ヒ, こうむ.る, おお.う, かぶ.る, かぶ.せる, ぎぬ
incur, cover, veil, brood over, shelter, wear, put on, be exposed (film), receiving
JLPT2 G7 S10 F431
As per 皮# (align) + 衣 clothing → align clothing (or bedclothes/bedding) over the body → *cover*; *be covered* → *reach*; *suffer*; *incur* (← be figuratively covered by unpleasant matters) → *passive auxiliary verb* (← be acted upon ← suffer).
[Full Kanji Etymology List]