With an excess, the insured would tend to be more careful because if a claims occur, the insured also has to be out of pocket and contribute towards the claim.

以多、被保险人会更小心的，因为如果发生索赔现象，被保险人也必须从口袋里，用于索赔。

youdao

They think Banks were overpaid for the risks they took. Issues were priced as much as 40% below market prices so stocks would have had to plunge before Banks would be out of pocket.

可次级承销商也在抱怨分得的战利品没有随之增加，因为他们认为投资银行对自身承担的风险漫天要价——那时发行价格低于市场价格的40%，这样，在投资银行血本无归之前，股票市场就不得不跳水了。

youdao

You don't know when or whether you'll need treatment - but if you do, treatment can be extremely expensive, well beyond what most people can pay out of pocket.

你不知道什么时候会生病，或会否会生病，但如果你病了，诊疗费用将会非常昂贵——远远超出大多数人所能承受的数额。

youdao

Customs and Excise would be out of pocket, with little or no chance of recovering the VAT to match the refund.

BBC: Shahid Ramzan

The premise is that councils won't be out of pocket with this.

BBC: Edinburgh to house asylum seekers

Of course Pfizer will take a deduction--but even with the tax benefit, it will almost certainly be out of pocket for making pills and giving them away.

FORBES: Doing badly by doing good