掛(か)け捨(す)て

かけすて
noun
term insurance; non-refundable (insurance)
1. term insurance; non-refundable insurance
A type of insurance where premiums are paid but no money is returned if no claim is made during the coverage period. The premiums are essentially "thrown away" if the insured event does not occur.
掛(か)け捨(す)ての保険(ほけん)に入(はい)った。
I signed up for term insurance.
掛(か)け捨(す)て型(がた)は保険料(ほけんりょう)が安(やす)いのが魅力(みりょく)だ。
The appeal of the non-refundable type is that the premiums are low.
貯蓄(ちょちく)型(がた)と掛(か)け捨(す)て型(がた)の保険(ほけん)、どちらがいいか迷(まよ)っている。
I'm torn between savings-type and term-type insurance.

Literally means "pay and throw away" — from 掛(か)ける (to pay/wager) and 捨(す)てる (to throw away). Refers to insurance policies where premiums are not refunded if the policy term ends without a claim. The trade-off is lower monthly premiums compared to savings-type policies.

COMMON COLLOCATIONS:

  • 掛(か)け捨(す)て型(がた): non-refundable type (insurance)
  • 掛(か)け捨(す)ての保険(ほけん): term/non-refundable insurance
  • 掛(か)け捨(す)て保険(ほけん): term insurance
  • 掛(か)け捨(す)てにする: to go with the non-refundable option

INSURANCE TYPES:

  • 掛(か)け捨(す)て型(がた): term (non-refundable) — lower premiums, no cash value
  • 貯蓄(ちょちく)型(がた): savings type — higher premiums, builds cash value
  • 積立(つみたて)型(がた): accumulation type — similar to savings type

RELATED TERMS:

  • 保険料(ほけんりょう): insurance premium
  • 生命保険(せいめいほけん): life insurance
  • 満期(まんき): maturity, end of term
  • 解約返戻金(かいやくへんれいきん): surrender value, cancellation refund
general
Added 2026.4.8 16:49
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