王某于2007年12月买了一张医疗费用保险单，该保单日历年度免赔额为600元，并包含一个20%的比例分摊条款和5000元的止损条款。王某在2008年5月发生保险责任范围内的医疗费用为200元，则保险人应承担的医疗费用是( )元。
A．0
B．200
C．240
D．300
参考答案：A
解析： 实际发生的医疗费用200元低于日历年度免赔额600元，因此应全部由王某承担，即保险人不承担医疗费用。
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| A serious car crash leads one woman to rediscover her faith in human kindness. In March last year, the car I was driving was_1_in a serious crash with another car on a country road. I soon_2_myself at the centre of a frenzy of activity, surrounded by paramedics, police, rescuers and members of the local community. An enormous can opener was used to 3 me out of my wrecked car and 4 an ambulance. Over the next eight hours, I was transported to hospital, dragged up, Xrayed and diagnosed (诊断) with a broken neck. Knowing that I'd 5 death by a fraction of a second sustained me throughout the long wait in the emergency ward and 6 me to deal with the visible distress of my hospital visitors. Only after I'd convinced the last friend to 7 could I direct my energies inwards. Flitting in and out of my line of vision during my hospital 8 was the Red Cross lady, a gentle 9 in white who, from time to time, popped her head in to 10 cups of tea. After the visitors had gone, she ventured further into my cubicle to 11 if I was all right. I found myself 12 her everything: about the shock of the 13 , my feats for my family as a result of my injuries-about my whole life. While I 14 for an ambulance to transport me to another hospital, she stood by my trolley and 15 my hand as I offloaded all the emotion I'd stoically withheld (强忍着的) from my family. She 16 , quiet and nonjudgmental. Even now, the 17 that I have her contact details provides me with great 18 . I look forward to a day in the nottoodistant future when my guardian angel and I can meet again, in 19 circumstances. In times of crisis, faith can sustain us: for me, my faith in human nature, reawakened by the 20 of a stranger, has helped ease my journey back to recovery. | ||||
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