principal sum
principal sum — 名詞
1. a fixed amount of money that an insurance company agrees to pay to the person wh
理賠金
意外或健康保險約定的給付金額
a fixed amount of money that an insurance company agrees to pay to the person who holds the policy, or to their family, if the policyholder dies or loses a body part or eyesight in an accident that the policy covers
After Otis lost his leg in the factory accident, the insurer paid him the full principal sum.
Otis 在工廠意外中失去一條腿後，保險公司將全額理賠金支付給了他。
pay + the full principal sum (passive: was paid)
The principal sum for Ayana's travel insurance policy was stated on the first page.
Ayana 旅遊保險的理賠金金額寫在保單第一頁。
the principal sum for [policy] + passive
If the insured dies in a covered accident, the principal sum goes to their family.
若被保險人在承保範圍內的意外中死亡，理賠金會交給其家人。
When doctors confirmed Kevin had lost his sight, the insurer paid the principal sum within two weeks.
醫師確認 Kevin 失去視力後，保險公司在兩週內支付了理賠金。
the principal sum paid + time frame (within two weeks)
The policy document listed a principal sum of two hundred thousand dollars for accidental death.
保單上列出意外身故的理賠金為二十萬美元。
a principal sum of [amount] + for [type of claim]
- pay the principal sum
- receive the principal sum
- the full principal sum
- a principal sum of [amount]
- the principal sum for [policy type]
- payout
less formal and broader — can refer to any type of insurance or investment payment, not just the specific accident-related sum
- death benefit
narrower — only used when the insured person dies, whereas principal sum also covers loss of limb or sight
- face value
more common in life insurance; refers to the amount printed on the policy, which may be the same as the principal sum
文法句型
the principal sum
principal sum (of) [amount]
pay/receive the principal sum
用法筆記
This term appears almost exclusively in insurance policy documents and legal claims. The principal sum is a single pre-agreed amount, unlike a reimbursement that depends on actual expenses.