MaxiMedcare Let this contract list the minor pre-existing conditions as follows: Migraine headache, mild and infrequent with no emergency room visits

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1 Main Topic10: Health Care ( 健康管理 ) Lesson 59: Medical Insurance (14-21 minutes)( 医療保険 ) Today, you will practice your Reading and Listening Skills as you study texts related to MEDICAL INSURANCE. ( 今日は 医療保険 についての読解 聴解について練習しましょう ) I. READING ( 読解 ) Exercise 1: What s missing? (5-6 minutes) ( 穴埋め問題 ) Read the following INSURANCE CONTRACT carefully. Choose the best word that would fill in the blanks. ( 次の保険契約書をよく読み 下線部にあてはまる最も適切な語彙を選びましょう ) The insurance policy holder should know the following: If the insured had a pre-existing condition (i.e. a health problem in the past that the insured has recovered from or have not experienced the symptoms for some time), the insured person of MaxiMedcare shall pay a higher. 1. a. limit( 限界 ) b. service( サービス ) c. payment( 支払 ) d. premium( 保険掛け金 ) The company also the right to limit benefit packages and/or products. 2. a. is( です 三人称単数 ) b. had( 持った ) c. has( 持つ 三人称単数 ) d. have( 持つ ) MaxiMedcare also has the right to enforce such limitation mentioned above for minor health problems the insured had or may currently have. 3. a. onwards( 前方へ ) b. presently( 現在 ) c. currently( 現在 ) d. previously( 以前 ) Page 1

2 MaxiMedcare Let this contract list the minor pre-existing conditions as follows: Migraine headache, mild and infrequent with no emergency room visits Ringworm Joint sprain or strain, recovered and no restrictions Mild depression Breast implants (non-silicone) Ear infections, controlled with medications Allergies, while testing is in process 被保険加入者は 次の内容を把握していなければなりません 被加入者が契約前発病歴 ( 被保険者が契約前すでに持っていた健康上の欠陥 ) を持っていた場合 マキシメディケアの被保険者は増額された保険料を払わなくてはならなりません また企業はその諸手当 商品を制限する権利を持っています マキシメデイケアは 被保険者が以前に持っていた もしくは現在も有る健康問題に関係する上記の制限を実行する権利があります ( 本契約に次のような小さい症状も含まれています ) 緊急を要しない 穏やかな低頻度の片頭痛 白癬 関節捻挫や過労 軽いうつ症状 胸インプラント ( シリコン無 ) 耳の感染症 ( 薬物投与によって処方されたもの ) 検査が進行中のアレルギー Page 2

3 Exercise 2: Reading Check-up ( 読解理解度チェック ) (3-5 minutes) Answer the following questions based on the previous text. ( 上記の文章に関する次の質問に答えましょう ) 1. According to the article, what is a so-called pre-existing condition? ( 記事によると 契約前発病歴 とは何ですか?) a. A health problem that the insured person has( 保険被加入者が抱えている健康問題 ) b. A health problem that the insured person will have( 保険被加入者が抱えているかもしれない 健康問題 ) c. A health problem that the insured person must have( 保険被加入者が抱えているはずの健康 問題 ) d. A health problem that the insured person cannot have( 保険被加入者が持るわけが無い健康 問題 ) 2. At which situation will the insured pay a higher premium to MaxiMedcare? ( どの状態で 被保険者はマキシメディケアに高い保険料を払うことになりますか?) a. If the insured is in a healthy condition( 被保険者が健康状態の時 ) b. If the insured has a pre-existing condition( 被保険者に 持病の状態が出た時 ) c. If the employer is paying a quarter of the premium only( 雇用主が掛け金の 1/4 しか払わな い時 ) d. If the employer is paying only 40% of the policy holder s plan( 雇用主が規約の 40% しか払 わない時 ) 3. What happens if the insured has an ear infection before contracting with the insurance company? ( 被保険者が保険会社と契約する前に耳の感染症にかかった時はどうなりますか?) a. The company will pay only 10%( 企業が 10% のみ支払う ) b. The insurance company will not pay( 保険会社は支払わない ) c. The insurance company may extend benefit packages or products ( 保険会社は商品を延長するだろう )) d. The insurance company will increase the policy holder s premium ( 保険会社は保険契約者の掛け金を上げるだろう ) Page 3

4 II. LISTENING ( 聴解 ) Exercise 1: What s in the photo? (1-2 minutes)( 何についての写真でしょうか?) Study the following picture carefully. Then listen to the audio clip that follows. ( 写真をよく見て下さい そして下にある音声を聞いてみましょう ) Question: Which of the following statements is true about the picture? ( 写真について どの文章が正しいですか?) AUDIO 1 Exercise 2: Listening Text (1-2 minutes) Listen to the following audio clip once then try to answer the exercises that follow. ( 音声を聞いて 続く練習問題に答えましょう ) AUDIO 2 Page 4

5 Exercise 3: Answering Questions (4-6 minutes)(( 質問に対する回答 )) Read the following questions about the audio clip then choose the best answer from the four choices. You may opt to listen to the clip one more time with your tutor. ( オーディオクリップで聞いた内容について 次の質問を読み 4 つの選択肢から適切な回答を選びましょう 講師と一緒にもう一度オーディオクリップを読むこともできます ) 1. Why did the woman see the doctor? ( 何故女性は医者に診てもらったのですか?) a. For a surgery( 手術のため ) b. For a follow-up( 経過観察のため ) c. For a dental check( 歯の検査のため ) d. For a routine check( 定期検査のため ) 2. Why did she choose the doctor to conduct her check up? ( 何故彼女は検査の実施にその医者を選んだのですか?) a. The doctor was Marie s friend.( その医者がマリーの友達だった ) b. The doctor was a famous specialist.( その医者が有名な専門家だった ) c. The doctor was referred by another patient.( その医者を他の患者から勧められた ) d. The doctor was a contracted provider of her medical plan.( その医者は 彼女の医療プランによって契約された医療提供者だった ) 3. What was the name of medical plan provider? た医療プランの提供者は誰でしたか?) a. Maxicare b. Medicare c. MaxMed d. MaxiMedcare 4. Why does the doctor want the patient to consult the insurance company for the coverage on laboratory works? ( 何故医者は研究室での作業の保障について その患者に保険会社に相談をして欲しいのですか?) a. The doctor wants to make sure she will get paid.( 医者は 彼女が補償されるか確かにしたい ので ) b. The insurance company only covers routine checks. ( 保険会社は定期検査だけを保障するか ら ) c. The insurance company may not cover it because of a pre-existing condition. ( その保険は 契約前発病歴 は補償対象でないため ) d. The doctor wants a full detail of her out-of-pocket limitation and premium. ( 医者は 彼女の自己負担限度額と保険料の詳細が欲しいので ) Page 5

6 5. What did the woman have to do for laboratory procedures to be covered by the insurance company? ( 彼女は保険会社によって補償される研究室での作業について何をしなければならなかったのですか?) a. She had to pay a higher premium.( 高額の掛け金を払わなければならなかった ) b. She had to convince the doctor to do it.( 医者を説得しなければならなかった ) c. She had to negotiate it with an insurance agent.( 保険代理店を交渉しなければならなかった ) d. She had to pay 20% of what would be her billed charges.( 彼女の請求額の 20% を払わなけ ればならなかった ) Page 6

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