[originaltext]W: (23)You need to make sure obtaining good health insurance befo

W: (23)You need to make sure obtaining good health insurance before you set off next month.
M: Well, is that a real necessity?
W: Sure. It will protect you from minor and catastrophic medical expenses that can wipe out not only your savings, but your dreams of an education abroad.
M: What’s your advice?
W: There are two different types of health insurance you can consider buying: international travel insurance and student insurance in the country where you will be going.
M: What is the International Travel Insurance? It sounds I need to travel a lot.
W: It 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 who may even speak your native language.
M: That’s quite good! Sometimes native language works better! But what is its drawback?
W: (24) It might be that you aren’t compensated for your medical expenses immediately. In other words, you may have to pay all your medical expenses and then later submit your receipts to the insurance company.
M: That’s the regular practice for insurance companies. (25)But it will be a heavy burden for me.
W: (25) You have another choice, getting student health insurance in the country where you will study. This might allow you to only pay a certain percentage of the medical cost at the time of service, and thus, you don’t have to have sufficient cash to pay the entire bill at once.
M: (25)Well, that sounds great.
23. What is the woman according to the conversation?
24. What is the disadvantage of the international travel insurance?
25. What will the man probably choose to do?