C)They must send the receipts to the insurance company promptly.

　　D)They have to pay a much higher price to get an insurance policy.

　　第一步 看題(1分鐘)：

　　33題：注意圈出每項的動詞，聽到確定的動詞即為準確答案

　　34題：選項較難，只能迅速熟悉一下長詞或難詞的位置，不要強迫自己全部看懂

　　35題：ABD都是pay做謂語，答案必在其間。

　　第二步,聽力做題(3分鐘)(音頻見網站鏈接：附件五)

　　第三步 查閱

　　1、 答案：CAB

　　2、 找出答案在原文的對應：

　　Obtaining good health insurance is a real necessity while you are studying overseas. It protects you from minor and major medical expenses that can wipe out not only your savings，(33題C選項的高度對應，尤其是“protect sb from 保護某人不受某種侵害”這個短語的重合)but you dreams of an education abroad.

　　There are often two different types of health insurance you can consider buying：international travel insurance and student insurance in the country where you will be going. An international travel insurance policy is usually purchased in your home country before you go abroad. It generally covers a wide variety of medical services，and are often gives a list of doctors in the area where you will travel who may even speak your native language. The drawback might be that you may not get your money back immediately.(34題的A項有多個單詞和短語在此處重合) In other words，you may have to pay all your medical expenses and then later submit your receipts to the insurance company. On the other hand，getting student health insurance in the country where you will study might allow you to only pay a certain percentage of the medical cost at the time of service and thus，you don’t have to have sufficient cash to pay the entire bill at once.(35題的B項在此重合)

　　Whatever you decide，obtaining some form of health insurance is something you should consider before you go overseas. You shouldn’t wait until you are sick with major medical bills to pay off.

　　33.Why does the speaker advise overseas students to buy health insurance?

　　34.What is the drawback of students’ buying international travel insurance?

　　35.What does the speaker say about students’ getting health insurance in the country where they will study?

　　3、查閱所有詞語，確認選項和原文準確中文含義：

　　題目選項舉例：33題