How to describe medical symptoms in English?

Of course. Can I have your policy number and the date of your medical visit?

好的。请提供您的保单号和就诊日期。

Thank you. Your policy covers medical expenses up to $50,000 with a $100 deductible. So you'll pay the first $100, and we'll reimburse the remaining $185. Do you have all the original receipts and the doctor's report?

谢谢。您的保单覆盖最高5万美元的医疗费用，有100美元的免赔额。所以您自付前100美元，我们报销剩余的185美元。您有所有的原始收据和医生报告吗？

You can submit them through our app or website. Just upload photos of all receipts, the doctor's report, and the claim form. Make sure everything is clear and legible. Processing usually takes 5 to 10 business days.

您可以通过我们的App或网站提交。上传所有收据、医生报告和理赔表的照片就行。确保内容清晰可读。处理通常需要5到10个工作日。

We can do a direct bank transfer. You'll just need to enter your bank details in the claim form — account number, routing number if it's a US bank, or your SWIFT code for international transfers. Is there anything else I can help with?

我们可以直接银行转账。您只需要在理赔表里填写银行信息——如果是美国银行就填账户号和routing number，国际转账的话填SWIFT代码。还有什么需要帮忙的吗？

No, the deductible is per policy period, not per visit. Since you've already met the $100 deductible, any additional covered medical expenses during this trip will be reimbursed in full, up to your policy limit.

不会，免赔额是按保单周期算的，不是按每次就诊。既然您已经达到了100美元的免赔额，这次旅行中任何额外的承保医疗费用都会全额报销，直到保单上限。

Of course. What's your policy number? I'll pull up your coverage details.

当然。您的保单号是多少？我来调出您的保障详情。

Let me check... Your policy covers specialist visits if you're referred by a general practitioner. So you'd need to see a GP first, and if they refer you to a dermatologist, that visit would be covered. Without a referral, you'd have to pay out of pocket.

我查一下……您的保单覆盖专科就诊，但需要全科医生的转介。所以您需要先看全科医生，如果他们转介您去皮肤科，那次就诊就可以报销。没有转介的话，需要自费。

Dental is covered only for emergency treatment — like your chipped tooth, an abscess, or severe pain. Routine cleanings are not covered. Vision is not included in your plan. For the chipped tooth, you should see a dentist and keep all receipts. That would qualify as emergency dental care.

牙科只覆盖紧急治疗——比如您的磕牙、脓肿或剧烈疼痛。常规洗牙不包含。眼科不在您的计划内。磕掉的牙建议去看牙医，保留所有收据。这属于紧急牙科护理，可以理赔。

Your policy has a $50,000 limit for medical expenses, a $5,000 limit for emergency dental, and $500 for emergency evacuation per incident. There's also a 24-hour emergency hotline — if something serious happens, call us first and we can direct you to an approved hospital.

您的保单医疗费用上限为5万美元，紧急牙科上限5千美元，紧急救援每次事件上限500美元。还有24小时紧急热线——如果发生严重情况，先打电话给我们，我们可以指引您去指定医院。

Absolutely. I'll send a coverage summary and a pre-authorization letter to your email right away. The letter will confirm that your insurance is active and list what's covered. Most doctors accept this as proof of insurance.

当然。我马上把保障摘要和预授权信发到您的邮箱。信函会确认您的保险有效，并列出覆盖项目。大多数医生接受这个作为保险证明。