Health InsuranceInsurans Kesihatan
Pratonton Audio Lengkap
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EN: The Present Perfect Tense (have + past participle) is used here to ask about an action that happened at an unspecified time in the past, focusing on the current result or status of the action.
Bahasa Melayu: Kata kerja masa kini sempurna (have + kata kerja lampau) digunakan di sini untuk bertanya tentang tindakan yang berlaku pada masa lalu pada masa yang tidak pasti, dengan tumpuan pada hasil atau keadaan semasa tindakan itu.
Have you finished the report yet?
Adakah kamu sudah menyiapkan laporan itu?
EN: The phrase 'have a chance to' is a polite way to ask if someone has had the opportunity or time to do something, often used in professional or semi-formal contexts.
Bahasa Melayu: Frasa 'have a chance to' ialah cara yang sopan untuk bertanya sama ada seseorang mempunyai peluang atau masa untuk melakukan sesuatu, sering digunakan dalam konteks profesional atau separa formal.
I didn't have a chance to call him back.
Saya belum berpeluang untuk menelefonnya semula.
EN: In the U.S., 'open enrollment' is a specific time of year when employees can change their health insurance plans. Discussing insurance documents is a common, albeit often stressful, task for families and colleagues during this period.
EN: The Past Continuous tense (was/were + verb-ing) is used here to describe an action that was in progress at a specific time in the past (during the lunch break).
Bahasa Melayu: Kata kerja lampau berterusan (was/were + kata kerja -ing) digunakan di sini untuk menerangkan tindakan yang sedang berlangsung pada titik masa tertentu pada masa lalu (semasa rehat tengah hari).
I was working on the report when you called me.
Saya sedang menulis laporan ketika anda menelefon saya.
EN: The phrasal verb 'read through' means to read something from beginning to end, often to look for specific information or to check for errors.
Bahasa Melayu: Kata kerja frasa 'read through' bermaksud membaca sesuatu dari awal hingga akhir, biasanya untuk mencari maklumat tertentu atau menyemak kesilapan.
Please read through the contract before signing it.
Sila baca kandungan kontrak dengan teliti sebelum menandatangani.
EN: In many Western corporate cultures, the 'lunch break' is often seen as personal time where employees might handle private errands, such as reviewing insurance or banking documents, especially if they want a quiet environment like a library.
EN: The Present Simple tense is used here to describe a scheduled event in the future (the end of the enrollment period). This is common for timetables, deadlines, or official schedules.
Bahasa Melayu: Kata kerja masa kini mudah digunakan di sini untuk menerangkan jadual atau tarikh akhir yang telah ditetapkan pada masa hadapan (seperti tamatnya tempoh perlindungan). Ini sering digunakan untuk jadual, tarikh akhir, atau jadual rasmi.
The train leaves at 9:00 PM tonight.
Kereta api akan bertolak pada pukul sembilan malam ini.
EN: The coordinating conjunction 'and' is used to connect two independent clauses, creating a compound sentence that shows a logical progression or addition of information.
Bahasa Melayu: Kata hubung koordinat 'and' digunakan untuk menghubungkan dua klausa bebas, membentuk ayat majmuk, untuk menunjukkan perkembangan logik atau penambahan maklumat.
The store is closing soon, and we should hurry.
Kedai hampir tutup, kita patut cepat.
EN: In the United States, 'Open Enrollment' refers to a specific time of year when people can sign up for or change their health insurance plans. Missing this deadline often means you cannot change your coverage until the following year, which explains the speaker's sense of urgency.
EN: The sentence uses a noun clause as the direct object of the verb 'noticed'. The conjunction 'that' is omitted here (I noticed [that] there are...), which is common in informal spoken English.
Bahasa Melayu: Ayat ini menggunakan klausa nama sebagai objek langsung bagi kata kerja 'noticed'. Kata hubung 'that' digugurkan di sini (I noticed [that] there are...), yang sangat biasa dalam bahasa Inggeris pertuturan.
I noticed the weather is getting colder.
Saya perasan cuaca semakin sejuk.
EN: The phrase 'there are' is an existential construction used to state the existence of plural subjects (three different plans).
Bahasa Melayu: Frasa 'there are' ialah binaan kewujudan yang digunakan untuk menyatakan kewujudan subjek majmuk (tiga pelan yang berbeza).
There are many options to choose from.
Terdapat banyak pilihan untuk dipilih.
EN: In the United States, 'open enrollment' is a specific time of year when employees can change their health insurance plans. It is a common topic of discussion in workplaces and households during the fall.
EN: Superlative Adjectives: Used to compare three or more things. For short adjectives like 'low', we add '-est' to the end and typically use the definite article 'the' before it.
Bahasa Melayu: Kata adjektif superlatif: Digunakan untuk membandingkan tiga atau lebih perkara. Untuk kata adjektif pendek seperti 'low', kita menambah '-est' pada hujungnya, dan biasanya didahului oleh kata sandang tentu 'the'.
This is the cheapest insurance plan available.
Ini adalah pelan insurans paling murah yang tersedia pada masa ini.
EN: Prepositional Phrase as Modifier: The phrase 'for Plan A' acts as an adjective modifying the noun 'premium', specifying which premium is being discussed.
Bahasa Melayu: Frasa sendi nama sebagai pengubah: Frasa 'for Plan A' bertindak sebagai kata adjektif untuk mengubah suai kata nama 'premium' (premium), dengan jelas menunjukkan premium yang mana sedang dibincangkan.
The price for this car is too high.
Harga kereta ini terlalu tinggi.
EN: In the U.S. health insurance system, 'premium' refers to the fixed amount you pay every month for coverage, regardless of whether you use medical services. Generally, plans with lower premiums have higher deductibles (the amount you pay before insurance starts to cover costs).
EN: Linking Verbs (Sense Verbs): Verbs like 'sound', 'look', or 'feel' are followed by an adjective to describe the subject. They do not take an adverb because they describe the state of the subject, not the action of the verb.
Bahasa Melayu: Kata kerja penghubung (kata kerja deria): Kata kerja seperti 'sound' (berbunyi), 'look' (kelihatan), atau 'feel' (terasa) diikuti oleh adjektif untuk menerangkan keadaan subjek. Ia tidak diikuti oleh kata keterangan kerana ia menerangkan subjek itu sendiri, bukan tindakan.
The proposal sounds reasonable to me.
Cadangan ini kedengaran munasabah bagi saya.
EN: Elliptical Questions with 'What about...': This structure is used to introduce a new topic or ask for information about something related to the previous statement. It often functions as a shortened version of 'What is the situation regarding...?'
Bahasa Melayu: Soalan elipsis dengan 'What about...': Struktur ini digunakan untuk memperkenalkan topik baharu atau bertanya tentang maklumat yang berkaitan dengan perkara yang telah dibincangkan. Ia biasanya berfungsi sebagai bentuk ringkas untuk 'What is the situation regarding...?' (Bagaimana keadaan mengenai...?).
I like the color, but what about the price?
Saya suka warna ini, tetapi bagaimana pula dengan harganya?
EN: In the US, 'coverage' is a critical term during 'open enrollment' periods. It refers to what medical services the insurance company will pay for. Americans often balance 'premiums' (monthly cost) against 'coverage' (what you get) and 'deductibles' (what you pay before insurance kicks in).
EN: The word 'less' is used here as a pronoun or adverb representing a smaller amount. In the context of insurance, it implies that the scope of coverage is more limited compared to other plans.
Bahasa Melayu: Perkataan 'less' digunakan di sini sebagai kata ganti nama atau kata keterangan yang mewakili jumlah yang lebih kecil. Dalam konteks insurans, ia membayangkan perlindungan yang lebih terhad berbanding pelan lain.
This new model consumes less energy.
Model baharu ini menggunakan tenaga yang lebih sedikit.
EN: Comparative adjectives like 'cheaper' are formed by adding '-er' to one-syllable adjectives to compare two things. Here, it compares low-cost plans to standard or expensive ones.
Bahasa Melayu: Kata adjektif perbandingan seperti 'cheaper' dibentuk dengan menambah '-er' pada kata adjektif satu suku kata, digunakan untuk membandingkan dua perkara. Di sini, ia membandingkan pelan kos rendah dengan pelan standard atau mahal.
Taking the bus is cheaper than taking a taxi.
Menunggang bas lebih murah daripada menaiki teksi.
EN: In Western insurance markets, the phrase 'you get what you pay for' is a common sentiment. Lower premiums usually correlate with higher deductibles or more exclusions in coverage.
EN: Non-restrictive Relative Clause: The word 'which' is used after a comma to refer back to the entire preceding clause ('Plan A has a much higher deductible') rather than just the noun before it. It provides additional information or a result of the previous statement.
Bahasa Melayu: Klausa relatif bukan pembatas: Perkataan 'which' digunakan selepas koma untuk merujuk kepada keseluruhan klausa sebelumnya (deduktibel Plan A jauh lebih tinggi), bukan hanya kata nama sebelumnya. Ia digunakan untuk memberikan maklumat tambahan atau menjelaskan hasil daripada situasi yang dinyatakan.
The flight was delayed for three hours, which was very frustrating.
Penerbangan itu tertunda selama tiga jam, yang membuatkan semua orang berasa sangat kecewa.
EN: Comparative Adjectives with Modifiers: To emphasize a difference, we can use modifiers like 'much', 'far', or 'a lot' before a comparative adjective (e.g., 'much higher').
Bahasa Melayu: Pengubah kata adjektif perbandingan: Untuk menekankan perbezaan, kita boleh menggunakan pengubah seperti 'much', 'far', atau 'a lot' sebelum kata adjektif perbandingan (seperti higher), yang bermaksud 'jauh lebih'.
This new laptop is much faster than my old one.
Komputer riba baharu ini jauh lebih pantas daripada yang lama saya.
EN: In the US healthcare system, a 'deductible' is the amount you pay for covered health care services before your insurance plan starts to pay. 'Out of pocket' refers to costs that are not reimbursed by insurance. High-deductible plans often have lower monthly premiums, which is a common trade-off discussed during 'open enrollment' periods.
EN: The sentence uses a relative clause introduced by 'when' to provide more information about a specific time ('last year'). In this structure, 'when' acts as a relative adverb.
Bahasa Melayu: Ayat ini menggunakan klausa relatif yang diperkenalkan oleh 'when' untuk memberikan maklumat tambahan tentang titik masa tertentu (last year). Dalam struktur ini, 'when' berfungsi sebagai kata keterangan relatif.
I'll never forget the day when we first met.
Saya tidak akan lupa hari kita pertama kali bertemu.
EN: The past simple tense ('had') is used to describe a completed action or state that occurred at a specific time in the past.
Bahasa Melayu: Kata kerja lampau mudah ('had') digunakan untuk menerangkan tindakan atau keadaan yang telah selesai pada titik masa tertentu pada masa lalu.
She had a bad cold last week.
Dia demam teruk minggu lepas.
EN: In American healthcare contexts, mentioning a specific injury often leads to discussions about insurance claims and deductibles, as medical costs are high and the process is administrative.
EN: Gerund as Subject: The word 'Filing' is a gerund (verb + -ing) acting as the subject of the sentence. It refers to the action or process of submitting documents.
Bahasa Melayu: Gerund sebagai subjek: Perkataan 'Filing' ialah gerund (kata kerja + -ing) yang bertindak sebagai subjek dalam ayat. Ia merujuk kepada tindakan atau proses menyerahkan dokumen.
Applying for a visa takes a long time.
Memohon visa mengambil masa yang lama.
EN: Adverbs of Degree: The word 'quite' is an adverb used to modify the adjective 'complicated', indicating a significant but not extreme degree.
Bahasa Melayu: Kata keterangan darjah: Perkataan 'quite' ialah kata keterangan yang digunakan untuk mengubah suai kata adjektif 'complicated', menunjukkan tahap yang agak tinggi, tetapi tidak melampau.
The exam was quite difficult for most students.
Peperiksaan ini agak sukar bagi kebanyakan pelajar.
EN: In the US healthcare system, 'filing a claim' refers to the often tedious administrative process of requesting payment from an insurance company. It is a common source of frustration due to the paperwork involved.
EN: The Past Perfect tense (had + past participle) is used to describe an action that was completed before another action or point in the past. In this sentence, 'had already paid' happened before 'the insurance covered'.
Bahasa Melayu: Kata kerja lampau sempurna (had + kata kerja lampau) digunakan untuk menerangkan tindakan yang telah selesai sebelum tindakan atau titik masa lain pada masa lalu. Dalam ayat ini, 'sudah membayar' berlaku sebelum 'pembayaran insurans'.
The train had already left when I arrived at the station.
Apabila saya tiba di stesen, kereta api telah pun bertolak.
EN: The conjunction 'before' introduces a subordinate clause that indicates the second event in a sequence. Even though both events are in the past, the 'before' clause typically uses the Simple Past tense.
Bahasa Melayu: Kata hubung 'before' memperkenalkan klausa bawahan yang menunjukkan peristiwa kedua dalam urutan. Walaupun kedua-dua peristiwa berlaku pada masa lalu, klausa yang diperkenalkan oleh 'before' biasanya menggunakan kata kerja lampau mudah.
She finished her homework before she went to bed.
Dia menyiapkan kerja rumah sebelum tidur.
EN: In the U.S. healthcare system, a 'deductible' is the amount you pay out-of-pocket for covered health care services before your insurance plan begins to pay. This sentence reflects a common frustration with high-deductible plans where patients must pay significant amounts upfront.
EN: The conjunction 'even though' is used to introduce a subordinate clause that expresses a fact that makes the main statement surprising or contrasting. It is stronger than 'although'.
Bahasa Melayu: Kata hubung 'even though' (walaupun) digunakan untuk memperkenalkan klausa konsesi, yang menyatakan fakta yang telah ditetapkan dan fakta itu bercanggah atau mengejutkan dengan situasi dalam klausa utama. Nada penggunaannya lebih kuat daripada 'although'.
He decided to buy the car even though it was very expensive.
Walaupun kereta itu mahal, dia tetap memutuskan untuk membelinya.
EN: The modal verb 'should' is used here to give a recommendation or express what is a sensible course of action. It is followed by the base form of the verb 'consider'.
Bahasa Melayu: Kata kerja bantu 'should' (sepatutnya) digunakan di sini untuk memberikan cadangan atau menyatakan tindakan yang munasabah. Ia diikuti oleh kata kerja dasar 'consider'.
We should check the weather forecast before we go hiking.
Kita patut menyemak ramalan cuaca sebelum pergi mendaki.
EN: In the U.S., 'open enrollment' is a specific time of year when employees can change their health insurance plans. Understanding terms like 'premium' (the monthly cost) and 'deductible' (the amount you pay before insurance kicks in) is crucial for financial planning.
EN: The sentence uses a non-restrictive relative clause starting with 'which' to add extra information about the entire preceding clause or specific nouns. It is separated by a comma.
Bahasa Melayu: Ayat ini menggunakan klausa relatif bukan pembatas yang bermula dengan 'which' untuk memberikan penjelasan tambahan tentang kandungan sebelumnya (Plan B menawarkan perlindungan yang lebih baik). Klausa jenis ini biasanya didahului dengan koma.
He decided to take the job, which was a surprise to everyone.
Dia memutuskan untuk menerima tawaran kerja itu, yang mengejutkan semua orang.
EN: The comparative adjective 'better' is used to compare the quality of coverage between Plan B and other plans mentioned in the context.
Bahasa Melayu: Kata adjektif perbandingan 'better' digunakan untuk membandingkan kualiti perlindungan antara Plan B dengan pelan lain yang disebut dalam konteks.
This new model offers better performance for gaming.
Model baharu ini menunjukkan prestasi yang lebih baik dalam aspek permainan.
EN: In the U.S. healthcare system, 'specialist visits' and 'prescriptions' are significant cost factors. Insurance plans often distinguish between 'Primary Care Physicians' (PCP) and 'Specialists', with the latter usually requiring higher co-pays or specific plan coverage.
EN: The phrase 'What about...?' is used to introduce a new topic or to ask for an opinion on a specific alternative within a discussion.
Bahasa Melayu: Frasa 'What about...?' digunakan untuk memperkenalkan topik baharu dalam perbincangan, atau untuk meminta pendapat tentang alternatif tertentu.
What about the weather forecast for tomorrow?
Bagaimana pula dengan ramalan cuaca esok?
EN: Superlative Adjectives: For long adjectives (three or more syllables), use 'the most' before the adjective to compare three or more things.
Bahasa Melayu: Kata adjektif superlatif: Untuk kata adjektif panjang (tiga suku kata atau lebih), gunakan 'the most' sebelum kata adjektif untuk membandingkan tiga atau lebih perkara.
This is the most expensive watch in the store.
Ini adalah jam tangan paling mahal di kedai.
EN: In the U.S., 'comprehensive coverage' in health insurance typically refers to plans that cover a wide range of medical services, including hospital stays, doctor visits, and prescriptions, often with higher premiums but lower out-of-pocket costs.
EN: The use of 'would' here functions as a conditional mood, expressing a hypothetical result based on a potential choice (choosing Plan C).
Bahasa Melayu: Penggunaan 'would' di sini berfungsi sebagai suasana bersyarat, menyatakan hasil yang akan berlaku dalam situasi hipotetikal (jika memilih Plan C).
If we moved to the city, the rent would be much higher.
Jika kami berpindah ke bandar, sewa akan jauh lebih tinggi.
EN: The structure 'double what + clause' is used to compare a current amount with a hypothetical or future amount. 'What' acts as a relative pronoun meaning 'the amount that'.
Bahasa Melayu: Struktur 'double what + klausa' digunakan untuk membandingkan jumlah semasa dengan jumlah hipotetikal atau masa hadapan. Di sini, 'what' ialah kata ganti nama relatif yang bermaksud 'jumlah yang...'.
The repair cost was double what I expected.
Kos pembaikan adalah dua kali ganda daripada apa yang saya jangkakan.
EN: In the U.S., 'open enrollment' is a specific time of year when employees can change their health insurance plans. Understanding the trade-off between monthly 'premiums' and 'deductibles' (the amount you pay before insurance kicks in) is a common financial discussion for families.
EN: The use of 'That' as a demonstrative pronoun to refer to a previously mentioned situation or amount (the high premium of Plan C).
Bahasa Melayu: Penggunaan 'That' sebagai kata ganti nama tunjuk untuk merujuk kepada situasi atau jumlah yang disebut sebelum ini (iaitu premium Plan C yang tinggi).
That is a huge responsibility for a teenager.
Itu adalah tanggungjawab yang besar untuk seorang remaja.
EN: The phrase 'each month' functions as an adverbial of frequency, modifying the entire situation to indicate how often the cost occurs.
Bahasa Melayu: Frasa 'each month' berfungsi sebagai frasa keterangan kekerapan, mengubah suai keseluruhan situasi, menunjukkan kekerapan kos itu berlaku.
We pay our utility bills each month.
Kami membayar bil utiliti setiap bulan.
EN: In American culture, discussing insurance premiums and monthly budgets is a common part of 'open enrollment' periods, where employees must carefully balance monthly costs against potential medical risks.
EN: The sentence uses a Second Conditional structure ('if' + past simple, 'would' + verb) to discuss a hypothetical or unlikely future scenario.
Bahasa Melayu: Ayat ini menggunakan struktur Kondisional Kedua ('if' + kata kerja lampau mudah, 'would' + kata kerja dasar) untuk membincangkan situasi hipotetikal atau yang tidak mungkin berlaku pada masa hadapan.
If I won the lottery, I would travel around the world.
Jika saya memenangi loteri, saya akan mengembara ke seluruh dunia.
EN: The phrase 'one of us' acts as a singular subject, followed by the past tense 'needed' to maintain the hypothetical mood.
Bahasa Melayu: Frasa 'one of us' (salah seorang daripada kita) bertindak sebagai subjek tunggal, diikuti oleh kata kerja lampau 'needed' untuk mengekalkan kesinambungan suasana hipotetikal.
One of us needs to stay behind to answer the phone.
Salah seorang daripada kami perlu tinggal untuk menjawab telefon.
EN: In the U.S., health insurance discussions often revolve around 'worst-case scenarios' like surgery because medical costs without adequate coverage can be financially devastating. This reflects the complexity and high cost of the American healthcare system.
EN: The sentence uses the 'Mixed Conditional' structure (would have + past participle) to discuss a hypothetical outcome in a past or imagined scenario based on a specific choice.
Bahasa Melayu: Ayat ini menggunakan struktur 'Kondisional Campuran' (would have + kata kerja lampau) untuk membincangkan hasil hipotetikal yang mungkin berlaku pada masa lalu atau situasi khayalan berdasarkan pilihan tertentu.
If we had taken the train, we would have arrived much sooner.
Jika kami menaiki kereta api ketika itu, kami akan tiba jauh lebih awal.
EN: Comparative Adverbs: 'Sooner than' is used to compare the speed or timing of two different actions or conditions.
Bahasa Melayu: Kata keterangan perbandingan: 'Sooner than' digunakan untuk membandingkan kelajuan atau masa berlakunya dua tindakan atau situasi yang berbeza.
This project will be finished sooner than expected.
Projek ini akan siap lebih cepat daripada yang dijangkakan.
EN: In the US healthcare system, a 'deductible' is the amount you pay out-of-pocket for covered health care services before your insurance plan begins to pay. Understanding this is crucial for financial planning during 'open enrollment'.
EN: The phrase 'strike a balance' is a common idiom meaning to find a compromise or a middle ground between two different things. It is often used with the preposition 'between'.
Bahasa Melayu: Frasa 'strike a balance' ialah simpulan bahasa yang biasa digunakan untuk bermaksud 'mencapai keseimbangan' atau mencari titik pertengahan antara dua perkara. Ia biasanya digunakan dengan kata sendi 'between'.
It's difficult to strike a balance between work and family life.
Mencapai keseimbangan antara kerja dan kehidupan keluarga adalah sukar.
EN: The sentence uses a zero-relative clause (omitted 'that') after 'the coverage'. The clause 'we actually need' modifies 'the coverage', acting as an adjective to specify which coverage is being discussed.
Bahasa Melayu: Ayat ini menggunakan klausa relatif tanpa kata ganti relatif ('that'/'which' digugurkan) selepas 'the coverage'. 'we actually need' menerangkan 'the coverage', berfungsi sebagai adjektif untuk menjelaskan perlindungan yang mana yang dibincangkan.
This is the car we want to buy.
Inilah kereta yang kami mahu beli.
EN: In the U.S., 'open enrollment' is a specific time of year when employees can choose or change their health insurance plans. Understanding terms like 'premium' (monthly cost) and 'coverage' (what the insurance pays for) is essential for financial planning.
EN: The phrasal verb 'go with' is commonly used in decision-making contexts to mean 'to choose' or 'to select' a particular option among several alternatives.
Bahasa Melayu: Kata kerja frasa 'go with' sering digunakan dalam konteks membuat keputusan untuk bermaksud 'memilih' atau 'memutuskan untuk menggunakan' salah satu daripada beberapa pilihan.
After considering all the colors, I think we should go with the blue one.
Setelah mempertimbangkan semua warna, saya rasa kita patut memilih yang biru.
EN: The use of 'then' at the end of a sentence often functions as a discourse marker to indicate a logical conclusion or a decision based on the preceding discussion.
Bahasa Melayu: Penggunaan 'then' di hujung ayat sering berfungsi sebagai penanda wacana, untuk menunjukkan kesimpulan atau keputusan logik berdasarkan perbincangan sebelumnya, bersamaan dengan 'maka' dalam bahasa Melayu.
If you are busy today, let's meet tomorrow then.
Jika anda sibuk hari ini, maka kita jumpa esok.
EN: In Western business and personal negotiations, 'Plan B' is a common idiom not just for a specific option in a list, but also often refers to a backup plan if the primary plan (Plan A) fails.
EN: The phrasal verb 'fill out' is used to describe the action of completing a form or document by providing information in the required spaces.
Bahasa Melayu: Kata kerja frasa 'fill out' digunakan untuk menerangkan tindakan melengkapkan borang atau dokumen dengan memberikan maklumat dalam ruang yang diperlukan.
Please fill out the application form and sign at the bottom.
Sila isi borang permohonan dan tandatangani di bahagian bawah.
EN: The future tense 'I'll' (I will) is used here to express a spontaneous decision or a promise made at the moment of speaking.
Bahasa Melayu: Kata kerja masa hadapan 'I'll' (I will) digunakan di sini untuk menyatakan keputusan atau janji yang dibuat pada masa pertuturan.
I'll call you as soon as I arrive at the office.
Saya akan menelefon anda sebaik sahaja saya sampai di pejabat.
EN: In the United States, 'Open Enrollment' is a specific period each year when employees can sign up for or change their health insurance plans. Missing this deadline usually means waiting another year to make changes.
EN: The structure 'keep + object + adjective' is used to describe maintaining something in a specific state. Here, 'organized' is a past participle acting as an adjective describing the 'receipts'.
Bahasa Melayu: Struktur 'keep + objek + kata adjektif' digunakan untuk menerangkan mengekalkan sesuatu dalam keadaan tertentu. Dalam ayat ini, 'organized' (teratur) ialah kata kerja lampau yang digunakan sebagai kata adjektif untuk menerangkan 'receipts' (resit).
Please keep the door locked at all times.
Sila pastikan pintu sentiasa berkunci.
EN: The conjunction 'so' (often 'so that') is used to introduce a clause of purpose or result, explaining why the previous action is taken.
Bahasa Melayu: Kata hubung 'so' (selalunya singkatan untuk so that) digunakan untuk memperkenalkan klausa tujuan atau hasil, menjelaskan mengapa tindakan sebelumnya diambil.
I left early so I wouldn't miss the train.
Saya bertolak awal supaya tidak terlepas kereta api.
EN: In the U.S. and many other countries, health insurance claims often require detailed documentation. Keeping physical or digital receipts is a common practical habit for tax deductions or reimbursement purposes.
EN: The phrasal verb 'go through' means to examine or search something carefully, often used when reviewing documents or lists.
Bahasa Melayu: Kata kerja frasa 'go through' bermaksud memeriksa atau mencari sesuatu dengan teliti, sering digunakan untuk menyemak dokumen, senarai, atau kontrak.
We need to go through the contract before signing it.
Kita perlu menyemak dengan teliti sebelum menandatangani kontrak.
EN: The modal verb 'can' is used here to express possibility or a suggestion for a future action in a collaborative context.
Bahasa Melayu: Kata bantu 'can' digunakan di sini untuk menyatakan kemungkinan, atau untuk mencadangkan tindakan masa hadapan dalam konteks kolaboratif.
We can discuss the details during the meeting tomorrow.
Kita boleh membincangkan butiran dalam mesyuarat esok.
EN: In English-speaking cultures, 'Deal' is a common informal way to agree to a proposal or a plan, similar to saying 'It's a bargain' or 'I agree'. Also, offering to make tea or coffee is a standard hospitable gesture when starting a shared task.
Kosa kata utama dengan sebutan IPA, definisi, contoh ayat, dan kuiz interaktif.
Dalam konteks: Proses pendaftaran (untuk insurans atau kursus)
Dalam konteks: Premium insurans (bayaran tetap yang dibuat kepada syarikat insurans)
Dalam konteks: Skop perlindungan, perkara yang dilindungi
Dalam konteks: Deductible (jumlah yang perlu ditanggung oleh pemegang polisi sebelum insurans membayar)
Dalam konteks: Permohonan tuntutan insurans
Dalam konteks: Doktor pakar
Dalam konteks: Ubat preskripsi
Dalam konteks: Menyeluruh, komprehensif
Dalam konteks: Menarik, menarik minat
Dalam konteks: Teratur, tersusun
Frasa dengan label jenis, definisi dwibahasa, nota penggunaan, dan contoh ayat.
Using one's own money to pay for something, especially when it will not be reimbursed.
Mengeluarkan wang sendiri, perbelanjaan sendiri
To read something from beginning to end to check for details or errors.
Membaca dengan teliti dari awal hingga akhir
To find a compromise between two opposing things or ideas.
Mencapai keseimbangan, kompromi
To complete a form or document by providing information.
Mengisi (borang, dokumen)
The regular amount of money paid to an insurance company to keep a policy active.
Premium
The specific risks or costs that are paid for by an insurance company.
Perlindungan / Liputan
The amount of money the insured person must pay out of their own pocket before the insurance company begins to pay.
Deduktibel
A formal request to an insurance company asking for payment based on the terms of the insurance policy.
Tuntutan