uncollected premium

简明释义

未收保险费

英英释义

例句

1.During the audit, the team discovered a large volume of uncollected premium from previous years.

在审计过程中，团队发现了大量来自前几年的未收保费。

2.The insurance company reported a significant amount of uncollected premium this quarter, which affects their cash flow.

保险公司报告本季度有大量的未收保费，这影响了他们的现金流。

3.To improve financial stability, the firm needs to address the issue of uncollected premium from clients.

为了改善财务稳定性，公司需要解决客户的未收保费问题。

4.The accountant highlighted that the uncollected premium could lead to potential losses if not managed properly.

会计强调，如果管理不当，未收保费可能会导致潜在损失。

5.The sales team was tasked with reducing the uncollected premium by improving customer follow-up.

销售团队的任务是通过改善客户跟进来减少未收保费。

作文

In the world of insurance, the term uncollected premium refers to the portion of insurance premiums that have been billed to policyholders but have not yet been received by the insurance company. This situation can arise for various reasons, including policyholder defaults, billing errors, or even administrative delays. Understanding uncollected premium is crucial for both insurance companies and policyholders, as it affects cash flow and financial stability.Insurance companies rely heavily on the timely collection of premiums to maintain their operations and fulfill their obligations to policyholders. When a premium remains uncollected premium, it can lead to significant cash flow issues. For instance, if a large number of policyholders fail to pay their premiums on time, the insurance company may struggle to meet its claims obligations or invest in new projects. Therefore, managing uncollected premium is a vital part of an insurer's financial strategy.From the perspective of policyholders, understanding the implications of uncollected premium is equally important. If a policyholder fails to pay their premium, they may risk losing coverage, which can be detrimental in times of need. For example, consider a family that has not paid their health insurance premium due to financial difficulties. If a medical emergency arises, they might find themselves without coverage, leading to exorbitant out-of-pocket expenses. Thus, timely payment of premiums is essential to avoid falling into the trap of uncollected premium.Moreover, the management of uncollected premium can also impact the pricing of insurance products. Insurers may adjust their rates based on the historical data of uncollected premiums. If a particular demographic or region shows a pattern of high uncollected premium, insurers might increase premiums for that group to offset potential losses. This can create a cycle where higher premiums lead to more policyholders being unable to pay, thus increasing the amount of uncollected premium.To mitigate the risks associated with uncollected premium, insurance companies often employ various strategies. These may include implementing more robust billing systems, offering flexible payment options, or providing incentives for early payments. Additionally, effective communication with policyholders can help ensure they understand the importance of maintaining their coverage by paying their premiums on time.In conclusion, the concept of uncollected premium is a critical aspect of the insurance industry that affects both insurers and policyholders. By understanding its implications, both parties can take proactive measures to manage their financial responsibilities better. For insurance companies, minimizing uncollected premium is essential for maintaining operational stability and ensuring they can meet their commitments. For policyholders, timely payment of premiums is crucial to secure their coverage and avoid potential financial hardships. Ultimately, a collaborative approach to managing uncollected premium can lead to a healthier insurance ecosystem benefiting all stakeholders involved.

在保险领域，术语未收取保费指的是已向投保人开具但尚未收到的保险保费部分。这种情况可能由于多种原因而发生，包括投保人违约、账单错误或甚至行政延误。理解未收取保费对保险公司和投保人都至关重要，因为它影响现金流和财务稳定性。保险公司在运营和履行对投保人的义务时，严重依赖及时收取保费。当保费处于未收取保费状态时，可能会导致显著的现金流问题。例如，如果大量投保人未能按时支付保费，保险公司可能会难以满足其索赔义务或投资新项目。因此，管理未收取保费是保险公司财务战略的重要组成部分。从投保人的角度来看，理解未收取保费的影响同样重要。如果投保人未能支付保费，他们可能面临失去保障的风险，这在需要时可能会造成严重后果。例如，考虑一个因经济困难而未支付健康保险保费的家庭。如果发生医疗紧急情况，他们可能发现自己没有保障，导致高额的自付费用。因此，及时支付保费对于避免陷入未收取保费的陷阱至关重要。此外，未收取保费的管理也可能影响保险产品的定价。保险公司可能根据未收取保费的历史数据调整费率。如果某个特定的人口或地区显示出高未收取保费的模式，保险公司可能会提高该组的保费以弥补潜在损失。这可能导致一个循环，即更高的保费导致更多投保人无法支付，从而增加未收取保费的数量。为了降低与未收取保费相关的风险，保险公司通常采用各种策略。这些可能包括实施更强大的账单系统、提供灵活的付款选项或为提前付款提供激励。此外，与投保人有效沟通可以帮助确保他们理解通过按时支付保费来维护其保障的重要性。总之，未收取保费的概念是保险行业的关键方面，影响着保险公司和投保人。通过理解其影响，双方可以采取主动措施更好地管理自己的财务责任。对于保险公司而言，减少未收取保费对维持运营稳定性和确保能够履行承诺至关重要。对于投保人而言，及时支付保费对于确保其保障和避免潜在的财务困难至关重要。最终，管理未收取保费的协作方法可以导致一个更健康的保险生态系统，使所有利益相关者受益。