Accidents and illness are unhappy things to talk about, but no one can expect to live a lifetime without having some kind of accident or being ill. Some accidents and illnesses are serious and may result in long periods of invalidism.
The newspapers contain spectacular accounts of accidents in the street and highways and public places, but nearly as many accidents occur around the home. Somebody trips on a rug. Somebody falls off a stepladder. Somebody is careless in cooking dinner, and is burned. Accidents incurred in the playing of sports and swimming also accounts for a large number of injuries, big and little. Despite constant campaigns to reduce the number of accidents, there are still approximately 100,000 accidental deaths and nearly 9,000,000 nonfatal injuries in the United States each year.
It has been estimated that around 3,000,000 people are constantly ill in the United States throughout the year and that over half the illness is caused by respiratory diseases, chiefly colds and influenza.
The pain and suffering caused by accidents and illness tell only half the story. Loss of time from school and work and medical and hospital expenses often make the pain seem worse. Money spent in this country for doctors, services, hospitalization, nursing care, drugs, medicines, Xrays, and special treatments, amounts to a huge annual sum. Added to this expense is another much larger amount that is lost to wage earners throughout the nation by reason of their loss of wages or ine while sick or otherwise disabled.
Accident and health insurance is a form of insurance devised to protect against these economic losses. It protects the earning of wage earners and finishes financial aid to the family of the breadwinner by the payment of his doctor and hospital bills. Today, business and professional men, farmers, industrial workers, clerks and those engaged in various occupations, whose earning power is shut off for a week, a month, or sometimes years, because of accidents or illness can insure themselves against this financial loss by accident and health insurance.
Protection is available to all types of workers and the cost(called the premium)ranges from a few cents a day for small or limited policies to a month for policies paying larger amounts(called indemnities). Policy is another name for an insurance contract(合同). Most accident and health policies are cancelable policies—that is, they are sold for a definite term such as a week, a month, or a year, similar to contracts of fire insurance and automobile liability insurance. There are, however, policies which cannot be canceled or terminated(终止)by the insurance pany until the policyholder reaches an age at which he usually has no further earning power—most often at sixty or sixtyfive years. These noncancelable policies cost more than the cancelable policies.
【小题1】What is the passage mainly concerned about?A．Everyone will have some sort of illness or accident.B．Accident and health insurance is available to everyone.C．Cancelable insurance policies are better than noncancelable one. D．Insurance is a good protection against accidents and illness.【小题2】Every year in the United States there are .A．more people die in accidents than of illnessB．more people who are ill than those injured in accidentsC．more outdoor accidents than indoor accidentsD．more people injured in accidents than those who are constantly ill【小题3】The heaviest pain and suffering caused by accidents and illness are .A．colds and influenzaB．financial lossesC．loss of timeD．invalidism【小题4】Accident and health insurance will protect people by .A．covering their medical expenditureB．paying their wagesC．restoring their earning powerD．providing policyholders with the money they need to surviveD
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(答案→)D
解析：本文介绍了很多人因为生病或者事故而经受了巨大的损失，而为了避免这种损失，可以参加Accident and health insurance。
【小题1】D 细节题。根据文章第五段前3行Accident and health insurance is a form of insurance devised to protect against these economic losses. It protects the earning of wage earners and finishes financial aid to the family of the breadwinner by the payment of his doctor and hospital bills.可知这种事故和健康的保险是一种很好的保护措施，故D正确。
【小题2】D 细节题。根据文章2,3段Despite constant campaigns to reduce the number of accidents, there are still approximately 100,000 accidental deaths and nearly 9,000,000 nonfatal injuries in the United States each year.和It has been estimated that around 3,000,000 people are constantly ill in the United States throughout the year and that over half the illness is caused by respiratory diseases, chiefly colds and influenza可知事故中受伤的人的数字比生病的人要更多，故D正确。
【小题3】B 段落大意题。根据文章第四段The pain and suffering caused by accidents and illness tell only half the story. Loss of time from school and work and medical and hospital expenses often make the pain seem worse. Money spent in this country for doctors, services, hospitalization, nursing care, drugs, medicines, Xrays, and special treatments, amounts to a huge annual sum. Added to this expense is another much larger amount that is lost to wage earners throughout the nation by reason of their loss of wages or ine while sick or otherwise disabled说明事故导致的经济损失才是最重要的损失。故B正确。
【小题4】A 细节题。根据文章倒数第二段2,3行It protects the earning of wage earners and finishes financial aid to the family of the breadwinner by the payment of his doctor and hospital bills.可知这种保险可以包括治疗的费用，故A正确。