BEC中级口语练习：医疗保险

　　Ⅲ.课文篇

　　Your health is the most important thing you have. Being healthy is more important than having money, more important than your family and more important than your job. It is vital therefore that you look after your health and well-being.

　　你的健康是你所拥有的最重要的东西。身体健康比有钱重要得多，而且比你的家庭和你的工作更重要。它是如此的至关重大，因此你(必须)照顾好你的健康和幸福。

　　In most countries, the public health system is adequate but not really suitable if you are going to have a long stay in hospital or if you need specialist care. With the costs of doctors, hospitals and drugs rapidly increasing, many people are taking out health insurance policies to cover themselves against financial ruin if they get sick.

　　在大多数国家，公共健康体系是健全的，但是在你需要住院很长时间，或者需要特殊照顾的情况下，就不(那么)适合了。随着医生、医院和药品的价格急速增长，很多人采取医疗保险，来保护他们自己以免遭受财政损失。

　　Often your company will include health insurance as a part of your salary package. Your company will negotiate a good deal with an insurance company and then make the monthly payments on your behalf. Because your company is buying several policies at the same time, they can usually negotiate a better rate than you would be able to by yourself.

　　你的公司经常会将医疗保险做为你薪酬的一部分。你的公司会与一个保险公司洽谈，达成不错的协议，然后每个月为你付费。因为你的公司同时会买好几个保险，他们经常能商谈达成一个你个人不可能得到的好价钱。

　　If you do have medical insurance and have to go to the doctor, hospital or dentist, make sure you get a receipt. Once you have returned to work, ask the Human Resources manager if there is a special form you need to complete and show the manager the receipt from the hospital.

　　如果你确实有医疗保险，并且必须去看医生，去医院或者牙医，要确保你拿到发票。当你回去工作时，向人事部经理询问你是否需要填写一张特殊表格，并且向经理出示医院的发票。

　　Health insurance can be expensive, but you can reduce the cost by having your employer take care of it for you. Health insurance is peace of mind - the last thing you want is to have to worry about money if you are in an accident or get sick. Plan ahead and get yourself covered.

　　医疗保险可能会很昂贵，但是你可以用使你的雇主为你处理而削减费用。医疗保险是思想的解放 - 你最不想要的事情，就是当你有意外或者生病的时候，还不得不担心钱(的问题)。提前计划，以便此费用的负担。