coinsurance

詳細解釋：

co.in.sur.ance

n.（名詞）
Insurance held jointly by two or more insurers.
共同擔保：由兩個或更多的承保人聯合給予保險
A form of insurance in which a person insures property for less than its full value and agrees to be responsible for the difference.
共同保險：一種擔保形式，一人保證得到少於全值的財產，並同意對差值負有責任