coinsurance

coinsurance的音标是[ˌkɔɪnsɪˈreɪʃn]。基本翻译是“共同保险”或“分担保险”。速记技巧可以是“koi”或“co-insurance”。

coinsurance这个词的词源可以追溯到拉丁语和法语，具体来说，它是由“co-”这个前缀和“insure”这个词组合而成的。

“co-”在拉丁语和法语中通常表示共同或联合，而“insure”则表示确保或保证。因此，“coinsurance”这个词的含义就是共同保险。

变化形式方面，coinsurance没有明显的变化形式，它是一个合成词，由两个词组合而成。

相关单词：

1. insurance - 保险，这个词与coinsurance相关，也是合成词，由“insure”和“ance”组合而成，表示确保某种情况的发生或结果。

2. co-insurance - 共同保险，这个词是由coinsurance派生出来的，表示共同确保某种情况的发生或结果。

3. excess - 超过部分，这个词与coinsurance相关，表示超过保险公司承担的部分。

4. deductible - 可扣除的，这个词与coinsurance相关，表示在保险金额中可以扣除的部分。

5. shared risk - 共同风险，这个词与coinsurance相关，表示由多人共同分担的风险。

6. mutual - 互助的，这个词与coinsurance相关，表示一种由成员之间互相帮助和支持的组织形式。

7. endorsement - 背书，这个词与coinsurance相关，指的是在文件上签名或盖章表示同意或支持某项条款或条件。

8. participation - 参与，这个词与coinsurance相关，表示共同参与某种活动或计划。

9. collective - 集体的，这个词与coinsurance相关，表示由多人共同组成或拥有的东西。

10. guarantee - 保证，这个词与coinsurance相关，表示确保某种情况的发生或结果，通常是通过签署合同或担保书来实现。

常用短语：

1. coinsurance payment 分担费用付款

2. coinsurance rate 分担费用率

3. coinsurance amount 分担费用金额

4. co-insurance 分摊保险

5. co-payment 分摊费用

6. shared responsibility 分摊责任

7. co-insured 分担保险的物品

例句：

1. The patient must pay a coinsurance payment of 50% of the total medical expenses.

2. The coinsurance rate for this policy is 70%.

3. The patient must pay the coinsurance amount for the surgery.

4. The doctor"s office will bill you for the co-insurance for the visit.

5. We must comply with the shared responsibility for insurance coverage.

6. The patient"s co-insured was stolen and they need to make a claim.

7. The coinsurance for a broken arm is usually around $500.

英文小作文：

标题：Coinsurance and Its Impact on Healthcare Costs

Coinsurance is a common feature of insurance policies that requires the insured to pay a certain percentage of the total healthcare costs themselves. This practice can have a significant impact on healthcare costs, as it encourages patients to seek less expensive options and discourages overuse of healthcare services. At the same time, coinsurance can also be a fair way to share the burden of high healthcare costs among insurers and patients. However, it can also lead to unequal distribution of costs among insurers and patients, depending on their income and healthcare needs. Therefore, it is important to strike a balance between providing adequate coverage and ensuring fair distribution of costs.