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依照国际劳工局的定义，医疗保险又称为健康保险，它包括意外保险、疾病保险、意外死亡残废保险和（）。

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简答题职工福利的基本特征主要有哪些方面？

福利型社会保障制度

According to Shanghai Daily on February 19, Shanghai Telecom (上海电信公司) started to supply the 2004 version of its "Shanghai Yellow Pages" yesterday for free to its subscribers(用户). The 1700-page directory(电话簿),which has an English index, offers discount coupons (折扣券) for dining and beauty-care services. It also offers a "Working Guide" and "Life Guide" column. The company estimated more than 700,000 copies of the yellow pages will be distributed.

More （and） 90 percent of the calcium in the （human） body （is） in （the） skeleton.（）

A. and
B. human
C. is
D. the