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Whatever the final bill, some Lebanese insurers will struggle to pay it.
不管最終賬單是多少，一些黎巴嫩保險公司將將難以支付。
Written premiums fell by 4% in 2019 as an economic crisis forced some policyholders to drop their coverage.
由于經濟危機迫使一些投保人減少了他們的保險范圍，2019年的承保保費下跌4%。
This year has been worse. Several insurers are subsidiaries of the country's insolvent banks.
今年更加糟糕。幾家保險公司是該國倒閉銀行的子公司。
Arope, one of the ten biggest non-life insurers, is owned by Blom, Lebanon's second-largest bank, which saw net profits fall 77% last year.
Arope是十大非壽險公司之一，隸屬于黎巴嫩第二大銀行Blom，該銀行去年的凈利潤下降了77%。
Other lenders in the country, such as Byblos and Credit Libanais, also offer insurance products.
該國其他銀行，如Byblos和Credit Libanais，也提供保險產品。
Foreign reinsurers will be stuck with part of the bill. Hannover Re expects to book a "major loss", an event with more than 10m euros ($11.8m) in claims.
國外再保險公司將不得不承擔部分費用。漢諾威再保險預計將計入“重大損失”，索賠金額超過1000萬歐元（1180萬美元）。
Sven Atloff, a member of its board, says it is still impossible to tell whether the total cost will be in the low tens of millions of euros, or even exceed 100m euros.
其董事會成員Sven Atloff表示，目前還無法確定總成本是否會在數千萬歐元以下，或者甚至超過1億歐元。
The firm's net income was already down by 39% in the first half of 2020 because of covid-related losses. Munich Re also expects a sizeable hit.
受新冠疫情影響，該公司的凈收入在2020年上半年已經下降了39%。慕尼黑再保險公司預計也會受到相當大的沖擊。
For Lebanese firms there is an added wrinkle: whether they can get the cash to pay claims, many of which must be paid in dollars.
對黎巴嫩的公司而言，還有一個問題：不管他們有沒有現金支付索賠，其中很多都必須以美元來支付。
(Though still officially pegged to the greenback, the Lebanese pound has lost 80% of its value on the black market in recent months.)
（盡管黎巴嫩鎊仍然與美元掛鉤，但近幾個月來在黑市上其已經貶值了80%。）
A banking crisis that began in October has left dollars scarce; foreign currency withdrawals are tightly restricted.
10月份開始一場銀行業危機使得美元稀缺；外匯取款受到嚴格限制。
The central bank may have to stop subsidising wheat and fuel imports in November because it is close to its minimum required reserves.
央行或許不得不在11月停止對小麥和燃料進口的補貼，因為其已經接近了該國最低儲備金。
Several policyholders say their insurers have offered to pay them with bank cheques, which can still be freely deposited.
一些投保人表示，他們的保險公司已經提出用銀行支票支付，這些支票仍然可以自由存儲。
But the cheques lose up to two-thirds of their value once withdrawn from banks in devalued local currency,
但一旦這些支票以貶值的本國貨幣從銀行取出，其價值就會損失至多三分之二，
typically converted at a "quasi-official" rate, and converted to dollars on the black market.
這些支票通常以“ 半官方”匯率兌換，并在黑市上兌換成美元。
After months or years of delay, the policies of many of the blast's victims may give them a payment barely worth the paper they are written on.
經過數月或數年拖延后，很多這場爆炸的受害者的保險單給他們的賠償或許僅相當于這張紙的價值。
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