以下是引用joywzy在2003-5-30 10:05:00的发言:17. Since the introduction of the Impanian National Health Scheme, Impanians (or their private insurance companies) have had to pay only for the more unusual and sophisticated medical procedures. When the scheme was introduced, it was hoped that private insurance to pay for these procedures would be available at modest cost, since the insurers would no longer be paying for the bulk of health care costs, as they had done previously. Paradoxically, however, the cost of private health insurance did not decrease but has instead increased dramatically in the years since the scheme抯 introduction.
Which one of the following, if true, does most to explain the apparently paradoxical outcome?
(A) The National Health scheme has greatly reduced the number of medical claims handled annually by Impania's private insurers, enabling these firms to reduce overhead costs substantially.
(B) Before the National Health scheme was introduced, more than 80 percent of all Impanian medical costs were associated with procedures that are now covered by the scheme.
(C) Impanians who previously were unable to afford regular medical treatment now use the National Health scheme, but the number of Impanians with private health insurance has not increased.
(D) Impanians now buy private medical insurance only at times when they expect that they will need care of kinds not available in the National Health scheme.
(E) The proportion of total expenditures within Impania that is spent on health care has declined since the introduction of the National Health scheme.
答案
我选A,D怎么能解释这个现象呢?I 只在需要的时候买保险,并不能解释为什么个人费用并没有减少,而是大量地增加啊?
原文意思为引进某个保险计划,该计划保险公司支付异常的医疗费,不像以前异常还是不异常都付。本来这样会使保险金(买某个保险的价格,这和利润挂钩)下降,但矛盾的是保险金反而增加。D提出解释说引入该计划后,人们只在有需要时才买保险。这样保险公司付医疗费的几率就增加,羊毛出在羊身上,这样保险金当然也随之上涨。
原来这里有个common sense... 藕真是没文化。