新概念英语第三册Lesson42课里，某地方当局为打捞一只巨大的馅饼盘子而提出保险索赔，这真是罕见的新鲜事。不过正所谓没有最怪只有更怪，本期文化大爆炸节目就带你去看看国外一些奇奇怪怪的保险!

　　Crazy insurance covers

　　你意想不到的保险

　　Most people take out insurance out on their car, house and health. Some celebrities and sports people take out insurance on their bodies as it is their livelihood. There are many people who wish to take out insurance on ridiculous things and what's more ridiculous is the fact that some insurance companies allow it.

　　绝大多数人会为车房以及健康购买保险。有些名人和体育界人士会为自身的某些部位投保，因为那是他们的生计来源。还有很多人想要给一些荒唐可笑的东西投保，而更加荒唐可笑的是居然真有保险公司愿意承保。

　　Here's a list of some of the strangest things people take out insurance on.

　　下面列出了部分最奇异的保险。

　　Twins insurance

　　双胞胎保险

　　If you are expecting an addition to your family you may be interested in twin insurance. It insures you against additional costs with having more than one child but most insurers demand the insurance be in place before you reach 12 weeks or have a scan.

　　如果你家准备添丁，或许会对双胞胎保险感兴趣哦。此保险会在出生宝宝数超过1个时赔付，为家庭免去多个孩子所带来的额外费用。不过大多数保险公司会要求临产12周前进行投保，或者在扫描检查之前投保。外星人绑架险

　　Alien abduction insurance

　　外星人绑架险

　　If you ever worry about being abducted by aliens then this policy is for you. Insurance companies will pay out if you can prove you have been abducted and returned to earth. Some companies even cover forimpregnation by aliens.

　　如果你曾担心被外星人抓走，那么这个保险适合你哦。只要你有证据证明你被外星生物绑架然后返回了地球，那么保险公司会对你进行赔付。有些公司甚至会对外星生物造成的受孕进行保险。幽灵险

　　Spooksafe insurance

　　幽灵保险

　　This insurance covers people for receiving trauma by the hands of ghosts. The policy also covers you for up to £1 million if you can prove you had been transformed into a vampire or werewolf.

　　这个保险的范围是因为幽灵而受到创伤的人。如果你能证明自己被变成了吸血鬼或者狼人，就可以得到最高100万英镑的保险金。赎金险

　　Ransom insurance

　　赎金保险

　　Some people take out ransom insurance. This protects their family from the effects of kidnapping. It covers the ransom being demanded and also the delivery cost.

　　有人会投保赎金险。这个险将保护他们的家庭不受绑架所带来的后果影响。赔付包含赎金以及赎金的运送费用。无原罪受孕险

　　Conceiving immaculately insurance

　　无原罪受孕险

　　Several years ago, three religious sisters from Scotland insured themselves against "conceiving immaculately". A British Insurance company provided them with £1 million worth of cover, should one of them turned out to be carrying the second coming. There was harsh criticism of a policy that was designed to cover the cost of bringing up a second Jesus. The Catholic Church was less than impressed and the insurance policy was withdrawn.

　　数年前，3个来自苏格兰的信教姐妹给自己投保了“无原罪受孕险”(指的是像圣母玛丽亚一样受孕怀上耶稣基督)。一家英国保险公司给她们提供了保险，如果他们中的任何一人怀上了耶稣，保险公司将赔付100万英镑(她们相信在世界末日到来之际将会“基督复临”)。有评论对此险进行了严厉的批评，认为不应当拿抚养第二个耶稣的费用来做保险。天主教对该保险不甚满意，而它最终也被撤销了。

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（编辑：何莹莹）