EN： The past tense of 'get' is 'got'. It is used to show that something was received in the past.
中文： 動詞 get 的過去式是 got。用來表示在過去某個時間點收到了某樣東西。
I got a gift from my friend yesterday.
我昨天收到了一份朋友送的禮物。
EN： In many English-speaking countries, important official communications like insurance updates or medical bills are still frequently sent via physical mail (a 'letter').
中文： 在許多英語系國家，重要的官方通知（如保險更新或醫療帳單）仍經常透過實體郵件（letter）寄送。
EN： Use 'did' to ask questions about the past. When using 'did', the main verb (say) stays in its basic form.
中文： 使用 'did' 來詢問過去發生的事情。當句子中有 'did' 時，後面的動詞（say）要用原形。
What did you eat for lunch?
你午餐吃了什麼？
EN： In English, we often use 'say' when referring to what is written in a letter, sign, or book, rather than 'write'.
中文： 在英文中，當提到信件、標誌或書本上的內容時，常用 'say' (說) 而不是 'write' (寫)。
EN： Use 'will' followed by a base verb to talk about things that are going to happen in the future.
中文： 使用「will」加上動詞原形，用來描述未來將會發生的事情。
I will call you tomorrow.
我明天會打電話給你。
EN： In the US, insurance companies often update their policies and premiums annually, which is why 'next year' is a common timeframe for these changes.
中文： 在美國，保險公司通常每年都會更新其保單條款和保費，這就是為什麼「明年」是這些變動常見的時間範圍。
EN： Use 'be verb + -ing' to talk about things that are happening now or changing over time.
中文： 使用「be 動詞 + -ing」來描述正在發生或正在改變的事情。
The price of milk is going up.
牛奶的價格正在上漲。
EN： In many Western countries, insurance premiums (like health or car insurance) are adjusted annually. It is common for people to express frustration when costs increase every year.
中文： 在許多西方國家，保險費（如醫療或汽車保險）每年都會調整。當費用每年上漲時，人們表達沮喪是很常見的。
EN： Use 'will be' + 'adjective' to talk about a future state or condition.
中文： 使用「will be」加上「形容詞」來描述未來的狀態或情況。
The weather will be cold tomorrow.
明天的天氣會很冷。
EN： In many English-speaking countries, health insurance premiums are reviewed and often adjusted annually, which is why the characters are discussing 'next year'.
中文： 在許多英語系國家，醫療保險費每年都會重新審核並經常調整，這就是為什麼對話中會特別提到「明年」。
EN： Use 'How much more' to ask about an additional amount of money or quantity compared to a previous state.
中文： 使用「How much more」來詢問與之前相比，額外增加的金額或數量。
How much more time do we need?
我們還需要多少額外的時間？
EN： In many English-speaking countries, insurance premiums are often adjusted annually, making this a common question during open enrollment or policy renewal periods.
中文： 在許多英語系國家，保險費通常每年調整一次，因此這是在保險續約期間非常常見的問題。
EN： Use 'more per [time period]' to describe an increase in cost or frequency over a specific duration.
中文： 使用「more per [時間單位]」來描述在特定時間段內增加的費用或頻率。
I need to drink two more glasses of water per day.
我每天需要多喝兩杯水。
EN： In the US, insurance premiums are often discussed in monthly or yearly increments. Using 'per month' is the standard way to talk about recurring bills.
中文： 在美國，保險費通常以月或年為單位討論。使用「per month」是談論定期帳單的標準方式。
EN： Use 'but' to connect two opposite ideas or to add a contrasting thought to a sentence.
中文： 使用 'but' 來連接兩個相反的想法，或在句子中加入對比性的觀點。
The car is old, but it is fast.
這輛車很舊，但它很快。
EN： In the US, 'coverage' refers to the specific amount of protection or benefits an insurance policy provides. People often balance the cost (premium) against the quality of coverage.
中文： 在美國，'coverage' 指的是保險單提供的具體保障範圍或福利金額。人們通常會在成本（保費）與保障品質之間取得平衡。
EN： The word 'read' is the past tense form here. In English, 'read' (present) and 'read' (past) are spelled the same but pronounced differently. The past tense sounds like the color 'red'.
中文： 動詞「read」在句中是過去式。在英文中，read 的現在式與過去式拼法相同，但發音不同。過去式的發音聽起來像顏色「red」。
I read the news yesterday.
我昨天讀了新聞。
EN： In the US health insurance system, a 'deductible' is a common term. It refers to the amount you must pay out-of-pocket before your insurance provider begins to pay for covered services.
中文： 在美國醫療保險制度中，「deductible」（自付額）是一個常見術語。它指的是在保險公司開始支付費用之前，你必須先自行負擔的金額。
EN： Use 'What is... exactly?' when you want a clear and detailed definition of a specific term you don't fully understand.
中文： 當你想針對某個不完全理解的特定術語尋求清晰且詳細的定義時，可以使用「What is... exactly?」這個句型。
What is a mortgage exactly?
房屋貸款究竟是什麼？
EN： In the US healthcare system, a 'deductible' is a common but often confusing term. It refers to the amount you must pay out-of-pocket for healthcare services before your insurance plan begins to pay.
中文： 在美國醫療體系中，「deductible」（自付額）是一個常見但常令人困惑的術語。它指的是在保險公司開始支付費用之前，你必須自行負擔的醫療服務金額。
EN： Use 'before' to show that one action happens first. In this sentence, we pay money first, and then the insurance company helps later.
中文： 使用 'before' 來表示某個動作先發生。在這個句子中，我們先付錢，然後保險公司之後才會提供協助。
Wash your hands before you eat.
吃飯前要洗手。
EN： In the US health insurance system, a 'deductible' is a common concept. It is the fixed amount you must pay out-of-pocket for covered health care services before your insurance plan begins to pay.
中文： 在美國醫療保險制度中，「自付額」(deductible) 是一個常見的概念。這是指在保險公司開始支付醫療費用之前，你必須先自行負擔的固定金額。
EN： Use 'First... and then...' to describe a sequence of events or steps in a process.
中文： 使用「First... and then...」來描述事件的先後順序或流程中的步驟。
First we eat dinner, and then we watch a movie.
我們先吃晚餐，然後再看電影。
EN： In the US healthcare system, a 'deductible' is a common concept where the patient must pay a specific amount out-of-pocket before the insurance company starts to cover the costs.
中文： 在美國醫療體系中，「自付額」(deductible) 是一個常見的概念，意指在保險公司開始支付費用之前，病人必須先自費支付的一定金額。
EN： Use 'Do you' at the beginning of a sentence to ask a question about a current fact or habit.
中文： 在句首使用「Do you」來詢問關於目前事實或習慣的問題。
Do you like coffee?
你喜歡咖啡嗎？
EN： In English, 'doctor visit' or 'doctor's appointment' is commonly used to refer to a medical check-up or consultation.
中文： 在英文中，「doctor visit」或「doctor's appointment」常用來指稱體檢或醫療諮詢。
EN： Use 'went' (the past tense of 'go') to talk about an action that happened and finished in the past.
中文： 使用 'went'（'go' 的過去式）來描述過去已經發生並結束的動作。
She went to the park yesterday.
她昨天去了公園。
EN： In many Western countries, a 'check-up' refers to a routine physical examination to maintain health, often covered by insurance once a year.
中文： 在許多西方國家，'check-up' 指的是為了維持健康而進行的例行性身體檢查，通常保險公司每年會給付一次。
EN： Use 'need to' followed by a base verb to express a necessity or something you must do.
中文： 使用「need to」後接動詞原形，用來表達有必要做某事或必須做某事。
I need to buy some milk.
我需要買一些牛奶。
EN： In the US health insurance system, a 'claim' is a formal request to an insurance company asking for payment based on the terms of the insurance policy. Patients often have to follow up on these to ensure the doctor gets paid.
中文： 在美國醫療保險體系中，「claim」（理賠申請）是向保險公司提出的正式要求，請求根據保險條款支付費用。病人通常需要追蹤這些申請，以確保醫生收到款項。
EN： To ask a question about the past, start with 'Did' followed by the person (subject) and the basic form of the action (verb).
中文： 要詢問過去發生的事情，句首使用 'Did'，後面接主詞和動詞原形。
Did you eat breakfast?
你吃過早餐了嗎？
EN： In medical contexts, 'the papers' often refers to specific documents like prescriptions, receipts, or insurance claim forms.
中文： 在醫療情境中，「the papers」通常指特定的文件，例如處方箋、收據或保險理賠申請表。
EN： Use 'on' to describe something that is touching the surface of an object, like a desk or a table.
中文： 使用介係詞 'on' 來描述某物位於另一個物體（如書桌或桌子）的表面上。
The keys are on the table.
鑰匙在桌子上。
EN： In many English-speaking countries, keeping physical copies of insurance documents and medical bills is common for tax and record-keeping purposes, even in the digital age.
中文： 在許多英語系國家，即使在數位時代，為了報稅和記錄保存，保留保險文件和醫療帳單的紙本複印件仍然非常普遍。
EN： The verb 'help' can be followed by an object and then another verb without 'to' (help someone do something).
中文： 動詞 help 後面可以接「人」再加上「原形動詞」，表示幫助某人做某事。
Can you help me carry these bags?
你能幫我提這些袋子嗎？
EN： In English-speaking countries, insurance forms can be complex. Offering to 'help fill out' a form is a common way to show support to family members or friends.
中文： 在英語系國家，保險表格通常很複雜。主動提議「幫忙填寫」表格是向家人或朋友表達支持的常見方式。
EN： Use 'will be' + 'adjective' to talk about a future state or result.
中文： 使用「will be」加上「形容詞」來描述未來的狀態或結果。
The weather will be sunny tomorrow.
明天天氣會很晴朗。
EN： In Western culture, acknowledging help and emphasizing teamwork ('together') is a common way to show appreciation and build rapport.
中文： 在西方文化中，肯定他人的幫助並強調團隊合作（together）是表達感激和建立良好關係的常見方式。
EN： Use 'should' followed by a base verb to give advice or suggest a good idea.
中文： 在 'should' 後面接動詞原形，用來提供建議或表達這是一個好主意。
We should buy some milk.
我們應該買些牛奶。
EN： In many Western countries, people often 'shop around' for insurance every year to find the best rates, as prices can change frequently.
中文： 在許多西方國家，人們習慣每年「貨比三家」尋找保險，因為保險價格經常變動，透過比較可以找到更划算的方案。
EN： Use 'can' to express possibility or the ability to do something in the future.
中文： 使用 'can' 來表達可能性或在未來做某事的能力。
We can watch a movie tonight.
我們今晚可以看電影。
EN： Use 'will' to express a decision made at the moment of speaking or to offer help.
中文： 使用 'will' 來表達說話當下所做的決定或主動提議幫忙。
I will open the window for you.
我來幫你開窗戶。
EN： In many English-speaking households, it is common to divide chores or tasks (like cooking vs. searching for information) to show cooperation.
中文： 在許多英語系國家的家庭中，習慣透過分工（例如一人煮飯，另一人查資料）來展現合作精神。
重要單字附有 IPA 發音、定義、例句和互動式測驗。
在本文中： 保險
在本文中： 保險費
在本文中： 保險範圍；保障
在本文中： 自負額；免賠額
在本文中： 健康檢查
在本文中： 保險理賠申請
在本文中： 比較
在本文中： 搜尋；查找資料
片語包含類型標示、雙語定義、用法說明和例句。
To increase in price, amount, or level.
上漲；上升
To complete a form or document by writing information in the spaces provided.
填寫（表格、文件）
A specific type of insurance policy with set benefits and costs.
保險方案
To search for information on the internet.
上網查詢
The amount of money that an individual or business must pay for an insurance policy.
保險費
The amount of protection or the specific risks that are covered by an insurance policy.
保險保障範圍
The amount of money that the insured person must pay out of pocket before the insurance company starts to pay for a loss.
自付額 / 免賠額
A formal request to an insurance company asking for a payment based on the terms of the insurance policy.
保險理賠申請