Premium當名詞有多種意思，一是當成名詞「保險費;保費」。例句:
Car insurance premiums have increased this year.
今年汽車保險費漲了。
Health insurance premiums have increased this year.
今年健康保險費漲了。
My company deducts the monthly premium for my health insurance from my check every month
我的公司從我的薪水每個月扣掉我的健保費
The premium for third party moto insurance might go up next year
機車的第三方責任險的保費明年可能增加
Premium也可以指「高出一般行情的價格」，所以如果你想要表達「付出更高的價錢來買什麼東西」，你可以用pay a premium for something。例句:
Health-conscious customers are often willing to pay a premium for organically grown vegetables
有健康意識的消費者通常願意付出更高的價錢來買有機蔬菜
Some people are willing to pay a premium for luxury brands
有些人願意付出更高的價錢來買名牌奢侈品
Rich people are willing to pay a premium to live close to cities.
有錢人願意付出更高的價錢來住在城市
There is a premium for hotel rooms that have views of the beach. = There is a higher price for hotel rooms that have views of the beach
有海景的飯店房間要價更高
Be at a premium 形容「物品數量很少很珍貴或難以取得」。例句:
Space on aircrafts is at a premium, so you need to pay a lot if you want to fly business class
空間在飛機上是很珍貴的，所以如果你想飛商務艙你必須要花很多錢)
Land in a crowded city is at a premium
土地在擁擠的城市是很珍貴的且不好取得
Premium的最後一種常見用法是作為形容詞，意思是：高檔的、高級、優質的。如：premium brand（高檔品牌）, premium beers（優質啤酒），premium granulated sugar（優質白砂糖），premium gasoline（高質量汽油）。舉個大家可能更熟悉的例子：微軟的Windows操作系統分為不同版本，除了Home（家庭）、Professional（專業）、還有一個Premium Edition（可翻譯為“旗艦版”、或“高級版”，也就是其功能更為強大，當然收費也更高）
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