EN： The past tense of 'get' is 'got'. It is used to show that something was received in the past.
中文： 动词 get 的过去式是 got。用来表示在过去某个时间点收到了某样东西。
I got a gift from my friend yesterday.
我昨天收到了一份朋友送的礼物。
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' 来询问过去发生的事情。当句子中有 'did' 时，后面的动词（say）要用原形。
What did you eat for lunch?
你午餐吃了什么？
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”加上动词原形，用于描述未来将会发生的事情。
I will call you tomorrow.
我明天会给你打电话。
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 动词 + -ing”来描述正在发生或正在改变的事情。
The price of milk is going up.
牛奶的价格正在上涨。
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 + 形容词”来描述未来的状态或情况。
The weather will be cold tomorrow.
明天的天气会很冷。
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”来询问与之前相比额增加的金额或数量。
How much more time do we need?
我们还需要多少额外的时间？
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 [时间单位]”来描述在特定时间段内增加的费用或频率。
I need to drink two more glasses of water per day.
我每天需要多喝两杯水。
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' 来连接两个相反的想法，或在句子中加入对比性的观点。
The car is old, but it is fast.
这辆车很旧，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： 动词 “read” 在句中是过去式。在英语中，read 的现在式与过去式拼写相同，但发音不同。过去式的发音听起来像颜色 “red”。
I read the news yesterday.
我昨天读了新闻。
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： 当你想针对某个不完全理解的特定术语寻求清晰且详细的定义时，可以使用“What is... exactly?”这个句型。
What is a mortgage exactly?
房屋贷款究竟是什么？
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' 来表示某个动作先发生。在这个句子中，我们先付钱，然后保险公司之后才会提供协助。
Wash your hands before you eat.
吃饭前要洗手。
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...”来描述事件的先后顺序或流程中的步骤。
First we eat dinner, and then we watch a movie.
我们先吃晚餐，然后再看电影。
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”来询问关于目前事实或习惯的问题。
Do you like coffee?
你喜欢咖啡吗？
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' 的过去式）来描述过去已经发生并结束的动作。
She went to the park yesterday.
她昨天去了公园。
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”后接动词原形，用来表达有必要做某事或必须做某事。
I need to buy some milk.
我需要买一些牛奶。
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： 要询问过去发生的事情，句首使用 'Did'，后面接主语和动词原形。
Did you eat breakfast?
你吃早餐了吗？
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： 使用介词 'on' 来描述某物位于另一个物体（如桌子或书桌）的表面上。
The keys are on the table.
钥匙在桌子上。
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： 动词 help 后面可以接“宾语”再加上“动词原形”，表示帮助某人做某事。
Can you help me carry these bags?
你能帮我提这些袋子吗？
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 + 形容词”来描述未来的状态或结果。
The weather will be sunny tomorrow.
明天天气会很晴朗。
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' 后面接动词原形，用来提供建议或表达这是一个好主意。
We should buy some milk.
我们应该买些牛奶。
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' 来表达可能性或在未来做某事的能力。
We can watch a movie tonight.
我们今晚可以看电影。
EN： Use 'will' to express a decision made at the moment of speaking or to offer help.
中文： 使用 'will' 来表达说话当下所做的决定或主动提议帮忙。
I will open the window for you.
我来帮你开窗户。
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。
重要单词附有 IPA 发音、定义、例句和互动式测验。
在本文中： 保险
在本文中： 保费
在本文中： 保障范围；保额
在本文中： 免赔额
在本文中： 体检；健康检查
在本文中： 理赔申请
在本文中： 比较；对比
在本文中： 搜索；上网查找资料
片语包含类型标示、双语定义、用法说明和例句。
To increase in price, amount, or level.
上涨；上升
To complete a form or document by writing information in the spaces provided.
填写（表格、文件）
A specific type of insurance policy with set benefits and costs.
保险方案
To search for information on the internet.
上网查询
The amount of money that an individual or business must pay for an insurance policy.
保险费
The amount of protection or the specific risks that are covered by an insurance policy.
保险保障范围
The amount of money that the insured person must pay out of pocket before the insurance company starts to pay for a loss.
自付额 / 免赔额
A formal request to an insurance company asking for a payment based on the terms of the insurance policy.
保险理赔申请