costs associated with their treatment. This situation highlights the importance of understanding one’s health status and the implications it has on insurance options.Moreover, certain business ventures can also be considered uninsurable. Startups in highly volatile industries, such as cryptocurrency, may struggle to find insurance coverage. The rapid changes and uncertainties in these markets make it difficult for insurers to assess risk accurately. As a result, many of these businesses operate without the safety net that insurance provides, exposing themselves to potential losses that could be devastating.The concept of uninsurable risks extends to liability insurance as well. For example, if a business engages in illegal activities, it will likely find it impossible to obtain liability coverage. Insurers avoid covering actions that violate laws or regulations, as the outcomes can lead to significant financial repercussions. Hence, engaging in unlawful practices not only poses legal risks but also renders the business uninsurable in the eyes of insurance providers.Understanding uninsurable risks is vital for effective risk management. Individuals and businesses must evaluate their circumstances and identify potential risks that could fall into this category. By recognizing these risks, they can take proactive measures to mitigate them, such as investing in safety protocols, diversifying investments, or seeking alternative forms of protection.In conclusion, the term uninsurable signifies a critical aspect of the insurance landscape. It encompasses risks that are deemed too great for insurance companies to cover, impacting both individuals and businesses. By being aware of what constitutes uninsurable risks, people can make informed decisions about their financial futures and protect themselves against unforeseen events. Ultimately, understanding and addressing these risks is key to achieving long-term stability and security in an unpredictable world.

在当今世界，保险在管理风险和提供财务安全方面发挥着至关重要的作用。然而，有些情况和环境可能导致某种风险被归类为不可投保。这个术语指的是保险公司认为过于冒险而无法承保的条件或事件，通常是由于损失的高可能性或与之相关的不可预测性。理解什么使某物变得不可投保对个人和企业来说至关重要，因为这影响他们在风险管理和财务规划方面的决策。一个常见的不可投保风险的例子与自然灾害有关，在这些地区容易发生此类事件。例如，位于洪水区的房屋可能很难获得洪水保险。保险公司评估洪水发生的概率及其可能造成的损害。如果风险被认为过高，他们可能将其归类为不可投保，使房主在没有任何保障的情况下面临重大财务损失的风险。另一个使风险变得不可投保的情景是与健康保险中的既往疾病相关的情况。患有慢性疾病的个人在尝试获得健康保险时可能面临挑战。保险提供者通常会将这些状况排除在承保范围之外，将其归类为不可投保，因为与其治疗相关的费用很高。这种情况突显了了解自身健康状况及其对保险选择的影响的重要性。此外，某些商业风险也可以被视为不可投保。在高度波动的行业（如加密货币）中，初创企业可能难以找到保险覆盖。由于这些市场的快速变化和不确定性，保险公司很难准确评估风险。因此，许多这些企业在没有保险提供的安全网的情况下运营，使自己暴露于可能造成毁灭性损失的潜在风险中。不可投保风险的概念还扩展到责任保险。例如，如果一家企业从事非法活动，它可能会发现几乎不可能获得责任保险。保险公司避免承保违反法律或法规的行为，因为这些行为的结果可能导致重大的财务后果。因此，从事非法活动不仅带来了法律风险，还使该企业在保险提供者眼中变得不可投保。理解不可投保风险对于有效的风险管理至关重要。个人和企业必须评估自己的情况，识别可能落入这一类别的潜在风险。通过认识到这些风险，他们可以采取积极措施来减轻这些风险，例如投资于安全协议、分散投资或寻求替代保护形式。总之，不可投保一词标志着保险领域的一个关键方面。它包含了被保险公司认为过于庞大的风险，影响着个人和企业。通过意识到什么构成不可投保的风险，人们可以对自己的财务未来做出明智的决策，并保护自己免受不可预见事件的影响。最终，理解和应对这些风险是实现长期稳定和安全的关键，尤其是在一个不可预测的世界中。