coinsurance clause

简明释义

共同保险条款

英英释义

例句

1.Understanding the coinsurance clause 共保条款 can help businesses avoid underinsurance and potential financial loss.

理解共保条款可以帮助企业避免不足投保和潜在的财务损失。

2.The coinsurance clause 共保条款 in the commercial property insurance policy required the owner to maintain coverage of at least 80%.

商业物业保险政策中的共保条款要求业主至少维持80%的保险覆盖率。

3.If the insured value is below the requirement set by the coinsurance clause 共保条款, the payout could be significantly reduced after a claim.

如果保险价值低于共保条款设定的要求，索赔后的赔付可能会大幅减少。

4.The homeowner was surprised to find a coinsurance clause 共保条款 in her insurance policy that required her to insure her property at a certain percentage of its value.

这位房主惊讶地发现她的保险政策中有一项共保条款，要求她以其财产价值的某个百分比投保。

5.Before signing the lease, the tenant reviewed the coinsurance clause 共保条款 to ensure he was adequately covered.

在签署租赁合同之前，租户审查了共保条款以确保他得到了充分的保障。

作文

In the realm of insurance, understanding various terms is crucial for policyholders to make informed decisions. One such term that often surfaces in property and health insurance policies is the coinsurance clause. The coinsurance clause is a provision that requires the insured party to carry a certain percentage of insurance coverage relative to the total value of the property or the medical expenses incurred. This clause is designed to encourage policyholders to insure their properties adequately and not underinsure them, which can lead to significant financial losses in the event of a claim.To illustrate the importance of the coinsurance clause, let’s consider an example involving property insurance. Suppose a homeowner has a house valued at $500,000 but only carries insurance for $300,000. If a disaster strikes and causes $200,000 worth of damage, the coinsurance clause may come into play. If the policy includes a 80% coinsurance requirement, the homeowner would need to have at least $400,000 in coverage (80% of $500,000). Since they only have $300,000, they are considered underinsured.This underinsurance could result in the homeowner receiving a reduced payout from the insurance company. In this case, the insurer might only cover a portion of the damages, leading the homeowner to pay out of pocket for the remaining costs. This demonstrates how critical it is for individuals to understand the coinsurance clause and ensure they meet the required coverage limits to avoid financial hardship.Furthermore, the coinsurance clause is also prevalent in health insurance policies. In this context, it refers to the percentage of costs that the insured must pay after meeting their deductible. For instance, if a health insurance plan has a 20% coinsurance rate, the insured will pay 20% of the medical expenses while the insurance company covers the remaining 80%. This arrangement means that the insured should be prepared for out-of-pocket costs following treatment, emphasizing the need for thorough understanding of one’s policy.The implications of the coinsurance clause extend beyond individual policyholders; they also affect the overall insurance market. Insurers use this clause to promote responsible insurance practices among their clients. By requiring a minimum level of coverage, insurers aim to minimize their risks and ensure that policyholders are invested in protecting their assets. This practice can lead to more stable insurance premiums and a healthier insurance pool, benefiting both companies and consumers.In conclusion, the coinsurance clause is a vital aspect of insurance contracts that serves to protect both the insurer and the insured. By understanding its implications and requirements, policyholders can better navigate their insurance options and ensure they are adequately covered against unforeseen events. Whether dealing with property or health insurance, being aware of the coinsurance clause can make a significant difference in financial preparedness and security. Therefore, it is imperative for anyone purchasing insurance to familiarize themselves with this clause and consult with insurance professionals if needed to clarify any uncertainties regarding their coverage.

在保险领域，理解各种术语对于投保人做出明智的决策至关重要。其中一个常见的术语是共保条款。共保条款是一项规定，要求投保方根据财产的总价值或发生的医疗费用承担一定比例的保险覆盖。这一条款旨在鼓励投保人充分投保，而不是低保，这可能导致在索赔时遭受重大财务损失。为了说明共保条款的重要性，让我们考虑一个涉及财产保险的例子。假设一位房主的房屋价值为50万美元，但仅投保30万美元。如果灾难发生并造成20万美元的损失，共保条款可能会发挥作用。如果政策中包含80%的共保要求，房主至少需要有40万美元的保险（50万美元的80%）。由于他们只有30万美元，因此被视为投保不足。这种不足的投保可能导致房主从保险公司获得减少的赔偿。在这种情况下，保险公司可能只会覆盖部分损失，导致房主不得不自掏腰包支付剩余费用。这表明，个人了解共保条款并确保满足所需的覆盖限额以避免财务困境是多么重要。此外，共保条款在健康保险政策中也很常见。在这种情况下，它指的是投保人在满足免赔额后必须支付的费用百分比。例如，如果健康保险计划的共保率为20%，则投保人将在医疗费用中支付20%，而保险公司将覆盖剩余的80%。这种安排意味着投保人应对治疗后的自付费用做好准备，强调了对自己政策的彻底理解的必要性。共保条款的影响不仅限于个别投保人；它们还影响整个保险市场。保险公司利用这一条款来促进客户负责任的保险实践。通过要求最低水平的保险覆盖，保险公司旨在降低风险，并确保投保人有投资保护其资产的意识。这一做法可以导致更稳定的保险费率和更健康的保险池，从而使公司和消费者都受益。总之，共保条款是保险合同中的一个重要方面，旨在保护保险公司和投保人。通过了解其影响和要求，投保人可以更好地应对保险选择，确保自己在不可预见事件面前得到充分保障。无论是处理财产保险还是健康保险，了解共保条款都可以在财务准备和安全性方面产生重大差异。因此，任何购买保险的人都必须熟悉这一条款，并在需要时咨询保险专业人士，以澄清对其覆盖范围的任何不确定性。