保单解释与比较
Policy Explanation and Comparison
代理人介绍为客户量身定制的不同保险方案（例如，人寿、健康、汽车、财产等），解释每种方案的特点、优势、保费、免赔额和除外责任。客户提出澄清问题并比较这些选项。
对话轮次
9
预计时长
4 分钟
场景
保险咨询
完整对话内容
以下是该情境的完整英语对话，包含中英文对照和重点解析
👨
Agent
第 1 轮
Good morning, Ms. Chen. Thanks for coming in. Based on our previous discussion about your needs, I've prepared a few options for you to consider.
English
早上好，陈女士。感谢您前来。根据我们之前对您需求的讨论，我为您准备了一些方案供您考虑。
中文翻译
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Client
第 2 轮
Good morning, Mr. Smith. I'm ready to dive in. What have you got for me?
English
早上好，史密斯先生。我准备好了。您给我准备了什么？
中文翻译
👨
Agent
第 3 轮
Alright. First, let's look at the comprehensive health insurance plan. It covers most medical expenses, including hospitalization, specialist visits, and prescription drugs, with a low deductible of $500. The annual premium is $3,500. Alternatively, there's a high-deductible health plan which has a lower premium of $2,000, but a $5,000 deductible.
English
好的。首先，我们来看看综合医疗保险计划。它涵盖大部分医疗费用，包括住院、专科医生就诊和处方药，自付额仅为500美元。年保费为3,500美元。另外，还有一个高自付额健康计划，保费较低，为2,000美元，但自付额为5,000美元。
中文翻译
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Client
第 4 轮
I see. So, with the high-deductible plan, I'd pay less monthly, but more out-of-pocket if I actually needed to use it for something significant. What about life insurance?
English
我明白了。所以，高自付额计划我每月支付的少，但如果我真的需要它，我就需要自付更多。那人寿保险呢？
中文翻译
👨
Agent
第 5 轮
Exactly. For life insurance, I've outlined two options: a 20-year term life policy with a $500,000 payout for $50 a month, or a whole life policy with the same $500,000 payout, but with a cash value component, for $150 a month. The whole life policy builds cash value over time that you can borrow against.
English
没错。人寿保险方面，我为您列出了两个选择：一份20年期定期寿险，保额50万美元，每月50美元；或一份保额相同的终身寿险，但带有现金价值部分，每月150美元。终身寿险会随着时间积累现金价值，您可以以此为抵押借款。
中文翻译
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Client
第 6 轮
That's a significant difference in premium. Just to clarify, the term life policy only pays out if I pass away within those 20 years, right? And the whole life policy is for my entire life, plus the cash value?
English
保费差距很大呀。我只是想澄清一下，定期寿险只有在我20年内去世才会赔付，对吗？而终身寿险是保我终身的，还有现金价值？
中文翻译
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Agent
第 7 轮
That's correct. The term life policy expires after 20 years, offering coverage during that period. The whole life policy remains in force for your entire life, and the cash value grows tax-deferred. It's a more permanent solution with a savings component.
English
是的。定期寿险在20年后到期，提供该期间的保障。而终身寿险则终身有效，现金价值免税增长。它是一个更永久的选择，并带有储蓄功能。
中文翻译
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Client
第 8 轮
Okay, that clears things up. I'm leaning towards the comprehensive health plan and the term life policy, as they seem to fit my current budget and immediate needs better. Can we go over the exclusions for the health plan, just to be absolutely sure?
English
好的，这下清楚了。我倾向于综合健康计划和定期寿险，因为它们似乎更符合我目前的预算和即时需求。我们能再仔细看看健康计划的除外责任吗，以确保万无一失？
中文翻译
👨
Agent
第 9 轮
Absolutely. The main exclusions for the comprehensive health plan typically include cosmetic surgery, experimental treatments, and pre-existing conditions that haven't been declared or have a waiting period. I'll highlight the specific clauses in the policy document for you.
English
当然可以。综合健康计划的主要除外责任通常包括美容手术、实验性治疗以及未申报或有等待期的既往病症。我会在保单文件中为您重点标注具体的条款。
中文翻译
🎯
对话学习完成
结合右侧的词汇和句型解析，加深理解和记忆
重点词汇
premium
保费
The regular payment you make to keep an insurance policy active, like a monthly fee.
中文解释
您为保持保险单有效而定期支付的款项，例如每月费用。
deductible
自付额
The amount of money you must pay out-of-pocket for medical or other costs before your insurance starts to cover the rest.
中文解释
在保险开始支付其余费用之前，您必须自掏腰包支付的医疗或其他费用的金额。
exclusions
排除项
Specific things or situations not covered by an insurance policy, such as certain treatments.
中文解释
保险单不涵盖的特定事物或情况，例如某些治疗。
comprehensive
全面的
Covering a wide range of things thoroughly, like a health plan that includes many medical services.
中文解释
彻底覆盖广泛范围的事物，比如一个包括许多医疗服务的健康计划。
payout
赔付
The amount of money an insurance company pays to the beneficiary, such as in life insurance after death.
中文解释
保险公司支付给受益人的资金金额，例如在人寿保险中因死亡而支付。
term life
定期寿险
A type of life insurance that provides coverage for a specific period, like 20 years, and pays out only if death occurs during that time.
中文解释
一种人寿保险，提供特定期限（如20年）的保障，仅在该期限内死亡时赔付。
whole life
终身寿险
A type of life insurance that covers you for your entire life and often includes a savings component.
中文解释
一种覆盖您一生的寿险类型，通常包括储蓄成分。
cash value
现金价值
The savings part of some insurance policies that grows over time and can be borrowed against.
中文解释
某些保险保单的储蓄部分，会随着时间增长，并且可以借用。
pre-existing conditions
既往症
Health problems you had before getting insurance, which might not be covered or have waiting periods.
中文解释
获得保险之前你就已经存在的健康问题，这些问题可能不被覆盖或有等待期。
重点句型
"Based on our previous discussion about your needs, I've prepared a few options for you to consider."
"基于我们之前关于您需求讨论，我为您准备了几个选项供您考虑。"
重点句型
语法解析
This sentence uses 'based on' to show something is decided from prior information; it's useful for professional talks to refer back to earlier conversations and introduce choices.
中文解析
这个句子使用 'based on' 来表示某事基于先前信息决定；在专业对话中，它用于回顾之前的谈话并引入选择，非常有用。
"I'm ready to dive in."
"我准备好深入探讨了。"
重点句型
语法解析
An idiomatic expression meaning 'I'm ready to start discussing in detail'; use it in meetings or consultations to show enthusiasm and readiness.
中文解析
一个习语，意思是“我准备好开始详细讨论了”；在会议或咨询中使用，以显示热情和准备就绪。
"It covers most medical expenses, including hospitalization, specialist visits, and prescription drugs."
"它涵盖大多数医疗费用，包括住院、专科医生就诊和处方药。"
重点句型
语法解析
This lists benefits using 'including' for examples; helpful for describing what something covers, like in insurance or product explanations, with parallel structure for clarity.
中文解析
这使用‘including’列出示例来列出福利；有助于描述某物覆盖的内容，例如在保险或产品说明中，使用并列结构以求清晰。
"I'd pay less monthly, but more out-of-pocket if I actually needed to use it for something significant."
"我每月支付的费用会更少，但如果实际需要用于重大事项，则自付费用会更多。"
重点句型
语法解析
Uses conditional 'if' for hypotheticals and contrasts with 'but'; practical for comparing costs in insurance, explaining trade-offs between low payments and higher personal expenses.
中文解析
使用条件'if'表示假设，并用'but'对比；实用于保险成本比较，解释低支付和高个人费用的权衡。
"The term life policy only pays out if I pass away within those 20 years, right?"
"定期寿险只有在我那些20年内去世时才会赔付，对吧？"
重点句型
语法解析
A clarifying question with 'right?' for confirmation; useful in discussions to check understanding, focusing on conditions with 'if' clauses.
中文解析
带有“right？”的澄清问题，用于确认；在讨论中用于检查理解，焦点在于带有“if”从句的条件。
"I'm leaning towards the comprehensive health plan and the term life policy."
"我倾向于全面健康计划和定期寿险保单。"
重点句型
语法解析
'Leaning towards' means preferring something slightly; great for expressing tentative choices in decisions, like shopping or consultations, without committing fully.
中文解析
“Leaning towards”意思是稍微偏向某事；非常适合表达决策中的暂定选择，比如购物或咨询，而不完全承诺。
"Can we go over the exclusions for the health plan, just to be absolutely sure?"
"我们可以仔细审查一下健康计划的排除条款吗？只是为了绝对确定。"
重点句型
语法解析
'Go over' means review in detail; this polite request uses 'just to be absolutely sure' for caution; ideal for asking for more details in important matters like contracts.
中文解析
‘Go over’ 意思是详细审查；这个礼貌的请求使用 ‘just to be absolutely sure’ 来表示谨慎；适合在像合同这样的重要事务中要求更多细节。