Insurance Terms in Plain Words
Added 2026-10
Insurance Terms in Plain Words — Chinese original prompt
下面是我要买的 [险种] 条款关键段落：[粘贴条款]。请逐条翻成一句人话：这一条在什么情况下会拒赔、什么情况下能赔、我需要做什么才不吃亏。重点标出等待期、免赔额、既往症、医院范围、续保条件。仅作参考，不构成投保建议，需专业人士复核。
Site original
Chinese original
Example
Sample input
要买一份医疗险，条款关键段落贴在下面，帮我逐条翻成人话，重点看等待期和既往症。
The output should include
- 每条翻成一句人话说明赔不赔
- 重点标出等待期、免赔额与既往症
- 仅作参考，不构成投保建议
Replace these placeholders 2
Swap the bracketed parts for your own details before sending.
[险种][粘贴条款]
How to use
只信条款原文，销售说的「都能赔」不算数，聊天记录留好。
Try tweaking it
- Ask for a checklist and timeline, marking which parts need a professional.
- Replace "what should I do" with "which three things first, and when".
What you should get
- An ordered action list with deadlines
- What must be confirmed with a professional or official channel
Common mistakes
- Using it as the doctor or lawyer and acting on the answer directly.
- Taking a single conclusion without asking about preconditions or real costs.
How to check the output
- It gives an order of steps and a decision deadline.
- It flags what must be confirmed with a doctor, lawyer or official channel.
Where it works
- Good for: turning everyday decisions into checklists and timelines, flagging what needs a professional.
- Watch out: health, insurance and legal output is reference only — confirm with a doctor, broker or lawyer.