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【本期内容】
9 weird types of insurance you never knew existed
9种你可能从来不知道存在的奇怪保险
Like most folks, your auto, health, home and life insurance coverage are the standard policies you need in place to protect you against most of the unexpected. But when you think about it, do they necessarily cover every single risk life may throw your way?
和大多数人一样，你的汽车、健康、家庭和人寿保险是你需要的标准保单，可以保护你免受大多数意外情况的影响。但仔细想想，它们一定涵盖了生活中可能给你带来的每一个风险吗？
Have you laid awake at night wondering what you’d do if you were abducted by aliens?
你有没有晚上睡不着，想知道如果你被外星人绑架了会怎么办？
You might be deathly afraid of having your house haunted by ghosts, or infested with bedbugs.
你可能会非常害怕你的房子被鬼魂闹鬼，或者被臭虫侵扰。
You might be fearful that your soon-to-be-betrothed will change their mind about marrying you - or that you might get cold feet yourself.
你可能担心你即将订婚的人会改变与你结婚的想法，或者你自己可能会退缩。
You could be worried that your drunk friends might cause damage to your property.
你可能会担心你喝醉的朋友可能会对你的财产造成损害。
And in the event you and your spouse have budgeted to have one child, what do you do when you have surprise triplets - and, if one of them is the second coming of Jesus Christ?
如果你和你的配偶已经计划好要一个孩子，当你有了惊喜的三胞胎时，你会怎么办？如果其中一个是耶稣基督的第二次降临呢？
Believe it or not, there’s been an insurance claim for each and every one of these rare scenarios. And these aren’t even the strangest. Take a look below at some of the most bizarre, weirdest insurance policies we learned about.
信不信由你，每一种罕见的情况都会有保险索赔。这些甚至都不是最奇怪的。看看下面我们了解到的一些最离奇、最奇怪的保险。
1. Wedding insurance (婚礼保险)
"Wedding insurance" is actually a trio of products that you might consider saying "I do" too. It primarily protects against financial losses if you need to cancel the event due to a natural disaster or personal tragedy, like a death in the family. Another part of this policy is liability protection if your ceremony is held outside a traditional venue, protecting against severe weather, injuries or mishaps; and alcohol liability if the location or caterer doesn’t already have it. According to insurer AllState, some policies also cover cancellation of a couple’s honeymoon.
“婚礼保险”实际上是三重产品，你也可以考虑说“我愿意”。如果您因自然灾害或个人悲剧（如家人死亡）而需要取消活动，它主要保护您免受经济损失。该政策的另一部分是意外保险，如果您的仪式在传统场地外举行，可防止恶劣天气、伤害或事故；以及醉酒保险，如果酒店或餐饮服务商还没有提供的话。根据保险公司AllState的说法，一些保单还涵盖新婚夫妇夫妇蜜月的取消。
2. Change of heart or cold feet insurance (改变主意或退缩保险)
If you don’t even get to exchange your nuptials, i.e. the bride or groom decides that "for better or for worse" is being better off without each other, you can get insurance coverage for the sudden change of plans. Often called change of heart or cold feet coverage, this policy covers the costs of the wedding (the average cost is estimated at $26,645), since guests, caterers, venue rentals, wedding dress and florist costs can run high. Take note that it doesn’t cover getting stood up at the altar at the last minute; you’ll need to cancel the wedding a full year in advance, and only the bride or groom’s parents get financially reimbursed, not the newly minted exes.
如果你甚至无法交换戒指，也就是说，新娘或新郎决定“无论好坏”都是在没有对方的情况下过得更好，你可以为计划的突然变化投保。这项政策通常被称为“改变主意或退缩保险”，涵盖了婚礼的费用（平均费用估计为26645美元），因为宾客、餐饮服务商、场地租赁、婚纱和花店的费用可能很高。请注意，这并不包括在最后一刻站在祭坛前；你需要提前一年取消婚礼，只有新娘或新郎的父母才能获得经济补偿，而不是刚结婚的前任们。
3. Alien abduction insurance (外星人绑架保险)
In the event you’re paranoid about having a close encounter with the third kind, you may be able to land an insurance policy safeguarding you against a UFO or alien abduction. It seems to be pretty popular in Europe, where one U.K.-based insurer has sold more than 30,000 such policies across the continent. Premiums can be high — up to $150 per month for $1.5 million in total coverage, according to sources. You should note that most of these policies may just be elaborate jokes — one man in Florida sells a parody policy for a flat payment of just $9.95, for example. Regardless of whether or not the policy is satire, you’ll need to show proof that the flying saucer – and the little green men who poked and prodded you – were, in fact, real in order to collect your damages.
如果你偏执于与第三种人近距离接触，你可能会获得一份保险单，保护你免受不明飞行物或外星人绑架。这在欧洲似乎很受欢迎，一家总部位于英国的保险公司已经在欧洲大陆销售了30000多份此类保单。据消息人士透露，保费可能很高——总保险金额为150万美元，每月最高可达150美元。你应该注意到，这些政策中的大多数可能只是精心策划的笑话——例如，佛罗里达州的一名男子以9.95美元的固定付款出售一份荒诞的保险。不管这项保险是否具有讽刺意味，你都需要出示证据，证明飞碟——以及在你身上戳戳点点的小绿人——实际上是真实的，才能收回你的损失。
4. Lottery insurance (彩票保险)
Say you own a small business and a bunch of your employees and colleagues entered a lottery pool. They all hit the jackpot, and then resign, on the spot, telling you to take your job and shove it you-know-where as they split for greener pastures with their millions in winnings. Just in case this happens and your staff goes all mutinous on you, companies in the United Kingdom can take out what’s coined a "lottery" insurance policy, protecting against financial losses stemming from a loss in productivity and the costs to interview, rehire, hire temp workers, etc.
假设你拥有一家小企业，你的一群员工和同事都买了彩票。他们都中了大奖，然后当场辞职，告诉你来接手工作，甩手不管，因为他们带着数百万的奖金分道扬镳，寻找更好的去处。为了防止这种情况发生，防止你的员工对你不忠，英国的公司可以购买所谓的“彩票”保险，以防止因生产力下降以及面试、重新雇佣、雇佣临时工等成本而造成的经济损失。
5. Multiple birth insurance (多胞胎保险)
Soon-to-be-parents can’t really be surprised with quadruplets anymore, since ultrasounds and advanced medical technologies can prepare you well in advance. That doesn’t make mothers and fathers any more prepared financially for a bundle of joy delivered from Mr. Stork. So, you may consider buying a multiple - or twin - birth insurance policy, which requires you to buy your premium at the time of pregnancy; if twins or more are the result, the policy pays out in cash accordingly to compensate for the extra costs that extra babies bring. (There’s also an infertility insurance to compensate for out-of-pocket expenses associated with in-vitro fertilization and other medical procedures.)
即将成为父母的人再也不会对四胞胎感到惊讶了，因为超声波和先进的医疗技术可以让你提前做好准备。这并没有让母亲和父亲们在经济上为鹳先生（迪斯尼动画角色）带来的快乐做好更多准备。因此，你可以考虑购买多胞胎或双胞胎出生保险，该保险要求你在怀孕时购买保费；如果结果是双胞胎或更多，保单会相应地以现金支付，以补偿额外婴儿带来的额外费用。（还有不孕不育保险，用于补偿与体外受精和其他医疗程序相关的自付费用。）
6. Bed bug insurance (臭虫保险)
Renters and homeowners insurance policies are pretty comprehensive. But they don’t protect you against that most invasive and unwelcome of houseguest: bed bugs. It can cost more than $1,000 to get them exterminated from your domicile. That’s not counting the costs to replace an infested mattress! You may consider adding bed bug insurance to your existing renters or homeowners insurance policy; and if you’re a frequent traveler, you can add travel coverage to your rider, since most of the pesky pests are picked up outside the home.
租房者和房主的保险政策相当全面。但它们并不能保护你免受最具侵略性和最不受欢迎的房客“臭虫”的侵害。将它们从你的住所中灭绝可能需要1000多美元。这还不包括更换受感染床垫的费用！你可以考虑在现有的租房者或房主保险单中增加臭虫保险；如果你是一个经常旅行的人，你可以为你的交通工具增加旅行保险，因为大多数讨厌的害虫都是在家外感染的。
7. Food truck insurance (食品车保险)
There are good food trucks and bad ones, but these mobile greasy spoons need insurance coverage, too. Not to be confused with restaurant insurance, food truck insurance - or, for the gourmands, "food service vehicle insurance" - protects against liabilities like foodborne illness, personal injury or other damages. When you think of it, it’s a pretty sound idea, considering how one major kitchen fire can vanish your lone food truck, and your entire business, up in smoke.
有好的食品车也有坏的，但这些移动式油腻勺子也需要保险。不要与餐馆保险、食品卡车保险混淆，或者对美食家来说，“食品服务车辆保险”保护他们免受食源性疾病、人身伤害或其他损害等可能性。当你想到这一点时，考虑到一场厨房大火如何会让你唯一的食品车和你的整个生意化为乌有，这是一个非常好的想法。
8. Body part insurance (身体部位保险)
Actors, singers, athletes and entertainers get paid big bucks to do what they do, so it seems likely that they’ll want to insure the asset(s) that make them rich and famous in the first place, since their careers would be nothing without them. For example, Bruce Springsteen once insured his voice for $6 million. Supermodel Heidi Klum covered her leggy gams with an insurance policy worth more than $2.2 million. Gene Simmons allegedly had his freakishly long, trademark tongue insured for $1 million during Kiss’ '70s heyday. And former NFLer Troy Polamalu also once had his Samson-length locks insured for more than a cool million bucks when he signed an endorsement deal with Head & Shoulders. That’s not counting the cadre of athletes who’ve taken out multi-million-dollar policies if they’re sidelined or injured and can’t play. Most of the time, it’s actually just a normal long-term disability policy that everyone, even non-athletes, should buy (though with much smaller coverage amounts).
演员、歌手、运动员和艺人做他们所做的事情都会得到大笔报酬，所以他们很可能会想为最初让他们变得富有和出名的资产投保，因为没有他们，他们的职业生涯将一事无成。例如，布鲁斯·斯普林斯汀曾为自己的声音投保600万美元。超模海蒂·克拉姆为她的长腿游戏投保了价值超过220万美元的保险。据称，吉恩·西蒙斯在Kiss 70年代的鼎盛时期为他那超长的、标志性的舌头投保了100万美元。前国家橄榄球大联盟球员特洛伊·波拉马鲁在与海飞丝签署代言协议时，也曾为他的参孙长发投保了超过一百万美元的保险。这还不包括那些在缺席或受伤无法比赛的情况下投下数百万美元保险的运动员。大多数时候，这实际上只是一项正常的长期残疾保险，每个人，即使是非运动员，也应该购买（尽管保险金额要小得多）。
9. Chicken insurance (鸡宠保险)
Most of us are content with having a dog or cat. Then there are the odd ducks who want to have, well, ducks, chickens, cows, pigs, mice or other farm-appropriate animals as pets in a residential setting. Most pet insurance policies will cover costly medical expenses and costs of care for felines and canines, but what about the rest? Rest assured, alternative pet owner, some private insurance companies do offer livestock insurance.
我们大多数人都满足于养狗或猫。还有一些怪人，他们想在住宅环境中饲养鸭子、鸡、牛、猪、老鼠或其他适合农场的动物作为宠物。大多数宠物保险将涵盖昂贵的医疗费用以及猫和犬科动物的护理费用，但其他的呢？请放心，另类宠物主人，一些私人保险公司确实提供牲畜保险。
No matter what you’re afraid is going to happen to you in life, there’s an insurance policy that will cover you. Whether it’s something common, like the fear of losing the ability to work or the fear of dying young, or something a little more out there, insurance has you covered.
无论你担心生活中会发生什么，都有一份保险单为你投保。无论是常见的事情，比如害怕失去工作能力或害怕英年早逝，还是其他一些事情，保险都为你提供了保障。
【Source】www.policygenius.com
【Translated by】Spark Liao (廖怀宝)
【Illustration】From Bing
