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March 24, 2026
保险(保險)bǎoxiǎn(bao3xian3)
保险 (bǎoxiǎn) refers to insurance, a financial product that provides protection against potential future losses or risks. It is commonly used in contexts related to finance, health, and property to ensure safety and security against unforeseen events.
Frequency#1570DifficultyMedium
Cultural Note
In Chinese culture, the concept of insurance is increasingly important as society modernizes, with more people recognizing the need for financial security against health issues and accidents. The rise of health insurance reflects changing attitudes towards personal responsibility and risk management.
Memory Tip
Think of 保险 as a 'bao' (包, wrap) that 'xian' (险, danger) protects you from. Visualize wrapping yourself in a protective layer whenever you enter a risky situation, ensuring you are safe and secure.
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AI Study Notes for 保险
Quick Contrast
保险 (bǎoxiǎn) vs 保证 (bǎozhèng): choose 保险 when referring to insurance coverage, while 保证 refers to a guarantee or assurance.
Memory Mnemonic
Think of 保险 as a 'bao' (包, wrap) that 'xian' (险, danger) protects you from. Visualize wrapping yourself in a protective layer whenever you enter a risky situation, ensuring you are safe and secure.
Usage Notes
A common mistake is using 保险 in contexts where it implies certainty rather than protection, such as saying '我需要保险' (I need insurance) when discussing non-insurance matters. Remember that while it can relate to being 'sure', its primary meaning is about protection against risks.
HSK Study Tips
As an HSK Level 5 word, 保险 connects with other financial vocabulary such as 理财 (lǐcái, financial management) and 投资 (tóuzī, investment). Focus on understanding its use in various contexts, especially in discussions about health and financial security.
Cultural Note
In Chinese culture, the concept of insurance is increasingly important as society modernizes, with more people recognizing the need for financial security against health issues and accidents. The rise of health insurance reflects changing attitudes towards personal responsibility and risk management.
Common Mistakes
Learners often confuse 保险 with 保障 (bǎozhàng), which means to guarantee or ensure. For example, saying '我买了保障' (I bought a guarantee) instead of '我买了保险' (I bought insurance) can lead to misunderstandings.
AI-enhanced 2026-03-24
Pronunciation of 保险
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Grammar Patterns of 保险
保险 functions as a noun — it names a person, place, thing, or concept. Place it as a subject before the verb (主+谓) or as an object after the verb (谓+宾). Most Chinese nouns require a measure word between the number and the noun (e.g. 一个/三本). It carries 6 related meanings, each with its own usage notes below. The example sentences below show it in action, with practice buttons (Listen, Practice Writing, Practice Speaking) on every line.
Exercise 1 of 4
Complete the Sentence
类似劳埃德____公司的那些丑闻令伦敦名声扫地。
The City's reputation has been sullied by scandals like those at Lloyd's.
Example Sentences for 保险 (10)
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1
类似劳埃德保险公司的那些丑闻令伦敦名声扫地。
lèi sì láo āi dé bǎo xiǎn gōng sī de nà xiē chǒu wén líng lún dūn míng shēng sǎo dì。
The City's reputation has been sullied by scandals like those at Lloyd's.
2
他是管理劳埃德保险公司的执行委员会成员。
tā shì guǎn lǐ láo āi dé bǎo xiǎn gōng sī de zhí háng wěi yuán huì chéng yuán。
He sits on the executive committee that manages Lloyds.
3
无迹象表明向客户售出了不适用的保险。
wú jì xiàng biǎo míng xiàng kè hù shòu chū le bù shì yòng de bǎo xiǎn。
There is no suggestion that clients have been sold inappropriate policies.
4
在保单有效期内，所缴纳的保险费是有保障的。
zài bǎo dān yǒu xiào qī nèi， ， suǒ jiǎo nà de bǎo xiǎn fèi shì yǒu bǎo zhàng。
Premiums are guaranteed throughout the term of the policy.
Many manufacturers have policies to protect themselves against blackmailers.
Cultural Notes for 保险
🏮Cultural insight
In Chinese culture, the concept of insurance is increasingly important as society modernizes, with more people recognizing the need for financial security against health issues and accidents. The rise of health insurance reflects changing attitudes towards personal responsibility and risk management.
Frequently Asked Questions about 保险
保险 (bǎoxiǎn) specifically refers to insurance or protection against financial risks, while 安全 (ānquán) means safety or security in a broader sense.
Generally, 保险 is used in financial contexts; using it for non-financial assurance can lead to confusion.
The correct pronunciation is bǎo (3rd tone) and xiǎn (3rd tone), which can often be tricky because both are in the third tone.
