健康保险 em 30 segundos
- Health insurance (健康保险) is a crucial financial product covering medical expenses.
- It protects individuals from high costs of illness or injury.
- Often offered by employers or purchased privately.
- Essential for navigating healthcare systems and ensuring access to care.
健康保险 (jiànkāng bǎoxiǎn) literally translates to 'health insurance'. It is a crucial financial product designed to cover medical expenses, such as doctor visits, hospital stays, prescription medications, and other healthcare services. In essence, it's a safety net that helps individuals and families manage the often unpredictable and high costs associated with maintaining good health.
People typically purchase 健康保险 to protect themselves from significant financial burdens that can arise from illness or injury. Without it, a serious medical condition could lead to crippling debt. It's commonly discussed in contexts related to employment, as many employers offer health insurance as part of their benefits package. Individuals might also seek out private health insurance plans if they are self-employed, unemployed, or if their employer's plan is insufficient.
The concept of 健康保险 is fundamental to modern healthcare systems in many countries. Discussions about healthcare policy, national health services, and individual healthcare choices invariably involve this term. It's a topic that touches upon personal well-being, economic stability, and societal responsibility. Understanding 健康保险 is therefore essential for navigating contemporary life and ensuring access to necessary medical care.
- Key Aspects
- Coverage: What medical services and treatments are included.
- Premiums: The regular payments made to keep the insurance active.
- Deductibles: The amount you pay out-of-pocket before the insurance starts covering costs.
- Co-pays and Co-insurance: Your share of the costs for covered healthcare after you've met your deductible.
In China, many citizens rely on 健康保险 to manage healthcare costs.
Understanding your 健康保险 policy is very important.
The availability and type of 健康保险 can vary significantly. Some countries have universal healthcare systems where basic health insurance is provided to all citizens, often funded through taxes. In other systems, individuals must actively seek and purchase insurance, either from private companies or government-subsidized marketplaces. The decision of which plan to choose often depends on factors like age, health status, income, and the level of coverage desired.
Furthermore, the term 健康保险 can be used in broader discussions about public health initiatives and preventative care. Ensuring widespread access to health insurance is often seen as a key strategy for improving overall population health and reducing health disparities. It empowers individuals to seek medical attention early, preventing minor issues from becoming major health crises.
Using 健康保险 (jiànkāng bǎoxiǎn) in sentences is straightforward once you understand its meaning. It functions as a noun, referring to the concept or a specific policy of health insurance.
Basic Sentence Structures:
- Subject + Verb + 健康保险
- 健康保险 + Verb + Object
- Adjective + 健康保险
- Possessive + 健康保险
Examples with Explanations:
- Sentence 1
- 我需要购买健康保险。
Translation: I need to buy health insurance.
Explanation: This is a direct statement of need. '我' (I) is the subject, '需要' (need) is the verb, and '购买健康保险' (buy health insurance) is the object.
- Sentence 2
- 公司的健康保险很好。
Translation: The company's health insurance is very good.
Explanation: Here, '公司的' (company's) modifies '健康保险', indicating possession. '很好' (very good) is an adjective phrase describing the insurance.
- Sentence 3
- 没有健康保险，看病会很贵。
Translation: Without health insurance, seeing a doctor will be very expensive.
Explanation: This sentence uses a conditional structure. '没有健康保险' (without health insurance) sets the condition, and '看病会很贵' (seeing a doctor will be very expensive) describes the consequence.
- Sentence 4
- 他正在比较不同的健康保险计划。
Translation: He is comparing different health insurance plans.
Explanation: '计划' (plans) is a noun that specifies what kind of health insurance is being discussed. '正在比较' (is comparing) indicates an ongoing action.
每年公司都会为员工提供新的健康保险选项。
了解健康保险的条款非常重要。
- Sentence 5
- 他的健康保险覆盖范围很广。
Translation: His health insurance coverage is very broad.
Explanation: '覆盖范围' (coverage scope) is a common phrase used with health insurance. '很广' (very broad) describes the scope.
- Sentence 6
- 国家推行了新的健康保险制度。
Translation: The country has implemented a new health insurance system.
Explanation: '制度' (system) is often used in the context of national or organizational policies. '推行了' (has implemented) indicates the action taken by the country.
You'll encounter 健康保险 (jiànkāng bǎoxiǎn) in a variety of everyday and formal situations, reflecting its importance in modern life. Understanding these contexts will help you grasp its practical usage.
Workplace Discussions:
At work, especially during onboarding or annual benefits enrollment, colleagues and HR representatives will frequently mention 健康保险. Conversations might revolve around choosing the best plan, understanding deductibles, or comparing different coverage options offered by the company.
'你选了哪种健康保险？' (Which health insurance did you choose?)
Medical Settings:
When you visit a doctor's office or a hospital, receptionists and administrative staff will often ask about your 健康保险. They need this information to process your visit and determine billing. You might also hear doctors briefly explain how your insurance will cover certain treatments.
'请提供您的健康保险卡。' (Please provide your health insurance card.)
Financial and Insurance Conversations:
Discussions about personal finance, budgeting, or purchasing insurance products will invariably involve 健康保险. Insurance agents will explain policy details, premiums, and coverage, while individuals might discuss their options for private 健康保险.
'我正在考虑购买一份更全面的健康保险。' (I am considering buying a more comprehensive health insurance.)
News and Government Discussions:
News reports, political debates, and government announcements about healthcare policies, reforms, or public health initiatives often use the term 健康保险. It's a key component of any discussion related to national healthcare systems and access to medical care for citizens.
政府正在讨论如何改进全民健康保险制度。 (The government is discussing how to improve the universal health insurance system.)
Family and Personal Conversations:
Among family and friends, discussions about health and finances might naturally lead to conversations about 健康保险, especially if someone has recently had a medical expense or is planning for future healthcare needs.
'我妈说她的健康保险报销了不少医药费。' (My mom said her health insurance reimbursed a lot of medical expenses.)
While 健康保险 (jiànkāng bǎoxiǎn) is a commonly used term, learners might make a few mistakes, especially regarding its specificity and how it relates to other healthcare terms.
Mistake 1: Confusing 健康保险 with General 'Medical Care'
Mistake: Using 健康保险 when you simply mean 'medical treatment' or 'healthcare services'.
Correct Usage: 健康保险 specifically refers to the insurance policy or system that covers medical costs. If you want to talk about receiving medical treatment, you would use terms like '看病' (to see a doctor), '治疗' (treatment), or '医疗服务' (medical services).
- Example of Mistake
- Incorrect: 我需要健康保险来治我的感冒。(I need health insurance to cure my cold.)
- Correct: 我需要去看医生来治我的感冒。(I need to see a doctor to cure my cold.) OR 我的健康保险可以报销一部分感冒的治疗费用。(My health insurance can reimburse part of the cost of treating my cold.)
Mistake 2: Overgeneralizing 'Insurance'
Mistake: Using 健康保险 when referring to other types of insurance, like car insurance or travel insurance.
Correct Usage: Chinese has specific terms for different types of insurance. For example, '汽车保险' (qìchē bǎoxiǎn) is car insurance, and '旅游保险' (lǚyóu bǎoxiǎn) is travel insurance. 健康保险 is exclusively for health-related costs.
- Example of Mistake
- Incorrect: 我买了一份健康保险，我的车坏了。(I bought health insurance, my car broke down.)
- Correct: 我买了一份汽车保险，我的车坏了。(I bought car insurance, my car broke down.)
Mistake 3: Pronoun Confusion with 'Plan'
Mistake: Sometimes learners might use 健康保险 interchangeably with 'health insurance plan'. While closely related, a 'plan' is a specific offering under the umbrella of health insurance.
Correct Usage: To refer to a specific plan, you would often add '计划' (jìhuà) or '方案' (fāng'àn). For example, '健康保险计划' (jiànkāng bǎoxiǎn jìhuà) means 'health insurance plan'.
- Example of Mistake
- Slightly awkward: 我需要一个健康保险。(I need a health insurance.)
- More precise: 我需要一份健康保险。(I need a health insurance policy/plan.) OR 我需要一个健康保险计划。(I need a health insurance plan.)
Mistake 4: Grammatical Agreement in Complex Sentences
Mistake: Incorrectly placing 健康保险 or its modifiers in longer, more complex sentences, leading to grammatical awkwardness.
Correct Usage: Ensure that the noun phrase '健康保险' and its associated descriptions or actions are logically connected. For instance, when discussing the benefits or drawbacks, make sure the subject performing the action or experiencing the state is clear.
- Example of Mistake
- Awkward: 它的健康保险很好，所以费用不高。(Its health insurance is good, so the cost is not high.) - This implies the insurance itself has a cost, which is true, but the phrasing might be improved.
- Better: 这份健康保险很好，所以保费不高。(This health insurance is good, so the premium is not high.) OR 这份健康保险的保障范围很广，所以费用相对较低。(This health insurance has broad coverage, so the cost is relatively low.)
While 健康保险 (jiànkāng bǎoxiǎn) is the standard term for 'health insurance', understanding related terms and alternatives can enrich your vocabulary and provide more nuanced expressions.
1. 医疗保险 (yīliáo bǎoxiǎn)
- Comparison
- 健康保险 (Health Insurance) vs. 医疗保险 (Medical Insurance).
- These two terms are often used interchangeably in everyday conversation and are virtually synonymous. Both refer to insurance that covers medical expenses.
- Usage: Both are perfectly acceptable. You might hear 健康保险 slightly more often when discussing general well-being and preventative care, while 医疗保险 might be used more when referring to specific medical treatments or hospitalizations.
- Example:
- 我需要办理健康保险。 (I need to get health insurance.)
- 这家医院接受医疗保险。 (This hospital accepts medical insurance.)
2. 保险 (bǎoxiǎn)
- Comparison
- 健康保险 (Health Insurance) vs. 保险 (Insurance).
- 保险 is the general term for 'insurance'. 健康保险 is a specific type of insurance.
- Usage: You use 保险 when talking about insurance in general, or when the context makes it clear what type of insurance is being discussed. You use 健康保险 when you specifically mean health insurance.
- Example:
- 我买了很多种保险，包括健康保险、汽车保险和人寿保险。 (I bought many kinds of insurance, including health insurance, car insurance, and life insurance.)
- 这家公司提供各种保险服务。 (This company provides various insurance services.)
3. 医保 (yībǎo)
- Comparison
- 健康保险 (Health Insurance) vs. 医保 (Medical Insurance - often referring to government-provided or social medical insurance).
- 医保 is a common abbreviation, often referring specifically to the social medical insurance system provided by the government or employers in China (like the Urban Employee Basic Medical Insurance or Urban Resident Basic Medical Insurance). It's a more colloquial and specific term.
- Usage: You'll hear 医保 frequently when people discuss their basic social security coverage. It implies a more fundamental level of insurance compared to private plans.
- Example:
- 我的医保卡可以在很多医院使用。 (My social medical insurance card can be used in many hospitals.)
- 我正在考虑额外购买一份商业健康保险，因为医保的覆盖有限。 (I am considering buying additional commercial health insurance because the social medical insurance coverage is limited.)
4. 商业健康保险 (shāngyè jiànkāng bǎoxiǎn)
- Comparison
- 健康保险 (Health Insurance) vs. 商业健康保险 (Commercial Health Insurance).
- This term specifically refers to health insurance policies purchased from private insurance companies, as opposed to government-provided social insurance.
- Usage: Used when distinguishing private insurance from public or social insurance.
- Example:
- 除了医保，我还买了商业健康保险。 (Besides social medical insurance, I also bought commercial health insurance.)
- 这家公司提供商业健康保险和团体健康保险。 (This company offers commercial health insurance and group health insurance.)
How Formal Is It?
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Curiosidade
The term 'insurance' itself comes from the Latin word 'securus', meaning 'safe' or 'secure'. This reflects the fundamental purpose of insurance: to provide security against potential risks.
Guia de pronúncia
- Incorrect tones: Mispronouncing the tones (e.g., using a first tone instead of a third tone) can change the meaning of the syllables or the entire word.
- Pronouncing 'zh' or 'ch' sounds incorrectly: Ensure these are pronounced with the tongue tip near the back of the alveolar ridge.
- Vowel sounds: Pay attention to the distinct vowel sounds, especially the 'ian' and 'an' sounds.
Nível de dificuldade
The term itself is straightforward, but understanding the nuances of policies, deductibles, and different types of insurance requires more context and vocabulary. Reading detailed policy documents or news articles about healthcare reform would be challenging.
Using the term correctly in simple sentences is easy (A1-A2). However, constructing complex sentences about insurance policies, financial implications, or policy debates requires a good grasp of related vocabulary and grammatical structures (B2-C1).
Pronouncing and using the term in basic conversations is manageable at A2 level. Engaging in detailed discussions about insurance plans, costs, or healthcare systems would require higher proficiency.
Recognizing the term in everyday contexts like workplace announcements or doctor's office interactions is feasible at A2. Understanding rapid speech or complex discussions about insurance policies might be difficult.
O que aprender depois
Pré-requisitos
Aprenda a seguir
Avançado
Gramática essencial
Using '有' and '没有' for possession.
我有健康保险。(I have health insurance.) 我没有健康保险。(I don't have health insurance.)
Using '需要' (need) + verb/noun.
我需要购买健康保险。(I need to buy health insurance.)
Using '可以' (can) + verb for possibility or permission.
我的健康保险可以报销一部分费用。(My health insurance can reimburse part of the costs.)
Conditional sentences with '如果... (jiǎrú...)' or implied conditions.
如果生了大病，健康保险能减轻经济负担。(If a serious illness occurs, health insurance can alleviate the financial burden.)
Cause and effect with '因为...所以...' (yīnwèi...suǒyǐ... - because...therefore...)
因为我没有健康保险，所以看病很贵。(Because I don't have health insurance, seeing a doctor is expensive.)
Exemplos por nível
我没有健康保险。
I don't have health insurance.
Basic negation with '没有'.
健康保险很重要。
Health insurance is important.
Simple adjective-noun structure.
我需要健康保险。
I need health insurance.
'需要' + noun.
这是健康保险。
This is health insurance.
'这是' + noun.
你有健康保险吗？
Do you have health insurance?
Question formation with '吗'.
我的健康保险很好。
My health insurance is very good.
Possessive pronoun + noun + adjective.
买健康保险。
Buy health insurance.
Verb + noun (imperative or suggestion).
我的父母有健康保险。
My parents have health insurance.
Possessive pronoun + noun + verb + noun.
这家公司提供健康保险。
This company provides health insurance.
Subject + Verb + Object structure. '提供' (provide).
办理健康保险需要什么？
What is needed to apply for health insurance?
Question structure using '需要什么' (what is needed). '办理' (to apply for/handle).
我的健康保险可以报销一部分费用。
My health insurance can reimburse part of the expenses.
'可以' + verb + object. '报销' (reimburse).
了解健康保险的条款很重要。
Understanding the terms of health insurance is important.
Gerund phrase as subject. '了解' (understand), '条款' (terms).
每年都要交健康保险费。
Health insurance premiums must be paid every year.
Time phrase + subject + verb + object. '交' (pay), '保险费' (premium).
没有健康保险，看病会很贵。
Without health insurance, seeing a doctor will be very expensive.
Conditional structure: '没有' + noun, + consequence. '看病' (see a doctor).
他正在比较不同的健康保险计划。
He is comparing different health insurance plans.
Subject + '正在' (indicating ongoing action) + verb + object. '计划' (plan).
我们公司提供团体健康保险。
Our company provides group health insurance.
Subject + verb + adjective + noun.
您需要仔细阅读健康保险合同的每一个条款。
You need to carefully read every clause of the health insurance contract.
Modal verb '需要' + adverb '仔细' + verb '阅读' + object. '合同' (contract), '条款' (clause).
如果生了大病，健康保险能减轻经济负担。
If a serious illness occurs, health insurance can alleviate the financial burden.
Conditional clause '如果...' + main clause. '减轻' (alleviate), '经济负担' (financial burden).
选择一份合适的健康保险需要考虑很多因素。
Choosing a suitable health insurance requires considering many factors.
Gerund phrase as subject. '合适的' (suitable), '考虑' (consider), '因素' (factors).
他因为没有健康保险，所以手术费用很高。
Because he didn't have health insurance, the surgery costs were very high.
Cause and effect structure using '因为...所以...'. '手术费用' (surgery costs).
政府鼓励民众购买健康保险以应对未来的医疗需求。
The government encourages citizens to purchase health insurance to cope with future medical needs.
Subject + verb + object + purpose clause. '鼓励' (encourage), '民众' (citizens), '应对' (cope with), '医疗需求' (medical needs).
这份健康保险计划的免赔额是多少？
What is the deductible for this health insurance plan?
Question about a specific detail. '免赔额' (deductible).
随着年龄增长，健康保险的保费通常会随之增加。
As age increases, health insurance premiums usually increase accordingly.
Time/condition clause + main clause. '保费' (premium), '随之增加' (increase accordingly).
很多人都依赖公司的健康保险福利。
Many people rely on their company's health insurance benefits.
Subject + verb + object. '依赖' (rely on), '福利' (benefits).
在考虑购买健康保险时，务必权衡不同公司的产品和服务。
When considering purchasing health insurance, be sure to weigh the products and services of different companies.
Adverbial clause of time/condition. '务必' (must/be sure to), '权衡' (weigh/balance).
社会医疗保险体系旨在为全体公民提供基本的健康保险保障。
The social medical insurance system aims to provide basic health insurance coverage for all citizens.
Subject + verb + object + purpose. '旨在' (aims to), '全体公民' (all citizens), '保障' (coverage/protection).
一些人选择不购买健康保险，认为其费用过高且保障范围有限。
Some people choose not to buy health insurance, believing its cost is too high and its coverage is limited.
Complex sentence with a subordinate clause explaining the reason. '认为' (believe/think), '保障范围' (coverage scope).
在许多发达国家，健康保险已成为个人财务规划中不可或缺的一部分。
In many developed countries, health insurance has become an indispensable part of personal financial planning.
Prepositional phrase + subject + verb + object. '不可或缺' (indispensable).
尽管健康保险可以分担医疗费用，但仍需为各种潜在的自付额和共付额做好预算。
Although health insurance can share medical costs, one still needs to budget for various potential deductibles and co-payments.
Concessive clause '尽管...' + main clause. '分担' (share), '潜在的' (potential), '自付额' (deductible), '共付额' (co-payment).
长期以来，关于如何实现全民覆盖的健康保险一直是社会各界讨论的焦点。
For a long time, how to achieve universal health insurance coverage has been a focal point of discussion among all sectors of society.
Topic-comment structure. '长期以来' (for a long time), '实现' (achieve), '全民覆盖' (universal coverage), '焦点' (focal point).
雇主提供的健康保险计划通常比个人购买的计划更具成本效益。
Health insurance plans provided by employers are usually more cost-effective than plans purchased individually.
Comparative structure. '雇主提供' (employer-provided), '成本效益' (cost-effective).
在信息爆炸的时代，消费者需要具备辨别不同健康保险产品优劣的能力。
In the era of information explosion, consumers need to have the ability to distinguish the pros and cons of different health insurance products.
Subject + verb + object. '信息爆炸' (information explosion), '辨别' (distinguish), '优劣' (pros and cons).
尽管健康保险的普及率不断提高，但仍有相当一部分人口因经济原因而无法获得充分的医疗保障。
Although the penetration rate of health insurance continues to increase, a considerable portion of the population still cannot obtain adequate medical coverage due to economic reasons.
Complex sentence with concessive clause and detailed description. '普及率' (penetration rate), '相当一部分' (a considerable portion), '充分的医疗保障' (adequate medical coverage).
在设计公共卫生政策时，必须审慎评估引入强制性健康保险制度可能带来的社会经济影响。
When designing public health policies, it is imperative to prudently assess the socioeconomic impacts that may arise from introducing a mandatory health insurance system.
Complex sentence with infinitive phrase as purpose. '审慎评估' (prudently assess), '强制性' (mandatory), '社会经济影响' (socioeconomic impacts).
个人化的健康保险产品正逐渐兴起，允许消费者根据自身独特的健康状况和风险偏好来定制保险方案。
Personalized health insurance products are gradually emerging, allowing consumers to customize insurance plans according to their unique health conditions and risk preferences.
Complex sentence with participial phrase. '个人化的' (personalized), '兴起' (emerge/rise), '定制' (customize), '风险偏好' (risk preferences).
医疗技术日新月异，健康保险的承保范围和理赔标准也需要不断地与时俱进，以适应不断变化的医疗服务格局。
Medical technology is advancing rapidly, and the coverage scope and claims standards of health insurance also need to keep pace with the times to adapt to the ever-changing landscape of medical services.
Compound sentence with parallel structures. '日新月异' (rapidly advancing), '承保范围' (coverage scope), '理赔标准' (claims standards), '与时俱进' (keep pace with the times), '格局' (landscape/pattern).
对于那些长期患有慢性疾病的个体而言，一份全面且价格合理的健康保险是维持其生活质量的关键。
For individuals suffering from chronic diseases long-term, a comprehensive and reasonably priced health insurance is key to maintaining their quality of life.
Complex sentence with relative clause. '慢性疾病' (chronic diseases), '个体' (individuals), '维持' (maintain), '生活质量' (quality of life).
保险公司的精算师们正致力于开发更精确的风险评估模型，以期更合理地厘定健康保险的费率。
Actuaries at insurance companies are working to develop more precise risk assessment models, in order to more reasonably determine the rates for health insurance.
Complex sentence with purpose clause. '精算师' (actuaries), '致力于' (dedicated to), '厘定' (determine/fix), '费率' (rates).
在讨论医疗改革时，健康保险的公平性问题始终是一个绕不开的争议点，涉及资源分配和社会公平的深层矛盾。
When discussing healthcare reform, the issue of fairness in health insurance has always been an unavoidable point of contention, involving deep-seated conflicts in resource allocation and social equity.
Complex sentence with appositive phrase. '公平性' (fairness), '绕不开的争议点' (unavoidable point of contention), '资源分配' (resource allocation), '社会公平' (social equity).
随着大数据和人工智能技术的介入，健康保险的承保、定价乃至风险管理模式都可能迎来颠覆性的变革。
With the intervention of big data and artificial intelligence technologies, the underwriting, pricing, and even risk management models of health insurance may undergo disruptive changes.
Complex sentence with a list of potential changes. '介入' (intervention), '承保' (underwriting), '定价' (pricing), '风险管理' (risk management), '颠覆性的变革' (disruptive changes).
健康保险的宏观经济效应，体现在其对医疗服务消费、居民储蓄行为以及劳动力市场弹性的多重影响。
The macroeconomic effects of health insurance are reflected in its multiple impacts on medical service consumption, residents' saving behavior, and labor market elasticity.
Complex sentence with a participial phrase explaining the effects. '宏观经济效应' (macroeconomic effects), '消费' (consumption), '储蓄行为' (saving behavior), '劳动力市场弹性' (labor market elasticity).
鉴于医疗成本的持续攀升和人口老龄化趋势的加剧，各国政府都在积极探索可持续的健康保险筹资机制与管理模式。
Given the continuous rise in healthcare costs and the exacerbation of the aging population trend, governments worldwide are actively exploring sustainable financing mechanisms and management models for health insurance.
Complex sentence with participial phrase indicating reason. '鉴于' (given/in view of), '攀升' (climb/rise), '老龄化趋势' (aging population trend), '加剧' (exacerbate), '筹资机制' (financing mechanism).
健康保险的精算定价模型不仅要考虑个体风险因素，还需纳入社会公平原则，以平衡商业利益与社会责任。
The actuarial pricing models for health insurance must not only consider individual risk factors but also incorporate principles of social equity to balance commercial interests with social responsibility.
Complex sentence with parallel structure and purpose clause. '精算定价模型' (actuarial pricing models), '纳入' (incorporate), '社会公平原则' (principles of social equity), '平衡' (balance).
在数字化浪潮的推动下，基于区块链技术的健康保险平台有望重塑信息共享、欺诈检测和理赔流程，从而提升整体效率和透明度。
Driven by the digital wave, health insurance platforms based on blockchain technology are expected to reshape information sharing, fraud detection, and claims processing, thereby enhancing overall efficiency and transparency.
Complex sentence with participial phrase indicating cause. '数字化浪潮' (digital wave), '基于' (based on), '有望' (expected to), '重塑' (reshape), '欺诈检测' (fraud detection), '透明度' (transparency).
对健康保险覆盖不足的群体进行干预，不仅是道义上的要求，更是构建和谐社会、促进经济可持续发展的战略性举措。
Intervening for groups with insufficient health insurance coverage is not only a moral imperative but also a strategic measure for building a harmonious society and promoting sustainable economic development.
Complex sentence with appositive phrase. '覆盖不足' (insufficient coverage), '干预' (intervene), '道义上的要求' (moral imperative), '和谐社会' (harmonious society), '战略性举措' (strategic measure).
分析健康保险市场结构及其监管框架，对于理解各国医疗体系的运行逻辑和政策取向至关重要。
Analyzing the market structure of health insurance and its regulatory framework is crucial for understanding the operational logic and policy orientation of healthcare systems in various countries.
Gerund phrase as subject. '市场结构' (market structure), '监管框架' (regulatory framework), '运行逻辑' (operational logic), '政策取向' (policy orientation).
从行为经济学的视角审视，个体在面对不确定性时对健康保险的需求并非完全理性，而是受到认知偏差和情感因素的显著影响。
Examining from the perspective of behavioral economics, individuals' demand for health insurance when facing uncertainty is not entirely rational, but is significantly influenced by cognitive biases and emotional factors.
Complex sentence with participial phrase indicating perspective. '行为经济学' (behavioral economics), '审视' (examine), '不确定性' (uncertainty), '认知偏差' (cognitive biases), '情感因素' (emotional factors).
一个完善的健康保险体系应当兼顾效率与公平，既能有效控制医疗成本，又能确保所有公民都能获得必要的医疗服务。
A well-developed health insurance system should balance efficiency and equity, effectively controlling medical costs while ensuring that all citizens can access necessary medical services.
Complex sentence with parallel structure and purpose. '完善的' (well-developed), '兼顾' (balance/take into account), '确保' (ensure).
Colocações comuns
Frases Comuns
买健康保险
办健康保险
我的健康保险
没有健康保险
健康保险卡
健康保险计划
健康保险费
商业健康保险
如何购买健康保险
健康保险的报销
Frequentemente confundido com
医疗 means 'medical treatment' or 'healthcare'. 健康保险 is the insurance that covers these medical treatments.
费用 means 'cost' or 'fee'. 健康保险 is a type of insurance that helps manage or cover medical costs.
保障 means 'protection' or 'guarantee'. 健康保险 provides financial protection (保障) against health risks.
Fácil de confundir
Both terms refer to insurance for medical costs.
<strong>健康保险</strong> (Health Insurance) and <strong>医疗保险</strong> (Medical Insurance) are largely interchangeable in modern Mandarin Chinese and refer to the same concept: insurance that covers medical expenses. While '健康' emphasizes overall well-being and '医疗' focuses more on treatment, in practice, they are used synonymously in most contexts. You can use either one when discussing insurance for healthcare.
我需要办理<strong>健康保险</strong>。(I need to get health insurance.) / 这家医院接受<strong>医疗保险</strong>。(This hospital accepts medical insurance.)
It's the general term for insurance.
<strong>保险</strong> (bǎoxiǎn) is the general term for 'insurance'. <strong>健康保险</strong> (jiànkāng bǎoxiǎn) is a specific type of insurance that covers health-related costs. You use <strong>保险</strong> when talking about insurance in general (e.g., car insurance, life insurance) or when the context makes it clear what type of insurance is meant. <strong>健康保险</strong> is used exclusively for health-related coverage.
我买了很多<strong>保险</strong>，包括<strong>健康保险</strong>。(I bought many types of insurance, including health insurance.)
It's a common abbreviation related to medical insurance.
<strong>医保</strong> (yībǎo) is a common abbreviation in China, often referring specifically to social or government-provided medical insurance, such as basic employee medical insurance or resident medical insurance. <strong>健康保险</strong> is a broader term that can encompass both social medical insurance and private commercial health insurance. While <strong>医保</strong> is a type of <strong>健康保险</strong>, <strong>健康保险</strong> is not always limited to just <strong>医保</strong>.
我的<strong>医保</strong>卡不能在所有医院使用。(My social medical insurance card cannot be used in all hospitals.) / 我需要一份更好的<strong>健康保险</strong>。(I need a better health insurance policy.)
Both relate to protection.
<strong>保障</strong> (bǎozhàng) means 'protection', 'guarantee', or 'security'. <strong>健康保险</strong> (jiànkāng bǎoxiǎn) is the product or system that provides this protection for health-related risks. You can say that health insurance provides health protection (提供健康保障). <strong>保障</strong> describes the function or outcome, while <strong>健康保险</strong> is the means to achieve it.
<strong>健康保险</strong>为我们提供了重要的经济<strong>保障</strong>。(Health insurance provides us with important financial protection.)
Both relate to healthcare.
<strong>医疗服务</strong> (yīliáo fúwù) refers to 'medical services' – the actual treatments, consultations, surgeries, etc., that a patient receives. <strong>健康保险</strong> (jiànkāng bǎoxiǎn) is the financial product that helps pay for these medical services. You use health insurance to cover the costs of medical services.
<strong>健康保险</strong>可以帮助支付昂贵的<strong>医疗服务</strong>。(Health insurance can help pay for expensive medical services.)
Padrões de frases
Subject + 有/没有 + 健康保险
我<strong>有</strong>健康保险。
健康保险 + 很 + Adjective
健康保险<strong>很重要</strong>。
Subject + 需要 + 购买/办理 + 健康保险
我<strong>需要购买</strong>健康保险。
没有 + 健康保险, ...
<strong>没有</strong>健康保险，看病很贵。
健康保险 + 可以/能 + Verb
健康保险<strong>可以报销</strong>一部分费用。
Subject + 正在 + Verb + 健康保险 + (Noun)
他<strong>正在比较</strong>健康保险计划。
考虑/选择 + (Adjective) + 健康保险 + (Noun)
我正在<strong>考虑</strong>一份全面的<strong>健康保险</strong>。
关于/对于 + 健康保险 + 的 + (Noun Phrase)
<strong>关于</strong>健康保险的<strong>讨论</strong>仍在继续。
Família de palavras
Substantivos
Verbos
Adjetivos
Relacionado
Como usar
High
-
Using '健康保险' when referring to general medical treatment.
→
Using '看病' (kànbìng) or '医疗服务' (yīliáo fúwù) for medical treatment.
<strong>健康保险</strong> is the financial product that covers medical costs, not the treatment itself. For example, you don't say 'I need health insurance to cure my cold'; you say 'I need to see a doctor for my cold', and then maybe 'My health insurance can cover the cost'.
-
Confusing '健康保险' with other types of insurance.
→
Using specific terms like '汽车保险' (car insurance) or '旅游保险' (travel insurance).
<strong>健康保险</strong> specifically refers to insurance for health-related expenses. Using it for other types of insurance is incorrect. Always use the specific term if it's not health-related.
-
Incorrectly using tones, leading to misunderstanding.
→
Practicing and mastering the correct tones for 'jiànkāng bǎoxiǎn'.
Mandarin tones are crucial. Incorrect tones on 'jiàn' (3rd), 'kāng' (1st), 'bǎo' (3rd), 'xiǎn' (3rd) can change the meaning or make the word difficult to understand. For example, 'xiǎn' (险) means risk, which is relevant, but other pronunciations might not fit.
-
Using '健康保险' as a countable noun (e.g., 'one health insurance').
→
Treating '健康保险' as a mass noun or using '份' (fèn) as a measure word for policies.
While you can have different 'plans' (计划), the term <strong>健康保险</strong> itself is generally treated as uncountable. You would say '一份健康保险' (one health insurance policy) rather than '一个健康保险'.
-
Overly literal translation of English insurance terms.
→
Using established Chinese terms for insurance concepts like '保费' (premium) and '免赔额' (deductible).
While direct translations might seem logical, it's best to learn the standard Chinese terminology for insurance concepts. For example, instead of trying to literally translate 'out-of-pocket expense', use terms like '自付费用' (zìfù fèiyòng) or specific terms like '免赔额'.
Dicas
Distinguish from General Insurance
Remember that 健康保险 is specific to health. Use it only when talking about medical coverage, not for car insurance (汽车保险) or travel insurance (旅游保险).
Break Down the Characters
Deconstruct the characters: '健' (healthy), '康' (health), '保' (protect), '险' (risk). This helps reinforce the meaning: 'health protection insurance'.
Master the Tones
Mandarin tones are crucial. Practice the tones for 健康保险 (jiànkāng bǎoxiǎn) – third, first, second, third tones – to ensure clear pronunciation and avoid misunderstandings.
Listen in Real Life
Pay attention when you hear 健康保险 in dramas, news, or conversations. Note the surrounding words to understand its usage in different situations, like discussing premiums or coverage.
Learn Related Terms
Expand your vocabulary by learning related terms like '保费' (premium), '免赔额' (deductible), and '报销' (reimburse). This will allow you to discuss insurance in more detail.
Use in Simple Sentences
Start by using 健康保险 in basic sentences like '我需要健康保险' (I need health insurance) or '我的健康保险很好' (My health insurance is good).
Understand its Importance
Recognize that 健康保险 is a significant topic in modern life, often linked to employment, personal finance, and societal well-being, especially in countries like China.
Role-Play Scenarios
Practice role-playing scenarios, such as asking about insurance at a doctor's office or discussing insurance options with a colleague. This builds confidence in using the term.
Differentiate from 医保
Understand that while 医保 (yībǎo) is a common type of health insurance in China, 健康保险 is a broader term that includes private options as well.
Think about 'Why'
When learning 健康保险, always consider *why* people need it: to protect against high costs, ensure access to care, and maintain financial stability during health crises.
Memorize
Mnemônico
Think of a '健康' (healthy) person who needs '保险' (insurance) for their '险' (risk/danger). So, 健康保险 is insurance for when you're healthy but want to be protected from health risks.
Associação visual
Imagine a shield (representing insurance) protecting a vibrant, healthy body outline. The shield has the characters 健康保险 on it.
Word Web
Desafio
Try to explain what 健康保险 is to someone who has never heard of it, using only simple terms. Focus on the 'why' – why do people need it?
Origem da palavra
The term 健康保险 is a direct and literal translation from English 'health insurance'. The components are '健康' (jiànkāng), meaning 'health', and '保险' (bǎoxiǎn), meaning 'insurance'. This combination clearly conveys the meaning of insurance related to health.
Significado original: The concept of health insurance itself originated from the idea of pooling resources to cover unpredictable medical costs, evolving over time from mutual aid societies to formal insurance policies.
Sino-Tibetan (Chinese)Contexto cultural
Discussions about health insurance can be sensitive as they relate to personal health, financial security, and access to care. It's important to be empathetic and understanding when discussing these topics, as people's situations vary greatly.
In English-speaking countries, health insurance is a major topic, often debated in terms of public vs. private systems, affordability, and access. Terms like 'deductible', 'co-pay', and 'premium' are commonly used.
Pratique na vida real
Contextos reais
Discussing employee benefits at a new job.
- 公司的健康保险怎么样？
- 我需要提供哪些信息来办理健康保险？
- 这个健康保险计划包含哪些项目？
At a doctor's office or hospital.
- 请问你们接受哪种健康保险？
- 我的健康保险卡在这里可以用吗？
- 这次的医疗费用可以用健康保险报销吗？
Comparing insurance options for self-employment.
- 我需要自己购买健康保险。
- 哪家公司的健康保险比较好？
- 个人健康保险的保费是多少？
Talking about personal finance and savings.
- 我每个月都要交健康保险费。
- 健康保险是笔不小的开销。
- 为健康保险做好预算很重要。
News reports or discussions about healthcare policy.
- 政府正在推动全民健康保险。
- 健康保险覆盖率是衡量医疗体系的重要指标。
- 如何降低健康保险的成本是个难题。
Iniciadores de conversa
"Do you have health insurance? What is it like?"
"How important do you think health insurance is in today's world?"
"What are the main things to consider when choosing a health insurance plan?"
"Have you ever had a situation where health insurance made a big difference for you?"
"What are your thoughts on the healthcare system and the role of health insurance in your country?"
Temas para diário
Write about your personal experience or understanding of health insurance. What does it mean to you?
Imagine you are explaining the concept of health insurance to a child. How would you describe it simply?
Describe a situation where having health insurance would have been very helpful, or where it was crucial.
Reflect on the pros and cons of different types of health insurance systems (e.g., public vs. private).
If you could design the 'perfect' health insurance plan, what features would it include?
Perguntas frequentes
10 perguntasIn modern Chinese, 健康保险 (jiànkāng bǎoxiǎn) and 医疗保险 (yīliáo bǎoxiǎn) are used almost interchangeably to refer to health insurance. Both cover medical expenses. '健康' relates more to overall well-being, while '医疗' relates more directly to medical treatment. However, in everyday conversation, you can use either term to mean 'health insurance'.
医保 (yībǎo) is a common abbreviation in China, often referring specifically to social or government-provided medical insurance (like basic employee or resident medical insurance). It is a type of 健康保险, but 健康保险 is a broader term that can also include private commercial health insurance plans. So, while 医保 is a form of health insurance, not all health insurance is 医保.
To 'buy health insurance' is commonly expressed as 购买健康保险 (gòumǎi jiànkāng bǎoxiǎn) or 买健康保险 (mǎi jiànkāng bǎoxiǎn). You might also hear 办理健康保险 (bànlǐ jiànkāng bǎoxiǎn), which means to apply for or handle the process of getting health insurance.
The costs associated with health insurance include 保费 (bǎofèi - premium), which is the regular payment to keep the insurance active, and 免赔额 (miǎnpéi'é - deductible), which is the amount you pay out-of-pocket before the insurance starts covering costs. There can also be 共付额 (gòngfù'é - co-payments) or 共同保险 (gòngtóng bǎoxiǎn - co-insurance) for specific services.
To understand your health insurance policy, you should carefully read the 合同 (hétong - contract) or 条款 (tiáokuǎn - clauses). Look for information on 覆盖范围 (fùgài fànwéi - coverage scope), 报销 (bàoxiāo - reimbursement) procedures, and any exclusions. If you have questions, it's best to contact the insurance provider or your HR department.
If you don't have 健康保险, you will have to pay for all medical expenses out-of-pocket. This is known as 自费医疗 (zìfèi yīliáo - self-paid medical treatment) and can be very expensive, especially for serious illnesses or injuries.
Sure. '我正在考虑购买一份健康保险，以应对未来可能出现的医疗费用。' (Wǒ zhèngzài kǎolǜ gòumǎi yī fèn jiànkāng bǎoxiǎn, yǐ yìngduì wèilái kěnéng chūxiàn de yīliáo fèiyòng.) This means 'I am considering buying a health insurance policy to cope with potential future medical expenses.'
'Group health insurance' is 团体健康保险 (tuántǐ jiànkāng bǎoxiǎn). This is typically provided by employers to their employees as a benefit, often at a lower cost than individual policies.
'Health insurance card' is 健康保险卡 (jiànkāng bǎoxiǎn kǎ). You'll need to present this card when you visit a doctor or hospital that accepts your insurance.
The main benefit of 健康保险 is financial protection. It helps cover the high costs of medical care, preventing individuals from facing overwhelming debt due to illness or injury. It also provides peace of mind and encourages people to seek necessary medical attention promptly.
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Summary
健康保险 (jiànkāng bǎoxiǎn), or health insurance, is a vital financial tool that safeguards individuals against the substantial costs associated with medical treatments and healthcare services, ensuring access to necessary care and preventing financial hardship due to illness or injury.
- Health insurance (健康保险) is a crucial financial product covering medical expenses.
- It protects individuals from high costs of illness or injury.
- Often offered by employers or purchased privately.
- Essential for navigating healthcare systems and ensuring access to care.
Distinguish from General Insurance
Remember that 健康保险 is specific to health. Use it only when talking about medical coverage, not for car insurance (汽车保险) or travel insurance (旅游保险).
Break Down the Characters
Deconstruct the characters: '健' (healthy), '康' (health), '保' (protect), '险' (risk). This helps reinforce the meaning: 'health protection insurance'.
Master the Tones
Mandarin tones are crucial. Practice the tones for 健康保险 (jiànkāng bǎoxiǎn) – third, first, second, third tones – to ensure clear pronunciation and avoid misunderstandings.
Listen in Real Life
Pay attention when you hear 健康保险 in dramas, news, or conversations. Note the surrounding words to understand its usage in different situations, like discussing premiums or coverage.
Conteúdo relacionado
Esta palavra em outros idiomas
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一粒
A2One pill; a grain (for small, round objects like pills).
一片
A2One tablet; a slice (for flat objects like pills).
不正常
A2Anormal, que foge do padrão ou da normalidade esperada.
以上
A2Acima, mais de (um número). Indica uma quantidade ou nível igual ou superior a um ponto de referência especificado.
酸痛
A2Sinto dores musculares após o treino de ontem.
倒是
A2Pelo contrário; na verdade. Usado para enfatizar um contraste inesperado.
针灸
A2Acupuncture; traditional Chinese therapy.
扎针
A2Dar uma injeção ou fazer acupuntura.
急性
B1Agudo (doença): refere-se a uma condição que surge repentinamente e é geralmente grave, mas de curta duração. Agudo (doença): Ao falar de doenças, 'agudo' descreve algo que começa rapidamente e é intenso, mas não dura muito tempo.
急性病
B1Uma doença aguda que surge de repente e tem curta duração.
