处理异议和顾虑
Handling Objections and Concerns
客户对所提议保险的成本、必要性、复杂性或感知限制提出担忧或异议。代理人耐心解答这些顾虑，提供进一步澄清，并提供解决方案或替代方案。
对话轮次
7
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
👩
Client
第 1 轮
Thanks for explaining everything, Sarah. But honestly, the comprehensive plan feels a bit pricy. Is there a more affordable option that still offers decent coverage?
English
谢谢你解释了所有，莎拉。但老实说，这个综合计划感觉有点贵。有没有更实惠的选项，但仍能提供不错的保障？
中文翻译
👩
Insurance Agent
第 2 轮
I understand your concern about the cost, Emma. We can definitely explore alternatives. What are your primary concerns regarding coverage? For instance, are you most worried about critical illness, or is accident protection a higher priority?
English
我理解你对费用的担忧，艾玛。我们绝对可以探讨其他选择。你对保障的主要担忧是什么？例如，你最担心重大疾病，还是意外保障是更高的优先级？
中文翻译
👩
Client
第 3 轮
Well, critical illness coverage is important, but I also don't want to over-insure. It just seems like a lot to commit to right now.
English
嗯，重大疾病覆盖很重要，但我也22不想过度投保。现在投入这么多似乎有点大。
中文翻译
👩
Insurance Agent
第 4 轮
That's a very valid point. How about we look at a modular plan? This would allow you to select core critical illness coverage and then add specific riders, like accidental death or disability, as your budget allows. It offers more flexibility.
English
这是一个非常有效的观点。我们看看模块化计划怎么样？这样你可以选择核心的重大疾病保障，然后根据你的预算添加特定的附加险，比如意外身故或伤残。它提供了更大的灵活性。
中文翻译
👩
Client
第 5 轮
A modular plan, you say? That sounds interesting. So, I wouldn't be paying for things I don't necessarily need right away?
English
你说模块化计划？那听起来很有意思。那么，我暂时就不必为我不需要的东西付费了？
中文翻译
👩
Insurance Agent
第 6 轮
Exactly. You start with what's most crucial for your peace of mind and can always adjust or increase your coverage later on. This way, you get essential protection without feeling overwhelmed by the initial cost. Would you like me to walk you through a few options for that?
English
正是如此。你从对你来说最重要的部分开始，并且总能在以后调整或增加你的保障。这样，你就能获得必要的保护，而不会感到初始成本过高。你希望我为你介绍几个这方面的选项吗？
中文翻译
👩
Client
第 7 轮
Yes, please. That would be very helpful. I appreciate you taking the time to find something that fits my budget better.
English
是的，请。那会很有帮助。感谢你花时间找到了更符合我预算的方案。
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
pricy
贵的
An informal way to say 'expensive' or 'costly'. Use it when something feels too expensive, like 'This phone is a bit pricy.'
中文解释
一种非正式的说法，表示“昂贵”或“代价高”。当某物感觉太贵时使用，比如“这手机有点贵。”
affordable
负担得起的
Means something you can buy or pay for without financial stress. Common in shopping or services, e.g., 'I need an affordable car.'
中文解释
意指无需财务压力即可购买或支付的事物。在购物或服务中常见，例如‘I need an affordable car.’
coverage
覆盖范围
In insurance, it refers to the protection or benefits provided by a policy. Use it to ask about what is included, like 'What coverage does this plan offer?'
中文解释
在保险中，它指的是保险单提供的保护或福利。使用它来询问包含什么，比如‘这个计划提供什么覆盖范围？’
concern
担忧
A feeling of worry or unease about something. Often used politely in conversations, e.g., 'I have a concern about the price.'
中文解释
一种对某事感到担心或不安的情绪。通常在对话中礼貌地使用，例如，“我对价格有顾虑。”
alternatives
备选方案
Other choices or options available. Useful when discussing options, like 'Are there alternatives to this product?'
中文解释
可用的其他选择或选项。在讨论选项时有用，例如 '这个产品有替代品吗？'
critical illness
重大疾病
Serious health conditions like cancer or heart disease that insurance might cover. Common in medical or insurance talks.
中文解释
如癌症或心脏病等严重健康状况，保险可能覆盖。在医疗或保险讨论中常见。
modular
模块化的
Something built from separate parts that can be added or removed, like a customizable plan. Use for flexible systems, e.g., 'a modular furniture set.'
中文解释
由可添加或移除的独立部件构建而成的东西，就像一个可定制的计划。用于灵活系统，例如“模块化家具套件”。
riders
附加险
Additional options added to an insurance policy for extra coverage, like accident benefits. Specific to insurance contexts.
中文解释
添加到保险单以获得额外保障的附加选项，例如意外福利。具体针对保险情境。
flexibility
灵活性
The ability to change or adapt easily. Useful in business or personal plans, e.g., 'This job offers flexibility in hours.'
中文解释
轻松改变或适应的能力。在商业或个人计划中有用，例如，'这份工作提供工作时间的灵活性。'
peace of mind
心安
A feeling of security and no worries. Often used with protection, like 'Insurance gives me peace of mind.'
中文解释
一种安全感和无忧的感觉。通常与保护一起使用，比如'保险给我带来心安。'
重点句型
"Thanks for explaining everything, but honestly, the comprehensive plan feels a bit pricy."
"谢谢你解释了一切，但老实说，全面计划感觉有点贵。"
重点句型
语法解析
This sentence politely raises an objection using 'but honestly' to soften criticism. 'Feels a bit pricy' is an informal way to express cost concerns. Useful for negotiations when you want to suggest something is too expensive without being rude.
中文解析
这个句子使用‘but honestly’来缓和批评，礼貌地提出异议。‘Feels a bit pricy’是非正式表达成本担忧的方式。在谈判中，当你想礼貌地建议某物太贵时很有用。
"I understand your concern about the cost."
"我理解您对成本的担忧。"
重点句型
语法解析
A empathetic response showing you listen to the speaker's worry. 'Understand your concern' is a common phrase in customer service to build trust. Use it to acknowledge feelings before offering solutions.
中文解析
一种共情的回应，显示您在倾听说话者的担忧。'Understand your concern' 是客户服务中常见的短语，用于建立信任。在提供解决方案之前，使用它来承认感受。
"What are your primary concerns regarding coverage?"
"您对覆盖范围的主要担忧是什么？"
重点句型
语法解析
This question uses 'primary concerns' to ask about main worries and 'regarding' for 'about'. It's useful in consultations to clarify needs and guide the discussion.
中文解析
这个问题使用 'primary concerns' 来询问主要担忧，'regarding' 表示 'about'。它在咨询中很有用，可以澄清需求并引导讨论。
"That's a very valid point."
"这是一个非常有效的观点。"
重点句型
语法解析
Agrees with the speaker's opinion politely. 'Valid point' means a reasonable argument. Great for handling objections in sales or debates to keep the conversation positive.
中文解析
礼貌地同意发言者的意见。“Valid point”意为合理的论点。非常适合在销售或辩论中处理异议，以保持对话的积极性。
"How about we look at a modular plan?"
"我们考虑一个模块化计划怎么样？"
重点句型
语法解析
Suggests an idea with 'How about' for proposals. 'Look at' means 'consider'. Useful for offering alternatives in advice-giving situations like shopping or planning.
中文解析
用 'How about' 建议一个想法，用于提案。'Look at' 意思是 'consider'。在如购物或规划的建议情境中，提供备选方案很有用。
"You start with what's most crucial for your peace of mind."
"您从对您的安心最重要的事情开始。"
重点句型
语法解析
Explains a process using 'start with' for beginning steps. 'Crucial' means very important, and 'peace of mind' adds emotional appeal. Use this to recommend essential choices in insurance or decisions.
中文解析
使用 'start with' 解释开始步骤的过程。'Crucial' 意味着非常重要，'peace of mind' 增添情感吸引力。使用此来推荐保险或决策中的基本选择。
"Would you like me to walk you through a few options?"
"您想让我为您逐步讲解几个选项吗？"
重点句型
语法解析
Offers help with 'walk you through' meaning 'explain step by step'. Polite yes/no question for service. Ideal in teaching or consulting to invite further explanation.
中文解析
提供帮助，其中 'walk you through' 意为 '逐步解释'。服务性的礼貌是/否问题。在教学或咨询中理想，用于邀请进一步解释。
"I appreciate you taking the time to find something that fits my budget better."
"感谢您花时间找到更适合我预算的东西。"
重点句型
语法解析
Expresses thanks with 'appreciate' for gratitude. 'Taking the time' acknowledges effort, and 'fits my budget' relates to affordability. Use to end conversations positively after receiving help.
中文解析
使用'appreciate'表达感谢以示感激。'Taking the time'承认努力，'fits my budget'与负担能力相关。在收到帮助后用于积极结束对话。