coinsurance :n.共同保险(金)
compensation :n.赔偿
co-payment :n.定额手续费
deductible :n.自负额
escape clause :免责条款
exclusion :n.排除给付
out-of-pocket :a.自掏腰包的
payout :n.保险给付额
validity :n.正当性；有效性