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单选题
Different insurance companies charge almost the same prices for insurance policies.
A
Right.
B
Wrong.
C
Doesn’t say.
参考答案
参考解析
解析：
第三段明确指出“The cost varies greatly between companies”,，由此可知本题“不同的保险公司要价几乎相同”是错误的。
第三段明确指出“The cost varies greatly between companies”,，由此可知本题“不同的保险公司要价几乎相同”是错误的。
更多 “单选题Different insurance companies charge almost the same prices for insurance policies.A Right.B Wrong.C Doesn’t say.” 相关考题
考题
Many companies self insure against some risk. Problems which can arise from self-insurance include:A failure to reserve funds to handle worst case scenarios (low probability events) resulting in severe financial damage to the companyB stiff competition from insurance companiesC confusion of business risks with insurable risks.D A and CE All of the above.
考题
Betty is from Italy. Now she lives in Edinburgh . But her parents still live in Italy. She is 25 years old. She is a teacher. She works in a high school in Edinburgh. She teaches science (科学) and she likes her work. Most of her students are 15 or 16 years old. They all like her. They think she is a great teacher and a beautiful girl with long golden hair. Betty has a boyfriend. His name is Ray. He is British. He is 30 years old. He likes books and music. He can play the piano very well. He is in IT. He works very hard. But he does not like his job. He likes traveling like Betty, and of course he likes staying with Betty.(1). Betty is British now.A、 Right.B、Wrong.C、Doesn't say.(2). Betty has long beautiful hair.A、 Right.B、Wrong.C、Doesn't say.(3). Ray likes his job.A、 Right.B、Wrong.C、Doesn't say.(4). Both Betty and Ray like traveling.A、 Right.B、Wrong.C、Doesn't say.(5). Betty can play the piano well.A、 Right.B、Wrong.C、Doesn't say.
考题
In Britain people usually have a doctor near their home or in their town. This is the local doctor. You have to register with a doctor before you can make an appointment. You usually have to fill in a form. and the doctor examines you. Families often all register with the same doctor. Doctors often work together in groups, and the name of the place where they work is a Doctor's Surgery. The government pays for this system, and it is free to go to see your doctor. If the doctor decides that you need treatment he can prescribe medicine. For example he can prescribe antibiotics for an infection. Medicine can be tablets to take with water or liquid to drink. The doctor writes the prescription. You take the prescription to the chemist's, and the chemist will make up the medicine for you. You usually have to pay some money for the medicine --- but you don't have to pay the full price.(1). British people usually go a long way to see a doctor.A、 Right.B、Wrong.C、Doesn't say.(2). Some rich British families don't register with the same doctor.A、 Right.B、Wrong.C、Doesn't way.(3). British people don't have to pay when they see their doctor.A、 Right.B、Wrong.C、Doesn't say.(4). Doctors always work alone in their own Doctor's Surgery.A、 Right.B、Wrong.C、Doesn't say.(5). British people usually have to pay for their prescription at the chemist's.A、 Right.B、Wrong.C、Doesn't say.
考题
Hello. My name is Molly and I'm from Ireland. I train the staff and help the customers --- especially the important ones. Franco, the restaurant owner, discusses everything with me. I have two free evenings a week, but twice a year I work every evening when Franco is on holiday --- I hate that. I always have to work on Friday and Saturday evenings when the restaurant is busy. But I like it because I'm interested in food and people. My salary is good. I like working with Franco. I get along well with the other staff in the restaurant.(1). Molly likes to work every evening.A、 Right.B、Wrong.C、Doesn't say.(2). Molly sometimes has to work on Friday and Saturday evenings.A、 Right.B、Wrong.C、Doesn't say.(3). Molly has a holiday twice a year.A、 Right.B、Wrong.C、Doesn't say.(4). Molly like working in the daytime.A、 Right.B、Wrong.C、Doesn't say.(5). Molly gets along well with all the staff in the restaurant.A、 Right.B、Wrong.C、Doesn't say.
考题
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考题
We sell insurance cover your payment () will depend on the cover you require.
A、feeB、fareC、charge
考题
听力原文：A bank or insurance company issues a document to guarantee that exporter will supply the goods or services as the required standard.(4)A．A bank or insurance company issues an advance payment bond.B．A bank or insurance company issues a tender bond.C．A bank or insurance company issues a maintenance bond.D．A bank or insurance company issues a performance bond.
考题
According to the text, which benefit CANNOT Wal-Mart bring to the society?（ ）[A] Low paying jobs.[B] Low prices.[C] High profits.[D] High employment insurance enrollment.
考题
What is the obstacle that poor countries might experience in preparing their disaster insurance?（ ）[A] It is not easy to explain the important items of insurance in normal times.[B] The severity of the disaster is not big enough to trigger a payout.[C] The insurance premiums are too expensive for poor countries to afford.[D] The insurance payout can't meet the need for recovery.
考题
共用题干
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 $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 directly from the insurance company.In the US,a person's company buys him or her health insurance.A:Right B:Wrong C:Not mentioned
考题
共用题干
Health Care in the USHealth 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. The international students in the US work harder than the American students.A:Right B:Wrong C:Not mentioned
考题
共用题干
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 $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 directly from the insurance company.All employees in the US have the same kind of health insurance.A:Right B:Wrong C:Not mentioned
考题
Text 2 As lawmakers fight over what conditions insurance companies should be required to cover,other areas of health-care reform remain painfully neglected.One major example:How much should insurance companies pay for what they cover?Consumers rarely care about health-care prices beyond what they personally pay for deductibles,co-payments and prescription drugs.But insurance payments are crucial to understanding why health-care prices have gotten so out of control in the United States.A new study published in JAMA Internal Medicine makes this abundantly clear:Hospital emergency departments across the country are prone to excessively overcharge patients with private insurance,the study found,demanding that patients pay-on average-more than four times what Medicare pays for typical emergency procedures.This is not the heritage of sound medicine.This is the outcome of an extremely complicated and disjointed health-care system-and it's not necessarily the result of greedy hospitals trying to milk large profits out of vulnerable populations.Instead,it's the result of messy provider networks-rife with discounts and confusing contracts,designed by insurance companies and providers to attract customers.There are policy solutions to correct this system.Maryland,for example,has long operated under an"all-payer system"in which everyone pays the same rate for the same treatment-set by an independent state agency.Under this system,Medicare pays higher rates for care than in other states,but in the long run,it saves money-to the tune of$319 million-because the payment system incentivizes hospitals to reduce the number of people they admit.In other words,it encourages payment for quality of care,not quantity.Health-care providers have an incentive to work more closely with nursing facilities to deliver preventive care.Physicians also work more closely with patients to reduce preventable complications and hospital readmissions,which have dropped in Maryland faster than the national average in recent years.This innovative approach to solving price disparities in health-care costs is refreshing,although what works in Maryland might not work everywhere else.But other states have also passed laws to reduce price variation in health care,particularly for uninsured and low-income patients who would be most harmed by surprise medical bills.Unfortunately,reform efforts led by Republicans in Congress will likely worry the health-care industry enough to threaten state-led initiatives.Uncertainty-especially in terms of what our insurance markets will look like a year from now-makes it difficult,if not impossible,for states to experiment with different policies.That's a shame,because that's where the exciting and innovative reforms are happening.
Which of the following would be the best title for the text?A.Uncertainty in the Health-Care Industry
B."All-Payer System"in Maryland
C.The Health-Care Reform Ignored
D.Medicare vs.Private Insurance
考题
Text 2 As lawmakers fight over what conditions insurance companies should be required to cover,other areas of health-care reform remain painfully neglected.One major example:How much should insurance companies pay for what they cover?Consumers rarely care about health-care prices beyond what they personally pay for deductibles,co-payments and prescription drugs.But insurance payments are crucial to understanding why health-care prices have gotten so out of control in the United States.A new study published in JAMA Internal Medicine makes this abundantly clear:Hospital emergency departments across the country are prone to excessively overcharge patients with private insurance,the study found,demanding that patients pay-on average-more than four times what Medicare pays for typical emergency procedures.This is not the heritage of sound medicine.This is the outcome of an extremely complicated and disjointed health-care system-and it's not necessarily the result of greedy hospitals trying to milk large profits out of vulnerable populations.Instead,it's the result of messy provider networks-rife with discounts and confusing contracts,designed by insurance companies and providers to attract customers.There are policy solutions to correct this system.Maryland,for example,has long operated under an"all-payer system"in which everyone pays the same rate for the same treatment-set by an independent state agency.Under this system,Medicare pays higher rates for care than in other states,but in the long run,it saves money-to the tune of$319 million-because the payment system incentivizes hospitals to reduce the number of people they admit.In other words,it encourages payment for quality of care,not quantity.Health-care providers have an incentive to work more closely with nursing facilities to deliver preventive care.Physicians also work more closely with patients to reduce preventable complications and hospital readmissions,which have dropped in Maryland faster than the national average in recent years.This innovative approach to solving price disparities in health-care costs is refreshing,although what works in Maryland might not work everywhere else.But other states have also passed laws to reduce price variation in health care,particularly for uninsured and low-income patients who would be most harmed by surprise medical bills.Unfortunately,reform efforts led by Republicans in Congress will likely worry the health-care industry enough to threaten state-led initiatives.Uncertainty-especially in terms of what our insurance markets will look like a year from now-makes it difficult,if not impossible,for states to experiment with different policies.That's a shame,because that's where the exciting and innovative reforms are happening.
The wide variation in health-care prices is mainly caused by_____A.the vulnerable populations
B.the greedy hospitals
C.differences in treatment preferences
D.the disorganized provider networks
考题
Text 2 As lawmakers fight over what conditions insurance companies should be required to cover,other areas of health-care reform remain painfully neglected.One major example:How much should insurance companies pay for what they cover?Consumers rarely care about health-care prices beyond what they personally pay for deductibles,co-payments and prescription drugs.But insurance payments are crucial to understanding why health-care prices have gotten so out of control in the United States.A new study published in JAMA Internal Medicine makes this abundantly clear:Hospital emergency departments across the country are prone to excessively overcharge patients with private insurance,the study found,demanding that patients pay-on average-more than four times what Medicare pays for typical emergency procedures.This is not the heritage of sound medicine.This is the outcome of an extremely complicated and disjointed health-care system-and it's not necessarily the result of greedy hospitals trying to milk large profits out of vulnerable populations.Instead,it's the result of messy provider networks-rife with discounts and confusing contracts,designed by insurance companies and providers to attract customers.There are policy solutions to correct this system.Maryland,for example,has long operated under an"all-payer system"in which everyone pays the same rate for the same treatment-set by an independent state agency.Under this system,Medicare pays higher rates for care than in other states,but in the long run,it saves money-to the tune of$319 million-because the payment system incentivizes hospitals to reduce the number of people they admit.In other words,it encourages payment for quality of care,not quantity.Health-care providers have an incentive to work more closely with nursing facilities to deliver preventive care.Physicians also work more closely with patients to reduce preventable complications and hospital readmissions,which have dropped in Maryland faster than the national average in recent years.This innovative approach to solving price disparities in health-care costs is refreshing,although what works in Maryland might not work everywhere else.But other states have also passed laws to reduce price variation in health care,particularly for uninsured and low-income patients who would be most harmed by surprise medical bills.Unfortunately,reform efforts led by Republicans in Congress will likely worry the health-care industry enough to threaten state-led initiatives.Uncertainty-especially in terms of what our insurance markets will look like a year from now-makes it difficult,if not impossible,for states to experiment with different policies.That's a shame,because that's where the exciting and innovative reforms are happening.
The author's attitude toward reform efforts led by Republicans in Congress is one of_____A.pity
B.disapproval
C.understanding
D.expectation
考题
Text 2 As lawmakers fight over what conditions insurance companies should be required to cover,other areas of health-care reform remain painfully neglected.One major example:How much should insurance companies pay for what they cover?Consumers rarely care about health-care prices beyond what they personally pay for deductibles,co-payments and prescription drugs.But insurance payments are crucial to understanding why health-care prices have gotten so out of control in the United States.A new study published in JAMA Internal Medicine makes this abundantly clear:Hospital emergency departments across the country are prone to excessively overcharge patients with private insurance,the study found,demanding that patients pay-on average-more than four times what Medicare pays for typical emergency procedures.This is not the heritage of sound medicine.This is the outcome of an extremely complicated and disjointed health-care system-and it's not necessarily the result of greedy hospitals trying to milk large profits out of vulnerable populations.Instead,it's the result of messy provider networks-rife with discounts and confusing contracts,designed by insurance companies and providers to attract customers.There are policy solutions to correct this system.Maryland,for example,has long operated under an"all-payer system"in which everyone pays the same rate for the same treatment-set by an independent state agency.Under this system,Medicare pays higher rates for care than in other states,but in the long run,it saves money-to the tune of$319 million-because the payment system incentivizes hospitals to reduce the number of people they admit.In other words,it encourages payment for quality of care,not quantity.Health-care providers have an incentive to work more closely with nursing facilities to deliver preventive care.Physicians also work more closely with patients to reduce preventable complications and hospital readmissions,which have dropped in Maryland faster than the national average in recent years.This innovative approach to solving price disparities in health-care costs is refreshing,although what works in Maryland might not work everywhere else.But other states have also passed laws to reduce price variation in health care,particularly for uninsured and low-income patients who would be most harmed by surprise medical bills.Unfortunately,reform efforts led by Republicans in Congress will likely worry the health-care industry enough to threaten state-led initiatives.Uncertainty-especially in terms of what our insurance markets will look like a year from now-makes it difficult,if not impossible,for states to experiment with different policies.That's a shame,because that's where the exciting and innovative reforms are happening.
The study in JAMA Internal Medicine is mentioned to illustrate that_____A.insurance payments push up health-care prices
B.prices in health care are soaring out of control
C.Medicare is more efficieni than private insurance
D.lawmakers fight in the wrong direction
考题
She was able to get the government and ______ companies to help patients with the cost of their care.A.assurance
B.assumption
C.sanction
D.insurance
考题
共用题干
Earthquake Insurance1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Paragraph 3______A:What's the Main Problem of Earthquake Insurance?B:What Damages Can an Earthquake Cause?C:How to Buy an Earthquake Insurance?D:What Is an Earthquake Insurance?E:Where Does Earthquake Happen Frequently? F: What Does an Earthquake Insurance Contain?
考题
共用题干
Earthquake Insurance1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Earthquakes can cause a variety of direct damage and______.A:indirect damageB:risk poolsC:government disaster fundsD:the nature of the damageE:insurance policies F: prices
考题
共用题干
Earthquake Insurance1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.The insurance paid for earthquake depends on the type of insurance and______. A:indirect damageB:risk poolsC:government disaster fundsD:the nature of the damageE:insurance policies F: prices
考题
共用题干
Earthquake Insurance1.Earthquake insurance is a form of homeowners' insurance which deals with damage caused by earthquakes.In regions where earthquakes are especially common,homeowners may be required to carry earthquake insurance,so that in the event of an earthquake,people rely less on government disaster funds and more on their own insurance policies.As a general rule,earthquake insurance is not a part of standard insurance policies,and it must be purchased separately.2.Earthquakes can cause a variety of damage to a home,ranging from complete destruction to damage which causes the building to become structurally unsound.Indirect damage caused by neigh-boring collapses of structures and freeways can also occur,as can more bizarre forms of earthquake damage,like winding up with a car in the living room or a sinkhole in the back yard.Fires and flooding are also common problems in the wake of earthquakes.3.When homeowners purchase earthquake insurance,they may be protected against both direct damage,such as a structural collapse after an earthquake,and indirect damage,like a fire caused by broken gas lines.More commonly,the insurance only covers structural damage caused directly by the earthquake.The insurance may pay for a complete replacement of the structure,or a remodel, depending on the type of insurance and the nature of the damage.Some policies also cover damaged property like cars,and they may provide living allowances so that the residents of the home can temporarily relocate for the duration of the repairs.4.This type of homeowners' insurance is prone to adverse selection,in which only people in high risk areas purchase the insurance.The problem with adverse selection for insurance companies is that it decreases the pool of customers,making potential payouts very expensive.For this reason, earthquake insurance often has a high deductible,and it can he very expensive.5.Recognizing the need for earthquake insurance,some governments have provided subsidies for earthquake insurance,to reduce the stress on insurance companies.Insurance companies also adjust their risk pools carefully,and there may be stringent requirements for a homeowner to purchase earthquake insurance.For example,a home may need to be retrofitted for earthquake safety, reducing the amount of damage which will be incurred in a quake.For low-income home owners, this can be very difficult,as it drives the cost of earthquake insurance out of reach,which can in turn make it difficult to get home loans,as many banks in earthquake-prone areas insist on earth-quake insurance as a condition for a loan.Insurance companies also adjust their______.A:indirect damageB:risk poolsC:government disaster fundsD:the nature of the damageE:insurance policies F: prices
考题
单选题A recent spate of art thefts at a major museum has led to a drastic increase in the insurance premiums that the museum must pay to insure its collection. Many art fans are concerned that the museum, which traditionally has charged no entrance fee, will be forced to charge a high entrance fee in order to pay for the increased insurance premiums. Which of the following, if true, would most alleviate the concern of the art fans that the museum will be forced to charge high entrance fees?A
Law enforcement officials recently apprehended the Belgian Bobcat, a notorious art thief who has been linked to at least 20 art heists.B
Citing a dispute with the insurance company over the terms of its coverage, the museum has chosen to cancel its insurance policy.C
The majority of visitors to the museum are schoolchildren, who could not reasonably be expected to pay a high entrance fee.D
The museum pays for the majority of its total expenses from its large endowment, which is earmarked specifically for purchasing new art.E
The museum recently installed a state-of-the-art burglar alarm system that will make future thefts almost impossible.
考题
单选题The author of the book believes that .A
drinking coffee was unpatrioticB
2000 insurance companies were set up hundreds of years agoC
Europeans were responsible for the existence of slaveryD
coffee actually influenced the rise of business
考题
单选题The medical board, concerned by the drop in insurance payments and the failure of the accounting department to obtain the anticipated funds, resolved to pursue legal action against the insurance company.A
concerned by the drop in insurance payments and the failure of the accounting department to obtainB
concerning the drop in payments by insurance and the failure of the accounting department to obtainC
because of its concern for the dropping insurance payments and the accounting department’s failure at obtainingD
in its concern that the drop in insurance payments and the failure of the accounting department to obtainE
being concerned about the drop in insurance payments and the accounting department falling to obtain
考题
单选题The word “redress” in paragraph 4 probably means _____.A
dressing againB
change of addressC
compensation for something wrongD
selling the same product at different prices
考题
单选题The author of the book believes that ______.A
drinking coffee was unpatrioticB
2,000 insurance companies were set up hundreds of years agoC
Europeans were responsible for the existence of slaveryD
coffee actually influenced the rise of business
考题
单选题When the carrier is liable for the compensation in respect of loss of or damage to the goods，such compensation shall be calculated on the basis of the Merchant’s net invoice cost，plus freight and insurance premium，if paid. This sentence means that（）.A
if the freight and insurance premium are paid，they shall be added to the basisB
if the freight and insurance premium are not paid，they shall be added to the basisC
the freight and insurance premium shall not be added to the basis even they are paidD
the freight and insurance premium shall be added to the basis even they are not paid
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