An international travel insurance policy 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 your 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 certain percentage of the medical cost at the time of service and thus you dont 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 shouldnt wait until you are sick with major medical bills to pay off.

　　Questions 33-35 are based on the passage you have just heard.

　　33. Why does the speaker advise the overseas students to buy health insurance?

　　34. What is the drawback of the students buying international travel insurance?

　　35. What does the speaker say about students getting health insurance in the country where they will study?

　　答案解析

　　本文是一篇说明文,题材属于文化教育类。作者阐述了留学生上医疗保险的好处,介绍了两种保险的优缺点。快速浏览选项后,从medical, doctors, insurance, pay, receipt 等词可推测这是一篇有关医疗及保险方面的短文,势必会讲到优缺点方面的问题,注意文章的开头和结尾,注意表示转折等的信号词。

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