我能体会。
Wǒ néng tǐhuì.
I can relate/understand.
我体会过。
Wǒ tǐhuì guò.
I've experienced/understood it.
我有体会。
Wǒ yǒu tǐhuì.
I have insight/experience.
我没有体会。
Wǒ méiyǒu tǐhuì.
I don't have that insight/experience.