第十四章 Insurance：Introduction to insurance,types and reinsurance14.1Insurance and Risks:Insurance and its risks[单选题]________ will receive proceeds from an insurance company to offset the income lost as a
14.2Insurance Principles:Four principles of insurance
14.3Personal Insurance:Non-life insurance and classifications
14.4Non-life Insurance:Personal insurance and classifications
14.5Reinsurance:Reinsurance and types
result of the insured’s death. ( )选项:[The beneficiary
, The insured
, The insurer
, The underwriter
]
[单选题]According to , the insured may not collect more than the actual loss in the event of
damage caused by an insured peril. ( )选项:[Principle of Indemnity
, Principle of Insurable Interest
, Principle of Utmost Good Faith
, Principle of Subrogation
]
[单选题]Under the principle of subrogation one who has indemnified another’s loss is entitled to
recovery from . ( )选项:[the beneficiary of the policy
, any liable third parties who are responsible
, the reinsurer involved
, another insurance company
]
[单选题]______is a form of insurance that pays monetary proceeds upon the death of the insured
covered in the policy.( )选项:[Health insurance
, Personal accident insurance
, Life insurance
, Annuity insurance
]
[单选题]Disability income insurance and medical expense insurance fall into the category of ______. ( )选项:[personal accident insurance
, health insurance
, life insurance
, non-life insurance
]
[单选题]Health insurance covers medical bills incurred because of both sickness and injury. （ ）选项:[错, 对]
[单选题]Endowment policies are generally equivalent to term insurance plus a lump-sum benefit paid on survival.（ ）选项:[对, 错]
[单选题]When a ship is threatened at sea, it is essential to try and keep the ship afloat, which might result in further damage. On this occasion, each owner takes responsibility for a share of the property damaged or lost, known as particular average. （ ）选项:[对, 错]
[单选题]Reinsurance allows an insurance company to offer smaller limits of protection to a policyholder than its own capital would allow. （ ）选项:[对, 错]
[单选题]Under reinsurance the original insurer transfers liability under an insurance contract, either in part or in whole, to some other underwriter or a group of underwriters known as the reinsurer or ceding company.（ ）选项:[错, 对]
[单选题]Reinsurance allows an insurance company to offer smaller limits of protection to a policyholder than its own capital would allow. （ ）选项:[对, 错]
[单选题]When a ship is threatened at sea, it is essential to try and keep the ship afloat, which might result in further damage. On this occasion, each owner takes responsibility for a share of the property damaged or lost, known as particular average. （ ）选项:[对, 错]
[单选题]Under reinsurance the original insurer transfers liability under an insurance contract, either in part or in whole, to some other underwriter or a group of underwriters known as the reinsurer or ceding company.（ ）选项:[对, 错]
[单选题]Under the principle of subrogation one who has indemnified another’s loss is entitled to
recovery from . ( )选项:[any liable third parties who are responsible
, the beneficiary of the policy
, another insurance company
, the reinsurer involved
]
[单选题]According to , the insured may not collect more than the actual loss in the event of
damage caused by an insured peril. ( )选项:[Principle of Subrogation
, Principle of Utmost Good Faith
, Principle of Insurable Interest
, Principle of Indemnity
]
[单选题]Disability income insurance and medical expense insurance fall into the category of ______. ( )选项:[non-life insurance
, personal accident insurance
, life insurance
, health insurance
]
[单选题]______is a form of insurance that pays monetary proceeds upon the death of the insured
covered in the policy.( )选项:[Annuity insurance
, Health insurance
, Life insurance
, Personal accident insurance
]
[单选题]Endowment policies are generally equivalent to term insurance plus a lump-sum benefit paid on survival.（ ）选项:[错, 对]
[单选题]Health insurance covers medical bills incurred because of both sickness and injury. （ ）选项:[错, 对]
[单选题]________ will receive proceeds from an insurance company to offset the income lost as a
result of the insured’s death. ( )选项:[The insurer
, The insured
, The beneficiary
, The underwriter
]
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