insurance
/ɪnˈʃʊərəns/ (bre, ipa) · /ɪnˈʃʊrəns/ (ame, ipa) · /in-ˈshu̇r-ən(t)s -ˈshər- also ˈin-ˌshu̇r- -ˌshər-/ (ame, mw) · /ɪnˈʃɔː.rəns/ (bre, ipa) · /ɪnˈʃɝː.əns/ (ame, ipa)
insurance — 名詞
- insurancesingular
- insurancesplural
1. A system in which a person makes regular payments to a company, and the company
保險
向保險公司繳費以獲得損失補償的制度
A system in which a person makes regular payments to a company, and the company pays for the person's expenses when something bad happens, such as damage, injury, or illness.
Hoa took out travel insurance before her trip to Japan.
Hoa 在去日本旅行前購買了旅遊保險。
collocation: take out + insurance
A tree fell on the roof, so the family filed an insurance claim for repairs.
一棵樹倒在屋頂上，所以這家人提交了保險理賠申請來支付修繕費用。
collocation: file an insurance claim
Ravindra pays for health insurance through his employer every month.
Ravindra 每個月透過雇主支付健康保險費用。
Without car insurance, you cannot legally drive on public roads in most countries.
沒有汽車保險，在多數國家你就不能合法上路開車。
The insurance company refused to pay because the damage was not covered by the policy.
保險公司拒絕支付賠償，因為這項損失不在保單的承保範圍內。
- coverage
focuses on the scope of what is protected; more informal than 'insurance'
- protection
broader term that does not require a formal financial agreement
- indemnity
formal/legal term meaning compensation for loss; rare in everyday speech
文法句型
insurance + against + noun/gerund
take out + insurance
have + insurance
用法筆記
Frequently used as an uncountable noun ('I need insurance'). Plural form ('insurances') appears when referring to multiple policies or types of coverage: 'She has several insurances on her properties.'
常見錯誤
2. An action, habit, or resource that helps prevent or reduce the harm caused by po
保障
防止未來損失的預防措施
An action, habit, or resource that helps prevent or reduce the harm caused by possible future problems.
Caleb installed a security system as insurance against break-ins.
Caleb 在家中安裝了保全系統，作為防盜的保障。
figurative: as insurance against [risk]
Keeping an emergency fund is good insurance for unexpected expenses like medical bills.
存一筆緊急備用金是應對醫療費用等意外開銷的良好保障。
Yuki made copies of every important document as insurance in case the originals were lost.
Yuki 將每份重要文件都做了備份，以備原件遺失。
The farmers planted three different crops as insurance against a single harvest failing.
農夫們種植了三種不同的作物，以防其中一種收成失敗。
For many families, having a second income is a form of insurance against financial hardship.
對許多家庭來說，擁有第二份收入是避免經濟困境的一種保障。
- protection
more direct and general; less metaphorical than 'insurance'
- safeguard
emphasizes active prevention; slightly more formal
- precaution
focuses on actions taken beforehand rather than a resource held in reserve
- risk
the thing that insurance protects against, not the protective measure itself
文法句型
as + insurance + against + noun/gerund
form of + insurance
用法筆記
Always singular. Almost always followed by 'against' to specify the risk being prevented. 'For' is occasionally used ('insurance for a rainy day') but is less natural.
常見錯誤
insurance — 形容詞
- insurancepositive
- more insurancecomparative
- most insurancesuperlative
1. In sports, describes an additional score that increases a team's existing lead s
保險分
體育中確保勝利的額外得分
In sports, describes an additional score that increases a team's existing lead so much that the trailing team cannot catch up or tie with a single further score.
The team scored an insurance run in the ninth inning, making the score 5 to 2.
該隊在第九局擊出一支保險分，將比數拉開為五比二。
collocation: insurance run
With an insurance goal in the final minutes, the home team secured their victory.
比賽最後幾分鐘的一記保險進球，為主隊確保了勝利。
collocation: insurance goal
James's insurance touchdown gave his school a comfortable lead late in the fourth quarter.
James 的保險達陣讓他的學校在第四節後半段取得穩固的領先。
That insurance point turned a possible tie into a sure win for the visitors.
那記保險分讓客隊避免了平局，穩操勝券。
文法句型
insurance + noun (run, goal, point, touchdown, etc.)
用法筆記
Only used before a noun in sports contexts. Cannot stand alone as a predicate: 'The run was insurance' is incorrect. Most common in American English sports commentary, especially baseball and American football.