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B1 verb Neutral 1 min read

投保

tóu bǎo /tʰoʊ³⁵ paʊ²¹⁴/

To take out an insurance policy by paying premiums to secure financial protection against potential risks.

Practice it

投保 in 30 Seconds

  • To apply for insurance coverage and pay the required premiums.
  • A formal action to transfer risk to an insurance provider.
  • Commonly used for health, life, vehicle, and property protection.

**概述**：

“投保”是一个专业的金融与法律术语，核心在于通过支付一定的费用（保费）来转移风险。在现代社会中，这是一种常见的风险管理手段。其字面意思中，“投”意为投入或参与，“保”意为保障或保险。

**用法模式**：

“投保”通常作为动词使用。常见的搭配包括“投保+险种”（如：投保人寿险）或“为……投保”（如：为家人投保）。它既可以指代整个签约过程，也可以指代持续的保险状态。

**常见语境**：

  • 个人生活：购买医疗险、意外险或人寿保险。
  • 商业活动：企业为货物运输、员工意外或财产损失投保。
  • 法律义务：在许多国家，机动车主必须依法投保第三者责任险。

**词义辨析**：

  • 投保 vs. 承保：这是保险契约的两端。“投保”是客户的行为（买保险），而“承保”是保险公司的行为（卖保险/接受风险）。
  • 投保 vs. 保险：“保险”是一个广义的名词，指代整个行业或制度；“投保”则是具体的动作。
  • 投保 vs. 参保：“参保”通常用于社会保险（如社保、医保），带有参加社会保障体系的色彩；而“投保”更多用于商业保险。

Examples

1

我刚给新买的汽车投保了全险。

everyday

I just took out comprehensive insurance for my newly purchased car.

2

投保人应在合同约定的时间内缴纳保费。

formal

The policyholder should pay the premium within the time specified in the contract.

3

你出国旅游前投保意外险了吗？

informal

Did you take out accident insurance before going abroad?

4

投保率的上升反映了国民风险意识的普遍提高。

academic

The rise in insurance coverage rates reflects a general increase in national risk awareness.

Common Collocations

投保人 Policyholder / Applicant
投保金额 Insured amount
投保范围 Scope of coverage

Common Phrases

依法投保

Insure according to the law

重复投保

Double insurance / Multiple coverage

Often Confused With

投保 vs 承保
Chéngbǎo is the act of the insurance company accepting the risk and providing the policy.
投保 vs 参保
Cānbǎo specifically refers to participating in government-mandated social security systems.

Grammar Patterns

投保 + [Name of Insurance] 为 + [Person/Object] + 投保 向 + [Insurance Company] + 投保

How to Use It

Usage Notes

The word is neutral but leans towards formal or professional contexts. In very casual speech, people often say '买保险' (mǎi bǎoxiǎn) instead of '投保'. It is widely used in banking, law, and insurance documents.

Common Mistakes

A common mistake is using '投保' to describe the company's action. Remember: People 'tóubǎo' (buy), companies 'chéngbǎo' (underwrite). Another mistake is using it as a noun; it is primarily a verb.

Tips

💡

Differentiating Policyholder and Insurer Actions

Always remember that 'Tóubǎo' is what you do as a customer, while 'Chéngbǎo' is what the company does.
⚠️

Legal Duty of Disclosure

When you 'Tóubǎo', you are legally required to provide honest information to the insurance company.
🌍

Social vs. Commercial Insurance

In China, 'Shèbǎo' (Social Security) is often mandatory for employees, while 'Shāngbǎo' (Commercial) is an individual choice.

Word Origin

From 'Tóu' (to submit or participate in) and 'Bǎoxiǎn' (insurance/guarantee). It emerged with the development of modern commercial insurance systems in China.

Cultural Context

In China, insurance was once viewed with skepticism, but it is now a standard part of financial planning. The government heavily promotes social insurance (社保) as a basic right.

Memory Tip

Think of 'Tóu' (投) as 'throwing' or 'investing' your money, and 'Bǎo' (保) as the 'protection' you get in return.

Frequently Asked Questions

4 questions
投保人是负责支付保费并签署合同的人；被保险人是受保险合同保障，在事故发生时享有赔偿请求权的人。两者可以是同一人，也可以是不同的人。
是的，投保的核心义务就是缴纳保费。如果不按时缴纳保费，保险合同可能会失效，保障也会随之停止。
当你面临无法独自承担的潜在风险（如重大疾病、交通事故、财产损失）时，通过投保可以将这些风险转嫁给保险公司。
可以，但对于补偿性保险（如医疗报销、财产险），赔付总额通常不会超过实际损失；而对于定额给付型保险（如人寿险），则可以获得多重赔付。

Test Yourself

fill blank

为了保障家人的生活，他决定为自己___了一份高额的人寿保险。

Correct! Not quite. Correct answer: a

“投保”表示购买保险的行为，符合句意。

multiple choice

关于“投保”的搭配，以下哪项不恰当？

Correct! Not quite. Correct answer: d

通常说“保险事故”或“出险”，而不会说“投保事故”。

sentence building

必须 / 汽车 / 每一位 / 投保 / 车主 / 为 / 险 / 强制

Correct! Not quite. Correct answer: a

主语是车主，动词短语是为汽车投保，宾语是强制险。

Score: /3

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