5.2.3.1　健康险基本概念

1.Endowment insurance 养老保险

The Decision of the State Council on Improving the Basic Pension Insurance System for Enterprise Employees was released and implemented.China’s basic pension insurance system will be improved from ten major aspects, including ensuring the basic pension of retirees is paid in full and on time, no default on basic pensions will occur and so on.

《国务院关于完善企业职工基本养老保险制度的决定》发布实施。我国基本养老保险制度将从十大主要方面予以完善，其中包括确保离退休人员基本养老金按时足额发放，不得发生基本养老金拖欠等内容。

2.Health insurance 健康保险

There have been criticisms that the changes would cause many people to drop their private health insurance, causing a further burden on the public hospital system and a rise in premiums.

有人批评这些改革会使很多人放弃私人健康保险，进而加重了公立医院的负担，并导致保费上涨。

3.Insurance broker 保险经纪人

In the United States, insurance brokers are regulated by the individual U.S.states.Most states require anyone who sells, solicits, or negotiates insurance in that state to obtain an insurance broker license, with certain limited exceptions.

在美国，保险经纪人受美国各州监管。除某些有限的例外情况外，大多数州要求在该州销售、招揽或协商的保险人需要获得保险经纪人执照。

5.2.3.2　健康险实务(www.daowen.com)

1.Deductibles 免赔额

Several states mandate first-dollar coverage for certain types of health insurance benefits,no deductibles permitted.(Forbes: Fact and Comment)

有几个州要求对某些类型的健康保险福利实行全额给付保险，不允许扣除免赔额。

2.Insurance coverage 保险范围

While social insurance provided to the poor has a negative incentive effect, it also increases their otherwise insufficient insurance coverage.(Insurance: Mathematics and economics/February 2017/ https://doi.org/10.1016/j.jpubeco.2016.12.009)

虽然向穷人提供的社会保险具有负面的激励效应，但这也扩大了保险范围。

3.Insurance premium 保险费

The US health insurance industry is highly concentrated, and health insurance premiums are high and rising rapidly.(Insurance: Mathematics and economics/July, 2015/https://doi.org/10.1016/j.jhealeco.2015.03.009)

美国医疗保险行业高度集中，医疗保险费用不仅高且增长迅速。