保险 در ۳۰ ثانیه
- Insurance is a financial tool used to manage risk by transferring potential losses to a company in exchange for a fee called a premium.
- In Chinese, '保险' (bǎoxiǎn) serves as both a noun for 'insurance' and an adjective meaning 'safe,' 'secure,' or 'reliable' in various contexts.
- Common types include medical, life, and car insurance, often paired with verbs like '买' (buy), '投保' (insure), and '理赔' (claim).
- It is a key part of social security in China, often referred to as '社保' (shèbǎo), covering health, retirement, and unemployment.
The term 保险 (bǎoxiǎn) is a multifaceted word in Chinese that primarily functions as a noun meaning 'insurance,' but it also carries significant weight as an adjective meaning 'safe' or 'secure.' At its core, the noun refers to a financial arrangement—a contract (policy) in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. This concept is fundamental to modern risk management, allowing people to mitigate the financial impact of unpredictable events like illness, accidents, or property damage. In a broader sense, the word reflects the human desire for certainty and protection against the unknown. When you look at the characters, '保' (bǎo) means to protect, defend, or guarantee, while '险' (xiǎn) means danger, risk, or obstruction. Together, they literally translate to 'protecting against danger.' This etymological root perfectly captures the essence of the industry. In daily life, insurance is ubiquitous, covering everything from health (医疗保险) and life (人寿保险) to vehicles (汽车保险) and travel (旅游保险). Beyond the financial sector, the word is used colloquially to describe something that is 'safe' or 'a sure bet.' For instance, if you take an extra umbrella just in case it rains, someone might say that is more '保险' (safe/secure). This dual usage makes it a versatile and essential word for intermediate learners to master.
- Primary Function
- A risk-transfer mechanism where a small certain loss (premium) prevents a large uncertain loss.
- Social Role
- Acts as a social safety net, providing stability to families and the economy during crises.
- Legal Nature
- A legally binding contract between the insurer and the insured party.
为了以防万一，我给新车买了一份全额保险。 (To be safe, I bought a full insurance policy for my new car.)
这种做法很不保险，你还是再考虑一下吧。 (This method is not very safe; you should think about it again.)
社会保险是每个劳动者的基本权利。 (Social insurance is a basic right for every worker.)
保险公司正在核实这起事故的保险理赔申请。 (The insurance company is verifying the claim for this accident.)
如果你想更保险一点，最好备份你的数据。 (If you want to be safer, you had better back up your data.)
Using 保险 correctly requires understanding its role as both a noun and an adjective. As a noun, it frequently pairs with specific verbs. To 'buy' insurance, you say '买保险' (mǎi bǎoxiǎn) or more formally '购买保险' (gòumǎi bǎoxiǎn). If you are the one applying for it, you are '投保' (tóubǎo). When an accident happens and you need the money, you '报保险' (bào bǎoxiǎn - report to insurance) or '申请理赔' (shēnqǐng lǐpéi - apply for a claim). The company then '赔偿' (péicháng - compensates) you. It is also common to see it as a prefix for different types of insurance: 医疗 (medical), 意外 (accident), 养老 (pension), and 失业 (unemployment). As an adjective, 保险 describes the reliability or safety of a situation. For example, '这样做比较保险' (Doing it this way is relatively safe). It is often used in the structure '...比较保险' or '...不保险'. In terms of grammar, when used as a noun, it can be the subject or object of a sentence. When used as an adjective, it functions as a predicate. It's important to distinguish it from '安全' (ānquán - safety). While '安全' refers to the state of being free from danger, '保险' refers to the mechanism of protection or the degree of certainty. You wouldn't say a person is '保险' unless you mean they are a 'safe bet' for a task, which is a more figurative usage.
- Common Verb Pairings
- 买 (buy), 办 (apply/handle), 赔 (compensate), 续 (renew).
- Measure Words
- 份 (fèn) - 一份保险 (an insurance policy); 种 (zhǒng) - 一种保险 (a type of insurance).
- Adjectival Use
- Used to describe plans, methods, or choices that minimize risk.
You will encounter 保险 in a variety of professional and daily life settings. In a hospital, staff might ask if you have '医保' (yībǎo), which is short for '医疗保险' (medical insurance). In a bank or financial institution, advisors might try to sell you '理财保险' (investment-linked insurance). If you are involved in a car accident, the first thing people often say is '打给保险公司' (call the insurance company). In the workplace, HR will discuss your '五险一金' (wǔxiǎn yījīn), which refers to the five mandatory social insurances and the housing fund in China. This is a crucial term for anyone working in China. You'll also hear it in travel agencies when booking trips, where '旅游意外险' (travel accident insurance) is frequently recommended. In casual conversation, friends might use it to discuss the reliability of a plan, such as choosing a '保险' route for a hike or a '保险' strategy for an exam. It also appears in news reports regarding natural disasters, economic shifts, or new government regulations. Understanding this word is key to navigating adult life in a Chinese-speaking environment, as it touches upon health, finance, and legal security.
One of the most frequent mistakes learners make is confusing 保险 (bǎoxiǎn) with 安全 (ānquán). While both relate to safety, '安全' is a general state of being safe (e.g., '这里很安全' - It's safe here), whereas '保险' refers to a specific system of protection or a 'sure' method. You cannot use '保险' to describe a neighborhood being safe from crime; you must use '安全'. Another mistake is the misuse of measure words. Learners often use '个' (gè) for insurance policies, but '份' (fèn) is the correct and more natural measure word. Additionally, the verb '赔' (péi) can be tricky. Learners might say '保险公司给我钱' (The insurance company gives me money), but the professional term is '理赔' (lǐpéi - to settle a claim) or '赔付' (péifù - to pay out). Finally, don't confuse '保险' with '保证' (bǎozhèng - to guarantee). '保证' is a verbal promise or a guarantee of quality, while '保险' is the financial product. For example, you '保证' you will be on time, but you '买保险' for your car.
Several words share semantic space with 保险. 保证 (bǎozhèng) means 'to guarantee' or 'to ensure.' It is more about a promise or a certainty of outcome. 担保 (dānbǎo) means 'to vouch for' or 'to provide a formal guarantee,' often used in legal or loan contexts. 安全 (ānquán) means 'safety' or 'security' in a physical or general sense. 保障 (bǎozhàng) is a broader term meaning 'to safeguard' or 'to provide protection,' often used in the context of 'social security' (社会保障). While '保险' is a specific financial tool, '保障' is the broader goal of that tool. 储蓄 (chǔxù) means 'savings.' While both are financial tools, savings are accessible funds, whereas insurance is a contingent payout. 预防 (yùfáng) means 'to prevent.' Insurance doesn't prevent the accident, but it '预防' the financial ruin following it. Understanding these nuances helps in choosing the right word for the right context, especially in formal writing or business discussions.
چقدر رسمی است؟
سطح دشواری
گرامر لازم
Tone sandhi of third tones
Measure words for documents (份)
Purpose clauses with 为了
Adjectival predicates
Compound nouns in Chinese
مثالها بر اساس سطح
我有保险。
I have insurance.
Subject + Verb + Object
保险好吗？
Is insurance good?
Simple question with 吗
我不买保险。
I don't buy insurance.
Negative sentence with 不
这是我的保险。
This is my insurance.
Possessive 的
保险贵吗？
Is insurance expensive?
Adjective question
他买保险了。
He bought insurance.
Completed action with 了
你要保险吗？
Do you want insurance?
Modal verb 要
保险很重要。
Insurance is very important.
Adverb 很 + Adjective
我买了一份旅游保险。
I bought a travel insurance policy.
Measure word 份
你有没有医疗保险？
Do you have medical insurance?
Affirmative-negative question
这样做不保险。
Doing it this way is not safe.
Adjectival use of 保险
保险公司在哪里？
Where is the insurance company?
Question with 在哪里
我需要办保险。
I need to get insurance.
Verb 办 (to handle/do)
这份保险很便宜。
This insurance is very cheap.
Demonstrative 这 + Measure word
我的车有保险。
My car has insurance.
Possessive noun phrase
请看你的保险单。
Please look at your insurance policy.
Polite request with 请
如果出事了，保险会赔吗？
If something happens, will the insurance pay?
Conditional 如果...会...
你应该多买几种保险。
You should buy a few more types of insurance.
Modal verb 应该 + 几 (several)
这种理财保险很受欢迎。
This investment-linked insurance is very popular.
Compound noun 理财保险
为了保险起见，带上伞吧。
To be on the safe side, take an umbrella.
Set phrase 为了...起见
他正在向保险公司申请理赔。
He is applying for a claim from the insurance company.
Continuous aspect 正在
社保包含医疗和养老保险。
Social security includes medical and pension insurance.
Verb 包含 (include)
买保险是为了减少风险。
Buying insurance is to reduce risk.
Purpose clause 是为了
你买的是哪家的保险？
Which company's insurance did you buy?
哪家 (which company)
保险合同里的条款非常复杂。
The clauses in the insurance contract are very complex.
Noun phrase with 里
意外险的保费通常比较低。
The premium for accident insurance is usually relatively low.
Subject + Adverb 通常
我们需要评估这项投资的保险系数。
We need to evaluate the safety factor of this investment.
Verb 评估 (evaluate)
他忘记给他的新房续保险了。
He forgot to renew the insurance for his new house.
Verb 续 (renew)
保险行业在过去十年发展迅速。
The insurance industry has developed rapidly in the past decade.
Time phrase + 发展迅速
受益人是合同中指定的个人。
The beneficiary is the individual designated in the contract.
Passive-like structure with 指定
这种做法虽然保险，但收益不高。
Although this method is safe, the return is not high.
Conjunction 虽然...但...
投保前请务必阅读免责声明。
Please be sure to read the disclaimer before insuring.
Adverb 务必 (must)
保险市场的监管政策正在收紧。
Regulatory policies in the insurance market are tightening.
Complex subject with 监管政策
该公司的再保险业务遍布全球。
The company's reinsurance business is spread across the globe.
Adverb 遍布 (spread all over)
这种保险产品存在道德风险。
This insurance product has moral hazard issues.
Abstract noun 道德风险
保险金的赔付需要经过严格的审核。
The payout of insurance money requires strict auditing.
Passive-like construction with 经过
他利用保险漏洞进行诈骗。
He exploited insurance loopholes to commit fraud.
Verb 利用 (exploit/use)
社会保险制度是社会稳定的基石。
The social insurance system is the cornerstone of social stability.
Metaphorical use of 基石
投保人应当如实告知相关重要事实。
The policyholder should truthfully disclose relevant material facts.
Formal modal 应当
保险精算师在制定费率时起关键作用。
Actuaries play a key role in determining rates.
Structure ...在...时起...作用
保险的本质在于风险的分散与共担。
The essence of insurance lies in the diversification and sharing of risk.
Formal structure 在于 (lies in)
在全球化背景下，保险业面临前所未有的挑战。
In the context of globalization, the insurance industry faces unprecedented challenges.
Idiom 前所未有
寿险合同的长期性决定了其资产配置的特殊性。
The long-term nature of life insurance contracts determines the specificity of their asset allocation.
Abstract nouns with 性
保险深度和保险密度是衡量一个国家保险业发展水平的重要指标。
Insurance penetration and density are important indicators for measuring a country's insurance industry development.
Technical terminology
巨灾保险制度的建立旨在应对极端天气带来的损失。
The establishment of a catastrophe insurance system aims to cope with losses caused by extreme weather.
Formal verb 旨在 (aims to)
保险法律体系的完善有助于保护消费者的合法权益。
The improvement of the insurance legal system helps protect the legitimate rights and interests of consumers.
Formal structure 有助于
通过衍生品对冲风险是现代保险公司常用的财务手段。
Hedging risk through derivatives is a common financial tool used by modern insurance companies.
Gerund-like phrase as subject
保险不仅仅是经济补偿，更是一种人文关怀的体现。
Insurance is not just economic compensation, but also an embodiment of humanistic care.
Structure 不仅仅是...更是...
ترکیبهای رایج
عبارات رایج
اغلب اشتباه گرفته میشود با
Physical safety vs. financial/procedural security.
A verbal promise vs. a financial contract.
The act of safeguarding vs. the specific product.
اصطلاحات و عبارات
بهراحتی اشتباه گرفته میشود
الگوهای جملهسازی
خانواده کلمه
مرتبط
نحوه استفاده
As a noun, it's a product. As an adj, it's a quality of a plan.
Terms like 承保, 理赔, 续保 are used in professional settings.
نکات
Tone Sandhi
Both characters in '保险' are third tone. When spoken together, the first '保' changes to a second tone (báo). This is a standard rule in Mandarin. Practice saying 'báo xiǎn' to sound natural.
Measure Word
Always use '份' (fèn) for insurance policies. Using '个' (gè) is a common beginner mistake. '份' implies a document or a portion of a system. It makes your Chinese sound much more professional.
Safe vs. Insurance
Remember that '保险' is for systems and plans, while '安全' is for environments and physical states. If you feel safe, you are '安全'. If your investment is secure, it is '保险'.
Social Security
Learn the term '五险一金'. It is the bedrock of employment in China. Knowing this will help you understand job offers and contract discussions. It shows you understand the Chinese work culture.
Precautions
Use the phrase '为了保险起见' (wèile bǎoxiǎn qǐjiàn) often. It's a great way to explain why you are taking extra steps. It sounds very native and sophisticated in daily conversation.
Abbreviations
Be ready to hear '医保' (medical), '社保' (social), and '寿险' (life). Chinese speakers love to shorten long terms. Recognizing these will greatly improve your listening comprehension in real-life settings.
Formal Verbs
In essays or business emails, use '购买' (purchase) or '投保' (insure) instead of '买'. Use '理赔' (claim) instead of '拿钱'. These small changes elevate your writing level significantly.
The 'Risk' Root
The character '险' (xiǎn) means risk or danger. Whenever you see it, think of something related to hazard. This helps you connect '保险' to words like '危险' (danger) and '冒险' (adventure).
Insurance Company
The full term is '保险公司'. In China, big names include '中国平安' (Ping An) and '中国人寿' (China Life). Knowing these names can help you recognize logos and advertisements.
Double Insurance
The phrase '双重保险' (shuāngchóng bǎoxiǎn) is used metaphorically. It means having two layers of protection. For example, using a password and a fingerprint is '双重保险'.
حفظ کنید
ریشه کلمه
The term was coined in the late 19th century as a translation of Western insurance concepts, combining traditional characters for 'protection' and 'risk'.
بافت فرهنگی
Trust in insurance agents has historically been low, leading to strict regulations.
Insurance is often marketed as a way to fulfill filial duties by ensuring parents' healthcare.
China's social security system is highly localized and varies by city.
تمرین در زندگی واقعی
موقعیتهای واقعی
شروعکنندههای مکالمه
"你买保险了吗？"
"中国的社保包括什么？"
"你觉得买旅游保险有必要吗？"
"哪种保险最重要？"
"保险公司通常怎么赔偿？"
موضوعات نگارش
写一写你对保险的看法。
描述一次你使用保险的经历。
如果你是一家保险公司的经理，你会卖什么保险？
讨论一下为什么年轻人应该买保险。
比较一下你国家的保险制度和中国的保险制度。
سوالات متداول
10 سوالIt refers to the five mandatory social insurances (Endowment, Medical, Unemployment, Employment Injury, and Maternity) and the Housing Provident Fund in China. Every formal employee is entitled to these. They are deducted from the salary and contributed to by the employer. It is a vital part of the Chinese social welfare system. Understanding this is crucial for anyone working in China.
No, you should use '安全' for a safe place. '保险' as an adjective usually describes a method, a plan, or a person's reliability. For example, '把钱放在这里很保险' (It's safe/secure to put money here) is okay because it refers to the security of the action. But '这个公园很保险' sounds strange; use '安全' instead.
They are essentially the same thing. '医保' is the common abbreviation for '医疗保险' (Medical Insurance). In daily conversation and at hospitals, people almost always use '医保'. '医疗保险' is the full, formal name used in documents and official contexts.
You can say '报保险' (bào bǎoxiǎn) in casual situations, like after a car accident. In more formal or professional contexts, use '申请理赔' (shēnqǐng lǐpéi), which means 'apply for a claim settlement'. The verb '赔' (péi) means to compensate.
It depends on the type. Social insurance (社保) is based on your salary. Private commercial insurance (商业保险) varies greatly in price. Generally, basic accident insurance is cheap, while comprehensive life or critical illness insurance can be expensive. Many people find basic medical insurance to be quite affordable.
A '保险柜' (bǎoxiǎnguì) is a safe or a vault used to store valuables like money or jewelry. The word uses '保险' because the box provides 'security' or 'protection' for the items inside. It is a very common compound noun.
It is a common set phrase meaning 'to be on the safe side' or 'as a precaution'. You use it when you are doing something extra to ensure nothing goes wrong. For example, '保险起见，我带了两把钥匙' (To be on the safe side, I brought two keys).
The most common measure word is '份' (fèn). You say '一份保险' (one insurance policy). You can also use '种' (zhǒng) to talk about a 'type' of insurance, like '三种保险' (three types of insurance).
The '受益人' (shòuyìrén) is the 'beneficiary'—the person who receives the money from the insurance company if the insured event occurs. This is a common term in life insurance contracts. The person who pays for the insurance is the '投保人'.
Yes, it can be. In a game, if a team scores an extra goal to make their lead very secure, it might be called a '保险球' (insurance goal). This uses the adjectival sense of 'providing extra security'.
خودت رو بسنج 180 سوال
/ 180 درست
نمره کامل!
Summary
Mastering '保险' involves understanding its dual role as a financial product and a descriptor for safety. It is essential for navigating health, travel, and professional life in Chinese-speaking societies, requiring knowledge of specific verbs and measure words.
- Insurance is a financial tool used to manage risk by transferring potential losses to a company in exchange for a fee called a premium.
- In Chinese, '保险' (bǎoxiǎn) serves as both a noun for 'insurance' and an adjective meaning 'safe,' 'secure,' or 'reliable' in various contexts.
- Common types include medical, life, and car insurance, often paired with verbs like '买' (buy), '投保' (insure), and '理赔' (claim).
- It is a key part of social security in China, often referred to as '社保' (shèbǎo), covering health, retirement, and unemployment.
Tone Sandhi
Both characters in '保险' are third tone. When spoken together, the first '保' changes to a second tone (báo). This is a standard rule in Mandarin. Practice saying 'báo xiǎn' to sound natural.
Measure Word
Always use '份' (fèn) for insurance policies. Using '个' (gè) is a common beginner mistake. '份' implies a document or a portion of a system. It makes your Chinese sound much more professional.
Safe vs. Insurance
Remember that '保险' is for systems and plans, while '安全' is for environments and physical states. If you feel safe, you are '安全'. If your investment is secure, it is '保险'.
Social Security
Learn the term '五险一金'. It is the bedrock of employment in China. Knowing this will help you understand job offers and contract discussions. It shows you understand the Chinese work culture.
مثال
出国旅行前，最好买一份旅游保险。
محتوای مرتبط
واژههای بیشتر finance
账单
B2صورتحسابی که مبلغ بدهی برای کالاها یا خدمات را نشان میدهد.
预算
B1بودجه تخمینی از درآمد و هزینه برای یک دوره زمانی معین است.
债务
B1بدهی تعهدی مالی است که باید به دیگری پرداخت شود.
测算
B2محاسبه و تخمین بر اساس داده ها یا اندازه گیری ها. به عنوان مثال، مهندسان باید ظرفیت تحمل بار پل را به دقت محاسبه کنند.
汇率
B1The value of one currency for the purpose of conversion to another.
费用
B1هزینهها یا مخارجی که باید برای یک خدمت یا فعالیت پرداخت شود.
贷款
B1وام مقدار پولی است که از بانک قرض گرفته میشود و باید با سود بازپرداخت شود.
损失
B1ضرر اقتصادی ناشی از این تصمیم بسیار زیاد بود.
逾期
B21. از مهلت مقرر فراتر رفتن یا معوق بودن. 2. کلمه '逾期' (yúqī) به معنای گذشتن از یک مهلت زمانی است که منجر به تاخیر میشود، اغلب با عواقبی مانند جریمه همراه است.
支付
B1The act of paying money for goods, services, or debts. A high-frequency word for IELTS General related to shopping and services.
