600 Từ vựng TOEIC – Lesson 48: Health Insurance – Học Hay

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600 Từ vựng TOEIC – Lesson 48: Health Insurance – Học Hay

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600 Từ vựng TOEIC– Lesson 48: Health Insurance

Từ vựng TOEIC theo chủ đề - Lesson 48: Health Insurance

Read the following passage and write the words in the blanks below.

allow             concerns              personnel            regardless          alternatives              emphasize                 policy             salary          aspect                 incurs            portion            suitable


The cost and availability of health insurance is one of the greatest (1) _____ of company (2) _____. A covered employee should be familiar with the terms and conditions of the insurance (3) _____. Although the insured pays a (4) _____ of the cost of his or her coverage through (5) _____ deductions, the employer generally covers most of the cost.

Self-employed persons can arrange for their own insurance or join an association of those performing similar work in order to get lower premiums. Traditionally, the insurance carrier will (6) _____ most of the charges related to medical care, although the insured might be responsible for a small portion.

Although the company or association negotiates the most (7) _____ terms they can, most experts (8) _____ that employees should be on the lookout for (9) _____ that might better suit their needs. (10) _____ of the cost of premiums, the most important (11) _____ of good health insurance is that it meets the needs of the insured and (12) _____ the least possible cost for necessary procedures.


Đáp án:

1. concerns

2. personnel

3. policy

4. portion

5. salary

6. allow

7. suitable

8. emphasize

9. alternatives

10. regardless

11. aspect

12. incurs

Word Families - 600 Từ vựng TOEIC – Lesson 48: Health Insurance

Word Practice - Từ vựng TOEIC – Lesson 48: Health Insurance

Listening Comprehension

Part 1 Photo


Look at the picture and listen to the sentences. Choose the sentence that best describes the picture.






Đáp án: A


Part 2 Question—Response

Listen to the question and the three responses. Choose the response that best answers the question.










Đáp án:

2. C

3. C


Part 3 Conversation

Listen to the dialogue. Then read each question and choose the best answer.

4. What will happen if the man sees a specialist without a referral?

(A) He will be dropped from his health plan.

(B) He will see only a portion of the bill.

(C) He won’t be provided with good care.

(D) He will pay a higher percentage of the cost.

5. When can the man get an appointment with his primary care provider?

(A) In three days.

(B) In ten days.

(C) In two weeks.

(D) In three weeks.

6. What does the woman recommend to the man?

(A) See a specialist soon.

 (B) See his primary care provider first.

(C) Get a treatment for his headache.

(D) Get a special procedure.


Đáp án:

4. D

5. D

6. B


Part 4 Talk

Listen to the talk. Then read each question and choose the best answer.

7. Why has a new health plan been chosen? 

(A) To help people save money.

(B) Because the old plan is no longer available.

(C) To get more benefits.

(D) Because people are interested in alternative medicine.

8. Who will the new plan be available to?

(A) Only people who earn a low salary.

(B) Anyone who is interested.

(C) Only people who have special health concerns.

(D) Just those who have worked at the company for a long time.

9. When will the new health plan be in effect?

(A) Today.

(B) In two weeks.

(C) In several months.

(D) Next year.


Đáp án:

7. A

8. B

9. D


Part 5 Incomplete Sentences

Choose the word that best completes the sentence.

10. Office policy does not _____ employees to leave the office for medical appointments.

(A) allow

(B) allowing

(C) allowable 

 (D) allowance

11. You should investigate to see it there are any _____ to costly hospital stays. 

(A) alternate

(B) alternatively

(C) alternatives 

 (D) alternating

12. It _____ me that our company is not willing to look for an alternative to our current health insurance plan.

(A) concern

(B) concerned

(C) concerns

 (D) concerning

13. I’m really pleased that my health plan provider is paying for my gym membership as a way to _____ its concern for my health.

(A) emphasis

(B) emphasize

(C) emphatic

 (D) emphasizing

14. l _____ health insurance as an indispensable job benefit.

(A) regardless

(B) regardful

(C) regarding

 (D) regard

15. The employee’s goal is to find her family _____ health coverage.

(A) suit

(B) suitable

(C) suitably

 (D) suitability


Đáp án:

10. A

11. C

12. C

13. B

14. D

15. B


Part 6 Text Completion



To: All personnel

From: Human Resources Office

Re: Health Insurance


Many of you have expressed an interest in certain _____ (16) health care treatments such as acupuncture and massage. In response to this, we have negotiated a new health insurance _____ (17) with our provider, and benefits now include a discount on visits to acupuncturists, massage therapists, and naturopaths. In order to take advantage of this discount, you need only to present your insurance card on your first visit to an approved provider. Please be advised that this discount _____ (18) only on visits to providers from the approved list. Please notify this office it you would like a copy of the list of approved alternative health care providers.



(A) alter 

(B) alternate

(C) alternative

(D) alternatively


(A) policy

(B) police

(C) politic

(D) polite


(A) allow

(B) allows

(C) is allowed

(D) are allowed


Đáp án:

16. C

17. A

18. C


Part 7 Reading Comprehension


Did you know that full medical coverage is available to all company employees and their families, regardless of position or salary? If you need to know more, attend the workshop that will be held in Conference Room 3 next Friday at 11:00. All aspects of our health care policy will be explained. This workshop will be particularly useful to new personnel, although all are welcome. However, you must: register to attend. Please contact the Human Resources Office before 5:00 Thursday.

We will go over the various alternative plans available to company employees and discuss what criteria you need to consider in selecting the plan that best suits your needs. We will explain exactly what is covered and What is not under each alternative, and what portion of each doctor’s visit or treatment that you must pay out of pocket. We will leave time at the end for a question—and-answer session to make sure that all your concerns are addressed. This workshop will last two hours.


19. What is the workshop about?

(A) Choosing a doctor.

(B) Health insurance.

(C) Alternative medicine.

(D) Planning a medical treatment.

20. Who can attend the workshop?

(A) Anyone.

(B) New personnel only.

(C) The Human Resources staff.

(D) Only employees with families.

21. What time will the workshop end?

(A) 11:00.

(B) 1:00.

(C) 2:00.

(D) 5:00.

22. The word suits in the second paragraph, line 4 is closest in meaning to

(A) depends

(B) satisfies

(C) expresses

(D) emphasizes

23. The word concerns in the second paragraph, line 9 is closest in meaning to

(A) assignments

(B) answers

(C) benefits

(D) worries


Đáp án:

19. B

20. A

21. B

22. B

23. D


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