Insurance companies provide a service to the community by protecting it against expected and unexpected disasters. Before an insurance company will agree to insure anything, it collects accurate figur 题目和参考答案——青夏教育精英家教网—

题目内容

Insurance companies provide a service to the community by protecting it against expected and unexpected disasters. Before an insurance company will agree to insure anything, it collects accurate figures about the risk. It knows, for example, that the risk of a man being killed in a plane accident is less than the risk he takes in crossing a busy road. This enables it to quote(报价) low figures for travel insurance. Sometimes the risk may be high, as in motor-racing or mountaineering. Then the company charges a much higher price. If too many climbers have accidents, the price rises further. If the majority of climbers fall off mountains, the company will refuse to insure them.

An ordinary householder may wish to protect his home against fire or his property against burglary(入室行窃). A shopkeeper may wish to insure against theft. In normal cases, the company will check its statistics and quote a premium(保险费). If it is suspicious(可疑的), it may refuse to quote. If it insures a shop and then receives a suspicious claim, it will investigate the claim as a means of protecting itself against false claims. It is not unknown for a businessman in debt to burn down his own premises so that he can claim much money from his insurance company. He can be sure that the fire will be investigated most carefully. Insurance companies also accept insurance against shipwreck or disaster in the air. Planes and ships are very expensive, so a large premium is charged, but a reduction is given to companies with an accident-free record.

Every week, insurance companies receive premium payments from customers. These payments can form a very large total running into millions of dollars. The company does not leave the money in the bank. It invests (投资) in property, shares (股票) ,farms and even paintings and stamps. Its aim is to obtain the best possible return on its investment. This is not as greedy as it may seem since this is one way by which it can keep its premiums down and continue to make a profit while being of service to the community.

The main idea of the first paragraph is that .

A. insurance companies protect the community against disasters

B. insurance companies often collect accurate figures about the risk

C. insurance companies base their decisions on the risk involved

D. insurance companies charge different prices in the same cases

The insurance company will usually investigate a suspicious claim to .

A. refuse to quote the insurance fee B. make sure that the claim is reasonable

C. decide how much the company should pay D. find out when the accident happened

The underlined word "premises" in Paragraph 2 most probably means" "

A. land and buildings B. insurance contract

C. debt papers D. financial papers

The author’s attitude towards customers’ premium payments being used by insurance companies is __

A. critical B. doubtful C. neutral D. positive

The purpose of this passage is to __

A. explain how insurance companies operate

B. encourage people to invest in insurance companies

C. persuade people to insure against unexpected disasters

D. advise people how to insure their life and property

【小题1】C

【小题2】B

【小题3】A

【小题4】D

【小题5】A

解析:

【小题1】主旨大意题．根据文章第一段可知C为正确答案，其他几项均在文中提到，但不是全段的大意，故选C。

【小题2】推理判断题．根据文章第二段If it is suspicious(可疑的)，it may refuse to quote．If it insures a shop and then receives a suspicious claim，it will investigate the claim as a means of protecting itself against false claims，可推断出目的是为了保证索赔是合理的，从而避免错误赔偿，因此选B．

【小题3】推测词义题。Premise意为“房屋及其周围的房基地”，根据常识也可推断有些商人想烧毁房子从而获得保险公司的赔偿，故选A．

【小题4】观点态度题．根据全文及文章最后一句可知作者对保险公司利用客户的保险金从而最终提供更好的服务是持肯定态度的，故选D.

【小题5】主旨大意题；综观全文可知，本文是介绍保险公司如何操作的，故A为最佳选项．

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During the 1980s there was considerable restructuring of the Health Service with an increased emphasis on managerial efficiency and the privatization of some services (for example, cleaning). At the end of the 1980s the government introduced proposals for further reform of the NHS, including allowing some hospitals to be self-governing, and encouraging GPs to compete for patients. Patients would be able to choose and change their family doctor more easily and GPs would have more financial responsibility. The political questions continue of how much money should be provided to support the NHS and where it should come from.

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B. people didn’t have to pay for health care since the NHS was set up

C. patients were charged for receiving health care before 1948

D. the NHS was an organization which gave free advice to villagers

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A. It’s managed by the central government.

B. Its cost is mainly paid for by the National Insurance contributions.

C. It hires more people than any other unit in Europe.

D. Fewer patients go to its hospitals than before because they spend less on health care.

All the following statements about GPs are true except that they ______.

A. take care of the local people’s health

B. often take part in competitions to see who is the best

C. work under high pressure nowadays

D. have more responsibilities than before

What does the underlined word “exempt” probably mean?

A. suffering B. different C. prevented D. free

The biggest problem for the NHS is ______.

A. many hospitals are too old to be used

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“Oh, no, sir,” answered Mr. Briggs at once, “Before I started work, I looked at the figures(数字) for deaths in this country during the past ten years, and I can tell you that few people die at the age of 95.”

Before he worked in an insurance company, what was Mr. Briggs?______.

A .He was a worker. B. He was an official.

C. He was a student. D. He was a businessman.

The word “ruin” in the second paragraph means .

A. lose B. break C. leave D. destroy

Which of the following is true according to the passage?

A.Mr. Briggs had studied the figures for deaths for several years.

B. Mr. Briggs began to look at the figures after he started work.

C. A great number of very old people die every year.

D. The number of the very old people who died every year is small.

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It is suitable to make a note of the serial numbers of your checks. Keep this separate from your traveler's checks.（词数191）

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B. People usually get traveler’s checks from foreign banks.

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D. You cannot get your passport until you get your traveler’s checks.

第二节：短文改错（共10小题，每小题1分，满分10分）

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2. A. discouraged B. timid C. sure D. upset

3. A. first B. next C. last D. only

4. A. On the other hand B. By contrast C. As a whole D. In other words

5. A. enormously B. definitely C. exactly D. directly

6. A. fewer B. more C. better D. worse

7. A. economics B. trades C. politics D. industries

8. A. necessary B. fertile C. scarce D. heated

9. A. opponents B. targets C. victims D. potentials[来源:]

10. A. due B. able C. equal D. likely

11. A. get out B. get around C. get into D. get off

12. A. programming B. planning C. investing D. advertising

13. A. signature B. unemployment C. crisis D. inefficiency

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