International airfare, health insurance, the physical exam requirement, and any study abroad service fees are not included.

国际机票费用、健康保险、体检费和其它海外学习费用不包括在奖学金内。

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This is similar to the exam used to screen life insurance applicants.

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When private insurance does pay, it typically covers the cost of an exam to assess hearing loss, and that's about it.

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