全国英语等级考试（二级）
问答题Passage 1 Do you know insurance (保险)? Buying insurance is a (1)______ by which people can protect themselves (2)______ large losses. Protection against fire is one kind of insurance. Large numbers of people pay (3)______ sums of money to an insurance
题目
问答题
Passage 1 Do you know insurance (保险)? Buying insurance is a (1)______ by which people can protect themselves (2)______ large losses. Protection against fire is one kind of insurance. Large numbers of people pay (3)______ sums of money to an insurance company. Although thousands of people have paid for fire insurance, only (4)______ will lose their homes by fire The insurance company will pay for these homes out of the sums of money it has (5)______ . The first modem fire insurance company was (6)______ in London, England, in 1666. A great fire had just (7)______ most of the cities, and people wanted protection against (8)______ losses. The first company (9)______ rapidly. Soon other companies were founded in other areas. Benjamin Franklin helped form the first fire insurance company in America in 1752. He also (10)______ a new kind of insurance for (11)______. The new insurance would offer protection against the loss of crops (12)______ storms. In 1775, Benjamin Franklin helped start (13)______ new insurance company in America. This company, (14)______ offered life insurance, collected some money (15)______ from many different men (16)______ a man died, his family was given a large sum of money. Today, this company is (17)______ in Business. Over the years, people have (18)______ from many new kinds of insurance when they have suffered from (19)______ accidents as car and plane crashes.(20)______, almost everyone has some kinds of insurance.1. A. way B. company C. thought D. means2. A. between B. to C. from D. on3. A. small B. large C. little D. few4. A. few B. quite a few C. a few D. many5. A. fobbed B. taken C. collected D. Borrowed6. A. organized B. found C. Built D. formed7. A. injured B. hurt C. destroyed D. harmed8. A. longer B. farther C. further D. deeper9. A. grew B. went C. existed D. 3 raised10. A. insisted B. suggested C. advised D. wanted11. A. workers B. salesmen C. farmers D. people12. A. By B. from C. for D. with13. A. other B. some C. certain D. another14. A. which B. that C. who D. where15. A. regularly B. often C. usually D. always16. A. Although B. Until C. If D. Unless17. A. still B. also C. already D. always18. A. heard B. paid C. Benefited D. offered19. A. such B. many C. the D. more20. A. Gradually B. Today C. Tomorrow D. Lately
参考答案和解析
正确答案：
1.D 考查名词与句子结构。由空格后的By which及它们在定语从句中充当的是状语可以看出,填入的词指的是一种方式。company(公司,同伴)和thought(想法)都不与By连用;way虽可指“方式”,但此时它应与in连用或者其前应用定冠词。注意,means虽似复数,实际上用作单数。
2.C 考查搭配。动词protect后的介词一般用against和from,指“保护/防止…免受…”,其余三个介词都不用在此处。
3.A 考查形容词与上下文理解。由上下文与常识可知,保险中每个人的费用都不是很大,所以不能选B。而由于sum(数目)只能用large/small来修饰,不能用表示量的little/few修饰,故答案就是A。
4.C 考查代词用法。few(很少)含有否定义,与上下文文意及常识不合;空格前有副词0nly,其后不能再用quite(相当);所以A. 、B. 均不对。而many(许多)含有极强的肯定义,与前后分句之间的转折逻辑不符。只有a few能指代人,且不含强烈的肯定义,是正确答案。
5.C 考查动词辨义。Rob抢劫,掠夺;take拿,带;collect收集,募集;Borrow借。保险公司之类的机构向公众集款用collect。
6.D 考查动词辨义。0rganize组织(人员、事件等);found建立(此处语态不对);Build建筑,建立(房屋等);form形成,组成(组织、机构)等。本句主语是company,且后文中又出现了form the first fire insurance company这一短语,因此选D。
7.C 考查动词辨义。injure伤害(肉体);hurt伤害(感情等);destroy毁坏(事物等);harm损害,有害于。由于主语是fire,而宾语是cities(城市),所以用destroy最恰当。
8.C 考查形容词辨义与上下文理解。四个选项都是形容词比较级形式:longer更长久的;farther更远的;further进一步的;deeper更深(刻)的。由上下文可知,这里指进一步的损失,故选C。
9.A 考查动词辨义。grow成长,发展;go走,去,变得;exist存在;raise养育,提出,上升。由主语是company及空格后的rapidly(迅速地)可知,应选grew。
10.B 考查动词辨义。insist坚持(说);suggest提出,建议,表明;advise建议(其后只能用代词或者不定式作宾语);want想要。这里指他提出采用一种新的险种,故用suggest。
11.C 考查上下文理解。由空格后的一句可知,他提出的这种新险种是针对农民和他们的作物的,故此处应选farmers,否则就不合逻辑。
12.A 考查介词。By指“由,经”,表达的是方式或者动作的发出者;from指“来自”,表达的是来源; for指“对于,向”,引出的是对象;with指“与,用”,表达的是方式和伴随。由上下文不难看出,作物的损失是“由”风暴引起的,故选By。
13.D 考查限定词。由空格后被修饰的中心词company是单数形式可知A. 不对,因为other应修饰复数形式;some和certain都指“某种”,但它们与可数名词单数连用时,前面应有冠词。another有冠词功能,且与上文所说他建立过一家火险公司呼应,因而是正确答案。
14.A 考查从句连接词。由句子结构和空格前的逗号不难看出这是一个非限制性定语从句,先行词是company,故选which。
15.A 考查副词辨义与上下文理解。regularly定期地,经常;often常常,经常;usually通常;always总是,一向。由上下文与常识可知,保险费用是定期交纳的,故选A。
16.C 考查连词与上下文理解。由上下文与常识可知,一个人死去是他的家庭获得保险赔偿的一个条件,故此处应选if。其余三项填入都不合逻辑。
17.A 考查副词辨义。still仍然;also也,还;already已经;always总是,一直。由于句子状语是 today,说明的是一种仍在进行的状态,故选still。
18.C 考查动词辨义与搭配。hear from收到…的来信;pay后一般不用from而用By或for;Benefit from从…中获益;0ffer后一般也不跟from而跟t0。此处指人们从新的险种中获益,故选C。
19.A 考查固定搭配。由空格后表示举例的as可知,应选such,构成such…as…这一固定搭配。
20.B 考查上下文理解。前文说过去许多年来,人们从许多新的险种中获益,用的是完成时态,而本句用的是一般现在时态,由逻辑可知应是说现在的情况,故选表示“如今,现在”的today。注意,gradually表示“诼渐”。Tomorrow表示“明天。将来”。1ately指“后来。
2.C 考查搭配。动词protect后的介词一般用against和from,指“保护/防止…免受…”,其余三个介词都不用在此处。
3.A 考查形容词与上下文理解。由上下文与常识可知,保险中每个人的费用都不是很大,所以不能选B。而由于sum(数目)只能用large/small来修饰,不能用表示量的little/few修饰,故答案就是A。
4.C 考查代词用法。few(很少)含有否定义,与上下文文意及常识不合;空格前有副词0nly,其后不能再用quite(相当);所以A. 、B. 均不对。而many(许多)含有极强的肯定义,与前后分句之间的转折逻辑不符。只有a few能指代人,且不含强烈的肯定义,是正确答案。
5.C 考查动词辨义。Rob抢劫,掠夺;take拿,带;collect收集,募集;Borrow借。保险公司之类的机构向公众集款用collect。
6.D 考查动词辨义。0rganize组织(人员、事件等);found建立(此处语态不对);Build建筑,建立(房屋等);form形成,组成(组织、机构)等。本句主语是company,且后文中又出现了form the first fire insurance company这一短语,因此选D。
7.C 考查动词辨义。injure伤害(肉体);hurt伤害(感情等);destroy毁坏(事物等);harm损害,有害于。由于主语是fire,而宾语是cities(城市),所以用destroy最恰当。
8.C 考查形容词辨义与上下文理解。四个选项都是形容词比较级形式:longer更长久的;farther更远的;further进一步的;deeper更深(刻)的。由上下文可知,这里指进一步的损失,故选C。
9.A 考查动词辨义。grow成长,发展;go走,去,变得;exist存在;raise养育,提出,上升。由主语是company及空格后的rapidly(迅速地)可知,应选grew。
10.B 考查动词辨义。insist坚持(说);suggest提出,建议,表明;advise建议(其后只能用代词或者不定式作宾语);want想要。这里指他提出采用一种新的险种,故用suggest。
11.C 考查上下文理解。由空格后的一句可知,他提出的这种新险种是针对农民和他们的作物的,故此处应选farmers,否则就不合逻辑。
12.A 考查介词。By指“由,经”,表达的是方式或者动作的发出者;from指“来自”,表达的是来源; for指“对于,向”,引出的是对象;with指“与,用”,表达的是方式和伴随。由上下文不难看出,作物的损失是“由”风暴引起的,故选By。
13.D 考查限定词。由空格后被修饰的中心词company是单数形式可知A. 不对,因为other应修饰复数形式;some和certain都指“某种”,但它们与可数名词单数连用时,前面应有冠词。another有冠词功能,且与上文所说他建立过一家火险公司呼应,因而是正确答案。
14.A 考查从句连接词。由句子结构和空格前的逗号不难看出这是一个非限制性定语从句,先行词是company,故选which。
15.A 考查副词辨义与上下文理解。regularly定期地,经常;often常常,经常;usually通常;always总是,一向。由上下文与常识可知,保险费用是定期交纳的,故选A。
16.C 考查连词与上下文理解。由上下文与常识可知,一个人死去是他的家庭获得保险赔偿的一个条件,故此处应选if。其余三项填入都不合逻辑。
17.A 考查副词辨义。still仍然;also也,还;already已经;always总是,一直。由于句子状语是 today,说明的是一种仍在进行的状态,故选still。
18.C 考查动词辨义与搭配。hear from收到…的来信;pay后一般不用from而用By或for;Benefit from从…中获益;0ffer后一般也不跟from而跟t0。此处指人们从新的险种中获益,故选C。
19.A 考查固定搭配。由空格后表示举例的as可知,应选such,构成such…as…这一固定搭配。
20.B 考查上下文理解。前文说过去许多年来,人们从许多新的险种中获益,用的是完成时态,而本句用的是一般现在时态,由逻辑可知应是说现在的情况,故选表示“如今,现在”的today。注意,gradually表示“诼渐”。Tomorrow表示“明天。将来”。1ately指“后来。
解析：
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相似问题和答案
第1题：
共用题干
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.
_________(1)
A: rich
B: poor
C:sick
D: old
A: rich
B: poor
C:sick
D: old
答案：C
解析：
第2题：
共用题干
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.
_________(3)
A: family
B:woman
C: man
D: student
A: family
B:woman
C: man
D: student
答案：D
解析：
第3题：
共用题干
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.
_________(12)
A: after
B: if
C: before
D: since
A: after
B: if
C: before
D: since
答案：C
解析：
第4题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
Which of the following statements is true?
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
Which of the following statements is true?
A.Premium is a small amount of money you pay for your losses.
B.If an individual didn't have a loss, premium was not wasted, because he didn't need to worry about unpredictable events.
C.An insurance agent holds premiums paid by the thousands.
D.The premium will be refund if an individual does not have a lose.
B.If an individual didn't have a loss, premium was not wasted, because he didn't need to worry about unpredictable events.
C.An insurance agent holds premiums paid by the thousands.
D.The premium will be refund if an individual does not have a lose.
答案：B
解析：
细节题。根据第二段倒数第二句“An individual who does not have a loss loses the premium money but purchases what insurance underwriters call‘peace of mind’．”可知．人们购买保险就是为了获得心灵平静，不用对未来不可预测的事情担心。B项说法正确。A项错在“for your losses”；C项应是insurance company或underwriter持有投保者的保险费，而不是insurance agent；D项如果投保者没有损失，保险费也是不退还的。
第5题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
According to the passage, insurance company will protect individuals from the losses EXCEPT
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
According to the passage, insurance company will protect individuals from the losses EXCEPT
A.property
B.fires
C.accidents
D.getting old
B.fires
C.accidents
D.getting old
答案：D
解析：
细节题。根据第一段第一句“Insurance(保险)may be considered a game of risk in which individuals and businesses protect themselves，their families，and their property from possible losses resulting from unpredictable events such as storms，fires，accidents and illnesses．”可知A、B、C三项都包含在内，只有D项没有提到，故选D。
第6题：
共用题干
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.
_________(6)
A: our
B:its
C:his
D:their
A: our
B:its
C:his
D:their
答案：D
解析：
第7题：
共用题干
Health Care in the US
Health care in the US is well-known but very expensive.Paying the doctor's bill after a
major illness or accident can cost hundreds of thousands of dollars.
In the US,a person's company,not the government,pays for health insurance.
Employers have contracts with insurance companies,which pay for all or part of employees'
doctors' bills.
The amount that the insurance company will pay out to a patient differs wildly. It all depends
on what insurance the employer pays.The less the boss pays to the insurance company,the
more the employee has to pay the hospital each time he or she gets sick. In 2004,the average
worker paid an extra US$558 a year,according to a San Francisco report.
The system also means many Americans fall through the cracks（遭遗漏）.In 2004,
only 61 percent of the population received health insurance through their employers,
according to the report. The unemployed,self-employed,part-time workers and graduated
students with no jobs were not included,
Most US university students have a gap between their last day of school and their first
day on the job.Often,they are no longer protected by their parents' insurance because they
are now considered independent adults.They also cannot buy university health insurance because they
are no longer students.
Another group that falls through the gap of the US system is international students.All
are required to have health insurance and cannot begin their classes without it,But exact
policies（保险单）differ from school to school.
Most universities work with health insurance companies and sell their own standard plan
for students.Often,buying the school plan is required,but luckily it's also cheaper than
buying direct from the insurance company.
Health Care in the US
Health care in the US is well-known but very expensive.Paying the doctor's bill after a
major illness or accident can cost hundreds of thousands of dollars.
In the US,a person's company,not the government,pays for health insurance.
Employers have contracts with insurance companies,which pay for all or part of employees'
doctors' bills.
The amount that the insurance company will pay out to a patient differs wildly. It all depends
on what insurance the employer pays.The less the boss pays to the insurance company,the
more the employee has to pay the hospital each time he or she gets sick. In 2004,the average
worker paid an extra US$558 a year,according to a San Francisco report.
The system also means many Americans fall through the cracks（遭遗漏）.In 2004,
only 61 percent of the population received health insurance through their employers,
according to the report. The unemployed,self-employed,part-time workers and graduated
students with no jobs were not included,
Most US university students have a gap between their last day of school and their first
day on the job.Often,they are no longer protected by their parents' insurance because they
are now considered independent adults.They also cannot buy university health insurance because they
are no longer students.
Another group that falls through the gap of the US system is international students.All
are required to have health insurance and cannot begin their classes without it,But exact
policies（保险单）differ from school to school.
Most universities work with health insurance companies and sell their own standard plan
for students.Often,buying the school plan is required,but luckily it's also cheaper than
buying direct from the insurance company.
Allemployees in the US have the same kind of health insurance.
A:Right
B:Wrong
C:Not mentioned
A:Right
B:Wrong
C:Not mentioned
答案：B
解析：
第8题：
共用题干
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.
Health Insurance（保险）
Most Americans are responsible for their own medical costs.These can be extremely
high if a person gets very_________(1)or has an accident.So people buy a health
insurance plan to make sure these costs will be_________(2).
Most American colleges and universities have_________(3)health centers.There
may even be a teaching hospital that can treat more serious__________(4).
Some medical services may be included in the cost of attending a school.But health
insurance is usually needed for extra services._________(5)most full-time college
students must have insurance.
Students may already be protected under their family's health plan.If not,many
colleges offer_________(6)own plans.
The University of Michigan will be our example.Students pay a health service fee.
Then there is no extra charge when they are treated for minor__________(7)problems at
the University Health Center. But the school wants students to have health insurance to pay
_______(8)other services.
The insurance plan________(9)by the university costs about one thousand seven
hundred dollars a year. Such health insurance_________(10)generally pay for hospital
services,emergency room care and visits to doctors.They___________(11)do not pay
for care of the teeth.And they usually do not pay for treatment of medical conditions that
existed________(12)the student arrived at school.
International students at the University of Michigan have two________(13).They
can buy the university health plan.Or they can________(14)private insurance that is
approved by the university.
The school also offers a special International Student Insurance Plan.This pays for
most of the services offered__________(15)the University Health Center that are not
included in the health service fee.
_________(2)
A:laid
B:paid
C: made
D: said
A:laid
B:paid
C: made
D: said
答案：B
解析：
第9题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
Which of the following statements is NOT TRUE?
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
Which of the following statements is NOT TRUE?
A.The first rule of the game in insurance business was devised hundreds of years ago.
B.There are many agents who sell insurance policies and collect premiums on behalf of underwriters.
C.An individual who pays premium for a policy is insured by an insurance company.
D.An individual pays premium directly to an insurance company.
B.There are many agents who sell insurance policies and collect premiums on behalf of underwriters.
C.An individual who pays premium for a policy is insured by an insurance company.
D.An individual pays premium directly to an insurance company.
答案：D
解析：
细节题。根据第二段中“an individual pays a small amount of money called a premium(保险费)to an agent who acts on behalf of an insurance company，or underwriter”可知，个人把保险费付给保险代理人而非直接付给保险公司。D项说法不正确。
第10题：
Insurance (保险) may be considered a game of risk in which individuals and businesses protect themselves, their families, and their property from possible losses resulting from unpredictable events such as storms, fires, accidents and illnesses. The first rule of the game, devised centuries age, is "share the risk". To play by this rule, many people take a small loss in place of one person′ s taking a large one.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
The money the insurance used to pay for an individual′ s loss comes from ___________.
It is a simple idea: an individual pays a small amount of money called a premium (保险费) to an agent who acts on behalf of an insurance company, or underwriter, which holds the individual′s premium and the premiums paid by thousands of others. The individual receives an insurance policy, a promise that if there is a loss to the individual as defined in the policy the insurance company will pay for it. The funds will come from the individual′s premium, the premium paid by others who did not have losses, and money from the company′ s investment of all the premiums. An individual who does not have a loss loses the premium money but purchases what insurance underwriters call "peace of mind". It is a gamble for the customer and the underwriter, but it is built on the first rule of risk that losses are small when shared by many.
The money the insurance used to pay for an individual′ s loss comes from ___________.
A.the premium paid by the person previously
B.the insurance company's investment
C.the premiums paid by other persons
D.all of the above
B.the insurance company's investment
C.the premiums paid by other persons
D.all of the above
答案：D
解析：
细节题。根据第二段中“The funds will come from the individual’s premium，the premium paid by others who did not have losses，and money from the company’s investment of all the premiums．”可知，A、B、C三项内容都包含在内。故选D。