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coinsurance
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共同保险
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详细解释：
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以下为句子列表：
英文: If you have a coinsurance policy, you're responsible for paying a percent of the costs.
中文: 如果您有投保共同保险，您就得负担一定比例的费用。
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英文: The coinsurance means to be shared the risk in the insurance policy together by a few insurance companies.
中文: 共同保险是指由几家保险公司共同分担保险单中的风险。
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