礼节美语 Business Etiquette 210: 医疗保险(2)

 　　Jane向同事ANDY介绍公司的医疗保险。ANDY好奇地问：

　　ANDY: It seems you really know a lot about insurance.

　　J: Well, I'm Chinese and in our country people are pretty serious about insurance. I have two life insurance policies as well as casualty and accident insurance.

　　A: Wow. I only buy insurance when I'm forced to. I have auto¹ insurance, but that's required by law.

　　J: You should think about doing some research. Sometimes you can find policies that are actually a pretty good investment. Some policies allow you to pay for say, 20 years, and then you can collect a monthly check from the insurance company.

　　Jane说，自己不仅有医疗保险，还有两份人寿保险 life insurance policies 和意外伤害保险 casualty and accident insurance. 她建议ANDY不妨找找看，因为有时保险也是一种不错的投资，比如说，有些保险付满20年后，就可以每月从保险公司领取一张支票。

　　A: That's very interesting. I think you missed your calling! You should have been an insurance agent!

　　J: Actually, I worked for an insurance company when I was in my 20s.

　　A: Right...no wonder you're so knowledgeable². So what about things like braces³ for my crooked⁴ teeth? Can I claim that from my company policy?

　　J: This company only provides limited dental coverage⁵. If you broke a tooth on the job, that would be covered, but things like braces or teeth-whitening are considered cosmetic⁶ procedures and you have to pay the lion's share.

　　ANDY开玩笑说，Jane应该去卖保险，她真是选错了职业，you missed your calling. calling 在这里是职业的意思。Jane说，自己20几岁时确实在保险公司干过，No wonder she is so knowledgeable. 难怪她知道这么多。ANDY又问，如果是牙齿整形，公司的医疗保险管不管，牙齿不整齐，可以说 crooked teeth, 牙齿矫形器是 braces. Jane说，公司的牙齿保健保险很有限，整形和漂白teeth-whitening都属于cosmetic procedures 美容，大部分钱要由个人出，you have to pay the lion's share. lion's share 意思是主要部分。

　　A: So how should I go about finding out if the medical procedure I need is covered?

　　J: You should probably speak to your doctor and get some paperwork describing what you need. Then you can talk to the insurance company. But remember, some of your medical expenses won't be covered and you'll have to pay them yourself.

　　A: I understand. Thanks a bunch. I think I understand the process better now.

　　Jane建议ANDY先去找医生开证明，然后拿着证明去找保险公司问，这样就知道哪些是保险公司负责的，哪些要自己掏钱了。

1 auto   

n.(=automobile)(口语)汽车

参考例句：

• Don't park your auto here.别把你的汽车停在这儿。
• The auto industry has brought many people to Detroit.汽车工业把许多人吸引到了底特律。

2 knowledgeable   

adj.知识渊博的；有见识的

参考例句：

• He's quite knowledgeable about the theatre.他对戏剧很有心得。
• He made some knowledgeable remarks at the meeting.他在会上的发言颇有见地。

3 braces   

n.吊带，背带；托架( brace的名词复数 )；箍子；括弧；（儿童）牙箍v.支住( brace的第三人称单数 )；撑牢；使自己站稳；振作起来

参考例句：

• The table is shaky because the braces are loose. 这张桌子摇摇晃晃，因为支架全松了。
• You don't need braces if you're wearing a belt! 要系腰带，就用不着吊带了。

4 crooked   

adj.弯曲的；不诚实的，狡猾的，不正当的

参考例句：

• He crooked a finger to tell us to go over to him.他弯了弯手指，示意我们到他那儿去。
• You have to drive slowly on these crooked country roads.在这些弯弯曲曲的乡间小路上你得慢慢开车。

5 coverage   

n.报导，保险范围，保险额，范围，覆盖

参考例句：

• There's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
• This is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。

6 cosmetic   

n.化妆品；adj.化妆用的；装门面的；装饰性的

参考例句：

• These changes are purely cosmetic.这些改变纯粹是装饰门面。
• Laughter is the best cosmetic,so grin and wear it!微笑是最好的化妆品，所以请尽情微笑吧！