hokenshou o wasureru to, byouin de komarimasu.

If I forget my insurance card, I will be in trouble at the hospital.

Breakdown of hokenshou o wasureru to, byouin de komarimasu.

• を: direct object particle
• で: location particle
• と: conditional particle
• 忘わすれる: to forget

Questions & Answers about hokenshou o wasureru to, byouin de komarimasu.

What does と mean here?

In this sentence, と means if/when.

• 保険証を忘れると = If you forget your insurance card
• It connects one event to a natural result or consequence:
  • If X happens, Y happens

So the sentence has the pattern:

• A と、B
• When/if A happens, B follows

Here, forgetting your insurance card leads to trouble at the hospital.

A key nuance: と often sounds like a general or predictable consequence, not a one-time personal decision.

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Why is the verb 忘れる in dictionary form instead of 忘れます?

Before と, verbs usually appear in the plain form, not the polite ます form.

So:

• 忘れると = correct
• 忘れますと = possible in very formal contexts, but not natural for everyday beginner-level Japanese

This is normal in grammar patterns like:

• 行くと
• 食べると
• 雨が降ると

Even if the main sentence is polite, the clause before と is usually plain.

That is why the sentence mixes:

• 忘れる before と
• 困ります in the main clause

This is very common in Japanese.

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Why does the sentence end with 困ります?