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1、 凯程考研集训营，为学生引路，为学员服务！第 1 页 共 3 页20172017 考研英语阅读每日精选：护理保险考研英语阅读每日精选：护理保险在考研英语中，阅读分数可谓是占到了总分的半壁江山，正所谓“得阅读者得考研”。 对于备考考研的同学们，在平时的复习中一定要拓展阅读思路，各类话题都要关注，这样 才能在整体上提升考研英语阅读水平!一起来学习吧!Care insurance护理保险Forever young前景光明Nobody wants to insure themselves against the costof end-of-life care没有人能保证他们不需要生命终期护理GOOD
2、news for cruise ships: the ranks of the over-65s grew by 1.4m over the past decade. But old age will not be kind to all of them. One inthree will develop dementia, around one in six will end up in a nursing or care home and nearlyhalf will need some form of care. Few will have laid plans to pay for
3、it.游轮迎来好消息啦：过去十年间 65 岁以上人群增加了 140 万人次。但如此高龄的年纪 却并不会善待每一位老人。其中有 1/3 的人会患老年痴呆，1/6 的老人会在护理之家或是在 护理中心走完人生的最后一程，而且有近一半的老人需要各种形式的护理。但几乎没人会 为护理制定支付计划。The average stay in a nursing home lasts 17 months and costs 57,000 (85,000) according tothe Centre for Economics and Business Research, a think-tank. People
4、 with assets under23,250 get most of their residential care paid for but everyone else is more-or-less on theirown, with the unluckiest facing bills as high as 200,000. Ever-attuned to the plight of elderlyvoters, the government is moving to change that. Next year it will put a cap of 72,000 on thes
5、um that a person will have to pay towards care, and will raise the means-testing thresholdfrom 23,250 to 118,000.据一智囊团英国经济和商业研究中心称，在护理之家平均停留时间长达 17 个月， 花费达 57000 欧元(合 85000 美金)。当不幸的面对高达 20 万欧元的护理费用之时，资产总 值不足 23250 欧元的人会免付家庭护理，但其他人或多或少都要自己支付了。曾面对过老 龄选民的费用困境，所以政府正在努力做改变。明年，政府将出台一项政策，没人必须支 付的护理费用总值最高为
6、72000 欧元，并且会将资产评估的阀值从 23250 欧元提升至 118000 欧元。The government had hoped that this reform would not just soothe elderly nerves but alsostimulate an insurance market for end-of-life care. Unfortunately, that is not happening.政府希望此项改革能够舒缓老年人的神经并且以生命终期护理来刺激保险市场。可惜， 现实太过骨感。Many people continue to assume, wr
7、ongly, that the NHS will pay, says Yvonne Braun from theAssociation of British Insurers. And most are overly optimistic about their health in old age,underestimating the risks and costs they will suffer. Joan Costa-Font, from the London Schoolof Economics, adds that the idea of care insurance seems
8、to conflict with social values. A kindof familial moral hazard kicks in, as people fear their children will no longer look after them ifthey are insured.凯程考研集训营，为学生引路，为学员服务！第 2 页 共 3 页来自英国保险协会的伊冯布劳恩表示，与政府期望恰恰相反，有很多人仍在持续为本 应 NHS(英国国民健康保险制度)承担的费用来买单。而且很大一部分人低估了他们将会承 担的风险和费用，所以他们对自己晚年健康表现的过度乐观。来自伦敦经济学院
9、的 Joan Costa-Font 补充道，护理保险这一说法似乎与社会价值观存在冲突。随着很多人担忧若是 他们投保之后他们的子女会将自己弃之不顾，一种类似家庭性的道德危机开始蔓延。Care costs are so hard to predict that insurers tend to protect themselves with big premiums,making insurance unaffordable. The governments new cap, which was supposed to sort thisout, comes with alarming cavea
10、ts. It does not include the cost of bed and board, which makesup a large chunk of care home costs. It is also up to local authorities to determine which carecounts towards the cap, meaning people may end up spending more after all. And the cap ishigher than the 25,000-50,000 recommended to the gover
11、nment by Andrew Dilnot, aneconomist who reviewed the market.护理费用的难以预测，也使得保险公司采取抬高保险费用来保护自己，而这些费用总 是昂贵的难以承受。政府最新出台的带有强烈警示意味条例的上限要求，目的就是解决这 一问题。保险费用并不包括食宿花费，而这正是护理中心花费的一大部分。同样，地方当 局决定那一项会触及政府的上限，这意味着人们终将结束过度支付的境况。一位名为安德 鲁迪尔洛特的经济学家，在重新审视过市场之后，向政府建议，上限要求高于 25000 欧元- 50000 欧元。According to the Institute a
12、nd Faculty of Actuaries, the real maximum of self-funded costsmight be around 140,000. “Like the rest of the industry, we couldnt make it pay,” saysStephen Lowe from Age UK, a charity that also sells insurance.据英国精算师协会表示，真实的自费费用最大值应该是在 140000 欧元左右。来自老年 英国英国老年人慈善机构的史蒂芬洛表示，“像其他老年人福利一样，我们本不用 为此买单。”If a
13、 care insurance market fails to materialise, alternatives will be available. Worried middle- aged folk might take out immediate-needs annuities, which give fixed care payouts for life inreturn for a lump sum. Some insurers are starting to offer a care element as part of their life- insurance policie
14、s. Zurich Insurance, one of Britains largest insurers, looked into offering care-only insurance but found that people much prefer a guaranteed payout over the “risk” of notneeding care and losing their premiums altogether. From next month it will offer a new policythat allows people to withdraw a po
15、rtion of their life insurance, which normally only pays outat death, as soon as they need care.若是一个护理保险市场无法成功立足，那么就会有其他的可供选择。令人担忧这些中 年人很可能会拿出他们眼前急需的养老金，而这笔养老金的一大部分是要为他们一生中固 定的保健支出来买单的。部分保险公司开始在他们的人寿保险政策中开辟出护理的部分。 全英最大的保险公司之一的苏黎世保险公司，曾致力于提供专门的护理保险，但其随后发 现，人们更倾向于无须护理保险和丢失保险金的“风险”保证费用。自下月起，该保险公 司会运行新政策
16、，一旦人们需要护理，允许他们撤回其人寿保险的一部分，这一部分通常 是为死亡支付的费用。From next month much will change for retirees, as the government drops the requirement tobuy annuities with private pension pots. The government hopes that people will use the newflexibility to plan for their old age, including the possibility that their final years will be spent ina nursing home rather than on the Costa del Sol. But Richard Sadler from Zurich points outthat 凯程考研集训营，为学生引路，为学员服务！第 3 页 共 3 页most peop
