In 15 Seconds
- Official term for an insurance company providing coverage.
- Used in legal, financial, and professional insurance contexts.
- Indicates the formal acceptance of a specific risk.
Meaning
This phrase is used when an insurance company agrees to take on your risk. It's the moment they say, 'Yes, we've got you covered' for your car, health, or travel plans.
Key Examples
3 of 6Reading a travel insurance policy
这家公司承保我的海外旅行意外险。
This company underwrites my overseas travel accident insurance.
Confirming car insurance
我的新车已经由平安保险承保了。
My new car is already underwritten by Ping An Insurance.
Asking about coverage limits
你们承保的范围包括地震吗？
Does your underwriting scope include earthquakes?
Cultural Background
As China's middle class grew, so did the need for formal risk management. `承保` represents the transition from relying solely on family networks to trusting institutional legal frameworks. Today, even small things like 'late delivery' on shopping apps are officially `承保`-ed.
The 'Who's Who'
The company is the `承保人` (underwriter), and you are the `投保人` (policyholder). If you mix them up in a meeting, you're basically saying you're the insurance company!
Don't confuse with 承包
One letter difference! `承包` (chéngbāo) means to contract a project (like building a bridge). `承保` is only for insurance.
In 15 Seconds
- Official term for an insurance company providing coverage.
- Used in legal, financial, and professional insurance contexts.
- Indicates the formal acceptance of a specific risk.
What It Means
承保 is a heavy-duty professional term. It means an insurance provider accepts a risk. They agree to pay out if something goes wrong. Think of it as the official 'I do' of the insurance world. When they 承保, the contract becomes active. You are no longer flying solo with your risks.
How To Use It
Use it as a verb. You usually see it in documents or hear it from agents. It often follows the name of the company. For example, 'This company 承保 my new car.' It sounds very official. You won't hear it much in casual gossip. It’s the language of grown-up responsibilities and fine print. Use it when discussing policy details or confirming coverage.
When To Use It
Use it when you are at the bank. Use it when buying travel insurance for a trip. It’s perfect for business meetings about company assets. If you are reading a contract, look for this word. It tells you exactly what is protected. It’s the 'green light' word for your safety net.
When NOT To Use It
Don't use it for personal favors. If a friend promises to pay for dinner, don't say they 承保 the meal. That sounds like they are an insurance corporation. Avoid it in emotional contexts too. You don't 承保 a friend's broken heart. It’s strictly for financial and legal protection. Using it at a party might make you sound like an auditor.
Cultural Background
In China, the insurance industry has exploded recently. People are much more risk-aware than before. 承保 has moved from dusty textbooks to everyday digital apps. Everyone wants to know who is 承保-ing their delivery or ride-share. It represents a shift toward formal legal protections in modern Chinese society. It’s a sign of a maturing financial culture.
Common Variations
承保人 is the insurer or the 'underwriter' person/entity. 承保范围 refers to the scope of what is actually covered. You might also hear 投保, which is what *you* do (to buy insurance). One is the giver, the other is the taker. Don't mix them up or you'll be the one paying the claims!
Usage Notes
Strictly formal and professional. Use it in business, legal, or financial contexts. Avoid using it for personal promises or casual favors.
The 'Who's Who'
The company is the `承保人` (underwriter), and you are the `投保人` (policyholder). If you mix them up in a meeting, you're basically saying you're the insurance company!
Don't confuse with 承包
One letter difference! `承包` (chéngbāo) means to contract a project (like building a bridge). `承保` is only for insurance.
The 'Small' Underwriting
In China, even 1-RMB shipping return insurance is officially called `承保`. It shows how deeply formal financial language has entered daily e-commerce.
Examples
6这家公司承保我的海外旅行意外险。
This company underwrites my overseas travel accident insurance.
Standard professional use for a policy.
我的新车已经由平安保险承保了。
My new car is already underwritten by Ping An Insurance.
Common way to state who your provider is.
你们承保的范围包括地震吗？
Does your underwriting scope include earthquakes?
Used to clarify the specific risks covered.
外卖延误也有保险承保，真方便。
Even delivery delays are underwritten by insurance, so convenient.
Semi-formal use in a modern digital context.
你这种驾驶技术，哪家公司敢承保啊？
With your driving skills, which company would dare underwrite you?
Using a formal word for humorous effect.
为了家人的未来，我选择了一家信誉好的公司来承保。
For my family's future, I chose a reputable company to provide coverage.
Serious context regarding life insurance.
Test Yourself
Choose the correct word to complete the sentence about an insurance company's action.
保险公司经过评估，决定___这笔巨额保单。
`承保` is the specific technical term for an insurance company accepting a policy.
Select the term that refers to the 'scope' of insurance.
请仔细阅读合同中的___范围。
`承保范围` (underwriting scope) is the fixed collocation for coverage details.
🎉 Score: /2
Visual Learning Aids
Formality Spectrum of 'To Cover/Underwrite'
Super casual, 'to take care of'.
这事我管了。
Neutral, 'to be responsible for'.
我负责你的安全。
Formal, 'to underwrite insurance'.
由本公司承保。
When to use 承保
Buying a House
Property insurance underwriting
Business Contract
Liability coverage
App Notification
Shipping delay insurance
Travel Planning
Medical emergency coverage
Practice Bank
2 exercises保险公司经过评估，决定___这笔巨额保单。
`承保` is the specific technical term for an insurance company accepting a policy.
请仔细阅读合同中的___范围。
`承保范围` (underwriting scope) is the fixed collocation for coverage details.
🎉 Score: /2
Frequently Asked Questions
11 questionsSort of, but it's specifically from the company's side. It means 'to accept the risk' or 'to underwrite'.
No, you should use 投保 (tóubǎo). You 投保 (apply for insurance) and the company 承保 (underwrites) it.
Only if you are talking about business or reading a policy. It’s too formal for 'Hey, I'll cover your coffee.'
It means 'coverage scope.' It's the list of things the insurance company will actually pay for.
Usually, only a 法人 (legal entity/company) does this. An individual person would just say 负责 (be responsible for).
Yes, it’s perfect. It sounds very professional and reliable in business correspondence.
Yes, once they 承保, the risk is officially transferred to them according to the contract date.
担保 (dānbǎo) is a general guarantee or bail. 承保 is strictly for the insurance industry.
Absolutely. For example: 这家公司不承保既往症 (This company does not underwrite pre-existing conditions).
Because even tiny 'return-shipping' policies are legal insurance contracts that need an underwriter.
It's primarily a verb, but it can act as an adjective in phrases like 承保公司 (underwriting company).
Related Phrases
投保
To buy/apply for insurance
保险费
Insurance premium
理赔
To settle a claim
保单
Insurance policy
