保險是一種財務安排，用於在發生損失或損害時提供保障和賠償。
財務保障合約
EN: A contract providing financial protection against loss or harm.
翻譯: 一種提供財務保障以對抗損失或傷害的合約。
賠償金
EN: The money paid out by an insurance company for a covered claim.
翻譯: 保險公司針對承保的索賠所支付的款項。
預防措施
EN: A measure taken to guarantee against a possible risk or failure.
翻譯: 為防範可能發生的風險或失敗而採取的措施。
保險業
EN: The business of providing insurance policies.
翻譯: 提供保險單的行業。
小提醒：注意 'insurance' 和 'assurance' 的區別。在英文中，'life insurance'（人壽保險）是常見用法，但在英式英文裡，'life assurance' 也指提供終身保障的人壽保險。
點擊下方的 US / UK 按鈕可播放發音。
Real-life Examples of "Insurance" from YouTube Videos
Spain counts the cost of 'nightmare' wildfire summer | BBC News
BBC News
“The fire stopped just meters short of his 1500 beehives, But the burned fields nearby mean his bees now lack much of the flora they need to survive And because his beehives were not destroyed, he's not able to claim insurance.”
1. an arrangement by which a company provides financial protection against specified risks in return for payment
一種由公司提供，針對特定風險的財務保障安排，以換取付款
You should get travel insurance before going abroad.
你出國前應該購買旅遊保險。
The company offers health insurance to all its employees.
這家公司為所有員工提供健康保險。
Car insurance is mandatory in most countries.
在大多數國家，汽車保險是強制性的。
2. the business of providing such protection
提供此類保障的行業
He works in the insurance industry.
他在保險業工作。
She has a degree in insurance and risk management.
她擁有保險與風險管理的學位。
3. money paid for such protection; a premium
為此類保障所支付的款項；保費
The insurance on my house is due next month.
我房子的保險費下個月到期。
They couldn't afford the high insurance for their sports car.
他們負擔不起跑車的高額保費。
4. something providing protection against a possible event or loss
為防範可能發生的事件或損失而提供的保障措施
Wearing a helmet is good insurance against head injuries.
戴頭盔是防止頭部受傷的良好保障。
Saving money is an insurance against future hardship.
儲蓄是應對未來困難的一種保障。
| Pattern | Meaning | Example |
|---|---|---|
| insurance + against + noun | 針對…的保險 | We bought insurance against flood damage. (我們購買了針對水災損害的保險。) |
| take out + insurance + on + noun | 為…投保 | He took out insurance on his new car. (他為他的新車投保了。) |
| have + insurance + for + noun | 擁有…的保險 | Do you have insurance for your home? (你有為你的房子買保險嗎？) |
| insurance + to + verb | 用於…的保險 | She got insurance to cover her medical expenses. (她買了保險來支付她的醫療費用。) |
| under + insurance | 在保險的保障下 | The property is under insurance. (這項財產在保險的保障下。) |
| file/make + an insurance claim | 提出保險理賠 | They had to file an insurance claim after the accident. (事故發生後，他們必須提出保險理賠。) |
| insurance + covers + noun | 保險涵蓋… | This insurance policy covers theft and fire. (這份保單涵蓋盜竊和火災。) |
| pay + insurance premiums | 支付保險費 | We pay our insurance premiums monthly. (我們每月支付保險費。) |
EN:He took out a life assurance policy to secure his family's future.
翻譯:他購買了一份人壽保險單，以保障家人的未來。
在大多數情況下，尤其是美式英語和泛指各類保險時，使用 insurance 即可；若在英式英語中特指人壽保險，則可使用 assurance。
insurance vs assurance
insurance 通常指針對特定風險（如意外、火災、疾病）的財產或人身保險；assurance 在英式英語中常指人壽保險，或更廣泛地指一種保證、確信。
insurance vs coverage
insurance 指保險這個整體概念或契約本身；coverage 則指保險契約所提供的保障範圍、項目或額度。
insurance vs warranty
insurance 是向保險公司購買，針對未來不確定風險的財務保障；warranty 通常是製造商或賣家提供的產品品質保證，期限較短且範圍特定。
在對話中，當引述或轉述他人關於保險的言論時，常會使用引述動詞如 "say"、"mention" 等。 EN: He was like, "The insurance should cover it, no problem." 翻譯: 他當時就說：「保險應該會理賠，沒問題的。」
EN:She mentioned that her insurance had a really high deductible.
翻譯:她提到她的保險自負額非常高。
為了強調對保險的態度或重要性，會使用口語化的強調詞或短語。 EN: I absolutely have to get travel insurance before the trip. 翻譯: 我出發前絕對必須買旅遊保險。
EN:That insurance policy is, like, the most confusing thing ever.
翻譯:那份保險單根本是有史以來最讓人搞不懂的東西。
在思考或組織關於保險的句子時，會用填充詞如 "you know"、"I mean" 來緩衝。 EN: The whole insurance claim process, you know, took forever. 翻譯: 整個保險理賠流程，你知道的，花了超久的時間。
EN:I mean, having insurance is just a smart move, right?
翻譯:我的意思是，有保險就是個明智之舉，對吧？
正式寫作注意：以上口語用法（如 "like" 作引述、填充詞、過度強調的副詞）在正式報告、合約或學術寫作中應避免使用。正式文書應使用精確、客觀的語言描述保險條款與範圍。
insurance policy
noun + noun
保險單
health insurance
noun + noun
健康保險
life insurance
noun + noun
人壽保險
car insurance
noun + noun
汽車保險
insurance premium
noun + noun
保險費
insurance claim
noun + noun
保險索賠
travel insurance
noun + noun
旅遊保險
insurance coverage
noun + noun
保險保障範圍
×I need to buy an insurance.
✓I need to buy insurance.
當泛指「保險」這個概念或保障時，'insurance' 是不可數名詞，前面不加 'a/an'。
×I have a life assurance policy for my car.
✓I have a life insurance policy.
在英文中，'life insurance'（人壽保險）是固定用法。'Assurance' 在某些地區（如英國）可能用於人壽保險，但在國際通用英語及美式英語中，'insurance' 是標準用詞。對於財產、車輛等，則一定使用 'insurance'。
×Do you have insurance of your house?
✓Do you have insurance on your house?
表示為某物投保時，常用的介系詞是 'on'（如 insurance on a car/house）。表示針對某種風險的保險，則用 'against'（如 insurance against theft）。用 'for' 表示保險的用途或對象（如 insurance for your family）。
×I compared several insurances before choosing one.
✓I compared several insurance policies before choosing one.
當想表達「多份保險單」或「多種保險產品」時，'insurance' 本身不可數，不能直接加 's'。應使用 'insurance policies', 'insurance plans', 或 'types of insurance'。
×The contract provides ensurance of quality.
✓The contract provides a guarantee of quality.
'Ensurance' 不是標準英文單字。想表達「保證、擔保」時，應使用 'guarantee', 'assurance', 或 'warranty'。'Insurance' 特指透過合約支付保費以獲得財務保障的「保險」。
×I will make an insurance for my trip.
✓I will get/buy/take out insurance for my trip.
表達「購買保險」或「投保」的動詞，常用 'get', 'buy', 'purchase', 'take out', 或 'arrange'。'Make insurance' 是中式英文直譯，不符合英文慣用搭配。