Health InsuranceInsurans Kesihatan
Pratonton Audio Lengkap
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EN: The phrase 'have a chance to' is a polite and indirect way to ask if someone has had the time or opportunity to complete a task, often used in professional settings to avoid sounding overly demanding.
Bahasa Melayu: Frasa 'have a chance to' ialah cara yang sopan dan tidak langsung untuk bertanya sama ada seseorang mempunyai masa atau peluang untuk menyelesaikan sesuatu tugasan, sering digunakan dalam persekitaran kerja untuk mengelakkan bunyi terlalu mendesak atau memaksa.
Did you have a chance to review the proposal I sent yesterday?
Adakah anda berpeluang untuk melihat cadangan yang saya hantar semalam?
EN: The phrasal verb 'look over' means to examine or inspect something quickly or superficially to get a general idea, as opposed to 'look into' which implies a deeper investigation.
Bahasa Melayu: Frasa kerja 'look over' bermaksud memeriksa atau menyemak sesuatu dengan cepat atau pada peringkat awal untuk mendapatkan gambaran umum, yang berbeza daripada 'look into' yang membayangkan penyiasatan yang lebih mendalam.
I need to look over the contract before I sign it.
Saya perlu menyemak kontrak ini secara ringkas sebelum menandatanganinya.
EN: In American corporate culture, 'enrollment packets' refer to the collection of documents provided during 'Open Enrollment' periods, typically once a year, when employees choose their health insurance and benefits. The term 'packet' can refer to physical papers or a digital set of files.
EN: The adverb 'frankly' is used as a sentence adverb (disjunct) to indicate the speaker's attitude or sincerity about the statement that follows. It often prefaces a potentially negative or blunt opinion.
Bahasa Melayu: Kata adverba 'frankly' digunakan sebagai kata adverba ayat (disjunct) untuk menunjukkan sikap atau tahap kejujuran penutur terhadap penyataan yang berikut. Ia biasanya digunakan untuk memperkenalkan pandangan yang mungkin tidak menyenangkan atau terus terang.
Frankly, I don't think the project will be finished on time.
Secara terus terang, saya tidak fikir projek ini dapat disiapkan tepat pada masanya.
EN: The verb 'seem' is a linking verb used to describe an impression or appearance. When comparing two states, the comparative structure 'more [adjective] than' is used for multi-syllable adjectives like 'convoluted'.
Bahasa Melayu: Kata kerja 'seem' ialah kata kerja penghubung yang digunakan untuk menerangkan tanggapan atau penampilan. Apabila membandingkan dua keadaan, untuk kata adjektif berbilang suku kata seperti 'convoluted', struktur perbandingan 'more [kata adjektif] than' digunakan.
The instructions seem more complicated than they need to be.
Arahan itu kelihatan lebih rumit daripada yang sepatutnya.
EN: In American corporate culture, 'open enrollment' is a stressful annual period where employees must choose their health insurance. The use of 'convoluted' reflects a common frustration with the complexity of the U.S. healthcare system.
EN: The present perfect tense ('has gone up') is used here to describe a past action that has a direct result or relevance to the present situation. In business contexts, it often highlights a change that is currently affecting the budget or operations.
Bahasa Melayu: Kala kini sempurna ('has gone up') digunakan di sini untuk menerangkan tindakan yang berlaku pada masa lalu, dan tindakan itu mempunyai kesan atau kaitan langsung dengan keadaan semasa. Dalam konteks perniagaan, ini biasanya digunakan untuk menekankan perubahan yang sedang menjejaskan belanjawan atau operasi.
The cost of raw materials has gone up by 15% since January.
Sejak Januari, kos bahan mentah telah meningkat sebanyak 15%.
EN: The adverb 'substantially' is a high-level (C1) synonym for 'significantly' or 'considerably'. It is used to emphasize the degree of change, particularly in formal or professional discussions regarding finance and statistics.
Bahasa Melayu: Kata adverba 'substantially' ialah sinonim tahap tinggi (C1) untuk 'significantly' atau 'considerably'. Ia digunakan untuk menekankan tahap perubahan, terutamanya dalam perbincangan formal atau profesional tentang kewangan dan statistik.
The new policy will substantially reduce the company's carbon footprint.
Dasar baharu itu akan mengurangkan jejak karbon syarikat secara ketara.
EN: In American corporate culture, discussing insurance premiums and plan changes is a common annual ritual during 'Open Enrollment' periods. Using professional vocabulary like 'premium' and 'substantially' reflects a high level of financial literacy and workplace decorum.
EN: The verb 'justify' is used here to mean 'to be a good enough reason for something'. In a business or financial context, it often implies that the benefits or value of a service outweigh its costs.
Bahasa Melayu: Kata kerja 'justify' digunakan di sini untuk bermaksud 'menjadi alasan yang cukup baik untuk sesuatu' atau 'membuktikan bahawa sesuatu itu berbaloi'. Dalam konteks perniagaan atau kewangan, ia biasanya membayangkan bahawa faedah atau nilai perkhidmatan melebihi kosnya.
The potential increase in productivity justifies the high cost of the new software.
Peningkatan produktiviti yang berpotensi membuktikan bahawa kos tinggi perisian baharu itu adalah berbaloi.
EN: The phrase 'what we're paying' functions as a nominal relative clause (or free relative clause), acting as the object of the verb 'justifies'. The word 'what' is equivalent to 'the thing(s) that'.
Bahasa Melayu: Frasa 'what we're paying' berfungsi sebagai klausa relatif nominal (atau klausa relatif bebas), yang bertindak sebagai objek bagi kata kerja 'justifies'. Di sini, 'what' bersamaan dengan 'the thing(s) that' (jumlah yang kami bayar).
I am not satisfied with what they offered us during the negotiation.
Saya tidak berpuas hati dengan syarat yang mereka tawarkan dalam rundingan itu.
EN: In American corporate culture, 'Open Enrollment' is a critical annual period where employees must choose or change their health insurance plans. Discussing whether the 'coverage justifies the premium' is a common middle-class concern regarding the rising costs of healthcare.
EN: The use of 'Should we perhaps' combines a modal verb of suggestion with an adverb of uncertainty to soften the proposal, making it less assertive and more collaborative in a professional or serious discussion.
Bahasa Melayu: Penggunaan 'Should we perhaps' menggabungkan kata kerja bantu yang bersifat cadangan dengan kata adverba yang menunjukkan ketidakpastian, yang boleh melembutkan nada cadangan, menjadikannya kurang bersifat memaksa dan lebih bersifat perundingan dalam perbincangan profesional atau serius.
Should we perhaps postpone the meeting until everyone is present?
Mungkin kita patut menangguhkan mesyuarat itu sehingga semua orang hadir?
EN: The verb 'consider' is followed by a gerund (verb + -ing) when expressing the act of thinking about an action. Using an infinitive (to switch) would be grammatically incorrect here.
Bahasa Melayu: Kata kerja 'consider' diikuti oleh gerund (kata kerja + -ing) apabila menyatakan tindakan yang dipertimbangkan. Penggunaan infinitif (to switch) di sini adalah tatabahasa yang tidak betul.
They are considering moving their headquarters to Singapore.
Mereka sedang mempertimbangkan untuk memindahkan ibu pejabat mereka ke Singapura.
EN: The phrasal verb 'switch to' indicates a complete change from one system, plan, or method to another. It is commonly used in consumer contexts like insurance, banking, or technology.
Bahasa Melayu: Frasa kerja 'switch to' menunjukkan perubahan sepenuhnya daripada satu sistem, pelan, atau kaedah kepada yang lain. Ini sangat biasa dalam konteks pengguna seperti insurans, perbankan, atau teknologi.
Many users decided to switch to the new operating system for better security.
Ramai pengguna memutuskan untuk bertukar kepada sistem pengendalian baharu demi keselamatan yang lebih baik.
EN: In the U.S. healthcare system, a 'high-deductible plan' (HDHP) is a common insurance option where the individual pays lower monthly premiums but must cover more initial costs before the insurance starts paying. It is often discussed in the context of financial planning and Health Savings Accounts (HSAs).
EN: The use of 'would' here functions as a conditional mood to express a hypothetical consequence or a logical deduction based on a proposed change (switching plans).
Bahasa Melayu: Penggunaan 'would' di sini berfungsi sebagai suasana bersyarat untuk menyatakan akibat hipotetikal, atau inferens logik berdasarkan perubahan yang dicadangkan (menukar pelan insurans).
Implementing this strategy would lead to better long-term results.
Melaksanakan strategi ini akan membawa kepada hasil jangka panjang yang lebih baik.
EN: Tag questions with 'wouldn't it' are used to seek confirmation for a statement. Since the main clause is positive ('would mean'), the tag is negative.
Bahasa Melayu: Soalan tag 'wouldn't it' digunakan untuk meminta pengesahan bagi sesuatu penyataan. Oleh kerana klausa utama adalah afirmatif (would mean), soalan tag menggunakan bentuk negatif.
That would be the most efficient route, wouldn't it?
Itu akan menjadi laluan yang paling cekap, bukan?
EN: The gerund 'exploring' follows the adjective 'worth'. The structure 'be worth + V-ing' indicates that the action is deserving of the effort or time.
Bahasa Melayu: Gerund 'exploring' mengikuti kata adjektif 'worth'. Struktur 'be worth + V-ing' bermaksud tindakan itu berbaloi untuk diberi usaha atau masa.
The proposal is definitely worth considering before we make a final decision.
Cadangan itu sememangnya berbaloi untuk dipertimbangkan sebelum kita membuat keputusan muktamad.
EN: In American healthcare contexts, terms like 'deductible' and 'premium' are part of daily financial literacy. Discussing these options during 'Open Enrollment' (the period when employees can change insurance) is a common annual ritual for professionals.
EN: The phrase 'only if' is a strong conditional marker. It introduces a necessary condition that must be met for the main clause to be true, emphasizing that there are no other circumstances under which the result would occur.
Bahasa Melayu: 'only if' ialah penanda syarat yang kuat. Ia digunakan untuk memperkenalkan 'syarat perlu'. Ia menekankan bahawa hasil dalam klausa utama hanya akan berlaku jika syarat itu dipenuhi, mengecualikan kemungkinan lain.
The company will approve the budget only if we provide a detailed cost-benefit analysis.
Syarikat hanya akan meluluskan belanjawan itu jika kami menyediakan analisis kos-faedah yang terperinci.
EN: The compound adjective 'out-of-pocket' refers to expenses paid directly by an individual rather than being covered by an employer or insurance company. It is commonly used in financial and medical contexts.
Bahasa Melayu: Kata adjektif majmuk 'out-of-pocket' merujuk kepada perbelanjaan yang dibayar terus oleh individu, bukannya oleh majikan atau syarikat insurans. Ini sangat biasa dalam konteks kewangan dan perubatan.
The insurance plan has a maximum out-of-pocket limit of $5,000 per year.
Pelan insurans itu mempunyai had maksimum perbelanjaan sendiri sebanyak AS$5,000 setahun.
EN: The adverb 'upfront' means making a payment or providing information in advance. In this context, it emphasizes the immediate financial burden at the start of a service or medical treatment.
Bahasa Melayu: Kata adverba 'upfront' bermaksud membuat pembayaran atau memberikan maklumat lebih awal. Dalam konteks ini, ia menekankan beban kewangan yang perlu ditanggung serta-merta pada permulaan perkhidmatan atau rawatan perubatan.
They required a 20% deposit upfront before starting the renovation.
Mereka meminta bayaran pendahuluan sebanyak 20% sebelum kerja pengubahsuaian dimulakan.
EN: In the U.S. healthcare system, the trade-off between monthly premiums and deductibles is a common financial dilemma. 'High-deductible health plans' (HDHPs) are often paired with Health Savings Accounts (HSAs), reflecting a cultural shift toward 'consumer-driven healthcare' where individuals take more direct responsibility for their medical spending.
EN: This sentence uses an inverted conditional structure (Inversion in the Second Conditional). 'Were we to face' is a formal alternative to 'If we were to face'. It is used to discuss hypothetical or unlikely future scenarios, adding a tone of formality and emphasis.
Bahasa Melayu: Ayat ini menggunakan struktur bersyarat yang disongsangkan (Penyongsangan dalam Kondisional Kedua). 'Were we to face' ialah pengganti formal untuk 'If we were to face', digunakan untuk membincangkan situasi hipotetikal atau yang tidak mungkin berlaku pada masa hadapan, menambah nada formal dan penekanan.
Were they to offer me the position, I would likely accept it.
Sekiranya mereka menawarkan jawatan itu kepada saya, saya sangat mungkin akan menerimanya.
EN: The modal verb 'could' is used here to express a strong possibility or potential consequence in a hypothetical situation. It suggests that the 'overwhelming costs' are a logical outcome of the condition mentioned.
Bahasa Melayu: Kata kerja bantu 'could' digunakan di sini untuk menyatakan kemungkinan yang kuat atau akibat yang berpotensi dalam keadaan hipotetikal. Ia membayangkan bahawa 'kos yang sukar ditanggung' ialah hasil logik daripada syarat yang dinyatakan.
Without proper planning, the project could fail miserably.
Jika tiada perancangan yang betul, projek ini boleh gagal dengan teruk.
EN: In American culture, medical debt is a significant concern due to the high cost of healthcare. Discussions about 'out-of-pocket' expenses and 'deductibles' are common when choosing insurance plans, as a single emergency can lead to financial ruin without adequate coverage.
EN: The word 'valid' in this context functions as an adjective meaning 'logically sound' or 'justifiable'. It is frequently used in professional or serious discussions to acknowledge the merit of an interlocutor's point before providing further evidence or counter-arguments.
Bahasa Melayu: Dalam konteks ini, 'valid' berfungsi sebagai kata adjektif yang bermaksud 'munasabah dari segi logik' atau 'berasas'. Dalam perbincangan profesional atau serius, ia sering digunakan untuk mengakui kewajaran pandangan pihak lain sebelum memberikan bukti lanjut atau membantah.
You raised a valid point regarding the budget constraints.
Anda telah mengemukakan pandangan yang munasabah mengenai kekangan belanjawan.
EN: The phrase 'filed that claim' uses the verb 'file' in a legal or administrative sense, meaning to officially submit a document or application. 'Claim' specifically refers to a formal request to an insurance company for payment based on the terms of a policy.
Bahasa Melayu: Frasa 'filed that claim' menggunakan kata kerja 'file' dalam makna undang-undang atau pentadbiran, yang bermaksud menyerahkan dokumen atau permohonan secara rasmi. 'Claim' pula merujuk secara khusus kepada tuntutan rasmi yang dibuat kepada syarikat insurans mengikut terma polisi insurans.
The policyholder filed a claim for the damages caused by the storm.
Pemegang polisi telah memfailkan tuntutan untuk kerugian yang disebabkan oleh ribut.
EN: The sentence 'Remember when...' is a common conversational ellipsis for 'Do you remember the time when...'. It functions as a relative clause where 'when' introduces a specific past event to establish shared context in a narrative.
Bahasa Melayu: Ayat 'Remember when...' ialah bentuk ringkas dalam percakapan untuk 'Do you remember the time when...'. Ini ialah klausa relatif, yang dipimpin oleh 'when' untuk merujuk peristiwa lampau yang tertentu, bagi membina latar belakang perbualan yang dikongsi dalam penceritaan.
Remember when we got lost in Tokyo during our last vacation?
Ingatkah kita ketika tersesat di Tokyo semasa bercuti yang lalu?
EN: In American healthcare culture, 'filing a claim' and dealing with 'denied claims' are common, often frustrating experiences. Discussing medical costs and insurance specifics is a standard part of financial planning for families and colleagues, reflecting the complexity of the U.S. private insurance system.
EN: The rhetorical question 'How could I forget?' is used to emphasize that something was so significant, traumatic, or memorable that it is impossible to erase from one's memory. It functions as a strong affirmation rather than a request for information.
Bahasa Melayu: Soalan retorik 'How could I forget?' digunakan untuk menekankan bahawa sesuatu itu sangat penting, traumatik, atau tidak dapat dilupakan sehingga mustahil untuk dilupakan. Fungsinya adalah sebagai penegasan yang kuat, bukan untuk mencari maklumat.
How could I forget the day we first met?
Macam mana mungkin saya lupa pada hari kita pertama kali bertemu?
EN: The adverb 'initially' is used to describe the state or action at the beginning of a process, often implying that the situation changed later. It is a formal alternative to 'at first'.
Bahasa Melayu: Kata adverba 'initially' digunakan untuk menerangkan keadaan atau tindakan pada permulaan sesuatu proses, biasanya membayangkan bahawa keadaan kemudiannya berubah. Ini ialah pengganti yang lebih formal untuk 'at first'.
The proposal was initially rejected, but later approved after revisions.
Cadangan itu pada mulanya ditolak, tetapi diluluskan selepas ia diubah suai.
EN: The adjective 'exhausting' is the present participle used to describe something that causes fatigue (the cause), whereas 'exhausted' describes the feeling (the effect). In this context, it characterizes the nature of the 'appeal process'.
Bahasa Melayu: Kata adjektif 'exhausting' ialah partisipel kini yang digunakan untuk menerangkan sesuatu yang menyebabkan keletihan (punca), manakala 'exhausted' menerangkan perasaan (hasil). Dalam konteks ini, ia menerangkan sifat 'proses rayuan'.
Running a marathon is exhausting, even for professional athletes.
Menjalankan maraton sangat meletihkan, walaupun bagi atlet profesional.
EN: In the U.S. healthcare system, dealing with insurance companies can be notoriously bureaucratic. An 'appeal process' refers to the formal request for an insurer to reconsider a decision to deny coverage for a medical service. It is often described as 'exhausting' due to the extensive paperwork and time required.
EN: Negative Inversion with 'Not until': When a sentence begins with 'Not until' followed by a time clause, the main clause undergoes subject-auxiliary inversion (the auxiliary verb 'did' comes before the subject 'they'). This structure is used for emphasis.
Bahasa Melayu: Penyongsangan negatif dengan 'Not until': Apabila ayat bermula dengan klausa masa yang dipimpin oleh 'Not until', klausa utama mesti disongsangkan antara subjek dan kata kerja bantu (kata kerja bantu did diletakkan sebelum subjek they). Struktur ini sering digunakan untuk menekankan titik masa tertentu sesuatu perkara berlaku.
Not until she reached the airport did she realize she had forgotten her passport.
Barulah apabila dia tiba di lapangan terbang, dia menyedari bahawa dia terlupa membawa pasportnya.
EN: The use of 'Precisely' as a standalone adverb: In professional or formal dialogue, 'Precisely' is used to express complete agreement with a previous speaker's point, often implying that the speaker has hit upon the exact core of the issue.
Bahasa Melayu: Penggunaan 'Precisely' sebagai kata adverba yang berdiri sendiri: Dalam perbualan profesional atau formal, 'Precisely' digunakan untuk menyatakan persetujuan sepenuhnya dengan pandangan penutur sebelumnya, biasanya membayangkan bahawa pihak lain telah memahami inti masalah dengan tepat.
Precisely. That is the exact reason why we need to re-evaluate our budget.
Tepat sekali. Itulah sebabnya kita perlu menilai semula belanjawan kita.
EN: In the U.S. healthcare system, 'claims' and 'appeals' are common bureaucratic hurdles. The sentence reflects a typical frustration with insurance companies requiring extensive documentation before fulfilling their obligations.
EN: The verb 'propose' is often followed by a 'that' clause (which can be omitted) using the subjunctive mood or a simple present/future structure. In formal contexts, the base form of the verb is used (e.g., 'propose we do'), though in modern conversation, it often functions as a standard transitive verb structure.
Bahasa Melayu: Kata kerja 'propose' (mencadangkan/mengusulkan) apabila diikuti oleh klausa, biasanya 'that' digugurkan. Dalam penggunaan formal, kata kerja dalam klausa hendaklah menggunakan suasana subjungtif (kata kerja dasar), tetapi dalam percakapan moden, ia sering diikuti terus oleh subjek dan kata kerja, untuk menanyakan rancangan atau tindakan khusus pihak lain.
I propose we postpone the meeting until everyone is present.
Saya mencadangkan kita menangguhkan mesyuarat itu sehingga semua orang hadir.
EN: The present simple tense ('closes') is used here to describe a scheduled event in the near future. This usage conveys a sense of certainty and fixed timing, common in administrative or official contexts.
Bahasa Melayu: Di sini, kala kini mudah ('closes') digunakan untuk menerangkan jadual atau tarikh akhir yang telah ditetapkan dalam masa terdekat. Penggunaan ini menyampaikan nada kepastian dan jadual yang tetap, yang biasa dalam pengumuman pentadbiran atau peraturan rasmi.
The exhibition ends this Sunday, so we should go soon.
Pameran itu ditutup pada hari Ahad ini, jadi kita patut pergi dengan segera.
EN: 'Open enrollment' refers to a specific period, typically once a year, when employees in the U.S. can sign up for or change their health insurance and other benefits. Missing this window usually means waiting another year unless a 'qualifying life event' occurs.
EN: The phrasal verb 'factor in' means to include a particular fact or situation when you are calculating or planning something. It is commonly used in professional and financial decision-making contexts.
Bahasa Melayu: Frasa kerja 'factor in' bermaksud memasukkan fakta atau situasi tertentu ke dalam pertimbangan semasa membuat pengiraan atau perancangan. Ini sering digunakan dalam konteks keputusan profesional atau perancangan kewangan.
When calculating the total cost of the trip, don't forget to factor in the currency exchange fees.
Jangan lupa untuk mengambil kira caj pertukaran mata wang apabila mengira jumlah kos perjalanan.
EN: The adverbial phrase 'side by side' literally means close together and facing the same way, but figuratively, it refers to a detailed, direct comparison between two items to highlight differences and similarities.
Bahasa Melayu: Frasa adverba 'side by side' secara literal bermaksud bersebelahan atau sejajar, tetapi dalam makna kiasan, ia merujuk kepada perbandingan terperinci dan langsung antara dua perkara untuk menonjolkan persamaan dan perbezaannya.
The website allows users to view the specifications of different smartphone models side by side.
Laman web itu membolehkan pengguna melihat spesifikasi model telefon pintar yang berbeza secara bersebelahan.
EN: In American corporate culture, 'Open Enrollment' is a specific annual period where employees can change their health insurance and other benefits. Decisions made during this time are usually binding for the entire following year, which is why the characters emphasize making an 'informed decision'.
EN: The phrase 'would rather' followed by a subject and a verb requires the past simple tense to express a preference about a present or future situation. This is a type of subjunctive mood used to indicate that the preference is hypothetical or a desired outcome.
Bahasa Melayu: Apabila 'would rather' diikuti oleh subjek dan kata kerja, kala lampau mudah diperlukan untuk menyatakan keutamaan terhadap situasi masa kini atau masa hadapan. Ini ialah suasana subjungtif, digunakan untuk menunjukkan bahawa keutamaan itu bersifat hipotetikal atau hasil yang diingini.
I'd rather you didn't mention this to the manager yet.
Saya lebih suka anda tidak menyebut perkara ini kepada pengurus buat masa ini.
EN: The structure 'would rather... than...' is used to show preference between two actions. Note that the verb following 'than' should parallel the structure of the first verb; in this case, 'rushed' matches the past simple 'made' used in the subjunctive clause.
Bahasa Melayu: Struktur 'would rather... than...' digunakan untuk menunjukkan keutamaan antara dua tindakan. Sila ambil perhatian bahawa kata kerja selepas 'than' hendaklah selari dengan struktur kata kerja pertama; dalam ayat ini, 'rushed' sepadan dengan kala lampau 'made' yang digunakan dalam klausa subjungtif.
She'd rather we stayed home than went out in this storm.
Dia lebih suka kita tinggal di rumah daripada keluar dalam ribut yang teruk.
EN: In professional and financial contexts, the term 'informed decision' is highly valued. It implies that one has done the necessary research and due diligence rather than acting on impulse. This reflects a cultural emphasis on rationality and individual responsibility in Western decision-making processes.
EN: The phrasal verb 'pull up' in a digital context means to find and display information on a computer screen or mobile device. It implies the action of retrieving data from a storage location to make it visible.
Bahasa Melayu: Frasa kerja 'pull up' dalam konteks digital bermaksud mencari dan memaparkan maklumat pada skrin komputer atau peranti mudah alih. Ia membayangkan tindakan mengeluarkan data dari lokasi simpanan dan menjadikannya kelihatan.
Could you pull up the spreadsheet from last quarter so we can compare the figures?
Bolehkah anda memaparkan hamparan suku tahun lepas supaya kita boleh membandingkan data?
EN: The phrasal verb 'go through' means to examine or search something very carefully. In a professional or formal context, it often refers to reviewing documents, lists, or complex details step-by-step.
Bahasa Melayu: Frasa kerja 'go through' bermaksud memeriksa atau mencari sesuatu dengan sangat teliti. Dalam konteks profesional atau formal, ia biasanya merujuk kepada semakan dokumen, senarai, atau butiran kompleks secara berperingkat.
We need to go through the contract one more time before signing it.
Kita perlu menyemak kontrak itu dengan teliti sekali lagi sebelum menandatanganinya.
EN: In Western corporate and administrative culture, 'plan summaries' (specifically Summary of Benefits and Coverage or SBC) are standardized documents required by law to help consumers compare insurance options easily. The phrase 'go through them together' reflects a collaborative decision-making process common in both professional and domestic partnerships.
Kosa kata utama dengan sebutan IPA, definisi, contoh ayat, dan kuiz interaktif.
Dalam konteks: Sangat rumit dan sukar untuk difahami
Dalam konteks: Premium insurans
Dalam konteks: Secara ketara; dengan ketara
Dalam konteks: Deductible (jumlah yang perlu ditanggung sendiri sebelum insurans membayar)
Dalam konteks: Perbelanjaan yang perlu ditanggung sendiri; kos yang dibayar dari poket sendiri
Dalam konteks: Sukar untuk ditanggung; amat memberatkan
Dalam konteks: Permohonan tuntutan insurans
Dalam konteks: Rayuan; rayuan (proses memohon semula)
Dalam konteks: Dokumen sokongan; bukti bertulis
Dalam konteks: Yang dijangkakan
Frasa dengan label jenis, definisi dwibahasa, nota penggunaan, dan contoh ayat.
To examine or review something quickly.
Menyemak imbas; meninjau
Close together and facing the same way; compared directly.
Bersebelahan; membandingkan secara serentak
To include something as a relevant element when making a calculation or decision.
Mengambil kira faktor...
A decision based on knowledge of the facts and circumstances.
Keputusan yang bijak; keputusan berdasarkan maklumat yang mencukupi
The amount of money that an individual or business must pay for an insurance policy.
Premium
A specified amount of money that the insured must pay before an insurance company will pay a claim.
Deduktibel
Costs for medical care that aren't reimbursed by insurance.
Perbelanjaan sendiri
A formal request by a policyholder to an insurance company for coverage or compensation for a covered loss.
Tuntutan
A period during which people may elect to enroll in, or change, their health insurance or other benefit programs.
Tempoh pendaftaran terbuka
The amount of risk or liability that is covered for an individual or entity by way of insurance services.
Perlindungan / Liputan insurans