Chinese phrase
保险覆盖〜吗？ báo xiǎn fù gài 〜 ma
Meaning
Does insurance cover ___?
When to use it
Asks whether insurance covers a loss or cost. This polite question checks what a policy includes.
Example dialogue
我想问一下这份留学 保险覆盖 行李丢失 吗？ wǒ xiǎng wèn yí xià zhè fèn liú xué báo xiǎn fù gài xíng lǐ diū shī ma
Excuse me, does this study abroad insurance cover lost luggage?
一般会有行李险，但具体赔付要看保单条款。 yì bān huì yǒu xíng lǐ xiǎn dàn jù tǐ péi fù yào kàn bǎo dān tiáo kuǎn
Baggage insurance is usually included, but the payout depends on the policy terms.