ChinesePod
aChinesePod
@ 41065 Insurance Insanity
A 你好，有沒有適合年輕人的保險？最好是能保本分紅的。
nǐhǎo, yǒu méiyǒu shìhé niánqīngrén de bǎoxiǎn? zuìhǎo shì néng bǎoběn fēnhóng de.
Hello, do you have any insurance that would be appropriate for young people? It would be best if it let you break even, and paid dividends.
B 有啊，您坐下來慢慢看。我們最近推出了這款保險，非常適合年輕人。
yǒu a, nín zuò xiàlái mànmān kàn. wǒmen zuìjìn tuīchū le zhè kuǎn bǎoxiǎn, fēicháng shìhé niánqīngrén.
Sure we do! Have a seat and look these over. Take your time. We recently introduced this plan. It's very good for young people.
A 快讓我看看！
kuài ràng wǒ kànkan!
Quick, let me see!
B 好、好。這個險種每個月繳納的保費不多，還可以分紅。這邊有費率表。您今年多大了？
hǎo, hǎo. zhè ge xiǎnzhǒng měi ge yuè jiǎonà de bǎofèi bù duō, hái kěyǐ fēnhóng. zhèbiān yǒu fèilǜ biǎo. nín jīnnián duō dà le?
OK. With this type, your monthly premium is not bad, and you get dividends. Here is a list of fee rates. How old are you this year?
A 30歲。30週歲。
sānshí suì. sānshí zhōusuì.
Thirty.
B 30週歲的話，交20年，可以保障到55歲。每個月只要交三四百塊。您每個月少出去吃頓飯或者少買件衣服，省下來的錢就能夠為您提供一筆高達10萬元的保障。
sānshí zhōusuì dehuà, jiāo èrshí nián, kěyǐ bǎozhàng dào wǔshí wǔ suì. měi ge yuè zhǐ yào jiāo sān sì bǎi kuài. nín měi ge yuè shǎo chūqù chī dùn fàn huòzhě shǎo mǎi jiàn yīfu, shěng xiàlái de qián jiù nénggòu wèi nín tígōng yī bǐ gāodá shí wàn yuán de bǎozhàng.
If you're thirty, you pay in for 20 years, and you'll be guaranteed until the age of 55. You only pay three or four hundred RMB a month. If you go out for one less meal per month, or buy one less piece of clothing, the money you save will be enough for you to get great coverage, up to one hundred thousand yuan!
A 怎麼樣才能拿到這十萬塊呢？
zěnmeyàng cái néng nádào zhè shí wàn kuài ne?
What do I have to do to get the hundred thousand?
B 過了觀察期以後患了這些病，就能申請理賠。
guò le guānchá qī yǐhòu huàn le zhèxiē bìng, jiù néng shēnqǐng lǐpéi.
After the observation period, you'll be able to apply for a settlement if you get any of these diseases.
A 那我如果不得這些病，不就虧了？
nà wǒ rúguǒ bù dé zhèxiē bìng, bù jiù kuī le?
And if I don't get these diseases, don't I just lose money?
B 怎麼能這麼說。買保險就是買一個保障，“不怕一萬，只怕萬一”嘛！當然不得這些病更好。到55歲的時候，您還可以拿到滿期保險金和紅利作為養老金。
zěnme néng zhème shuō. mǎi bǎoxiǎn jiùshì mǎi yī ge bǎozhàng, `` bùpàyīwàn , zhǐpàwànyī" ma! dāngrán bù dé zhèxiē bìng gèng hǎo. dào wǔshí wǔ suì de shíhou, nín hái kěyǐ nádào mǎnqī bǎoxiǎnjīn hé hónglì zuòwéi yǎnglǎojīn.
How can you say that? Buying insurance is buying security. ``Don't be afraid of the ten thousand things you know about-- worry about the unexpected!" Of course it's even better if you don't get these diseases. When you turn fifty-five, you can get your insurance dividend and extra dividend to use in your old age.
A 肯定能保本嗎？分紅情況怎麼樣？每年能分到多少紅利？
kěndìng néng bǎoběn ma? fēnhóng qíngkuàng zěnmeyàng? měinián néng fēndào duōshao hónglì?
Will I definitely be able to break even? What is the deal with dividends? How much of a dividend do I get each year?
B 肯定能保本。分紅嘛，要看公司的經營業績。公司每年都會寄賬單給您。我們有一個大致的演算，肯定比存銀行划算。
kěndìng néng bǎoběn. fēnhóng ma, yào kàn gōngsī de jīngyíng yèjì. gōngsī měinián dōu huì jì zhàngdān gěi nín. wǒmen yǒu yī ge dàzhì de yǎnsuàn, kěndìng bǐ cún yínháng huásuàn.
You'll definitely be able to break even. In terms of dividends, it depends on the company's performance. Every year the company will send you a check. We have a basic idea of the figures. It's definitely a better deal than putting your money in a bank.
A 哦，可是這上面寫的28種病沒有適合我的。
ò, kěshì zhè shàngmian xiě de èrshí bā zhǒng bìng méiyǒu shìhé wǒ de.
Ah, but among these 28 diseases, there's nothing appropriate for me.
B 啊？您什麼意思？
ǎ? nín shénme yìsi?
Huh? What do you mean?
A 如果我買了以後就有什麼三長兩短，能馬上拿到錢嗎？
rúguǒ wǒ mǎi le yǐhòu jiù yǒu shénme sānchángliǎngduǎn, néng mǎshàng ná dào qián ma?
If I have some kind of unexpected calamity after I buy this, will I be able to get the money immediately?
B 只要過了180天的觀察期後患病或身故的，都會馬上給付。但是投保時要說清楚，帶病投保不在理賠範圍內。有某些疾病的還可能會被拒保。
zhǐyào guò le yībǎi bāshí tiān de guānchá qī hòu huànbìng huò shēngù de, dōu huì mǎshàng jǐfù. dànshì tóubǎo shí yào shuō qīngchu, dàibìng tóubǎo bù zài lǐpéi fànwéi nèi. yǒu mǒuxiē jíbìng de hái kěnéng huì bèi jùbǎo.
As long as you've passed the 180 day observation period, you'll be able to get money immediately if you get sick or die. But when you're taking out a policy, you have to state your situation clearly. Pre-existing diseases are outside our range of coverage. There are some diseases for which coverage might be rejected.
A 為什麼拒絕我？公司拒絕我，老婆拒絕我，現在保險公司也要拒絕我。這是歧視！我要告你們！
wèishénme jùjué wǒ? gōngsī jùjué wǒ, lǎopó jùjué wǒ, xiànzài bǎoxiǎn gōngsī yě yào jùjué wǒ. zhè shì qíshì! wǒ yào gào nǐmen!
Why are you rejecting me? My company rejected me, my wife rejected me, and now the insurance company is going to reject me! This is discrimination! I'm going to sue you!
B 先生，你冷靜點兒。我找個同事來跟你說啊。
xiānsheng, nǐ lěngjìng diǎnr. wǒ zhǎo ge tóngshì lái gēn nǐ shuō a.
Sir, please calm down. I'll find a colleague to speak with you.
A 為什麼？為什麼？
wèishénme? wèishénme?
Why? WHYYYYYY?
Key Vocabulary
保險 bǎoxiǎn
保本 bǎoběn
分紅 fēnhóng
繳納 jiǎonà
保費 bǎofèi
費率 fèilǜ
高達 gāodá
理賠 lǐpéi
申請 shēnqǐng
不怕一萬，只怕萬一 bùpàyīwàn, zhǐpàwànyī
養老金 yǎnglǎojīn
業績 yèjì
演算 yǎnsuàn
三長兩短 sānchángliǎngduǎn
患病 huànbìng
身故 shēngù
給付 jǐfù
投保 tóubǎo
歧視 qíshì
告 gào
Supplementary Vocabulary
投保人 tóubǎorén
受益人 shòuyìrén
人身意外險 rénshēnyìwàixiǎn
醫療保險 yīliáobǎoxiǎn
故去 gùqù
給予 jǐyǔ
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