保险
Insurance
حرفيًا: Protect (保) + Danger/Risk (险)
Use `保险` for literal insurance or when you want to emphasize playing it safe and avoiding risks.
في 15 ثانية
- Refers to both financial insurance and general safety/caution.
- Use it as a noun (insurance) or adjective (safe/reliable).
- Commonly used in the phrase '保险起见' meaning 'to be safe'.
المعنى
It literally means financial insurance, but people also use it to describe playing it safe or being cautious to avoid mistakes.
أمثلة رئيسية
3 من 6Buying a new car
我需要给新车买保险。
I need to buy insurance for the new car.
Double-checking a door lock
保险起见，我再检查一下门。
To be safe, I will check the door again.
Discussing a risky investment
这个投资不太保险。
This investment isn't very safe.
خلفية ثقافية
While insurance was once viewed with skepticism in China, it is now a massive industry representing middle-class stability. The term also reflects the deep-rooted cultural value of 'mian zi' (saving face) by avoiding public failures through careful planning.
The 'Safe' Shortcut
If you aren't sure if a plan is good, just say '不保险' (bù bǎoxiǎn). It's a polite way to say 'I think this is a bad/risky idea' without being too blunt.
Safe vs. Insurance
Don't confuse '保险' with '安全' (ānquán). '安全' is physical safety (like a safe neighborhood). '保险' is about risk management and certainty.
في 15 ثانية
- Refers to both financial insurance and general safety/caution.
- Use it as a noun (insurance) or adjective (safe/reliable).
- Commonly used in the phrase '保险起见' meaning 'to be safe'.
What It Means
保险 is your safety net. It refers to commercial insurance like health or car coverage. But in daily life, it means 'safe' or 'secure.' It is about avoiding risks. If a plan is 保险, it won't fail. Think of it as the 'better safe than sorry' word.
How To Use It
You can use it as a noun. For example, buying 保险 for your new phone. You can also use it as an adjective. If you say a plan is 不保险, you mean it is risky. It often follows the word 买 (to buy) or 办 (to process). In casual talk, add 比较 (relatively) before it. This makes your suggestion sound softer and wiser.
When To Use It
Use it when discussing your future or safety. It is perfect for business meetings about risk. Use it when talking to parents about your health. It is great for travel planning too. If you bring an umbrella just in case, that is very 保险. It shows you are a responsible person who thinks ahead.
When NOT To Use It
Don't use it for 'safe' as in 'not dangerous' (use 安全 instead). A neighborhood isn't 保险, it is 安全. Don't use it to describe a person's character as 'reliable.' That would be 靠谱. Also, avoid using it in extreme sports contexts. It sounds a bit too 'corporate' for a mountain climber mid-ascent. Nobody wants to talk about premiums while hanging off a cliff.
Cultural Background
In China, the concept of 保险 has evolved fast. Older generations used to rely on family 'insurance.' Now, the middle class is obsessed with commercial 保险. It represents a shift toward modern financial planning. There is also a cultural love for 'double-checking.' This is why you hear 保险起见 (to be safe) so often. It reflects a traditional value of caution and stability.
Common Variations
保险箱 is a literal safe or strongbox. 保险丝 is a fuse in your electrical box. A very common phrase is 保险起见. Use this when you do something extra just to be sure. For example, 'I already have the key, but 保险起见, I'll check my bag again.' It makes you sound like a pro at adulting.
ملاحظات الاستخدام
The phrase is highly versatile. In business, it refers to risk mitigation; in daily life, it's a common adjective for 'reliable' or 'certain.'
The 'Safe' Shortcut
If you aren't sure if a plan is good, just say '不保险' (bù bǎoxiǎn). It's a polite way to say 'I think this is a bad/risky idea' without being too blunt.
Safe vs. Insurance
Don't confuse '保险' with '安全' (ānquán). '安全' is physical safety (like a safe neighborhood). '保险' is about risk management and certainty.
The Social 'Insurance'
In China, 'Shebao' (社保) is the social security insurance everyone talks about. Mentioning it in a job interview shows you are serious about your benefits!
أمثلة
6我需要给新车买保险。
I need to buy insurance for the new car.
Standard use of the noun for financial coverage.
保险起见，我再检查一下门。
To be safe, I will check the door again.
A very common idiomatic way to say 'just in case.'
这个投资不太保险。
This investment isn't very safe.
Using the term as an adjective to mean 'risky' or 'unreliable.'
带把伞吧，比较保险。
Bring an umbrella; it's safer that way.
Suggesting a cautious action in a friendly way.
你不买保险，我真的很担心。
I'm really worried that you don't have insurance.
Expressing concern through the lens of financial security.
吃你做的饭，我得先买个保险！
Before eating your cooking, I need to buy insurance first!
A common joke implying the food might be 'dangerous.'
اختبر نفسك
Choose the correct word to complete the sentence about safety.
为了___，我们还是早点出发吧。
'保险起见' means 'to be safe' or 'as a precaution,' which fits the context of leaving early.
You just bought a new house. What do you need to buy?
我刚买了房子，打算办一份___。
You '办' (process/apply for) an '保险' (insurance policy) for property.
🎉 النتيجة: /2
وسائل تعلم بصرية
Formality of '保险'
Joking about needing insurance for bad cooking.
我要买保险！
Suggesting someone bring a coat just in case.
比较保险。
Discussing corporate policy or health coverage.
医疗保险
Where to use '保险'
At the Bank
Buying life insurance
Traveling
Checking your passport twice
Home
Storing jewelry in a safe
Dining
Ordering a 'safe' dish you know
الأسئلة الشائعة
10 أسئلةNo, it also describes a situation or action that is reliable and low-risk. For example, 这样做比较保险 means 'Doing it this way is safer/more reliable.'
You say 医疗保险 (yīliáo bǎoxiǎn) or simply 医保 (yībǎo) for short.
Not really. If you want to say a person is reliable, use 靠谱 (kàopǔ). Calling a person 保险 sounds like you are calling them an insurance policy.
It is a physical safe or a strongbox used to store money and jewelry. 箱 means box.
It is neutral. You can use it in a legal contract or while chatting with your grandma about the weather.
It means 'to be on the safe side.' You use it when you take an extra step to prevent a mistake, like 保险起见，带上地图 (To be safe, bring a map).
The most common way is 买保险 (mǎi bǎoxiǎn) or 投保 (tóubǎo) in more formal contexts.
Usually, '安全' (ānquán) is used for physical safety. However, a 'safety catch' on a machine is called a 保险.
It is called 社会保险 (shèhuì bǎoxiǎn), often shortened to 社保 (shèbǎo). It is a major topic for employees in China.
Yes! If a friend is doing something slightly crazy, you can say 我得先给你买个保险 (I need to buy you insurance first).
عبارات ذات صلة
安全
Safe / Safety (physical)
靠谱
Reliable / Trustworthy (slang)
放心
To feel at ease / Don't worry
危险
Dangerous
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