Russian Translation(s) & Details for 'insurance'

English Word: insurance

Key Russian Translations:

• страхование /strɐxəˈvanʲɪje/ - [Formal, Used in financial and legal contexts]

Frequency: High (Commonly used in everyday business, legal, and financial discussions in Russian-speaking contexts)

Difficulty: B2 (Intermediate, as it involves specialized vocabulary; learners at this level should understand basic financial terms, but mastering inflections requires practice)

Pronunciation (Russian):

страхование: /strɐxəˈvanʲɪje/

Note on страхование: The stress falls on the fourth syllable (-va-), which can be tricky for English speakers due to the soft 'н' sound represented by 'нʲ'. Pronunciation may vary slightly in fast speech.

Audio: []

Meanings and Usage:

Primary Meaning: Financial protection against risks, such as health, property, or life events.

Translation(s) & Context:

• страхование - Used in formal contexts like contracts, policies, or discussions about risk management in business or personal finance.

Usage Examples:

• Я оформил страхование на свой автомобиль, чтобы защитить его от аварий. (Ya oformil strakhovanie na svoy avtomobil, chtoby zashchitit' ego ot avariy.)

  I took out insurance on my car to protect it from accidents.

• В России обязательное медицинское страхование покрывает базовые услуги здравоохранения. (V Rossii obyazatel'noye meditsinskoye strakhovanie pokryvayet bazovye uslugi zdravookhraneniya.)

  In Russia, mandatory medical insurance covers basic healthcare services.

• Страхование жизни помогает семьям в случае потери кормильца. (Strakhovanie zhizni pomogayet sem'yam v sluchaye poteryi kormiltsa.)

  Life insurance helps families in the event of losing the breadwinner.

• Без надёжного страхования путешествия могут стать рискованными. (Bez nadyozhnogo strakhovaniya puteshestviya mogut stat' riskovannymi.)

  Without reliable travel insurance, trips can become risky.

• Компании часто предлагают страхование для сотрудников как часть пакета льгот. (Kompanii chasto predlagayut strakhovanie dlya sotrudnikov kak chast' paketa l'got.)

  Companies often offer insurance to employees as part of their benefits package.

Russian Forms/Inflections:

"Страхование" is a neuter noun in Russian, which means it follows the standard declension patterns for neuter nouns ending in -ие. It is a second-declension noun and changes based on case and number. Below is a table outlining its key inflections:

Note: This noun does not have irregular forms, making it relatively straightforward for learners, but pay attention to the soft ending in certain cases.

Russian Synonyms/Antonyms:

• Synonyms:
  • обеспечение (obespechenie) - More general, implying provision or security, often used interchangeably in non-financial contexts.
  • защита (zashchita) - Emphasizes protection, with a slight nuance towards defense rather than financial coverage.
• Antonyms:
  • риск (risk) - Directly opposes the concept of insurance by representing uncertainty or danger.
  • незащищенность (nezashchishchennost') - Implies vulnerability or lack of protection.

Related Phrases:

• Медицинское страхование (Meditsinskoye strakhovanie) - Health insurance; commonly used for coverage of medical expenses.
• Автомобильное страхование (Avtomobil'noye strakhovanie) - Car insurance; essential for vehicle owners in Russia.
• Страховой полис (Strakhovoy polis) - Insurance policy; refers to the formal document outlining coverage.

Usage Notes:

In Russian, "страхование" directly corresponds to "insurance" in English but is often used in more formal or official contexts, such as legal documents or government services. It is a countable noun in plural forms when referring to multiple types (e.g., various policies). When choosing between synonyms like "обеспечение," opt for "страхование" in financial discussions to maintain precision. Be mindful of grammatical gender and case agreements, as it must align with adjectives or verbs in sentences. For English learners, practice with real-world scenarios like buying insurance to grasp its contextual usage.

Common Errors:

• Common Error: Confusing the genitive case, e.g., saying "страхование компании" instead of "страхования компании" (meaning "the company's insurance").

  Correct Usage: страхования компании - This ensures proper case agreement.

  Explanation: English speakers often overlook Russian case requirements, leading to grammatical errors that make sentences sound unnatural.

• Common Error: Using "страхование" interchangeably with "защита" in all contexts, which can dilute meaning.

  Correct Usage: Stick to "страхование" for financial protection and "защита" for general defense.

  Explanation: While related, these words have subtle differences; misuse can confuse native speakers in professional settings.

Cultural Notes:

In Russia, insurance (страхование) is deeply tied to state-provided services, such as mandatory health insurance under the national healthcare system. This reflects the country's Soviet legacy, where social welfare was emphasized, making insurance more of a communal obligation than an individual choice. Understanding this cultural context helps English speakers appreciate why Russians might view insurance as a government-backed safety net rather than purely a private market product.

Related Concepts:

• банковские услуги (bankovskiye uslugi) - Banking services
• финансовый риск (finansovyy risk) - Financial risk
• медицинская помощь (meditsinskaya pomoshch') - Medical assistance