Please tell me whether I need to purchase a foreign student policy.

　　告诉我是否我需要购买外国学生保险。

　　I'd like to know whether basic health insurance coverage should include benefits for outpatient， hospital， surgery and

　　medical expenses.

　　我想知道基本健康保险所列的项目是否应包括医院门诊，住院，手术及药品等费用的赔偿。

　　Will you please tell me where I can purchase health insurance？

　　请告诉我在何处能买到健康保险？

　　Health insurance is merely a mean by which people pool money to guard against the sudden economic consequences of sickness or

　　injury.

　　健康保险就是筹集一些钱以预防疾病或受伤而突然发生的经济困难。

　　“Major medical” insurance policies are designed to help offset heavy medical expenses that can result from a prolonged

　　illness or serious injury.

　　“巨额医药费保险”旨在协助减轻久病及重伤所造成的重大医药开支。

　　If the benefits provided under a certain policy have a dollar limitation for each service， you should determine whether these

　　limitations are realistic.

　　如果某一家保险公司的健康保险对每种服务定有赔偿限额，你应断定这些限额是否合乎实际。

　　Words and Phrases

　　health insurance 疾病保险，健康保险

　　sickness insurance 疾病保险

　　insurance for medical care 医疗保险

　　“major medical” insurance policy 巨额医药费保险

　　insurance during a period of illness 疾病保险

　　life insurance 人寿保险

　　endowment insurance 养老保险

　　insurance on last survivor 长寿保险

　　to purchase health insurance 购买健康保险

　　to have a health insurance policy 购买健康保险

　　Additional Words and Phrases

　　policy-holder 保险客户

　　extra premium 额外保险费

　　additional premium 附加保险费

　　insurance law 保险法

　　insurance act 保险条例

　　insurance industry？ 保险业

　　insurance division 保险部

　　insurance treaty 保险合同

　　cover note 保险证明书

　　guarantee of insurance 保险担保书

　　premium rebate 保险费回扣

　　insurance claim 保险索赔

　　ceding， retrocession（for reinsurance） 分保

　　reinsurance 分保（再保险）

　　ceding（insurance）company 分保公司

　　co-insurance company 共同保险公司

　　insurance document 保险单据

　　certificate of insurance 保险凭证

　　increasing coverage， extending coverage 加保

　　renewing coverage 续保

　　insurance commission 保险佣金

　　social insurance 社会保险

　　personal property insurance 个人财产保险

　　insurance of contents 家庭财产保险