Clarifying Coverage Details and Riders
The client expresses interest in specific policies and asks detailed questions about coverage limits, specific medical conditions covered or excluded, waiting periods, and available riders or add-ons to customize the policy further.
客户对特定保单表示兴趣，并详细询问保障限额、涵盖或排除的特定医疗状况、等待期以及可用的附加条款或额外选项，以进一步定制保单。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
coverage
This means the protection or benefits provided by an insurance policy, like what medical costs it pays for.
这意味着保险单提供的保护或福利，例如它支付哪些医疗费用。
limits
Refers to the maximum amount of money an insurance policy will pay out for certain claims, helping to control costs.
指保险单为某些索赔支付的最大金额，有助于控制成本。
pre-existing conditions
Health problems you already have before buying insurance, which may affect coverage or require waiting periods.
在购买保险前您已经存在的健康问题，这些问题可能会影响保险覆盖范围或需要等待期。
waiting period
A set time after starting an insurance policy before you can make claims for certain conditions, to prevent immediate misuse.
在开始保险政策后的一段时间，在此期间您不能针对某些情况提出索赔，以防止立即滥用。
riders
Optional add-ons to an insurance policy that provide extra coverage for specific needs, like additional benefits.
保险单的可选附加项目，提供针对特定需求的额外保障，例如额外福利。
payout
The amount of money an insurance company pays to the policyholder after a valid claim is approved.
保险公司批准有效索赔后支付给保单持有人的金额。
underwriters
Insurance company experts who review and approve applications to decide if coverage is granted.
审查并批准申请以决定是否授予保险覆盖的保险公司专家。
claim
A formal request to an insurance company for payment based on the terms of your policy.
根据您的保单条款，向保险公司提出的正式付款请求。
关键句型
需要记住和练习的重要短语
Could you clarify the exact coverage limits for major surgeries?
This is a polite question to ask for more details on insurance benefits. Use it when you need precise information. 'Clarify' means to make something clear, and 'exact' emphasizes accuracy.
这是一个礼貌的问题，用于询问保险福利的更多细节。当您需要精确信息时使用它。「Clarify」意为使某事清晰，「exact」强调准确性。
The maximum payout for major surgeries is capped at $500,000 per policy year.
This explains a limit on insurance payments. 'Capped at' means limited to a maximum amount. Useful for describing financial boundaries in contracts or policies.
这解释了保险支付的限制。'Capped at' 意味着限制在最大金额。有助于描述合同或保单中的财务界限。
For pre-existing conditions, there's typically a waiting period of 24 months from the policy's inception.
This describes a standard delay in coverage. 'Typically' means usually, and 'inception' means the start. Use this pattern to explain rules with time frames in professional discussions.
这描述了标准的覆盖延迟。“Typically”意思是通常，“inception”意思是开始。在专业讨论中使用这种模式来解释有时限的规则。
After this period, conditions like diabetes or hypertension might be covered, provided they've been declared at the time of application.
This shows conditional coverage. 'Provided that' introduces a requirement. It's useful for explaining 'if' situations in agreements, with examples like specific diseases.
这显示了条件覆盖。「Provided that」引入了一个要求。它有助于解释协议中的「if」情况，并举例如特定疾病。
For general illnesses not related to pre-existing conditions, the standard waiting period is 30 days from the policy start date.
This clarifies exceptions to rules. 'Not related to' specifies differences. Good for breaking down policy details step by step in consultations.
这澄清了规则的例外情况。'与...无关'指定了差异。在咨询中逐步分解政策细节很有用。
Are there any popular riders or add-ons that would enhance the coverage?
This asks about options to improve a policy. 'Enhance' means to improve. Use it when customizing services or products to get suggestions.
这是在询问改善保单的选项。“Enhance”意为改善。在定制服务或产品时使用，以获取建议。
A common add-on is the 'Outpatient Benefit Rider,' which covers specialist consultations and diagnostic tests.
This introduces an extra feature. The relative clause 'which covers...' explains what it does. Useful for recommending options with brief descriptions.
这引入了一个额外功能。关系从句“which covers...”解释了它的作用。用于推荐带有简短描述的选项非常有用。