VIP Class Notes (Tibo) [S]

Homework

Prepare 5 questions you would ask a client to help him find an insurance product.

Speaking exercise

If I didn’t have glasses , I would be a pilot
If I hadn’t had glasses, I would have been a pilot last year
If I hadn’t worked in an insurance company I would have worked in marketing.

every Chinese has the basic health insurance, if someone go to the hospital they need to pay some billing the country can cover. Maybe 90% but you don’t have that so I really suggesting for you you can buy a health insurance for yourself. If you want to go to the hospital to check your body. the insurance company can cover you pay the money.
You can chose where you want to cover, mainland china, greater china….Our company is a state owned company so you can believe in us.

If you buy the mandarin china coverage you can go to every hospital in mainland china.
If you chose the first option the premium will be cheaper if you chose the second one it will be more expensive.

If you want the basic coverage with international hospitals maybe 12K one year.
You have to pay the premium annually.
Some hospitals in Shanghai is very expensive, if you buy the basic plan you can’t go to the expensive hospitals.
It is not a big increase year to year.
If somebody very rich but he unhealthy maybe he has cancer insurance company didn’t sell the health insurance for her.
If you have previous illnesses in China the medical system can check. SO you should tell me what is your previous illnesses but you don’t tell me it is fine I can check in the medical system.


If I didn’t have glasses , I would be a pilot
If I hadn’t had glasses, I would have been a pilot last year
If I hadn’t worked in an insurance company I would have worked in marketing.

every Chinese has the basic health insurance, if someone goes to the hospital and he needs to pay some bills the country can cover the cost/it. Maybe 90% of the cost but you don’t have that so I really suggest you to buy a health insurance for yourself. If you want to go to the hospital to have a health check. the insurance company can cover it.
You can chose where you want to be covered, mainland china, greater china….Our company is a state owned company so you can believe in us.

If you buy the mainland china coverage you can go to every hospitals in mainland china.
If you chose the first option the premium will be cheaper if you chose the second one it will be more expensive.

If you want the basic coverage with international hospitals it may be 12K per year / annually.
You have to pay the premium annually.
Some hospitals in Shanghai are very expensive, if you buy the basic plan/coverage you can’t go to the expensive hospitals.
It is not a big increase year to year/ every year.
If somebody is very rich but unhealthy maybe he has cancer… insurance companies won’t  sell health insurance products to him / will consider him too risky.
If you have previous illnesses in China the medical system can check. So you should tell me what is your previous illnesses but you don’t tell me it is fine I can check in the medical system.

Vocabulary

previous illnesses : illness before
The insurance company does not cover previous illnesses.

imported : from other countries
imported medicine is not covered by the government

risk : danger 风险
you buy an insurance to cover the risk of being sick

Risky : having risk
It is risky to cover old people because they get sick more easily

to consider : 认为
We are not from the same family but I consider him as my brother.

health check : making sure you are healthy at the hospital
Most people have a health check every year.

investment 投资
I made some investments in real estate.

effective: works well
The medicine works very well.

annual : per year
It is the annual premium.

monthly : per month
It is the monthly premium.

convenient 方便
This insurance is very convenient.

quote/quotation : estimated price for a service
The quotation for a basic insurance is 13k.

to prefer 更喜欢
I prefer international hospitals.

option: choice
Do you prefer option A or option B.

partner 合伙人
do you partner with hospitals in Shanghai?

premium : amount of money paid for an insurance
your premium increases as you get older.

maternity : giving birth
I didn’t include maternity in the coverage.

coverage: what you cover
Your insurance coverage does not include dentist visits.

to cover: to include
We do not cover maternity in the basic plan

state owned company : company which belongs to the government
We are a state owned company.

provider : person or company which provides a service
We work with the biggest insurance providers in the world.

Grammar

suggest somebody to do something
I suggest you to buy an insurance.

Pronunciation

envy (n v)

accounting

repetitive

regret