17春东财《人身保险B》在线作业一

17春东财《人身保险B》在线作业一
17春东财《人身保险B》在线作业一

2017秋17春东财《人身保险B》在线作业一

一、单选题(共20 道试题,共40 分。)

1. 被保险人告知2010年因子宫肌瘤住院手术,对此保险公司要对其进行()。

A. 业务员核保

B. 体检医师核保

C. 专业人员核保

D. 生存调查

正确答案:

2. 包含保障功能,并至少在一个投资账户拥有一定资产价值的保险称为()。

A. 变额寿险

B. 分红保险

C. 万能寿险

D. 投资连接保险

正确答案:

3. 人寿保险不存在()。

A. 定额保险

B. 定期保险

C. 共同保险

D. 重复保险

正确答案:

4. 我国人身保险中的保费宽限期时间为()。

A. 60天

B. 100天

C. 30天

D. 90天

正确答案:

5. 某被保险人购买医疗保险,合同规定的绝对免赔额为500元,自负比例20%,如其住院花费医疗费用3000元,能够得到的给付金额是()。

A. 3000

B. 2500

C. 1900

D. 2000

正确答案:

6. 我国社会保险的原则是()。

A. 低水平,广覆盖

B. 多渠道,广覆盖

C. 多渠道,高水平

D. 高水平,广覆盖

正确答案:

7. 预期善终保险是一款()。

A. 终身寿险用于善终费用

B. 终身寿险用于生活费用

C. 定期寿险

D. 两全保险

正确答案:

8. ()原则,是界定商业保险和社会保险的重要原则之一。

A. 自愿

B. 最大诚信原则

C. 公平竞争

D. 可保险利益

正确答案:

9. 假如人寿保险合同中无自动垫支保险条款,则投保人在宽限期末仍未交纳保险费的法律后果是()。

A. 保险合同中止

B. 保险合同解除

C. 保险合同消灭

D. 保险合同终止

正确答案:

10. 按()分类,可以将人身保险分为人寿保险、意外伤害保险、健康保险。

A. 实施方式

B. 投保方式

C. 保障范围

D. 风险程度

正确答案:

11. 张良在购买保险之前已接受关节痛治疗半年,在投保单上却没填写,则依据既存状况条款,保单生效()之内,因此支付的医疗费保险公司不予补偿。

A. 两年

B. 一年

C. 三个月

D. 半年

正确答案:

12. 下列有关人身保险合同陈述不正确的是()。

A. 人身保险也存在重复给付问题

B. 人身保险合同的主体包括保险人、投保人、被保险人等

C. 以人的生命和身体为标的

D. 人身保险的给付实际上是一种约定给付

正确答案:

13. 健康婴儿保险起源于()。

A. 美国

B. 非洲艾滋病肆虐的国家

C. 中国富人超生群体

D. 日本的广岛和长崎

正确答案:

14. 失能是指因疾病或意外伤害事故丧失劳动能力,并且在事故发生后()天,仍然处于无法从事任何工作的状态。

A. 180

B. 270

C. 360

D. 90

正确答案:

15. 一般而言,人身保险的纯保费分为()。

A. 附加保费和危险保费

B. 纯保费和危险保费

C. 危险保费和储蓄保费

D. 纯保费和附加保费

正确答案:

16. 一位购买了保险的小学教师,如果改行做了一位井下工人,则致病和致残的风险大大增加,按理应当增加保险费,或减少保险金额,这种做法是()使然。

A. 转换条款

B. 既存状况条款

C. 职业变更条款

D. 理赔条款

正确答案:

17. 老年不仅漫长,而且一定是()的丧失期。

A. 金钱、配偶、体力

B. 金钱、容颜、健康

C. 容颜、配偶、健康

D. 体力、健康、容颜

正确答案:

18. 医疗保险的责任期限有90天、180天、360天,而以()天为多。

A. 180

B. 90

C. 360

D. 270

正确答案:

19. 改革开放之初,第一家进入中国大陆营业的外资寿险公司是()。

A. 中宏人寿

B. 友邦公司

C. 标准人寿

D. 光大永明

正确答案:

20. 某定期生存保险的被保险人在领取生存给付金时,保险人发现其投保年龄大于实际年

龄,而多交了保费,按规定应该()。

A. 减少保险金给付

B. 增加保险金给付

C. 退还多交保费

D. 补足少缴保费

正确答案:

东财《人身保险B》在线作业一

二、多选题(共10 道试题,共30 分。)

1. 伤害由三个要素构成,即()。

A. 侵害对象

B. 侵害事实

C. 致害原因

D. 致害物

正确答案:

2. 下列各项属于系统风险的是()。

A. 利率风险

B. 政策风险

C. 周期波动风险

D. 经营风险

正确答案:

3. 以下的伤害不属于保险责任()。

A. 在犯罪活动中的意外伤害

B. 在寻衅斗殴中的意外伤害

C. 在干私活中的意外伤害

D. 在酒醉中的意外伤害

正确答案:

4. 关于人身保险合同的犹豫期,以下说法正确的有()。

A. 投保人在犹豫期内解约时,可以得到已缴的全部保费

B. 犹豫期设定在保险合同生效之后

C. 犹豫期也称冷静期

D. 在犹豫期内投保人具有无条件解约权

正确答案:

5. 人在工作(创造收入)阶段,最怕()。

A. 收入中断

B. 收入太低

C. 失去健康

D. 失去亲人

正确答案:

6. 保单质押贷款三大注意()。

A. 不是所有保单都能办理保单质押贷款

B. 已经发生保费豁免的保单不能办理

C. 炒股等高风险的投资不宜办理

D. 保单现金价值不是很大的保单不能办理

正确答案:

7. 可转换定期寿险为防止逆选择,有一些限定条件()。

A. 提出转换时必须出具可保证明

B. 到达一定年龄则不能转换

C. 转换申请应在保单结束前几年

D. 保险金额只限于原合同的50%或70%

正确答案:

8. 以下各项属于万能寿险独立账户收入项的是()。

A. 提取的责任准备金

B. 额外的投资回报

C. 保证能获得的利息

D. 新支付的保险费

正确答案:

9. 人身保险合同的当事人包括()。

A. 投保人

B. 保险人

C. 被保险人

D. 受益人

正确答案:

10. 一个人的寿命和健康状况往往与遗传有联系,而在遗传关系中最重要的是()。

A. 精神病

B. 癌症

C. 血液病

D. 高血压

正确答案:

东财《人身保险B》在线作业一

三、判断题(共15 道试题,共30 分。)

1. 意外伤害保险一般是短期保险。

A. 错误

B. 正确

正确答案:

2. 一般来说,年金购买者的死亡率低于寿险购买者和普通大众。

A. 错误

B. 正确

正确答案:

3. 被保险人半夜偷鸡,在逃跑中不慎摔死,因为只是违法,未构成犯罪,所以属于保险责任。

A. 错误

B. 正确

正确答案:

4. 人身保险的长期性主要表现在其中的人寿保险上。

A. 错误

B. 正确

正确答案:

5. 一般说来,标的的风险越大,相应的费率越高。()

A. 错误

B. 正确

正确答案:

6. 健康就是没有病。()

A. 错误

B. 正确

正确答案:

7. 规定总的保险金额,即一次住院补偿的最高金额,补偿之后,合同履约终止

A. 错误

B. 正确

正确答案:

8. 一般而言,保险费的缴纳有趸缴、分期缴这样两种方式可供选择。

A. 错误

B. 正确

正确答案:

9. 社会养老保险与商业人身保险都需要个人缴费

A. 错误

B. 正确

正确答案:

10. 所谓逆选择,就是保险人作出的不利于被保险人的选择。

A. 错误

B. 正确

正确答案:

11. 风险与回报成正相关关系

A. 错误

B. 正确

正确答案:

12. 一份医疗保险,规定免赔额和自负比例,那么被保险人发生的全部医疗费用,减去免赔额和自负比例的余额,就是保险公司予以补偿的部分。

A. 错误

B. 正确

正确答案:

13. 一个不会游泳的人,在无人保护的情况下,跳入深水纳凉,结果溺死,属于意外伤害。

A. 错误

B. 正确

正确答案:

14. 核保实质上就是决定承保与否的“拍板决策”瞬间

A. 错误

B. 正确

正确答案:

15. 人身保险与社会保险总的目标是一致的。

A. 错误

B. 正确

正确答案:

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