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 small percentage of the medical cost at the time of the service and thus you don’t have to have sufficient cash to pay the entire bill at once. Whatever you decide, obtaining some form of health insurance is something you should consider before you go overseas. You shouldn’t wait until you are sick with a major medical bills to pay off.

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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 small percentage of the medical cost at the time of the service and thus you don’t have to have sufficient cash to pay the entire bill at once. Whatever you decide, obtaining some form of health insurance is something you should consider before you go overseas. You shouldn’t wait until you are sick with a major medical bills to pay off.

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【单选题】30(). A．or B．and C．but D．so

Traveling can be fun and easy. A vacation trip to another country is especially (21) when the traveling conditions are good. Good traveling conditions (22) a comfortable mode of transportation, knowledge of the (23) language, familiarity (24) the custom and habits of the people in the country, and pleasant traveling (25) . All of us have had nice trips (26) this.

Most of us have also had trips that we would (27) to forget. Many conditions can produce a bad (28) experience. For example, if the four conditions (29) above do not exist, we will probably have a bad experience, (30) at best difficult (31) . Students who travel to a (32) country to study often have a difficult trip. They usually travel (33) . They don’t know the language of the new country (34) . They often arrive in the new country (35) a judge international airport. From the airport, they need to (36) their way to their school. Maybe they need to (37) airplanes, to take a bus, a train, or a taxi. They need to do ail this in a country (38) everything is unfamiliar. Later, after the experience is (39) , they can laugh. But at the (40) , they feel terrible.

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【简答题】分析大陆法系与英美法系在历史传统上存在的差别。

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【简答题】注册会计师于2010年2月28日结束了对广东某燃气热水器厂2009年度财务报表审计工作，在审计结束前发现下列情况： ①A用户在使用该厂热水器时，造成了人身伤亡，用户于2010年1月20日对该厂提起诉讼，要求该厂赔偿100万元。法院至今还未审理完毕。 ②B用户在使用该厂热水器时，造成了人身伤亡，用户于2010年1月20日对该厂提起诉讼，法院于2010年2月13日审理完毕，该厂应赔偿用户100万元。 ...

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【单选题】7（） A．problem B．management C．intrigue D．strategy

These are tough times for Wal-Mart, America’s biggest retailer. Long accused of (1) small-town America mad condemned for the selfishness of its pay, the company has lately come under (2) for its meanness over employees’ health-care benefits. The charge is arguably (3) : the firm’s health coverage, while (4) less extensive than the average for big companies, is on equal terms (5) other retailers’. But bad publicity, coupled with rising costs, has (6) the Bentonville giant to action. WalMart is making changes that should shift the ground in America’s healthcare debate.

One (7) is to reduce the prices of many generic, or out-of-patent, prescription drugs. Wal-Mart’s critics dismiss the move as a publicity (8) . The list of drugs includes only 143 different medicines and excludes many popular group. True, but short-sighted. Wal-Mart has (9) retailing by using its size to squeeze suppliers and (10) the gains on to consumers. It could (11) the same with drugs. A "Wal-Mart effect" in drugs will not solve America’s health-costs problem: group account for only a small share of drug costs, which in turn make (12) only 10% of overall health spending. But it would (13) .

The firm’s other initiative is more (14) . Wal-Mart is joining the small but fast-growing group of employers (15) are controlling costs by shifting to health insurance with high deductibles.

Early evidence (16) these plans do help firms control the cost of health insurance. But critics say that the savings are (17) . They argue that the plans shift costs to sicker workers, discourage preventative care and will anyway do little to (18) overall health spending, (19) most of the $2 trillion that America (20) health care each year goes to people with multiple chronic diseases.

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