TOEIC Listening Part 3 — Soal
Bacaan
Woman: Hi Mark, it's Sarah from Apex Solutions. I'm calling regarding the revised terms we discussed last week.
Man: Ah, Sarah, yes. I’ve reviewed the document. There are a couple of points I wanted to clarify, specifically concerning the coverage limits for international excursions.
Woman: Understood. We want to ensure the policy is comprehensive. For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive. We believe it offers significant value, especially considering the robust protection details.
Man: I see. And how does this revised structure integrate with our existing corporate travel insurance policy for employees traveling domestically? We need seamless execution.
Woman: That's precisely what we aimed for. The new policy is designed to complement your current plan, offering enhanced benefits for international trips without complicating the existing framework. We can walk through the integration points if you like?
Soal
What is the woman's proposal for the executive package?
Pilihan
- A. A reduced premium with a higher deductible
- B. A competitive premium with an increased deductible ✓
- C. Enhanced benefits with a lower annual cost
- D. Complete overhaul of the existing travel insurance policy
Jawaban
B. A competitive premium with an increased deductible
Pembahasan
[KO]
📖 지문 해석 — Sarah는 Mark에게 지난주에 논의한 수정된 조건에 대해 APEX Solutions에서 전화했다고 말합니다. Mark는 국제 여행의 보장 한도에 대한 몇 가지 명확한 점을 요청합니다. Sarah는 임원 패키지의 경우 보험료는 경쟁력 있게 유지하면서 자기부담금을 증가시켰다고 제안합니다.
📝 정답 이유 — Sarah는 "For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive."라고 명시적으로 말합니다. 이는 정답인 "A competitive premium with an increased deductible"를 직접적으로 뒷받침하는 내용입니다.
💡 실전팁 — Part 3에서는 화자가 ��안하는 내용이나 변경 사항을 묻는 질문에 주의하세요. 'propose', 'suggest', 'recommend', 'offer'와 같은 동사 뒤에 오는 내용을 잘 들어야 합니다.
📊 오답분석 — X) A reduced premium with a higher deductible — Sarah는 자기부담금 증가와 함께 'competitive premium'(경쟁력 있는 보험료)를 언급했지, 보험료가 낮아진다고 말하지 않았습니다. X) Enhanced benefits with a lower annual cost — 지문에는 혜택이 강화되었다는 명시적인 언급이 없으며, 연간 비용이 낮아진다는 말도 없습니다. X) Complete overhaul of the existing travel insurance policy — 대화는 기존 여행 보험 정책의 일부 조건에 대한 논의이지, 완전한 개편에 대한 내용은 아닙니다.
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[JA]
📖 本文の和訳 — SarahはMarkに、先週話し合った修正された条件についてApex Solutionsから電話していると伝えます。Markは、海外旅行の補償限度額についていくつか明確にしたい点があると述べます。Sarahは、エグゼクティブパッケージについては、年間保険料は競争力のある価格を維持したまま、自己負担額を増額することを提案したと説明します。
📝 정답 이유 — Sarahは「For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive.」と明確に述べています。これは、正解である「A competitive premium with an increased deductible」を直接裏付けています。
💡 실전팁 — Part 3では、登場人物が提案する内容や変更点についての質問に注意してください。「propose」、「suggest」、「recommend」、「offer」などの動詞の後に続く内容を注意深く聞きましょう。
📊 오답분석 — X) A reduced premium with a higher deductible — Sarahは自己負担額の増加とともに「competitive premium」（競争力のある保険料）に言及しましたが、保険料が下がったとは述べていません。 X) Enhanced benefits with a lower annual cost — 補償内容が強化されたという明確な言及はなく、年間費用が低くなったという説明もありません。 X) Complete overhaul of the existing travel insurance policy — 会話は既存の旅行保険ポリシーのいくつかの条件に関する議論であり、完全な見直しについては触れていません。
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[TH]
📖 การแปลบทอ่าน — ซาร่าห์แจ้งมาร์กว่าเธอโทรจาก Apex Solutions เกี่ยวกับเงื่อนไขที่แก้ไขซึ่งได้หารือกันเมื่อสัปดาห์ที่แล้ว มาร์กกล่าวว่าเขามีบางประเด็นที่ต้องการชี้แจงเกี่ยวกับการจำกัดความคุ้มครองสำหรับการเดินทางไปต่างประเทศ ซาร่าห์เสนอว่าสำหรับแพ็คเกจผู้บริหาร พวกเขาได้เพิ่มค่าเสียหายส่วนแรก แต่เบี้ยประกันรายปีก็ยังคงแข่งขันได้
📝 정답 이유 — ซาร่าห์กล่าวอย่างชัดเจนว่า "For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive." ซึ่งสนับสนุนคำตอบที่ถูกต้อง "A competitive premium with an increased deductible" โดยตรง
💡 실전팁 — สำหรับ Part 3 ให้สังเกตคำถามที่เกี่ยวกับข้อเสนอหรือการเปลี่ยนแปลงที่ผู้พูดนำเสนอ ฟังให้ดีว่าหลังจากคำกริยาเช่น 'propose', 'suggest', 'recommend', 'offer' มีอะไรตามมา
📊 오답분석 — X) A reduced premium with a higher deductible — ซาร่าห์กล่าวถึง 'premium ที่แข่งขันได้' (competitive premium) พร้อมกับการเพิ่มค่าเสียหายส่วนแรก (increased deductible) แต่ไม่ได้บอกว่าเบี้ยประกันลดลง X) Enhanced benefits with a lower annual cost — บทสนทนาไม่ได้ระบุอย่างชัดเจนว่าสิทธิประโยชน์ได้รับการปรับปรุง และไม่มีการกล่าวถึงต้นทุนรายปีที่ต่ำลง X) Complete overhaul of the existing travel insurance policy — การสนทนาเป็นการหารือเกี่ยวกับเงื่อนไขบางประการของนโยบายประกันการเดินทางที่มีอยู่ ไม่ใช่เกี่ยวกับการปรับปรุงทั้งหมด
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[VI]
📖 Dịch đoạn văn — Sarah gọi cho Mark từ Apex Solutions để nói về các điều khoản đã sửa đổi đã thảo luận vào tuần trước. Mark đề cập rằng anh ấy có một vài điểm cần làm rõ về giới hạn bảo hiểm cho các chuyến đi quốc tế. Sarah đề xuất rằng đối với gói điều hành (executive package), họ đã tăng khoản khấu trừ, nhưng phí bảo hiểm hàng năm vẫn có tính cạnh tranh.
📝 Lý do chọn đáp án — Sarah nói rõ ràng: "For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive." Điều này trực tiếp hỗ trợ cho đáp án đúng là "A competitive premium with an increased deductible".
💡 Mẹo làm bài thi — Trong Phần 3, hãy chú ý đến các câu hỏi về đề xuất hoặc thay đổi mà người nói đưa ra. Lắng nghe cẩn thận những gì theo sau các động từ như 'propose', 'suggest', 'recommend', 'offer'.
📊 Phân tích đáp án sai — X) A reduced premium with a higher deductible — Sarah đề cập đến 'phí bảo hiểm cạnh tranh' (competitive premium) kèm theo việc tăng khoản khấu trừ (increased deductible), chứ không nói rằng phí bảo hiểm bị giảm. X) Enhanced benefits with a lower annual cost — Đoạn văn không đề cập rõ ràng rằng lợi ích được tăng cường và cũng không nói về chi phí hàng năm thấp hơn. X) Complete overhaul of the existing travel insurance policy — Cuộc trò chuyện đang thảo luận về một số điều khoản của chính sách bảo hiểm du lịch hiện có, không phải về việc xem xét lại hoàn toàn.
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[ID]
📖 Terjemahan teks bacaan — Sarah menelepon Mark dari Apex Solutions mengenai persyaratan yang direvisi yang didiskusikan minggu lalu. Mark menyebutkan bahwa dia memiliki beberapa poin yang ingin diklarifikasi mengenai batas pertanggungan untuk perjalanan internasional. Sarah mengusulkan bahwa untuk paket eksekutif, mereka telah mengusulkan peningkatan biaya deductible, tetapi premi tahunan tetap cukup kompetitif.
📝 Alasan memilih jawaban — Sarah secara eksplisit menyatakan, "For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive." Pernyataan ini secara langsung mendukung jawaban yang benar, yaitu "A competitive premium with an increased deductible".
💡 Tip saat ujian — Untuk Bagian 3, perhatikan pertanyaan tentang proposal atau perubahan yang diajukan oleh pembicara. Dengarkan baik-baik apa yang mengikuti kata kerja seperti 'propose', 'suggest', 'recommend', 'offer'.
📊 Analisis pilihan jawaban salah — X) A reduced premium with a higher deductible — Sarah menyebutkan 'premi kompetitif' (competitive premium) sebagai imbalan atas peningkatan deductible, bukan penurunan premi. X) Enhanced benefits with a lower annual cost — Teks tidak secara eksplisit menyatakan bahwa manfaat ditingkatkan, juga tidak menyebutkan biaya tahunan yang lebih rendah. X) Complete overhaul of the existing travel insurance policy — Percakapan tersebut membahas beberapa ketentuan polis asuransi perjalanan yang ada, bukan perombakan total.
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[MS]
📖 Terjemahan petikan — Sarah menghubungi Mark dari Apex Solutions mengenai terma yang disemak semula yang dibincangkan minggu lepas. Mark menyebutkan bahawa beliau mempunyai beberapa perkara yang ingin dijelaskan mengenai had perlindungan untuk perjalanan antarabangsa. Sarah mencadangkan bahawa untuk pakej eksekutif, mereka telah mencadangkan peningkatan deductible, tetapi premium tahunan kekal cukup kompetitif.
📝 Sebab pemilihan jawapan — Sarah secara nyata menyatakan, "For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive." Kenyataan ini secara langsung menyokong jawapan yang betul, iaitu "A competitive premium with an increased deductible".
💡 Petua semasa ujian — Untuk Bahagian 3, beri perhatian kepada soalan tentang cadangan atau perubahan yang dibentangkan oleh penutur. Dengarkan dengan teliti apa yang mengikuti kata kerja seperti 'propose', 'suggest', 'recommend', 'offer'.
📊 Analisis pilihan jawapan salah — X) A reduced premium with a higher deductible — Sarah menyebutkan 'premium yang kompetitif' (competitive premium) sebagai balasan kepada peningkatan deductible, bukan pengurangan premium. X) Enhanced benefits with a lower annual cost — Petikan tidak secara eksplisit menyatakan bahawa faedah telah dipertingkatkan, juga tidak menyebutkan kos tahunan yang lebih rendah. X) Complete overhaul of the existing travel insurance policy — Perbualan tersebut adalah mengenai beberapa terma polisi insurans perjalanan sedia ada, bukan tentang rombakan menyeluruh.
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[PT-BR]
📖 Tradução da passagem — Sarah liga para Mark da Apex Solutions sobre os termos revisados discutidos na semana passada. Mark menciona que tem alguns pontos que gostaria de esclarecer sobre os limites de cobertura para excursões internacionais. Sarah propõe que, para o pacote executivo, eles aumentaram a participação do segurado (dedutível), mas em troca, o prêmio anual permanece bastante competitivo.
📝 Razão da escolha da resposta — Sarah afirma explicitamente: "For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive." Isso apoia diretamente a resposta correta: "A competitive premium with an increased deductible".
💡 Dica para o dia da prova — Na Parte 3, preste atenção às perguntas sobre propostas ou mudanças apresentadas pelo falante. Ouça atentamente o que vem após verbos como 'propose', 'suggest', 'recommend', 'offer'.
📊 Análise das opções incorretas — X) A reduced premium with a higher deductible — Sarah menciona um 'prêmio competitivo' (competitive premium) em troca de um aumento no dedutível, não uma redução no prêmio. X) Enhanced benefits with a lower annual cost — A passagem não afirma explicitamente que os benefícios foram aprimorados, nem menciona um custo anual mais baixo. X) Complete overhaul of the existing travel insurance policy — A conversa é sobre alguns termos de uma apólice de seguro de viagem existente, não sobre uma reformulação completa.
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[MY]
📖 ကျမ်းစာသားဘာသာပြန် — Sarah က Apex Solutions မှ Mark ထံသို့ လွန်ခဲ့သည့် သီတင်းပတ်က ဆွေးနွေးခဲ့သော ပြင်ဆင်ထားသော သဘောတူညီချက်များနှင့် ပတ်သက်၍ ဖုန်းခေါ်ဆိုခဲ့ကြောင်း ပြောကြားခဲ့သည်။ Mark က နိုင်ငံတကာ ခရီးစဉ်များအတွက် အာမခံ ကန့်သတ်ချက်များနှင့် ပတ်သက်၍ ရှင်းလင်းလိုသည့် အချက်အချို့ ရှိကြောင်း ပြောကြားခဲ့သည်။ Sarah က အမှုဆောင် ပက်ကေ့ခ်ျအတွက် ပေးဆောင်ရမည့် ပမာဏကို တိုးမြှင့်ရန် အဆိုပြုထားသော်လည်း နှစ်စဉ် ပေးဆောင်ရသည့် ငွေပမာဏမှာ ယှဉ်ပြိုင်နိုင်ဆဲဖြစ်ကြောင်း ပြောကြားခဲ့သည်။
📝 အဖြေရွေးချရခြင်းအကြောင်းရင်း — Sarah က "For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive." ဟု အတိအလင်း ပြောကြားခဲ့သည်။ ဤအချက်သည် "A competitive premium with an increased deductible" ဟူသော မှန်ကန်သည့် အဖြေကို တိုက်ရိုက် ထောက်ကူပေးသည်။
💡 စာမေးပွဲအတွက် အကြံပြုချက် — အပိုင်း 3 တွင်၊ ပြောသူမှ တင်ပြသော အဆိုပြုချက်များ သို့မဟုတ် ပြောင်းလဲမှုများနှင့် ပတ်သက်သော မေးခွန်းများကို သတိပြုပါ။ 'propose', 'suggest', 'recommend', 'offer' စသည့် ကြိယာများနောက်တွင် ပါလာသည့်အရာများကို ဂရုတစိုက် နားထောင်ပါ။
📊 မှားယွင်းသော ရွေးချယ်မှုများ ခွဲခြမ်းစိတ်ဖြာ — X) A reduced premium with a higher deductible — Sarah က တိုးမြှင့်ထားသော ပေးဆောင်ရမည့် ပမာဏနှင့်အတူ 'ယှဉ်ပြိုင်နိုင်သော ပေးဆောင်ရမည့် ငွေပမာဏ' (competitive premium) ကို ဖော်ပြထားသော်လည်း ပေးဆောင်ရမည့် ငွေပမာဏ လျှော့ချကြောင်း မပြောခဲ့ပါ။ X) Enhanced benefits with a lower annual cost — ကျမ်းစာသားတွင် အကျိုးခံစားခွင့်များ တိုးမြှင့်ကြောင်းကိုလည်းကောင်း၊ နှစ်စဉ် ကုန်ကျစရိတ် လျှော့ချကြောင်းကိုလည်းကောင်း အတိအလင်း မဖော်ပြပါ။ X) Complete overhaul of the existing travel insurance policy — ဆွေးနွေးမှုသည် လက်ရှိ ခရီးသွား အာမခံ မူဝါဒ၏ အစိတ်အပိုင်းတချို့နှင့် ပတ်သက်ပြီး၊ လုံးလုံးလျားလျား ပြန်လည်ပြုပြင်မှုနှင့် မသက်ဆိုင်ပါ။
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[ZH-TW]
📖 文章翻譯 — 女: 你好，Mark，我是 Apex Solutions 的 Sarah。我打電話是關於我們上週討論過的修訂條款。
男: 啊，Sarah，是的。我已經看過這份文件了。有幾點我想釐清，特別是關於國際旅遊的保障上限。
女: 了解。我們希望確保保單是全面的。針對 executive package（貴賓方案），我們建議提高自��額，但相對地，年保費仍然非常有競爭力。我們相信它具有相當大的價值，特別是考量到穩固的保障細節。
男: 我明白了。那...
📝 答案解析 — 正確答案是「A competitive premium with an increased deductible」（具競爭力的保費，但自負額提高）。對話中，女性明確提到「For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive.」（針對貴賓方案，我們建議提高自負額，但相對地，年保費仍然非常有競爭力。）這直接對應了選項。
💡 應試技巧 — 聽到問句後，立即鎖定關鍵字「executive package」，然後快速掃描選項中的「premium」（保費）和「deductible」（自負額）相關描述，並仔細聆聽它們之間的關聯性（提高/降低，具競爭力/昂貴）。
📊 錯誤選項分析 —
A) A reduced premium with a higher deductible（降低的保費，但自負額提高）— 對話中提到保費「remains quite competitive」（仍然非常有競爭力），並未說明降低。
C) Enhanced benefits with a lower annual cost（增強的福利，但年成本較低）— 對話中並未提及福利增強，且強調的是「increased deductible」（自負額提高）換取具競爭力的保費，而非總體成本降低。
D) Complete overhaul of the existing travel insurance policy（對現有旅遊保險政策進行全面性改革）— 對話僅聚焦於 executive package 的部分條款修訂，並未提及對整個政策進行全面改革。
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[EN]
📖 Passage translation — Sarah is calling Mark from Apex Solutions regarding revised terms discussed last week. Mark mentions he has a couple of points to clarify concerning coverage limits for international excursions. Sarah proposes that for the executive package, they've increased the deductible, but in return, the annual premium remains quite competitive.
📝 Why this answer — Sarah explicitly states, "For the executive package, we've proposed an increased deductible, but in return, the annual premium remains quite competitive." This directly supports the correct answer, "A competitive premium with an increased deductible."
💡 Test-day tip — For Part 3, pay close attention to questions about proposals or changes presented by the speaker. Listen carefully to what follows verbs like 'propose', 'suggest', 'recommend', 'offer'.
📊 Wrong-option analysis — X) A reduced premium with a higher deductible — Sarah mentions a 'competitive premium' alongside an increased deductible, not a reduced premium. X) Enhanced benefits with a lower annual cost — The passage does not explicitly state that benefits were enhanced, nor does it mention a lower annual cost. X) Complete overhaul of the existing travel insurance policy — The conversation is about some terms of an existing travel insurance policy, not a complete overhaul.