One: multiple-choice questions (65438+ 0 for each question, 45 for * * *)
1On February 28th, 2009, the Seventh Session of the 11th the National People's Congress Standing Committee (NPCSC) voted to pass the revised Insurance Law of People's Republic of China (PRC) (hereinafter referred to as the new Insurance Law). The new insurance law will take effect on ().
A. 28 February A.2009
C.2065438+65438 in00+65438 in1October +0d.2009 65438+65438 in1October+0.
2. The parties to insurance activities shall follow the principle of () when exercising their rights and performing their obligations.
A. Abide by the law B. Loyalty and dedication C. Honesty and credit D. Mutual respect
3. the State Council shall supervise and administer the insurance industry according to law.
A. Banking regulators B. Insurance regulators
C. Securities regulators D. Financial regulators
4. When concluding an insurance contract, the parties shall, in accordance with the principle of (), reach an agreement through consultation to determine the rights and obligations of each party.
A. Fairness B. Mutual benefit C. * * * Win-win D. Publicity
5. When concluding an insurance contract, the applicant of life insurance has an insurable interest in ().
A. beneficiary b, insured c, insurer d, subject matter insured
6. Article 15 of the new Insurance Law stipulates that, unless otherwise stipulated in this Law or in the insurance contract, after the insurance contract is established, the applicant () terminates the contract and the insurer () terminates the contract.
A.no, b, no, c.yes, d.no.
7. Article 16 of the new Insurance Law stipulates that when the contract is concluded, if the insurer already knows what the applicant has not truthfully told, the insurer () terminates the contract; In the event of an insured accident, the insurer () shall be responsible for compensation or payment of insurance benefits.
A. Maybe or not
C. it should not be D. It must be.
8. If the insured fails to fulfill the obligation of truthful disclosure intentionally or due to gross negligence, which is enough to affect the insurer's decision on whether to agree to underwrite or increase the insurance premium rate, the insurer has the right to terminate the contract. However, the insurer shall not terminate the contract if it exceeds () from the date of the establishment of the contract.
30 days, 2 years, 6 months and 5 years
9. When concluding an insurance contract, the insurer shall make a prompt on the application form, insurance policy or other insurance documents that can attract the attention of the insured, and make a clear explanation to the insured in written or oral form on the terms and conditions; If there is no prompt or clear explanation, this clause ().
A. invalid B. still valid C. invalid D. as the case may be
10, () refers to the maximum limit of the insurer's liability for compensation or payment of insurance benefits.
A. Insurance premium B. Insurance premium C. Insurance amount D. Insurance value
1 1. The insurer shall promptly verify the request of the insured or beneficiary for compensation or payment of insurance benefits. For the insured, after reaching an agreement with the insured or beneficiary on compensation or payment of insurance money (), the insured shall fulfill the obligation of compensation or payment of insurance money.
A./kloc-within 0/5 days, B. within 20 days, C./kloc-within 0/0 days, D. within 60 days.
12. After the insurer approves the claim according to law, it shall, from the date of approval, issue a notice of refusal to pay compensation or insurance benefits to the insured or beneficiary, and explain the reasons.
A. within 30 days, within b days, within c. 10 days, within d. 15 days.
13. If the insurer cannot determine the amount of compensation or payment of insurance benefits from the date of receiving the request for compensation or payment of insurance benefits and relevant certificates and materials, it shall pay the amount that can be determined according to the existing certificates and materials in advance.
A. Within three days B. Within sixty days C. Within ten days D. Within thirty days
14, Article 27 of the new Insurance Law stipulates that if the insured or beneficiary falsely claims that an insurance accident has occurred and asks the insurer for compensation or payment of insurance benefits, the insurer has the right ().
A. the insurance premium will not be refunded when the contract is terminated.
B. terminate the contract, but refund the insurance premium
C. it shall not be liable for compensation or payment of insurance premiums, nor shall it refund insurance premiums.
D. It will not be liable for compensation or payment of insurance premium, but will refund the insurance premium.
15. If there is any dispute between the insurer and the applicant, the insured or the beneficiary on the terms of the insurance contract concluded by using the standard terms provided by the insurer, it shall be interpreted according to the usual understanding. If there are more than two interpretations of the terms of the contract, the people's court or arbitration institution shall make an interpretation in favor of ().
A. Insured and beneficiary B. Insurer
C. the party providing the standard terms
16. The insured's insurance benefits to the workers who have labor relations with him.
A. Not in some cases
C. under certain conditions.
17 article 33 of the new "insurance law" stipulates that the applicant shall not apply for personal insurance with () as the condition for paying insurance money for people without civil capacity, and the insurer shall not underwrite it.
A. survival b disease c disability d death
18. Without the consent of the insured and the approval of the insurance amount, the contract with death as the condition for payment of insurance benefits ().
A. Effective B. Established C. Invalid D. Invalid
19, Article 36 of the new Insurance Law stipulates that the contract stipulates that the insurance premium shall be paid in installments. Unless otherwise agreed in the contract, if the insured fails to pay the current insurance premium for more than 30 days from the date of the insurer's request, or fails to pay the current insurance premium for more than 60 days after the agreed period, the contract will take effect ().
A. Interruption B. Termination C. Termination D. Loss
20, the insured for employees with labor relations life insurance, shall not designate () as the beneficiary.
A. persons other than the insured and their close relatives B. the insured and their close relatives
C. Close relatives of the insured
2 1. According to Article 42 of the new Insurance Law, if the insured dies without specifying the beneficiary, the insurance premium will be ().
A. pay the insured B. as an inheritance, pay the heir of the insured.
C. Payment to local civil affairs department D. No payment is required.
22. The transfer of the subject matter insured in a property insurance contract, ()
A. termination of the insurance contract B. the transferee of the subject matter insured inherits the rights and obligations of the insured.
C. Termination of insurance contract D. Invalidation of insurance contract
23, the insurer to maintain the safety of the subject matter insured, with the consent of the (), can take safety precautions.
A. Disaster prevention and loss prevention departments B. Insurance supervision and management institutions
C. insured
24. According to the provisions of Article 52 of the new Insurance Law, during the validity period of the contract, the risk of the subject matter insured increases significantly, and if the insured fails to perform the obligation of timely notification as agreed in the contract, the insurer () shall be liable for the insurance accident caused by the significant increase in the risk of the subject matter insured.
A. do not assume the responsibility of compensation for insurance money. B. bear part of the liability for compensation.
C. Take full responsibility for compensation as the case may be.
25. Article 54 of the new Insurance Law stipulates that before the insurance liability begins, if the applicant requests to terminate the contract, he shall pay the handling fee to the insurer in accordance with the contract.
A. the insurance company will not refund the premium. The insurer shall refund the premium.
C. the insurer can refund the insurance premium. D. the insurer can not agree to surrender the insurance.
26, the insurance amount shall not exceed (), more than part is invalid.
A. Compensation amount B. Insurance demand C. Insurance value D. Insurance risk
27. When an insured accident occurs, the insured () takes necessary measures to prevent or reduce losses.
A. Yes, B. Ability, C. No responsibility, D. Try your best.
28. In case of partial loss of the subject matter insured, the applicant may terminate the contract within () from the date of compensation by the insurer.
7 days 15 days 30 days 10 days
29. Article 60 of the new Insurance Law stipulates that if an insured accident is caused by damage to the subject matter insured by a third party, the insurer shall subrogate the insured's right to claim compensation from the third party within () from the date of compensation to the insured.
A. Insurance value B. Compensation amount C. Insurance amount D. Loss amount
30. The necessary and reasonable expenses paid by the insurer and the insured to find out and determine the nature and cause of the insured accident and the loss degree of the subject matter insured shall be borne by ().
A. Insurer B. Insured
C. Third Party D. Insured
3 1 Liability insurance refers to () taking the liability for compensation undertaken according to law as the subject matter of insurance.
A. The applicant to the insured B. The insured to the third party
C. Insurer to Insured D. Insurer to Third Party
32. Article 65 of the new Insurance Law stipulates that if the insured of liability insurance causes damage to a third party and the insured's liability for compensation to the third party is determined, the insurer shall compensate the insurance money according to the request of the insured.
A. You can give it directly to a third party. B. You can give it directly to the insured.
C. directly to the third party D. directly to the insured.
33. The minimum registered capital of an insurance company is RMB ().
A. 1 100 million yuan b.50 million yuan c.300 million yuan d.200 million yuan
34. The insurance supervision and administration institution shall examine the application of an insurance company to set up a branch, and make a decision of approval or disapproval from the date of acceptance.
A. within six months, B. within 20 days, C. within one year, D. within 60 days
35, according to the provisions of the new "insurance law" article 84, () the change of the insurance company does not need to be approved by the insurance supervision and management institutions.
A. Name B. Registered capital
C. Shareholders holding less than 5% of shares D. Division or merger
36. An insurance company engaged in () business shall not be dissolved except for division, merger or cancellation according to law.
A. Property insurance B. Life insurance C. Credit insurance D. Social insurance
37, the insurance company shall, according to the principle of safeguarding the interests of (), to ensure solvency, withdraw the liability reserve.
A. policyholder b, shareholder c, insured d, beneficiary
38. Article 112 of the new Insurance Law stipulates: (1) Establish an insurance agent registration management system, strengthen the training and management of insurance agents, and shall not instigate or induce insurance agents to engage in activities that violate the obligation of good faith.
A. CIRC B. Insurance Company C. Insurance Agency D. Insurance Industry Association
39. An insurance agent is an institution or individual that collects commission from () on the basis of the insurer's entrustment and handles insurance business on its behalf within the scope authorized by the insurer.
A. Insurer B, Insured C and Insured D Beneficiary
40. Article 125 of the new Insurance Law stipulates that () when handling life insurance business on behalf of others, it is not allowed to accept the entrustment of more than two insurers at the same time.
A. Professional insurance agent B. Part-time insurance agent
C. Personal insurance agent D. Insurance broker
4 1, the insurance agent handles the insurance business according to the insurer's authorization, and () shall bear the responsibility.
A applicant b insurer c insurance agent d insured
42. According to Article 162 of the new Insurance Law, if an insurance company and its staff conceal important information related to the insurance contract in their insurance business and deceive the applicant, the insured or the beneficiary, the insurance supervision and administration institution shall order it to make corrections and impose a fine of () on the insurance company.
A.50,000 yuan to 300,000 yuan B. 1 10,000 yuan to 300,000 yuan.
C. From 1 10,000 yuan to 50,000 yuan to D. From 50,000 yuan to 500,000 yuan.
43. An enterprise signed a property insurance contract with an insurance company. The subject matter of insurance is the factory building and equipment of the enterprise, and the insurance premium is 20,000 yuan. In the second year after the insurance, the company lied that its factory equipment was stolen and filed a claim with the insurance company. According to the law, the insurance company has the right to terminate the insurance contract. What is the correct way to deal with the insurance premium of 20,000 yuan?
Answer? The insurance premium of 20 thousand yuan is not refundable?
b？ Should I refund the insurance premium of 20 thousand yuan?
c？ Only refund the insurance premium worth 20 thousand yuan in cash?
d？ The insurance premium of 20000 yuan and its interest will be refunded.
During the performance of the insurance contract, the parties have different understandings of the meaning of the "accidental injury" clause in the standard contract provided by the insurance company. In this case, how should the judge interpret the meaning of clause (b)?
A. Interpretation according to the principle of fairness
B. interpret it according to the usual understanding. If there are more than two understandings, it shall be interpreted according to the principle of being unfavorable to the insurance company.
C. Interpretation based on jurisprudence
D. direct interpretation according to the principle of being unfavorable to insurance companies.
45. Wang Weiqi has taken out property insurance with Insurance Company A, with an insurance amount of/kloc-0.5 million yuan and an insurance value of 200,000 yuan. Soon Wang took out property insurance with B Insurance Company, and the insurance amount was 1.5 million yuan. Later, the car was completely scrapped after being hit, and Wang asked insurance companies A and B for compensation. The following statement is correct (D).
A. if Wang repeatedly applies for insurance, both insurance contracts are invalid, and the insurance company will not be liable for compensation.
Insurance Company B, Party A and Party B each paid Wang 6,543,800 yuan+0.5 million yuan.
C insurance companies a and b each pay 654.38+10,000 yuan to Wang, and Wang may not require insurance companies a and b to return the part of the total insurance amount that exceeds the insurance value in proportion.
D insurance companies a and b each paid compensation of 654.38 million yuan to Wang, demanding that insurance companies a and b return the sum of the insured amount in proportion to the insured value.
Two: multiple-choice questions (3 points for each question, * * * 36 points).
1, about the description of the insurance contract format, which of the following description is correct ()
In an insurance contract concluded with standard clauses provided by the insurer, clauses that exempt the insurer from legal obligations or increase the liability of the applicant and the insured are invalid.
In an insurance contract concluded by adopting the standard clauses provided by the insurer, the clauses excluding the rights enjoyed by the applicant, the insured or the beneficiary according to law are invalid.
3. If there is a dispute between the insurer and the applicant, the insured or the beneficiary on the terms of the insurance contract concluded by using the standard terms provided by the insurer, the people's court or the arbitration institution shall make an explanation in favor of the insured and the beneficiary.
(4) If an insurance contract is concluded with standard clauses provided by the insurer, the application form provided by the insurer to the applicant shall be accompanied by standard clauses, and the insurer shall explain the contract contents to the applicant.
2. In the description of the insurable interest in the life insurance contract, the following statement is incorrect ().
A the insured has no insurable interest in the workers who have labor relations with him.
If the insured agrees that the applicant enters into a contract for him, it shall be deemed that the applicant has an insurable interest in the insured.
C. When a contract is concluded, if the applicant has no insurable interest in the insured, the contract is invalid.
D. If the insured has no insurable interest in the insured at the time of the insured accident, the contract is invalid.
3, property insurance in the transfer of insurance subject matter, the following statement is correct for ()
Where the subject matter insured is transferred, the transferee of the subject matter insured inherits the rights and obligations of the insured.
B. If the subject matter insured is transferred, the insured or the transferee shall notify the insurer in time, unless otherwise agreed in the cargo transportation insurance contract and the contract.
C. If the risk degree is significantly increased due to the transfer of the subject matter insured, the insurer may, within 30 days from the date of receiving the notice specified in the preceding paragraph, increase the insurance premium or terminate the contract as agreed in the contract.
D. If the insurer is not informed of the transfer of the subject matter insured, the insurer may not necessarily bear the relevant insurance liabilities.
4, according to the provisions of the "insurance law", the following insurance contracts, after the insurance liability begins, the parties to the contract shall not terminate the contract is ().
A. Home insurance contract B. Cargo transportation insurance contract
C. Vehicle insurance contract D. Vehicle voyage insurance contract
5. When setting up an insurance company, the requirement for the qualification of major shareholders in the following statement is correct ().
A. It has sustainable profitability and good reputation.
B there is no record of serious violation of laws and regulations in the last three years.
C its net assets are not less than 200 million yuan.
D be familiar with insurance-related laws and administrative regulations, have the management ability required to perform their duties, and obtain the post qualification recognized by the insurance supervision and administration institution before taking up the post.
6, about the insurance company's use of funds is limited to the following forms, the following statement is correct for ()
A. limited to bank deposits, buying and selling government bonds and financial bonds.
B. buying and selling bonds, stocks, shares of securities investment funds and other securities.
C. Investing in real estate
D. Other forms of fund utilization as stipulated by the State Council.
7, the State Council insurance supervision and management institutions can take over the insurance company for ().
A. the company's solvency is seriously insufficient.
B. The company fails to withdraw or carry forward various liability reserves as required.
C. the company fails to handle reinsurance in accordance with relevant regulations.
D. Violating the provisions of this Law, harming public interests, which may seriously endanger or has seriously endangered the solvency of the company.
8, insurance supervision and management institutions to perform their duties according to law, which of the following measures can be taken ()
On-site inspection of the representative offices of insurance companies, insurance agents, insurance brokers, insurance asset management companies and foreign insurance institutions.
B. Enter the place where the suspected illegal act occurred for investigation and evidence collection.
(3) consulting and copying the financial and accounting data and other relevant documents and materials of insurance companies, insurance agents, insurance brokers, insurance asset management companies, representative offices of foreign insurance institutions and units and individuals related to the investigated events; Seal up documents and materials that may be transferred, hidden or damaged.
D. Inquire about the bank accounts of insurance companies, insurance agents, insurance brokers, insurance asset management companies, representative offices of foreign insurance institutions, and units and individuals involved in suspected illegal business.
9, in violation of the provisions of the "insurance law", without authorization to set up an insurance company, insurance asset management company or illegal business insurance, insurance supervision and management institutions should give what kind of punishment ()?
A. It shall be banned, the illegal income shall be confiscated, and a fine of not less than two times but not more than five times the illegal income shall be imposed.
B If there is no illegal income or the illegal income is less than 200,000 yuan, a fine of100,000 yuan but less than 500,000 yuan shall be imposed.
C. It shall be banned, the illegal income shall be confiscated, and a fine of not less than/kloc-0 but not more than 5 times the illegal income shall be imposed.
D if there is no illegal income or the illegal income is less than 200,000 yuan, a fine of more than 200,000 yuan but less than 1 million yuan shall be imposed.
10, Zhang bought a Passat car and insured the loss of the car with the insurance company, with the insurance amount of 200,000 yuan. My son Xiao Zhang knows a thing or two about driving because he often rides in other people's cars and Zhang's cars. After Zhang was hospitalized due to illness, Xiao Zhang stole his father's car keys and drove out to play, accidentally turning the car over. Xiao Zhang was injured and the car was completely scrapped. About Zhang's car damage, which of the following statements is correct ()
A. Zhang has the right to claim compensation from the insurance company.
B. Zhang has no right to claim compensation from the insurance company.
C. If the insurance company makes compensation, it can exercise the right of subrogation against Xiao Zhang.
D if the insurance company makes compensation, it shall not exercise the right of subrogation against Xiao Zhang.
1 1, once bought 1 a new car, and took out property insurance in an insurance company with an insurance value of 300,000 yuan. One day, Lin, a taxi driver, was driving illegally, and the tail of his new car was damaged, losing 6,543,800 yuan. The following statement about this case is correct ()
A. You can choose to claim compensation from Lin or from the insurance company.
B. If the insurance company paid compensation insurance money to Zeng, Zeng may not claim compensation from Lin again.
C. If Lin paid compensation to Zeng, Zeng still has the right to ask the insurance company to pay compensation.
D. If the insurance company has given up the right to claim compensation for the forest before paying the insurance money, the insurance company will not be liable for paying the insurance money.
12, the insurance company and its staff shall not have the following acts in insurance business activities ()
A. Deceive the applicant, the insured or the beneficiary, and conceal important information related to the insurance contract from the applicant.
B. Obstructing the applicant from fulfilling the obligation of truthful disclosure as stipulated in this Law, or inducing him not to fulfill the obligation of truthful disclosure as stipulated in this Law.
C. Misappropriation, interception and embezzlement of insurance premiums
Refusing to perform the obligation of compensation or payment of insurance benefits stipulated in the insurance contract according to law.
One: Single choice standard answer:
1- 10:DCBABDCBAC
1 1-20:CBBAACDDBA
2 1-30:BBCABCDCBA
3 1-40:BCDDCBCBAC
4 1-45:babd
Two: multiple choice questions answer:
1-5:ABDADABCDBDABC
6- 10BCDADABCDCDAD
1 1- 12ABDABCD
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.