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Insurance
1. Insurance plays a central role in the functioning of modern economies. Life insurance offers protection against the economic impact of an untimely death; health insurance covers the sometimes extraordinary costs of medical care; and bank deposits are insured by the federal government. In each case a small premium is paid by the insured to receive benefits should an unlikely but high-cost event occur.
2. An understanding of insurance must begin with the concept of risk, or the variation in possible outcomes of a situation. A shipment of goods to Europe might arrive safely or might be lost in transit. A person may incur zero medical expenses in a good year, but if he is struck by a car, they could be upward of $100,000.
3. We cannot eliminate risk from life, even at extraordinary expense. Paying extra for double-hulled tankers still leaves oil spills possible. The only way to eliminate auto-related injuries is to eliminate automobiles. Thus, the effective response to risk combines two elements: efforts or expenditures to lessen the risk, and the purchase of insurance against the risk that remains.
Определите, какое утверждение соответствует содержанию текста.
Health insurance is provided by the federal government.
A shipment is insured by the state.
Life insurance is provided by the federal government.
Bank deposits are insured by the state.
