自从2010年，美国的保险费金额激增了9%。
预约保险合同应当订明预约的保险责任范围、保险财产范围、每一保险或一地点的最高保险金额、保险费结算办法等。
The open cover shall stipulate the scope of cover, the range of property insured, the maximum amount of insurance each risk or at each place and the method of settling premium, etc.
如果一个人一年所花保险费低于设定金额，可得到部分退款。
If people use less than a preset amount of care in a given year, they get a partial refund.
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