2018职称英语考试《理工类》补全短文精讲解析（4）:精讲精练
Cancer Not Covered by Most Health Insurances,Cancer Insurance to the Rescue
There are 1.2 million Americans diagnosed with cancer every year.（1） The cost of cancer diagnostics,operation or removal and cancer treatment are overwhelming to the victim and to their families as well.I should know,several of my family members have died from cancer over the last 13 years.Getting cancer insurance can help ease these financial burdens and give peace of mind to you and your family.
What many people don"t realize is most regular health insurance policies do not cover cancer treatment.（2）Some treatments are very expensive.Expenses for cost of travel to a cancer treatment facility are not also covered by health insurance policies.
My friend"s wife had cancer and thank God she survived.During the treatment,they had to coordinate transportation from friends to a get her to her daily treatments.This caused a lot of stress on my friend.（3） I pay about $88 bucks a month.It would have been cheaper $47,but I got the kind that returns all of my premiums to me after 25 years minus any money that has been paid out on claims.（4） I am still amazed at how robust the plan is.It has a rider that pays $350 per pay to me if any of us need radiation or chemo therapy.This would cover me for missed work or transportation costs or to hire friends to help in any way I need.
（5） The coverage for this type of insurance may comprise of:Treatments while being an in-patient as well as being an out-patient.This includes radiation,chemotherapy,medications,etc； Transportation and living expense if cancer treatment is made out of town.Payment of traveling expenses for specialists may also be part of the coverage； Ambulance or air ambulance service when needed by the victim； Full-time nursing care and facility when treatment is made away from the victim"s residence； Reconstruction and prosthesis may be part of the insurance plan； Special diagnostic tests needed to determine type of cancer may be covered by the plan.
A.Most health insurance policies do not cover this "specified disease" or "dreaded disease".
B.The price of such insurance may surprise you
C.Although some policies include a few cancer diagnostic tests or minimal treatment,they not cover the whole gamut of cancer treatment.After that experience about 3 years ago,I bought a cancer insurance policy that covers my family.
D.Cancer insurance is a supplement to health insurance assuring that treatment and incidental expenses are covered should such illness arise.
E.So,if I don"t have a claim,I get all of my premiums back.
正确答案：ACDFE
解析：1.上一句话说，每年有1200万人被诊断患有癌症.接下来是，A多数的保险单都不包括这种"具体的"或者"可怕的"疾病.后面进而提到诊断治疗癌症的费用让患者的家庭不堪重负.
2.上一句话说，许多人还没有意识到大多数常规的保单都不包括癌症的治疗.接下来进一步解释，C尽管一些保单包括一些诊断检查和最低的治疗，它们不包括整个治疗的费用.
3.前面提到作者朋友妻子治疗癌症的经历.接下来，D那件事以后，大约3年前，我买了一份保全家的保险.后面具体说了保险的情况.
4.前一句说我买的保险25年后返还减掉理赔付过的费用之外的全部保费.接下来进一步阐述，F如果我没有理赔过，我将拿回所有的保费.
5.这一段主要讲的是癌症保险的性质和包括的项目，开头一句为主题句：E癌症保险是医疗保险的补充，如果得了癌症，它可以保证治疗费用和额外开销的支付.