在现代社会中，保险作为一种重要的风险管理工具，已经深入到人们的日常生活中。无论是健康、财产还是责任，保险都能提供必要的保障。为了更好地理解和运用保险相关知识，掌握一些基本的英语词汇是很有帮助的。以下是一些与保险相关的常用英语单词和短语：

1. Insurance - 保险

- 例句：He purchased insurance to protect his car from damage.

2. Policyholder - 投保人

- 例句：The policyholder is responsible for paying the premiums.

3. Premium - 保费

- 例句：She pays a high premium for her life insurance.

4. Claim - 索赔

- 例句：After the accident, he filed a claim with his insurance company.

5. Coverage - 保障范围

- 例句：Her insurance policy provides coverage for medical expenses.

6. Deductible - 免赔额

- 例句：Before the insurance kicks in, you have to pay the deductible.

7. Exclusion - 排除条款

- 例句：The policy includes an exclusion for natural disasters.

8. Liability - 责任

- 例句：Car insurance often covers liability in case of accidents.

9. Renewal - 续期

- 例句：He needs to renew his health insurance before it expires.

10. Underwriter - 核保人

- 例句：The underwriter assesses the risk before approving the policy.

11. Broker - 经纪人

- 例句：He hired a broker to find the best insurance deal.

12. Indemnity - 赔偿

- 例句：The insurance company agreed to pay indemnity for the loss.

这些词汇可以帮助你在处理保险事务时更有效地沟通。无论是在购买保险、申请索赔还是续签合同时，了解这些术语都能让你更加从容。希望这些基础词汇能为你的保险学习之旅提供帮助！