Passage Three
段落三
Obtaining good health insurance is a real necessity while you are studying overseas.
当你正在国外学习，获得一份良好的健康保险是有必要的。
It protects you from minor and major medical expenses that can wipe out not only your savings but your dreams of an education abroad.
医疗保险可以节约你在生病时大大小小的医疗花费，这些花费不仅会花光你的积蓄还会使你在国外求学的梦想破灭。
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.
通常有两种不同类型的健康保险你可以考虑购买，国际旅行保险和你抵达国的学生保险。
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.
国际旅游保险政策通常是在你出国前的家乡购买。它涵盖了各种医疗服务，并且给你一个在你的旅游范围内，说你的母语的医生名单。
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 receipt to the insurance company.
缺点是你可能无法立刻拿回你所支付的款项。换句话说，你必须先支付所有的医疗费用，之后再提交所有的收据给保险公司以获得赔偿。
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 don't have to have sufficient cash to pay the entire bill at once.
另一方面，在海外学习的地方所购买的医疗保险允许你在使用该服务时只支付部分医疗费用，这样你就不必用充裕的现金一次支付全额医疗费用。
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 major medical bills to pay off.
无论你的决定是什么，出国前获得某种形式的健康保险是你应该考虑的。你不该等到病倒后要花大把的医药费时才买保险。
Questions 33 to 35 are based on the passage you have just heard.
问题33至35是基于你刚才听到的短文。
Question 33. Why does the speaker advise overseas students to buy health insurance?
问题33. 为什么作者建议海外学生购买健康保险？
Question 34. What is the drawback of students buying international travel insurance?
问题34. 学生购买国际旅行保险的缺陷是什么？
Question35. What does the speaker say about students getting health insurance in the country where they will study?
问题35. 作者说学生去留学的时候，获得留学国家的健康保险要注意什么？