bonus / premium
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bonus
An additional financial reward or bonus that is paid for special performance, loyalty, or as an incentive.
Die Mitarbeiter erhielten am Jahresende eine Prämie für ihre hervorragende Arbeit.
At the end of the year, the employees received a bonus for their outstanding work.
premium
The regular amount of money that you pay to an insurance company in order to receive insurance coverage.
Die Prämie für meine Autoversicherung ist dieses Jahr leider gestiegen.
The premium for my car insurance has unfortunately gone up this year.
premium
In finance, the surcharge on the face value of a security or currency; also referred to as agio or premium.
Die neue Anleihe wurde mit einer Prämie von zwei Prozent über ihrem Nennwert ausgegeben.
The new bond was issued at a premium of two percent above its face value.
The meaning of 'Prämie' (bonus/premium) depends strongly on the verb. If you receive or get a 'Prämie', it is a reward (bonus). If you pay or remit a 'Prämie', it is the contribution for an insurance policy.
Für den Projektabschluss hat das Team eine Prämie bekommen.
The team received a bonus for completing the project.
As a reward, 'Prämie' (bonus) is often used with verbs such as 'ausschütten' (to pay out/distribute), 'gewähren' (to grant), or 'erhalten' (to receive). It is often paid for special achievements, long-term loyalty, or as an incentive.
Das Unternehmen schüttet eine Prämie an alle Mitarbeiter aus.
The company is paying out a bonus to all employees.
In an insurance context, the premium is often mentioned with a time reference, e.g. 'monatliche Prämie' (monthly premium) or 'jährliche Prämie' (annual premium). People also speak of the 'Prämie für' (premium for) a specific insurance policy.
Die jährliche Prämie für die Hausratversicherung wird im Januar fällig.
The annual premium for household contents insurance is due in January.
The meaning 'Aufschlag' (surcharge/premium) is technical language from the financial sector. It is used in connection with stocks, bonds, or currencies and is very rare in everyday life.
Die Aktie wird mit einer kleinen Prämie gegenüber dem Ausgabepreis gehandelt.
The stock is trading at a small premium over the issue price.
price / prize
A Preis is awarded as a prize or award in a competition. A Prämie, by contrast, is an additional financial reward paid for special performance, as an incentive, or for loyalty. Preis is appropriate for winning a competition, while Prämie is used for a performance-based bonus.
Für das erreichte Jahresziel erhielt Lea eine Prämie.
Lea received a bonus for reaching her annual target.
Für den ersten Platz im Wettbewerb erhielt Lea einen Preis.
Lea received a prize for coming first in the competition.
