告诉我是否我需要购买外国学生保险。

　　I'd like to know whether basic health insurance coverage should include benefits for outpatient， hospital， surgery and medical expenses.

　　我想知道基本健康保险所列的项目是否应包括医院门诊，住院，手术及药品等费用的赔偿。

　　Will you please tell me where I can purchase health insurance？

　　请告诉我在何处能买到健康保险？

　　Health insurance is merely a mean by which people pool money to guard against the sudden economic consequences of sickness or injury.

　　健康保险就是筹集一些钱以预防疾病或受伤而突然发生的经济困难。

　　"Major medical" insurance policies are designed to help offset heavy medical expenses that can result from a prolonged illness or serious injury.

　　“巨额医药费保险”旨在协助减轻久病及重伤所造成的重大医药开支。

　　If the benefits provided under a certain policy have a dollar limitation for each service， you should determine whether these limitations are realistic.

　　如果某一家保险公司的健康保险对每种服务定有赔偿限额，你应断定这些限额是否合乎实际。