Xi Notes: Tianmei.
41.China is the birthplace of black tea. Chinese black tea is roughly divided into three categories: small black tea, kung fu black tea, and black broken tea. Among them, the [ ] produced in Tongmuguan, Wuyishan City, Fujian Province is the originator of black tea in the world.
a.Zhengshan small black tea.
b.Small black tea in the outer mountains.
Answer: A keyword reading aid: Fujian Wuyi Mountain--Zhengshan Xiaozhong Black Tea--the originator of black tea in the world.
42.Compulsory motor vehicle traffic accident liability insurance is referred to as "compulsory traffic insurance". Litigation or arbitration costs arising from traffic accidents shall be compensated by compulsory traffic insurance.
a.Not grant. b.Full.
Answer: A keyword reading aid: no compensation. Compulsory traffic insurance will only be liable for the relevant expenses incurred by traffic accidents within the limit, and litigation or arbitration costs are not the expenses borne by compulsory traffic insurance.
43.Food liability insurance is an insurance that covers the civil liability of food producers and traders for personal injury or property damage to a third party caused by defects in the food they produce and operate. 【
a.That's right. b.Mistake.
Answer: A Key Words: Food Liability Insurance (Definition and Explanation).
44.In order to enable the insured or beneficiary to use the funds more efficiently and arrange their lives in a more planned manner, the insurance contract often provides a variety of insurance payment methods for the policyholder to choose from. 【
a.That's right. b.Mistake.
Answer: A key word reading aid: insurance contract - a variety of insurance payment methods - for choice.
45.Public liability insurance is an insurance that covers the liability of the insured for personal injury or property damage to a third party caused by an accident when carrying out production, business or other activities within the agreed location. Public.
The third party of the public liability insurance is usually the third party of [ ].
a.Not specific.
b.Specific. Answer: a
Keywords: Public Liability Insurance (Definition and Interpretation) - "Third Party" here - Not specific.
46.In China, employers and workers can choose whether to participate in social insurance and pay social insurance premiums. 【
a.That's right. b.Mistake.
Answer: B Key Words: False. Employers and individuals cannot choose to participate in the insurance through negotiation, but must participate in social insurance and pay social insurance premiums in accordance with the law.
47.The chairman, director, and manager of a professional farmer cooperative shall not concurrently serve as the chairman, director, supervisor, or manager of another professional farmer cooperative with the same business nature. 【
a.That's right. b.Mistake.
Answer: A Key Word Reading Aid: The statement is correct. Homogeneous part-time jobs are not allowed.
48.In the course of an insurance transaction, the behavior of a party that deliberately violates the principle of good faith and obtains improper benefits is called insurance fraud. Insurance fraud can occur on the policyholder's side as well as on the insurer's side. 【
a.That's right. b.Mistake.
Answer: A Key Words: Insurance Fraud (Definition and Explanation).
In other words, if insurance fraud occurs on the insurer's side, what kind of situation does it present?Fraud: Insurers' fraud is generally manifested in active misinformation, and the most common is blind and exaggerated propaganda aimed at consumers' profit-seeking psychology.
49.According to the time when the policyholder applies to the insurer, the surrender can be divided into hesitation period surrender and normal surrender. Normal surrender generally requires that after a certain number of years of the policy, the policyholder can apply for termination, and the insurance company should refund the cash value of the policy within 30 days from the date of receipt of the application. 【
a.That's right. b.Mistake.
Answer: A Key words: normal surrender - submit an application for termination - return the cash value within 30 days.
50.Travel insurance is a comprehensive insurance product that bears the liability for compensation or payment of insured accidents that occur on the agreed travel route and trip.
a.Duration. b.During and after the end of the period.
Answer: A Key Words: Travel Insurance - During the Trip.
51.The reinstatement of an insurance contract is the restoration of an insurance contract after its validity has been temporarily lost during the performance of the contract. After the reinstatement of the insurance contract, the insurer shall not be liable for the insured accident that occurred during the expiration period
a.Charge. b.Not responsible.
Answer: B Key Words: The insurer is not responsible for the insured accidents that occur during the lapse period.
52.During the validity period of the insurance contract, the legal act of the parties to terminate the validity of the contract in advance in accordance with the provisions of the law or the contract is the insurance contract
a.Relieve. b.Pull the plug.
Answer: A key words: early termination in accordance with the law or in accordance with the contract - "termination".
53.The policyholder is the legal holder of the insurance policy and can only be a natural person. 【
a.That's right. b.Mistake.
Answer: B Key Word Reading Aid: False, not limited to natural persons. The policyholder can be a legal person, and the identity of the policyholder is not legally restricted.
54.Insurance subrogation is the act of subrogation of the insurer to claim compensation against a third party who bears civil liability for the insured accident and loss caused by the insurer after compensating the insurance money. 【
a.That's right. b.Mistake.
Answer: A Key Words: Insurance Subrogation (Definition and Interpretation).
55."Third party" for the purposes of motor vehicle third party liability insurance [ The insured or his/her permitted qualified driver and their respective family members and occupants of the vehicle.
a.Contain. b.Not included.
Answer: B Key Words: "Third party" in third-party liability insurance - excluding the person referred to in the question stem.
The third party is the victim of personal injury or property damage due to an accident of the insured vehicle in addition to the insurer and the insured.
56.Medical liability insurance is an insurance that covers the civil liability of the insured in accordance with the law when a medical accident or medical error occurs due to negligence in the course of medical care work consistent with his qualifications. Covered liability by medical liability insurance.
Moral damages.
a.Nope. b.Contain.
Answer: A Key Words: Medical Liability Insurance (Definition and Interpretation) - Excludes - Compensation for Moral Damages.
57.No compensation preferential treatment refers to the insurance premium discount that the insurance subject can enjoy when renewing the insurance if there is no insured accident or no compensation within a certain period of time, also known as the premium reward and punishment system. 【
a.That's right. b.Mistake.
Answer: A Key Word Reading Aid: Correct Solution!No Claim Preferential = Premium Reward and Punishment System.
58.During the cooling-off period, the policyholder can withdraw from the contract and the insurance company will refund the full amount of the initial premium paid by the policyholder. 【
a.That's right. b.Mistake.
Answer: A keyword reading aid: can be during the hesitation period (cancel the contract + get back the premium paid).
59.The insured of cargo transportation insurance can be freely transferred with the transfer of ownership of the goods, with the prior consent of the insurer.
a.Without. b.Have to.
Answer: A Key Words: The insured of cargo transportation insurance - with the transfer of ownership of the goods - without the prior consent of the insurance company.
60.Property damage insurance covers all kinds of property due to natural disasters, accidents caused by material or related to their interests, usually [ ] caused by ** loss.
a.Include. b.Not included.
Answer: B Keyword Reading Aid: Property Damage Insurance - Usually does not cover losses (force majeure) caused by **
61.Travel agency liability insurance is based on the liability of travel agencies for the tourism activities organized by travel agencies to tourists and tour guides or tour leaders who are appointed by them and provide services to tourists. Compensation for damages caused by the tourist's crime, negligence or own illness shall be covered by the travel agency's liability insurance.
a.Not grant. b.Give.
Answer: A Key Words: Travel Agency Liability Insurance (Definition and Interpretation) - The travel agency will not pay compensation for the damage caused by the tourist's own crime or negligence.
62.The amount of loss specified in the insurance contract within a certain limit for which the insurer is not liable is called [ ].
a.Deductible.
b.Minimum amount.
Answer: A Key Words: Deductible, for example:
Suppose Lao Wang buys medical insurance, gets sick and is hospitalized, spends a total of 100,000 yuan, is reimbursed by social security 50,000 yuan, pays 50,000 yuan out of pocket, and subtracts the deductible of 10,000 yuan (the deductible of most million medical insurance is 10,000 yuan, depending on the product), and the insurance company finally compensates 40,000 yuan.
Suppose Lao Li buys a medical insurance, the deductible is 10%, the reimbursement ratio is 100%, and the total cost of insurance liability spent by Chen in hospitalization is 80,000 yuan, and there is no other reimbursement channel, then the deductible of Lao Li's insurance is 80,000 yuan 10% = 8,000 yuan, that is to say, the amount that can be reimbursed through the insurance is: 80,000 yuan (1-10%) 100% = 720,000 yuan.
63.The accident items that the insurer requires the insurer to undertake are listed one by one in the insurance contract, so as to determine the scope of liability of the insurer.
a.Have to. b.Without.
Answer: A Key Words: The insurer's liability clause is not - it must be stated.