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《保险与生活》期末测试题(3稿)

《保险与生活》期末测试题(3稿)
《保险与生活》期末测试题(3稿)

《保险与生活》期末测试题(开卷)

第四讲——第七讲

班级姓名学号成绩

说明:1. 满分40分,附加题的得分用以抵补不足

2. 请正反打印,并于12月24日下课后提交

一、选择题(每小题1分,共25分,答案必须写在横线上)

1.现代保险是从发展而来的。

A.海上保险B.火灾保险C.人寿保险D.责任保险2.从保险合同的性质看,责任保险合同具有_____ _性质。

A.安全性B.投资性C.补偿性D.给付性3.我国的投资连结保险是一种。

A.分红保险B.变额寿险C.万能寿险D.生存保险4.责任保险产生与发展的特定基础是。

A.风险的存在B.经济的发展C.法律制度的完善D.风险意识的提高5.我国机动车辆全车盗抢险规定,保险车辆全车失窃,经县以上公安部门立案查实,满一定期限未查明下落,保险人予以赔付,这一期限为。

A.半年 B. 三个月 C.两个月 D.一个月

6.当事人对交通事故责任认定不服的,可在接到责任认定书天内向上一级公安机关申请重新认定。

A.30 B.15 C.10 D.7

7.普通财产保险是在保险的基础上不断扩大责任范围而形成的。

A.海上B.火灾C.特约D.专项

8.在定期寿险中,如果在保险期限结束时被保险人仍然生存,则。

A.不给付保险金,但返还保费B.给付保险金,也返还保费

C.给付保险金,但不返还保费D.不给付保险金,也不返还保费9.在终身寿险中,死亡保险金的给付为事件。

A.可能B.偶然C.必然D.意外

10.雇主责任保险的被保险人是。

A.雇员B.雇员的家属C.雇主D.受害人11.保险人必然要给付保险金的险种是。

A.定期死亡保险B.定期年金保险

C.普通意外伤害保险D.两全保险

12.人寿保险的被保险人或者受益人,对保险人请求给付保险金的权利,其索赔时效

为。

A.3年B.4年C.5年D.7年13.关于现代保险业形成与发展,下列说法中正确的是。

A.人身保险先于财产保险B.陆地保险先于海上保险

C.共同海损分摊原则是海上保险的萌芽D.责任保险先于人身保险14.关于健康保险合同的被保险人,下列说法正确的是。

A.被保险人可以是自然人或法人B.被保险人须有完全民事行为能力

C.被保险人享有保险金请求权D.一个保险合同只能有一个被保险人15-17题为套题:王某于2006年8月与甲保险公司签订一份人寿保险合同,被保险人为其18周岁的儿子王小某,受益人为王某和其妻何某。至2009年8月王某已支付了3年的保险费。

15.假使王某与甲保险公司签订合同时仅口头征求了王小某的同意,并未得到王小某的书面同意并认可保险金额,则以下说法正确的是。

A.由于缺少王小某的书面同意并认可的保险金额,合同无效

B.合同不成立C.保险公司有权解除合同D.该人身保险合同合法有效16.假使王某与甲保险公司在签订合同时故意隐瞒王小某曾患白血病的事实,2009年9月20日,王小某因白血病住院治疗,9月24日王某向甲保险公司提出给付保险金请求,9月25日,甲保险公司在核赔时发现了这一情况,则以下说法错误的是。

A.合同成立已逾两年,甲保险公司不得以此解除合同

B.甲保险公司不承担给付保险金责任

C.甲保险公司有权解除合同且不退还保费

D.甲保险公司有权解除合同,但在2009年10月30日前不行使则权利消灭17.假使《保险法》颁布之后,2009年9月2日,何某因欠赌博巨债,为了获得巨额保险金,故意制造保险事故导致王小某死亡,2009年9月10日,王某向保险公司提出给付保险金的请求,甲保险公司拒绝了王某的请求,以下说法正确的是。

A.保险公司有权解除合同,并不承担给付保险金的责任

B.保险公司无权解除合同,应按合同约定给付保险金

C.保险公司有权解除合同,并不退还任何费用

D.保险公司有权解除合同,并向受益人退还保单的现金价值

18.影响人寿保险费率的因素是。

A.生命表B.预定利率C.毛费率D.预定费用率E.附加费率19.保险理赔程序根据不同的险种和案情而定,一般需经过登记立案、单证审核,除这两项程序外,还包括。

A.现场勘查B.及时通知C.责任审定D.赔款计算E.赔付结案

20.非寿险包括的险种有。

A.财险B.人身险C.健康险D.人身意外伤害险E.责任保证险21.家财险的保险对象是。

A.个体工商户的自有财产B.合作经营组织的共有财产

C.单位职工、城乡居民自有或共有财产D.家庭手工业者的自有财产

E.夫妻店的财产

22.职业责任保险的被保险人可以是。

A.药剂师B.设计师C.讲师D.经纪人E.司机23.某人将其自有的富康轿车投保机动车辆第三者责任险。在保险期间内,被保险人因驾驶不慎与另一车辆发生碰撞事故,造成对方车上一人重伤,同时本车上一名搭车者受伤,交通部门裁定本车负全责。此事故中本车保险人承担的赔偿责任有。

A.对方车上受伤者的医疗费B.对方车上受伤者的精神损失费

C.本车搭乘者的医疗费D.对方车辆的损失 E.本车的损失

24. 为鼓励被保险人及其驾驶人员安全行车,机动车辆保险条款规定保险公司实行“无赔款优待”方法,享受优待必须具备的条件是。

A.保险期限内无赔款B.保险金额不变C.保险期限满一年

D.保险到期办理续保E.折扣比例视车辆价格而定

25. 保险销售人员在为顾客设计保险方案时应该首先考虑。

A.是否具有社会保险B.年龄C.职业D.经济能力

二、判断题(每小题1分,共15分,答案必须填在括号内)

1.保险金额大于保险价值的保险是超额保险。()2.强制保险是保险人强迫投保人参加保险。()3.商品经济的发展是保险发展的物质条件。()4.在信用保证保险中,保险人实际上充当了保证人的角色。()5.责任保险是对致害人提供的一种保险。()6.人身保险与寿险为同义语。()7.商业保险属于收费保险,社会保险属于免费保险。()8.私人企业必须投保家庭财产保险。()

9. 驾驶员酒精含量60MG/100ML即为醉酒驾驶。()

10.家庭财产长效还本保险的保险期限在签署合同时订的是无限期()11.逆选择是指身体健康状况好的人积极投保死亡保险的一种倾向。()

12. 某营业货车投保车上人员险,后该车托运袋装水泥散放未超载,搬运工直接坐在水泥上,急转弯时由于水泥滑落导致搬运工落地摔死,不属于保险责任。()

13. 一辆车在停放期间其车上的蓄电池被盗,这属于盗抢险的赔偿范围。()

14. 某营业货车投保车上人员险,后该车托运袋装水泥散放未超载,搬运工直接坐在水泥上,急转弯时由于水泥滑落导致搬运工落地摔死,不属于保险责任。()15.寿险中,体重是与健康有关的风险因素之一。在其他条件一定的情况下,超重或偏轻的被保险人都将交纳更多的保费。()

三、附加题:(每小题1分,共5分)

1.个人健康保险承保所要考虑的风险因素包括。

A.年龄B.职业C.逆选择D.道德危险因素E.受益人2.与健康保险相比,人寿保险更多地考虑。

A.可保利益B.年龄职业C.逆选择D.道德危险因素3.投保人既是被保险人,又是受益人的人身保险是。

A.健康保险B.两全保险C.意外保险D.人寿保险4.保险理赔的原则是。

A.重合同、守信用B.实事求是C.主动、迅速、准确、合理

D.经常、及时、有效E.以理赔促展业

5.被保险人或受益人在损失通知后应该向保险人提供索赔必须的各种单证。人寿保险的死亡索赔单证包括。

A.保险单原件B.受益人的身份证和户籍证明C.损失报告

D. 最后一期的缴费收据

E. 公安机关出具的死亡证明

经济学院保险学主讲教师高薏提供

2015年12月15日

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人教版八年级英语下册unit3单元测试题

第三单元检测卷 时间:120分钟满分:120分 听力部分(25分) Ⅰ.听句子,选出与句子意思相符的图片。听两遍。(5分) A B C D E 1.______ 2.______ 3.______ 4.______ 5.______ Ⅱ.听五段短对话和问题,根据对话内容选择正确的答案。听两遍。(5分) ()6.A.Tiring. B.Boring. C.Fun. ()7.A.Jerry's brother. B.Lucy's sister. C.The boy's sister. ()8.A.He has no time. B.He hates to do the dishes. C.He doesn't like to do his homework. ()9.A.Because it doesn't work. B.Because Danny is going to work on it. C.Because Danny lent it to others. ()10.A.Sandy. B.Bill. C.Peter. Ⅲ.听两段长对话,选择正确的答案。听两遍。(5分) 听第1段材料,回答第11~12小题。 ()11.How often does Tom clean the room? A.Every day. B.Three times a day. C.Three times a week. ()12.Did Amy clean her room this morning? A.Yes,she did. B.No,she didn't. C.We don't know. 听第2段材料,回答第13~15小题。 ()13.What is Mike going to do first? A.Clean his room. B.Do his homework. C.Take out the rubbish. ()14.What is Mike's mom going to do? A.Go to a meeting. B.See a movie. C.Go to a party. ()15.What does Mike ask for? A.Some drinks. B.Some clothes. C.Some money. Ⅳ.听短文,根据短文内容完成表格。听两遍。(10分) 笔试部分(95分)

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