slide unit 6 tiếng anh chuyên ngành BH

Health insurance is, basically, a promise by an insurance company or health plan to provide or pay for health care services in exchange for payment of premiums... Apart from age, ther

UNIT 6: HEALTH INSURANCE

I NEW WORDS

Availability (n) /əˌveɪləˈbɪləti/ tính sẵn sàng để dùng, tính có thể dùng được Challenge (n) /ˈtʃæləndʒ/ sự thách thức

Comprehensive (adj) /ˌkɒmprɪˈhensɪv/ bao hàm toàn diện

Creditor (n) / ˈkredɪtə/ người chủ nợ, người cho vay

Enroll (v) /ɪnˈrəʊl/ kết nạp vào, ghi tên cho vào (hội…)

Excessive (adj) /ik´sesiv/ quá mức, thừa

Foundation (n) /faun'dei∫n/sự thành lập, sự sáng lập, sự thiết lập

Implementation (n) /,implimen'teiʃn/ sự thi hành, sự thực hiện đầy đủ

Indeed (adv) /ɪnˈdid/ thực vậy, thực mà, quả thực

Inheritance (n) /in'heritəns/ của thừa kế, gia tài, di sản

Maintenance (n) /´meintənəns/ sự duy trì, sự bảo vệ

Necessity (n) /ni´sesiti/ sự cần thiết, điều tất yếu

Obstacles (n) /'ɔbstəklz/ sự cản trở, sự trở ngại

II Reading comprenhensive

HEALTH INSURANCE – AN INTRODUCTION

Health is wealth Is that true? Of course,

everyone wants to be healthy and this is why we say health is the greatest wealth in the world

Apart from a balanced meal, exercise, and so on,

we need to have a health insurance to be in good health Health insurance is, basically, a promise

by an insurance company or health plan to

provide or pay for health care services in

exchange for payment of premiums  

Insurance policy has started since the 18th century However, at that time, had Accident Insurance The first accident insurance company was we Franklin Health Assurance Company of Massachusetts which was founded

in the year 1850 This insurance was mainly offered because at that time there were a lot of accidents and injuries due to railroad and steamboat Accident insurance agencies soon started sky rocketing It was indeed very successful People had started realising how important insurance is In the year 1866, there were around sixty accident insurance companies w were set up and ultimately, the number of insurance companies kept on mushrooming

Health insurance was proposed by Hugh the Elder Chamberlen in 1964 A health insurance

is a contract renewable either monthly or

yearly between the insurance company and

the person The Insurance Company will

provide you with a quotation of the insurance company In the quotation, you will the term

of policy, that is how long are you covered

with the health insurance The duration of the health insurance will depend on the age of the insurance holder

If he is young, the insurance company may advise him to take

a long term health insurance and if the person is old it might be the contrary Apart from age, there are other factors like health and income which are taken into consideration when quoting a health insurance companies also do a medical checkup before provide a health insurance policy In the quote, you will also

find how much you have to pay on a monthly or a yearly basis The health insurance quotation all consists of all the benefits which it covers Certain health insurance covers the insurer

100% but certain not There are several conditions which are applied Different amount is paid in case of natural death,

accidental death, loss of one limb or two limbs or in case of

permanent disability.

There are mainly four different types of are

namely: Fee-for-Service Plans Health Maintenance organizations (HMOs) Point-of-Service Plans (POS) Preferred Provider Organizations (PPOs) These four different types of insurance may have different

names however their goal is to provide medical

care to people Fee-for-service plan is the more

affordable plan However it has got some

limitations Preferred Provider Organization has got more options; however, this is the most expensive

It is up to you to decide which type of insurance is the best and which one you would like to purchase

To get a better medical care, it is very important to have a good health

insurance plan You have health

insurance companies all around your

country; however, you have to decide which one is the best and will provide you with the best medical facilities

You can have health insurance quotes

of different companies online You can compare the price as well as the

medical benefits which are provided by the health insurance company on the intemet along with its quote

Since health insurance has now

become a necessity, do not waste time, get connected to the internet, compare prices and benefits and

purchase a good health insurance.

Comprehension question

1 How is the term “health insurance’’ defined according to the text?

2 Why did accident insurance become

importance in the 18th century?

3 What does phrase “sky rocketing’’ mean

according to the text?

4 What specifications does the quotation of the insurance company offer you?

5 Under what cricumstances can someone be offered health insurance coverage?

6 What common purposes are different types of health insurance aimed at?

1 How is the term “health insurance’’ defined according to the text?

 It is a promise by an insurance company on health plan to provide or pay for health care servicein exchange for payment of premiums

2 Why did accident insurance become importance in the 18th century?

 Because at that time there were a lot of accidents and injuries due to railroad and steamboat

3 What does phrase “sky rocketing’’ mean according to the text?

 The number of insurance companies kept on mushrooming

4 What specifications does the quotation of the insurance company offer you?

 In the quotation, you will have the term of policy, you will also find how much you have to pay on a monthly or a yearly basis

5 Under what cricumstances can someone be offered health insurance coverage?

 Natural death, accidental death, loss of one limb or two limbs or in case of

permanent disability

6 What common purposes are different types of health insurance aimed at?

 Their comon purposes is to provide medical care to people

III Garammar constructions used for comparing adjectives

A Review: there are three form of comparison

• positive

• comparative

• superlative

1 Comparison with -er/-est

clean → cleaner → (the) cleanest

We use -er/-est with the following adjectives:

1 Adjectives with one syllable

positive comparative superlative

2 Adjectives with two syllables and the

following endings:

2.1 Adjectives with two syllables, ending in -y

positive comparative superlative

prett y prett ier prett iest

2.2 Adjectives with two syllables, ending in -er

2.3 Adjectives with two syllables, ending in -le

simp le simp ler simp lest

2.4 Adjectives with two syllables, ending in

-ow

positive comparative superlative

1.3 Spelling of the adjectives using the endings -er/-est

positive comparative superlative comment

larg e larg er larg est leave out the

silent -e

nant  after short

vowel

sad sadder saddest

dirty dirtier dirtiest

i (although consonant

before -y)

4 Special adjectives

positive comparativ e superlative comment

much more most uncountabl e nouns

many more most countable nouns

little smaller smallest  

9 Is this the cheapest carpet you have got?

Have you got?

11 Lan is better cook than Hoa.

Hoa can’t…

Hoa is…

7. Apples are usually cheaper than oranges

She thought that Rome….

I don’t know…

world.

India is …

13 No restaurant in the city is better than

that one.

That restaurant is…

My kitchen is…

to.

He doesn’t drive …

Answer B: Drilling exercise

1 No one in the team is better at tennis than Jane

2 The train doesn’t take as short as the bus

3 My mother cooks better than me

My mother is better cook than I

4 I can’t run as fast as him

He is

5 Have you got any cheaper carpet than this ?

6 Hoa can’t cook as well as Lan

Hoa is worse cook than Lan

7 Apples aren’t usually as expensive as oranges.

8 This is the most delecious cake I have eaten

I have never eat any cake better than this.

9 No one is tallest girl than Pat in her class

10 She thought that Pome was better than Paris

11 I don’t know about it as much as she does

12 India is the most country I’d like to visit in the word.

13 That restaurant is the best in the city

14.Your kitchen is bigger than mine

My kitchen is not as big as yours.

15 He doesn’t drive as careless as he used to.

A B

1 Beneficiaries a Transfer of rights under an insuarance policy to

another person or business For example, to secure

a debt, it is not uncommon for the policy owner to transfer to the credior his rights to borrow on the cash value

3 Free Look Period c Individuad who will receive an inheritance upon

the death of another The proceeds of an insurance policy may be in the form of a lump-sum or annuity

4 Broker d That can vary up or down Some life insurance

policies permit the company to change the premiums after the policy is in force, depending on mortality experience, expenses, and investment returns

5 Reinstatement e The cancellation of a lease by mutual consent of

the lesser and the lessee

Ex 1: Match each word in column A with its

definition in column B.

A B

6 Assignment f Right, in most states, of an insured to have 10

days in which to examine an insurance policy, and

if not satisfied, to return it to the company for a full refund of the initial premium

7 Effective Date g That reached its expiration date without being

exercised and is thus without value

8 Surrender h In insurance, the restoration of coverage after a

policy has lapsed because premium payments have not been made in insurance, the restoration of

coverage after a policy has lapsed because premium payments have not been made

9 Lapsed i Insurance purchased from an insurance company

that has been licensed in the state in which the policy is purchased

10 Admitted

insurance j Person who finds the best insurance deal for a client and then sells thepolicy to the client

Exercise 2: use the suitable words from the box to fill in the gaps

Vietnam faces great challenges in achieving universal health insurance by 2014 health insurance as first (1)………… In the country over 15 years ago, and the rate of the population with insurance has increased (2)……….over the years

There are various types of health insurance in Viet Nam, such as compulsory

insurance, voluntary insurance, insurance for poor people

Increases in the (3)………… of health care centres and range of health services for communities has also contributed to the development and (4)………of health care and health insurance

However, there are a variety of reasons and obstacles that have limited the

expansion of health insurance usage to the whole population

Compulsory number popularization challenge

Steadily Introductes access inconsistencies

become previously developed Increased

Many business and enterprises have not bought health insurance for

their workers, despite Government regulations making it (5)………

There are also problems in the implementation of health insurance due

to (6)……… and lack of comprehensive guiding documents, especially when it comes to hospital fee policies or the organisation of local health care systems

Despite greater (7)………….to care in many areas, the availability of

health care services is also still limited in remote and rural areas, which means fewer health insurance users in those areas

According to a 2008 World Bank report on Financing and Supplying

Health Services in Viet Nam, the country’s health insurance system is facing three main (8)………… : expanding the usage to wider population, developing the services to reduce the people’s own expenses and

cutting down other expenses

Ex3: complete the text with the correct form of the word s in brackets.

The first insurance plans began during the Civil War 1865).  The first group policy giving

(1861-(1)………….(comprehension) benefits was offered by

Massachusetts Health Insurance of Boston in 1847

(disable) and illness policies in about 1890  Several large life insurance companies entered the health insurance field

health insurance increased In 1932 nonprofit organizations called Blue Cross or Blue Shield first offered group health plans Blue Cross and Blue Shield Plans were successful

( negotiate) with doctors and hospitals.  In return for

…………(provide) gave discounts to the Blue Cross and

Shield plans.

Government programs to cover health care costs

began to expand during the 1950s and 1960s

Disability benefits were included in social security

government created Medicare and Medicaid

programs in 1965, private sources still paid 75

percent of all of the health care costs By 1995,

individuals and companies only paid for about half

of the health care with the government (7)…………

During the 1980’s and 1990’s, the cost of health

care rose rapidly and the (8)…… (major) of

employer-sponsored group insurance plans

switched from “fee-for-service” plans to the cheaper

“managed care plans.”  As a result, most Americans with health insurance were enrolled in managed

care plans by the mid-1990s.

IV Translation

In 1993 President Bill Clinton presented to the U.S congress a health care reform plan that would have guaranteed health insurance for all Americans Congressional leader opposed the plan as it was too expensive and excessively regulated Congress also passed the Health Insurance Portability and Accountability Act in 1996 This protected individuals from losing their health insurance when they moved from on job to another or became self-employed Unfortunately, it did not ensure the overall quality or comprehensivess of insurance offered by employers

The bush administration and congress have pledge to reform health care but even the proposals have been delayed by more urgent financial concerns and issues related to Iraq It is unlikely that the Federal Government will change the foundation of the current system anytime soon It would be wise for all people to check their insurance benefits, make sure that their policies serve their needs, and simultaneously shop for the best plans as they also try to select the best doctors