Question

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 becoming 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 income 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(終止)by the insurance company 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.
【小題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.

【小題2】Every year in the United States there are________.

A．more people die in accidents than of illness

B．more people who are ill than those injured in accidents

C．more outdoor accidents than indoor accidents

D．more people injured in accidents than those who are constantly ill

【小題3】The heaviest pain and suffering caused by accidents and illness are________.

A．colds and influenza	B．financial losses
C．loss of time	D．invalidism

【小題4】Accident and health insurance will protect people by________.

A．covering their medical expenditure

B．paying their wages

C．restoring their earning power

D．providing policyholders with the money they need to survive

Answer 1

【小題1】D
【小題2】D
【小題3】B
【小題4】A

解析試題分析：本文介紹了很多人因為生病或者事故而經受了巨大的損失，而為了避免這種損失，可以參加Accident and health insurance。
【小題1】D 細節(jié)題。根據(jù)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.可知這種事故和健康的保險是一種很好的保護措施，故D正確。
【小題2】D 細節(jié)題。根據(jù)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可知事故中受傷的人的數(shù)字比生病的人要更多，故D正確。
【小題3】B 段落大意題。根據(jù)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 income while sick or otherwise disabled說明事故導致的經濟損失才是最重要的損失。故B正確。
【小題4】A 細節(jié)題。根據(jù)文章倒數(shù)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.可知這種保險可以包括治療的費用，故A正確。
考點：考查新聞報告類短文閱讀
點評：本文介紹了Accident and health insurance的具體情況。文章基本上是考查細節(jié)題，對此類題型考生可以首先從問題中找到關鍵詞，然后以此為線索，運用略讀及查閱的技巧在文中迅速尋找這一細節(jié)，找到后再把這一部分內容仔細閱讀一遍，仔細比較所給選項與文中細節(jié)的細微區(qū)別，在準確理解細節(jié)的前提下，最后確定最佳答案。