单选题
In our lifetime, we should suffer from a lot of
hardship, setback and misery. Perhaps no body could free from these unhappy
things. Accidents and illnesses 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 non-fatal injuries in the United States each year. In
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, X-rays, 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 earnings 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. Most accidents 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 by the insurance company until the policyholder reaches
an age at which he usually has no further earning power--most often at sixty or
sixty-five years. These non-cancelable policies cost more than the cancelable
policies.
单选题
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. Insurance is a good protection against accidents and illness.
D. Cancelable insurance policies are better than non-cancelable
one.