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Health Insurance

1 All insurance is a form of risk management. To deal with the unexpected risks to health through accident or illness, various types of health insurance programs have been devised. Health insurance is offered to individuals in two forms: individual plans and group plans. The insurers (供保者) may be private companies or governments. Since the early 1970s another type of health - care coverage(承保险种)has become prominent: the health maintenance organization.
2 In some countries no insurance companies offer health care because governments have taken over the entire responsibility. The United States has a combination of private and government - spon- sored insurance. Some government programs are limited to specific groups within the population.
3 The purpose of health insurance is to provide protection against loss of income and to cover the expenses of hospitalization (住院) and some of its associated costs. Some policie

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Health Insurance

1 All insurance is a form of risk management. To deal with the unexpected risks to health through accident or illness, various types of health insurance programs have been devised. Health insurance is offered to individuals in two forms: individual plans and group plans. The insurers (供保者) may be private companies or governments. Since the early 1970s another type of health - care coverage(承保险种)has become prominent: the health maintenance organization.
2 In some countries no insurance companies offer health care because governments have taken over the entire responsibility. The United States has a combination of private and government - spon- sored insurance. Some government programs are limited to specific groups within the population.
3 The purpose of health insurance is to provide protection against loss of income and to cover the expenses of hospitalization (住院) and some of its associated costs. Some policie

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[填空题]Besides life insurance and health insurance, most people also tend to buy______.

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[单项选择]Text 2

If national health insurance would not cure the problems of the American healthcare system, what, then, is responsible for them Suspicion falls heavily on hospitals, which make up the largest component of the system. In 1988 hospitals accounted for 39% of all health expenditures-more than doctor, nursing homes, drugs, and home health care combined.
Although U. S. hospitals provide outstanding research and frequently excellent care, they also exhibit the classic attributes of insufficient organizations: increasing costs and decreasing use. The average cost of a hospital stay in 1987—＄3,850—was more than double the 1980 cost. A careful government analysis published in 1987 revealed the inflation of hospital costs, over and above general price inflation, as a major factor in their growth, even after allowances were made for increases in
A. is working smoothly
B. is the best system in the world
C. is not working efficiently
D. in on the point of collapses

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Obtaining good health insurance is a real necessity while you are studying overseas. It protects you from minor and major medical expenses that can wipe out not only your savings but your dreams of an education abroad. There are often two different types of health insurance you can consider buying, international travel insurance and student insurance in the country where you will be going.
An international travel insurance is usually purchased in your home country before you go abroad. It generally covers a wide variety of medical services and you are often given a list of doctors in the area where you will travel who may even speak your native language. The drawback might be that you may not get your money back immediately, in other words, you may have to pay all you medical expenses and then later submit your receipts to the insurance company.
On the other hand, getting student health insurance in the country where you will study might allow you to only pay a sm

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