Part IV Cloze Test (10 points)

　　Directions: There are 10 blanks in the following passage. For each numbered blank, there are 4 choices marked A, B, C and D. Choose the best one and mark your answer on the ANSWER SHEET with a single line through the center.

　　76 good health insurance while you are studying overseas is a real _ 77_ to protect you from common or serious diseases that can wipe out not only your savings, 78 you dreams of an education abroad.

　　There are often two different types of health insurance you can _ 79 _ buying: international travel insurance and student insurance in the country 80 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 you are often given a list of doctors in the area where you will travel __81 may even speak your native language. The drawback might be that you aren't paid back for your medical 82 immediately. 83 , you may have to make all the payment 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 84 , you don't have to have sufficient cash to pay the entire bill at once.

　　Whatever you decide, obtaining some form of health insurance is something you should plan before you go overseas rather than waiting 85 you are sick with major medical bills to pay off.

　　76. A. Obtaining B. Ensuring C. Keeping D. Remaining

　　77. A. requirement B. demand C. necessity D. condition

　　78. A. and B. but C. also D. and also

　　79. A. think B. consider C. care D. choose

　　80. A. that B. which C. where D. to that

　　81. A. which B. that C. whom D. who

　　82. A. charges B. expenses C. payments D. fares

　　83. A. In a sense B. In simple words C. In other terms D. In other words

　　84. A. even though B. however C. thus D. even

　　85. A. till B. when C. while D. whereas