英文保險卷二 IIQE Paper 2 第一章
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- 已答
- 回顧
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1/359問題
1. 問題
1 分QID2:General insurance covers:
正確
General insurance covers insurance of the person, insurance of property, insurance of pecuniary interests, and insurance of liability. The answer is D.
錯誤
General insurance covers insurance of the person, insurance of property, insurance of pecuniary interests, and insurance of liability. The answer is D.
提示
References:1.(a).
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2/359問題
2. 問題
1 分QID3:In general insurance, health insurance is usually classified as:
正確
“Insurance of the person” is one whose subject matter is a human being’s life, limbs or health, or medical expenses. The answer is B.
錯誤
“Insurance of the person” is one whose subject matter is a human being’s life, limbs or health, or medical expenses. The answer is B.
提示
References:1.(a).
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3/359問題
3. 問題
1 分QID5:Property insurances cover either “all risks” or:
正確
Property insurances cover either all risks or specified perils. The answer is C.
錯誤
Property insurances cover either all risks or specified perils. The answer is C.
提示
References:1.(b).
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4/359問題
4. 問題
1 分QID6:Insurance that provides protection only against damage caused by fire, lightning and household gas explosions is more likely to be:
正確
Specified perils (or “named perils”) refer to that to be recoverable a loss or damage must have been proximately caused by a peril (i.e. cause of loss) specifically mentioned (specified) in the policy, e.g. lightning under a fire policy. The answer is D.
錯誤
Specified perils (or “named perils”) refer to that to be recoverable a loss or damage must have been proximately caused by a peril (i.e. cause of loss) specifically mentioned (specified) in the policy, e.g. lightning under a fire policy. The answer is D.
提示
References:1.(b).(i)
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5/359問題
5. 問題
1 分QID8:Property insurances cover either specified perils or:
正確
Property insurances cover either all risks or specified perils. The answer is C.
錯誤
Property insurances cover either all risks or specified perils. The answer is C.
提示
References:1.(b).(ii)
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6/359問題
6. 問題
1 分QID9:An “all risks” policy is unlikely to cover loss or damage arising from which of the following causes?
正確
“All Risks” means that loss or damage arising from any conceivable risk is covered by the policy unless an exclusion
applies. The claimant merely has to show that an accidental loss has occurred, without the need to pinpoint its exact cause. The internal damage of a watch caused by high humidity is not an accidental loss. The answer is C.錯誤
“All Risks” means that loss or damage arising from any conceivable risk is covered by the policy unless an exclusion
applies. The claimant merely has to show that an accidental loss has occurred, without the need to pinpoint its exact cause. The internal damage of a watch caused by high humidity is not an accidental loss. The answer is C.提示
References:1.(b).(ii)
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7/359問題
7. 問題
1 分QID10:War risks and nuclear risks are standard exclusions. Which of the following statements is correct?
正確
War risks and nuclear risks are standard exclusions and are generally not insurable. The answer is A.
錯誤
War risks and nuclear risks are standard exclusions and are generally not insurable. The answer is A.
提示
References:1.(c).
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8/359問題
8. 問題
1 分QID11:The fundamental risks considered exclusions in most general policies include war and:
正確
The fundamental risks considered exclusions in most general policies include war and nuclear risks. The answer is C.
錯誤
The fundamental risks considered exclusions in most general policies include war and nuclear risks. The answer is C.
提示
References:1.(c).
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9/359問題
9. 問題
1 分QID14:In insurance industry, vehicles are classified into different categories. Which of the following is not the usual classification?
正確
There are three major classes of motor insurance: private vehicle (private car), motor cycle and commercial vehicle. The answer is A.
錯誤
There are three major classes of motor insurance: private vehicle (private car), motor cycle and commercial vehicle. The answer is A.
提示
References:1.1.
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10/359問題
10. 問題
1 分QID1:Which of the following is not a major class of motor insurance?
正確
Three major classes of motor insurance are private vehicle (private car), motor cycle and commercial vehicle. The answer is C.
錯誤
Three major classes of motor insurance are private vehicle (private car), motor cycle and commercial vehicle. The answer is C.
提示
References:1.1.
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11/359問題
11. 問題
1 分QID13:The “third party liability insurance” as used by motor insurers in Hong Kong covers:
正確
The “third party only cover” covers any insured driver (or any passenger) for his liability at law to third parties for their death, injury or property damage. The answer is D.
錯誤
The “third party only cover” covers any insured driver (or any passenger) for his liability at law to third parties for their death, injury or property damage. The answer is D.
提示
References:1.1.
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12/359問題
12. 問題
1 分QID16:General insurance covers:
正確
General insurance covers insurance of the person, insurance of property, insurance of pecuniary interests, and insurance of liability. The answer is A.
錯誤
General insurance covers insurance of the person, insurance of property, insurance of pecuniary interests, and insurance of liability. The answer is A.
提示
References:1.1.(a)
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13/359問題
13. 問題
1 分QID17:Which of the following motor insurance policies covers the loss and damage to the insured vehicle?
(i) “Act” insurance
(ii) Third party cover
(iii) Third party, fire and theft cover
(iv) Comprehensive cover正確
Third party, fire and theft cover comprises property insurance of the insured vehicle covering its loss or damage resulting from the risk of rire or theft.
Comprehensive cover, being the widest form of motor cover available, includes third party only cover and third party, fire and theft cover, with “all risks” insurance
on the insured vehicle.The answer is D.
錯誤
Third party, fire and theft cover comprises property insurance of the insured vehicle covering its loss or damage resulting from the risk of rire or theft.
Comprehensive cover, being the widest form of motor cover available, includes third party only cover and third party, fire and theft cover, with “all risks” insurance
on the insured vehicle.The answer is D.
提示
References:1.1.(a)
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14/359問題
14. 問題
1 分QID18:Which of the following statements regarding “act” insurance is incorrect?
正確
The “act only cover” is now rarely found in the market. The answer is C.
錯誤
The “act only cover” is now rarely found in the market. The answer is C.
提示
References:1.1.(a)
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15/359問題
15. 問題
1 分QID19:A car rolled over at high speed and the whole car was damaged. However, no life damage was caused. Which of the following types of policies are eligible for compensation?
正確
Comprehensive cover, being the widest form of motor cover available, includes third party only cover and third party, fire and theft cover, with “all risks” insurance
on the insured vehicle. The answer is A.錯誤
Comprehensive cover, being the widest form of motor cover available, includes third party only cover and third party, fire and theft cover, with “all risks” insurance
on the insured vehicle. The answer is A.提示
References:1.1.(a)
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16/359問題
16. 問題
1 分QID22:The narrowest coverage of motor insurance is:
正確
The narrowest coverage of motor insurance is “act” insurance. The answer is A.
錯誤
The narrowest coverage of motor insurance is “act” insurance. The answer is A.
提示
References:1.1.(a)& (b)
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17/359問題
17. 問題
1 分QID21:If a passenger is injured in a traffic accident, which of the following would provide protection for the insured’s liability?
正確
All three major types of motor insurance cover any insured driver (or any passenger) for his liability at law to third parties for their death, injury or property damage. The answer is D.
錯誤
All three major types of motor insurance cover any insured driver (or any passenger) for his liability at law to third parties for their death, injury or property damage. The answer is D.
提示
References:1.1.(a)& (b)
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18/359問題
18. 問題
1 分QID23:We often refer to the “third party” liability insurance underwritten by the insurer. Which three of the following is true?
(i) It is more extensive than compulsory “third party” liability insurance
(ii) It is different from compulsory “third party” liability insurance
(iii) It covers liability for property damage
(iv) It does not include liability for property damage to third parties正確
A motor insurance policy described as
“third party”, covers liability for property damage to third parties, in
addition to liability for death or injury. The answer is A.錯誤
A motor insurance policy described as
“third party”, covers liability for property damage to third parties, in
addition to liability for death or injury. The answer is A.提示
References:1.1.(a)& (b)
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19/359問題
19. 問題
1 分QID20:In a road accident, a passenger is injured in an insured vehicle. Which of the following motor insurance may cover the medical expenses?
正確
All three major types of motor insurance cover any insured driver (or any passenger) for his liability at law to third parties for their death, injury or property damage. The answer is D.
錯誤
All three major types of motor insurance cover any insured driver (or any passenger) for his liability at law to third parties for their death, injury or property damage. The answer is D.
提示
References:1.1.(a)& (b)
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20/359問題
20. 問題
1 分QID24:The “third party” policy under compulsory motor vehicle legislation and the third party policy of a Hong Kong motor insurer are:
正確
The “third party” policy under compulsory motor vehicle legislation and the third party policy of a Hong Kong motor insurer are totally different, because the latter covers liability for property damage. The answer is D.
錯誤
The “third party” policy under compulsory motor vehicle legislation and the third party policy of a Hong Kong motor insurer are totally different, because the latter covers liability for property damage. The answer is D.
提示
References:1.1.(b)
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21/359問題
21. 問題
1 分QID25:In respect of compulsory motor death and injury liability, the minimum amount of cover required is:
正確
The minimum amount of cover required in respect of third party death and injury liability is HK$100 million any one event. The answer is B.
錯誤
The minimum amount of cover required in respect of third party death and injury liability is HK$100 million any one event. The answer is B.
提示
References:1.1.(b)
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22/359問題
22. 問題
1 分QID26:Which of the following statements about “act” insurance is true?
正確
All statements are true. The answer is D.
錯誤
All statements are true. The answer is D.
提示
References:1.1.(b)
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23/359問題
23. 問題
1 分QID27:Compulsory third party liability means:
正確
The Ordinance, when referring to “third party” risks, means potential liability for death or injury only. Liability for property damage to third parties is not required by law. The answer is B.
錯誤
The Ordinance, when referring to “third party” risks, means potential liability for death or injury only. Liability for property damage to third parties is not required by law. The answer is B.
提示
References:1.1.(b)
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24/359問題
24. 問題
1 分QID15:Which of the following forms of motor insurance only covers the liability required by law?
正確
“Act” insurance only covers the liability required by law. The answer is A.
錯誤
“Act” insurance only covers the liability required by law. The answer is A.
提示
References:1.1.(b)
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25/359問題
25. 問題
1 分QID29:”Act” insurance in Hong Kong motor insurance industry is:
正確
“Act” insurance in Hong Kong motor insurance industry is of no importance in the insurer’s motor insurance business, because the coverage is so narrow, cannot expect somebody will buy it. The answer is D.
錯誤
“Act” insurance in Hong Kong motor insurance industry is of no importance in the insurer’s motor insurance business, because the coverage is so narrow, cannot expect somebody will buy it. The answer is D.
提示
References:1.1.(b)(iii)
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26/359問題
26. 問題
1 分QID30:Most motor insurance policies have a practice, that is, if the insured has not made a claim in the past year, in the coming year renewal he/she can get a discount on the premium. The most correct name for this practice is:
正確
A significant and almost unique feature of motor insurance is the practice of granting a progressive discount, called the ” no claim discount” (NCD) or “claim free discount”, on the renewal annual premium if the preceding policy year has been claim-free. The answer is B.
錯誤
A significant and almost unique feature of motor insurance is the practice of granting a progressive discount, called the ” no claim discount” (NCD) or “claim free discount”, on the renewal annual premium if the preceding policy year has been claim-free. The answer is B.
提示
References:1.1.(c)
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27/359問題
27. 問題
1 分QID37:Under the motor insurance NCD mechanism, when the NCD has accumulated to a high level, the occurrence of a claim will not eliminate the NCD of the next year. This system is called:
正確
With private cars, the NCD system operates on what is called a “step-back system”. This means that a single claim will not necessarily destroy an entitlement to next year’s discount. The answer is B.
錯誤
With private cars, the NCD system operates on what is called a “step-back system”. This means that a single claim will not necessarily destroy an entitlement to next year’s discount. The answer is B.
提示
References:1.1.(c)
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28/359問題
28. 問題
1 分QID36:The so-called “step-back system” is most suitable for which of the following vehicles?
正確
With private cars, the NCD system operates on what is called a “step-back system”. This means that a single claim will not necessarily destroy an entitlement to next year’s discount.
With other types of vehicles, a single claim will mean that there will not be any NCD in the forthcoming year and a fresh claim-free year will be needed to earn the minimum discount again.
The answer is C.
錯誤
With private cars, the NCD system operates on what is called a “step-back system”. This means that a single claim will not necessarily destroy an entitlement to next year’s discount.
With other types of vehicles, a single claim will mean that there will not be any NCD in the forthcoming year and a fresh claim-free year will be needed to earn the minimum discount again.
The answer is C.
提示
References:1.1.(c)
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29/359問題
29. 問題
1 分QID35:Some insurance policies offer premium discounts to customers who do not file claims in the past. Which of the following is a correct description of the system?
(i) This is called “no claim discount”
(ii) For private cars, the discount rate is very high
(iii) There will be a premium discount if the previous year has been claim-free
(iv) There will be a refund of premium if the previous year has been claim-free正確
A significant and almost unique feature of motor insurance is the practice of granting a progressive discount, called the “no claim discount” (NCD) or “claim free discount”, on the renewal annual premium if the preceding policy year has been claim-free.
A typical scale of NCD for private cars is such that one claim-free year earns a 20% NCD, the second year 30% and so on, rising to a maximum of 60% after five consecutive claim-free years. With other classes of vehicles, the scale of discount is very likely to start from 10%, rising to a maximum of 30% after three consecutive claim-free years.
The answer is C.
錯誤
A significant and almost unique feature of motor insurance is the practice of granting a progressive discount, called the “no claim discount” (NCD) or “claim free discount”, on the renewal annual premium if the preceding policy year has been claim-free.
A typical scale of NCD for private cars is such that one claim-free year earns a 20% NCD, the second year 30% and so on, rising to a maximum of 60% after five consecutive claim-free years. With other classes of vehicles, the scale of discount is very likely to start from 10%, rising to a maximum of 30% after three consecutive claim-free years.
The answer is C.
提示
References:1.1.(c)
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30/359問題
30. 問題
1 分QID34:In private car insurance, the “step-back system” means:
正確
With private cars, the NCD system operates on what is called a “step-back system”. This means that a single claim will not necessarily destroy an entitlement to next year’s discount. For instance, with a four years’ entitlement (i.e. 50% NCD) for a policy year, a single claim during the
year will reduce the discount on renewal to 20%. The answer is C.錯誤
With private cars, the NCD system operates on what is called a “step-back system”. This means that a single claim will not necessarily destroy an entitlement to next year’s discount. For instance, with a four years’ entitlement (i.e. 50% NCD) for a policy year, a single claim during the
year will reduce the discount on renewal to 20%. The answer is C.提示
References:1.1.(c)
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31/359問題
31. 問題
1 分QID33:The NCD will be applied to private car insurance. When the private car gets the highest no claim discount, it will not cancel all the discounts due to a single claim. This operation is called:
正確
With private cars, the NCD system operates on what is called a “step-back system”. This means that a single claim will not necessarily destroy an entitlement to next year’s discount. For instance, with a four years’ entitlement (i.e. 50% NCD) for a policy year, a single claim during the
year will reduce the discount on renewal to 20%. The answer is C.錯誤
With private cars, the NCD system operates on what is called a “step-back system”. This means that a single claim will not necessarily destroy an entitlement to next year’s discount. For instance, with a four years’ entitlement (i.e. 50% NCD) for a policy year, a single claim during the
year will reduce the discount on renewal to 20%. The answer is C.提示
References:1.1.(c)
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32/359問題
32. 問題
1 分QID31:In the practice of motor insurance in Hong Kong, the no claim discount adopted by the insurer provides the highest discount rate to:
正確
A typical scale of NCD for private cars is such that one claim-free year earns a 20% NCD, the second year 30% and so on, rising to a maximum of 60% after five consecutive claim-free years. With other classes of vehicles, the scale of discount is very likely to start from 10%, rising to a maximum of 30% after three consecutive claim-free years. The answer is B.
錯誤
A typical scale of NCD for private cars is such that one claim-free year earns a 20% NCD, the second year 30% and so on, rising to a maximum of 60% after five consecutive claim-free years. With other classes of vehicles, the scale of discount is very likely to start from 10%, rising to a maximum of 30% after three consecutive claim-free years. The answer is B.
提示
References:1.1.(c)
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33/359問題
33. 問題
1 分QID32:In motor insurance, when can we get a no claim discount?
正確
A progressive discount on the renewal annual premium is offered if the preceding policy year has been claim-free. The answer is C.
錯誤
A progressive discount on the renewal annual premium is offered if the preceding policy year has been claim-free. The answer is C.
提示
References:1.1.(c)
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34/359問題
34. 問題
1 分QID38:In the “step-back system”, all discounts will not be cancelled due to a single claim, which is applicable to:
正確
With private cars, the NCD system operates on what is called a “step-back system”. This means that a single claim will not necessarily destroy an entitlement to next year’s discount. The answer is A.
錯誤
With private cars, the NCD system operates on what is called a “step-back system”. This means that a single claim will not necessarily destroy an entitlement to next year’s discount. The answer is A.
提示
References:1.1.(c)(ii)
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35/359問題
35. 問題
1 分QID39:Which of the following is unlikely to appear in the exclusions of most motor insurance policies?
正確
Common exclusions/exceptions include the insured vehicle being used otherwise than in accordance with the specified limitations as to the use of the vehicle, war and nuclear risks, and contractual liability. The answer is C.
錯誤
Common exclusions/exceptions include the insured vehicle being used otherwise than in accordance with the specified limitations as to the use of the vehicle, war and nuclear risks, and contractual liability. The answer is C.
提示
References:1.1.(d)
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36/359問題
36. 問題
1 分QID40:Which of the following do you expect to be excluded from the exclusions for non-extended motor vehicle policies issued in Hong Kong?
正確
The insurer may provide property insurance on the insured’s car.
Common exclusions/exceptions include accidents occurring outside the specified geographical area of cover.
An excess (or “deductible”) means that up to the stated amount of each loss is not insured.
The answer is A.
錯誤
The insurer may provide property insurance on the insured’s car.
Common exclusions/exceptions include accidents occurring outside the specified geographical area of cover.
An excess (or “deductible”) means that up to the stated amount of each loss is not insured.
The answer is A.
提示
References:1.1.(d)
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37/359問題
37. 問題
1 分QID41:How does motor insurance determine premiums?
正確
All the options are the common rating features. The answer is D.
錯誤
All the options are the common rating features. The answer is D.
提示
References:1.1.(e)
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38/359問題
38. 問題
1 分QID42:Which of the following is not considered by the insurer in determining the premium of a comprehensive private car policy?
正確
The common rating features do not include the sex of the insured. The answer is C.
錯誤
The common rating features do not include the sex of the insured. The answer is C.
提示
References:1.1.(e)
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39/359問題
39. 問題
1 分QID43:How to determine the premiums?
正確
All the options are the common rating features. The answer is D.
錯誤
All the options are the common rating features. The answer is D.
提示
References:1.1.(e)
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40/359問題
40. 問題
1 分QID44:Which of the following statements about the standard excesses is incorrect?
正確
One of the features of standard excesses is that they do not qualify for any discount on the premium. The answer is D.
錯誤
One of the features of standard excesses is that they do not qualify for any discount on the premium. The answer is D.
提示
References:1.1.(f)
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41/359問題
41. 問題
1 分QID45:There is a motor insurance policy excess that is required by the insured, usually in return for a discount on the policy. This excess is called:
正確
A voluntary excess is requested by the insured, in return for a premium discount. The answer is B.
錯誤
A voluntary excess is requested by the insured, in return for a premium discount. The answer is B.
提示
References:1.1.(f)
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42/359問題
42. 問題
1 分QID46:Which of the following descriptions of the deductible is correct?
正確
An excess (or “deductible”) means that up to the stated amount of each loss is not insured. The answer is A.
錯誤
An excess (or “deductible”) means that up to the stated amount of each loss is not insured. The answer is A.
提示
References:1.1.(f)
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43/359問題
43. 問題
1 分QID47:What is the “additional” deductible in motor insurance?
正確
“Additional” deductibles in motor insurance are those applicable for the purpose of the undertaking subject to special conditions of insurance. The answer is C.
錯誤
“Additional” deductibles in motor insurance are those applicable for the purpose of the undertaking subject to special conditions of insurance. The answer is C.
提示
References:1.1.(f)&2.3.3
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44/359問題
44. 問題
1 分QID50:The “avoidance of certain terms and right of recovery” clause is applicable to which of the following circumstances?
正確
There are situations where compulsory insurance requirements will not allow the insurer to deny policy liability for death or injury claims from third parties, even though there is a breach of policy terms on the part of the insured. The answer is A.
錯誤
There are situations where compulsory insurance requirements will not allow the insurer to deny policy liability for death or injury claims from third parties, even though there is a breach of policy terms on the part of the insured. The answer is A.
提示
References:1.1.(g)
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45/359問題
45. 問題
1 分QID48:The “avoidance of certain terms and right of recovery” clause applies to:
正確
There are situations where compulsory insurance requirements will not allow the insurer to deny policy liability for death or injury claims from third parties, even though there is a breach of policy terms on the part of the insured. The answer is B.
錯誤
There are situations where compulsory insurance requirements will not allow the insurer to deny policy liability for death or injury claims from third parties, even though there is a breach of policy terms on the part of the insured. The answer is B.
提示
References:1.1.(g)
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46/359問題
46. 問題
1 分QID12:In which of the following situations can the “avoidance of certain terms and right of recovery” clause be used?
正確
There are situations where compulsory insurance requirements will not allow the insurer to deny policy liability for death or injury claims from third parties, even though there is a breach of policy terms on the part of the insured. The answer is A.
錯誤
There are situations where compulsory insurance requirements will not allow the insurer to deny policy liability for death or injury claims from third parties, even though there is a breach of policy terms on the part of the insured. The answer is A.
提示
References:1.1.(g)
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47/359問題
47. 問題
1 分QID49:Which of the following is unlikely to involve the “avoidance of certain terms and right of recovery” clause in a motor insurance policy?
正確
Most commonly this will arise where the insured fails to report an accident to the insurer, or admits liability to a third party without obtaining the insurer’s prior written consent. The answer is B.
錯誤
Most commonly this will arise where the insured fails to report an accident to the insurer, or admits liability to a third party without obtaining the insurer’s prior written consent. The answer is B.
提示
References:1.1.(g)
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48/359問題
48. 問題
1 分QID51:Which of the following is likely not to involve the “avoidance of certain terms and right of recovery” clause?
正確
Most commonly this will arise where the insured fails to report an accident to the insurer, or admits liability to a third party without obtaining the insurer’s prior written consent.
In such cases, if the insured is liable to a third party, the insurer shall indemnify the third party notwithstanding the breach of the terms of the policy.
The answer is B.
錯誤
Most commonly this will arise where the insured fails to report an accident to the insurer, or admits liability to a third party without obtaining the insurer’s prior written consent.
In such cases, if the insured is liable to a third party, the insurer shall indemnify the third party notwithstanding the breach of the terms of the policy.
The answer is B.
提示
References:1.1.(g)&3.1.3 note
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49/359問題
49. 問題
1 分QID52:Which of the following does not fall under the major classes of motor vehicles?
正確
Major classes of motor insurance include private vehicle, motor cycle and commercial vehicle. The answer is C.
錯誤
Major classes of motor insurance include private vehicle, motor cycle and commercial vehicle. The answer is C.
提示
References:1.1.1&1.1.2&1.1.3
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50/359問題
50. 問題
1 分QID53:In motor insurance, the use of private cars is:
正確
Private car insurance is designed to cover the use of a car not primarily for carrying goods, but for the private use of the insured, or for carrying passengers not for hire or reward. The answer is B.
錯誤
Private car insurance is designed to cover the use of a car not primarily for carrying goods, but for the private use of the insured, or for carrying passengers not for hire or reward. The answer is B.
提示
References:1.1.1(a)
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51/359問題
51. 問題
1 分QID57:Which of the following is an exclusion in Hong Kong’s currently un-extended motor insurance coverage?
正確
This loss of or damage to the insured vehicle (own damage) section of the comprehensive private car policy has some specific exclusions, such as consequential loss (e.g. the cost of hiring another vehicle, whilst the insured vehicle is undergoing repairs after an accident). The answer is B.
錯誤
This loss of or damage to the insured vehicle (own damage) section of the comprehensive private car policy has some specific exclusions, such as consequential loss (e.g. the cost of hiring another vehicle, whilst the insured vehicle is undergoing repairs after an accident). The answer is B.
提示
References:1.1.1(a)(i)
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52/359問題
52. 問題
1 分QID54:A car rolled over at high speed and the whole car was damaged. But it did not cause any death or injury. Which of the following types of insurance policies are eligible for compensation?
正確
The scope of the comprehensive private car policy includes the loss of or damage to the insured vehicle. This is property insurance on an “all risks” basis, covering the insured’s car, and its accessories and spare parts whilst thereon, with indemnity limited to the reasonable market value of the car at the time of loss or damage. The answer is A.
錯誤
The scope of the comprehensive private car policy includes the loss of or damage to the insured vehicle. This is property insurance on an “all risks” basis, covering the insured’s car, and its accessories and spare parts whilst thereon, with indemnity limited to the reasonable market value of the car at the time of loss or damage. The answer is A.
提示
References:1.1.1(a)(i)
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53/359問題
53. 問題
1 分QID55:Which of the following is outside the scope of “own loss or damage” coverage of a Hong Kong motor insurance policy?
正確
This loss of or damage to the insured vehicle (own damage) section of the comprehensive private car policy has some specific exclusions, such as: depreciation, wear and tear, and electrical or mechanical
breakdown. (NB depending on the wording used, it is normally loss or damage itself which is excluded, rather than loss or damage caused by “depreciation …”. Therefore, where the insured vehicle is destroyed as a result of a collision consequent upon wear and tear of its brakes, only the destruction of the brakes will be excluded. The answer is B.錯誤
This loss of or damage to the insured vehicle (own damage) section of the comprehensive private car policy has some specific exclusions, such as: depreciation, wear and tear, and electrical or mechanical
breakdown. (NB depending on the wording used, it is normally loss or damage itself which is excluded, rather than loss or damage caused by “depreciation …”. Therefore, where the insured vehicle is destroyed as a result of a collision consequent upon wear and tear of its brakes, only the destruction of the brakes will be excluded. The answer is B.提示
References:1.1.1(a)(i)
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54/359問題
54. 問題
1 分QID56:Which of the following examples of loss or damage is covered by a comprehensive private car policy?
正確
This loss of or damage to the insured vehicle (own damage) section of the comprehensive private car policy has some specific exclusions, such as: depreciation, wear and tear, and electrical or mechanical
breakdown. (NB depending on the wording used, it is normally loss or damage itself which is excluded, rather than loss or damage caused by “depreciation …”. Therefore, where the insured vehicle is destroyed as a result of a collision consequent upon wear and tear of its brakes, only the destruction of the brakes will be excluded. The answer is D.錯誤
This loss of or damage to the insured vehicle (own damage) section of the comprehensive private car policy has some specific exclusions, such as: depreciation, wear and tear, and electrical or mechanical
breakdown. (NB depending on the wording used, it is normally loss or damage itself which is excluded, rather than loss or damage caused by “depreciation …”. Therefore, where the insured vehicle is destroyed as a result of a collision consequent upon wear and tear of its brakes, only the destruction of the brakes will be excluded. The answer is D.提示
References:1.1.1(a)(i)
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55/359問題
55. 問題
1 分QID58:The compulsory insurance cover of the legal liability of private cars is:
正確
The compulsory insurance cover is usually for the minimum HK$100 million any one event required by law. The answer is A.
錯誤
The compulsory insurance cover is usually for the minimum HK$100 million any one event required by law. The answer is A.
提示
References:1.1.1(a)(ii)
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56/359問題
56. 問題
1 分QID59:The extensions of cover of motor insurance policies include:
正確
A number of extensions of cover may be possible on payment of an extra premium. These include the deletion of a policy exclusion or adding benefits, such as extended personal accident cover, waiver of excess for third party property damage, etc.
The answer is D.錯誤
A number of extensions of cover may be possible on payment of an extra premium. These include the deletion of a policy exclusion or adding benefits, such as extended personal accident cover, waiver of excess for third party property damage, etc.
The answer is D.提示
References:1.1.1(b)(i)
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57/359問題
57. 問題
1 分QID60:Which of the following is the way to get a discount for private car insurance?
正確
Apart from NCD and discounts for voluntary excesses, discounts may be available for insuring more than one car under the same policy, or whilst the insured car is “laid-up” (i.e. temporarily out of use) for a minimum period. The answer is D.
錯誤
Apart from NCD and discounts for voluntary excesses, discounts may be available for insuring more than one car under the same policy, or whilst the insured car is “laid-up” (i.e. temporarily out of use) for a minimum period. The answer is D.
提示
References:1.1.1(b)(iii)
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58/359問題
58. 問題
1 分QID63:Which of the following is not covered by a motor cycle policy?
正確
There is neither a standard policy section for medical expenses nor an extended personal accident cover. The answer is D.
錯誤
There is neither a standard policy section for medical expenses nor an extended personal accident cover. The answer is D.
提示
References:1.1.2
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59/359問題
59. 問題
1 分QID62:In a motor cycle insurance policy, the exclusion of “own damage or accidental damage” includes:
(i) Loss due to motor cycle parts being stolen
(ii) Maintenance cost due to an accident
(iii) Medical expenses incurred by drivers due to accidental damage of insured vehicles
(iv) Excess正確
-Theft claims are only admissible if the whole machine is stolen. Loss of accessories alone is therefore not covered.
-There is usually a standard excess in respect of any loss of or damage to the insured machine (other than that arising from fire or theft).
-There is neither a standard policy section for medical expenses nor an extended personal accident cover.
The answer is D.
錯誤
-Theft claims are only admissible if the whole machine is stolen. Loss of accessories alone is therefore not covered.
-There is usually a standard excess in respect of any loss of or damage to the insured machine (other than that arising from fire or theft).
-There is neither a standard policy section for medical expenses nor an extended personal accident cover.
The answer is D.
提示
References:1.1.2
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60/359問題
60. 問題
1 分QID61:Which of the following is not covered by a motor cycle policy?
正確
There is neither a standard policy section for medical expenses nor an extended personal accident cover. The answer is D.
錯誤
There is neither a standard policy section for medical expenses nor an extended personal accident cover. The answer is D.
提示
References:1.1.2
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61/359問題
61. 問題
1 分QID64:Motor cycle insurance does not cover:
正確
There is neither a standard policy section for medical expenses nor an extended personal accident cover. The answer is C.
錯誤
There is neither a standard policy section for medical expenses nor an extended personal accident cover. The answer is C.
提示
References:1.1.2 (c)
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62/359問題
62. 問題
1 分QID65:Which of the following applies to motor cycle insurance?
(i) A claim for theft can only be made if the whole motor cycle is stolen
(ii) No medical expense coverage is provided
(iii) There is a standard excess for losses caused by fire or theft
(iv) The highest no claim discount is lower than for private cars正確
There is usually a standard excess in respect of any loss of or damage to the insured machine (other than that arising from fire or theft). The answer is B.
錯誤
There is usually a standard excess in respect of any loss of or damage to the insured machine (other than that arising from fire or theft). The answer is B.
提示
References:1.1.2&(c)
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63/359問題
63. 問題
1 分QID66:Types of insurance purchased for some special vehicles (e.g. ambulances or bulldozers) are:
正確
Specialized vehicles refer to the vehicles with unusual risk exposures, such as ambulances and vehicles used by undertakers, warrant special terms. The answer is C.
錯誤
Specialized vehicles refer to the vehicles with unusual risk exposures, such as ambulances and vehicles used by undertakers, warrant special terms. The answer is C.
提示
References:1.1.3 (a)
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64/359問題
64. 問題
1 分QID67:In Hong Kong, which of the following commercial vehicle insurance policies is more likely to cover the use of the vehicle as a tool of trade?
正確
In Hong Kong, specialized vehicle insurance policies are more likely to cover the use of the vehicle as a tool of trade. The answer is C.
錯誤
In Hong Kong, specialized vehicle insurance policies are more likely to cover the use of the vehicle as a tool of trade. The answer is C.
提示
References:1.1.3 (a)(ii)
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65/359問題
65. 問題
1 分QID68:If a commercial vehicle is used for construction work at the same time, such as digging holes in the ground, the commercial vehicle policy may refuse to provide protection during this period of operation. This exclusion is referred to as:
正確
For the use of the vehicle as a tool of trade (e.g. a mechanical digger whilst being used as such), this exclusion is known as the “tool of trade clause”. The answer is A.
錯誤
For the use of the vehicle as a tool of trade (e.g. a mechanical digger whilst being used as such), this exclusion is known as the “tool of trade clause”. The answer is A.
提示
References:1.1.3 (a)(ii)(1)
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66/359問題
66. 問題
1 分QID69:All types of motor insurance policies (except for the motor industry) have some general exclusions. Which of the following falls under the scope of exclusion?
正確
Food poisoning and related claims (in case the vehicle is used as a mobile food-vending outlet) are excluded. The answer is D.
錯誤
Food poisoning and related claims (in case the vehicle is used as a mobile food-vending outlet) are excluded. The answer is D.
提示
References:1.1.3 (b)&
2.3.5(a)(ii) -
67/359問題
67. 問題
1 分QID71:As the business of the garage is mostly related to motor vehicles and has special needs, the protection provided by is also different. Such policies are called:
正確
Motor trade risks refer to the garages and similar risks. Those whose business largely concerns motor vehicles, have special insurance needs. Policies for such risks may relate to the road use of vehicles or premises risks, with various combinations of cover available. The answer is A.
錯誤
Motor trade risks refer to the garages and similar risks. Those whose business largely concerns motor vehicles, have special insurance needs. Policies for such risks may relate to the road use of vehicles or premises risks, with various combinations of cover available. The answer is A.
提示
References:1.1.3 (b)(iv)
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68/359問題
68. 問題
1 分QID70:Garage and other similar risks may have special needs, including:
正確
Motor trade risks refer to the garages and similar risks. Those whose business largely concerns motor vehicles, have special insurance needs. Policies for such risks may relate to the road use of vehicles or premises risks, with various combinations of cover available. The answer is C.
錯誤
Motor trade risks refer to the garages and similar risks. Those whose business largely concerns motor vehicles, have special insurance needs. Policies for such risks may relate to the road use of vehicles or premises risks, with various combinations of cover available. The answer is C.
提示
References:1.1.3 (b)(iv)
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69/359問題
69. 問題
1 分QID72:Health insurance falls under which of the following categories?
正確
Health insurance (also known as “accident and health insurance”) is a type of “insurance of the person”, in the sense that the subject matter of the insurance is the life, limbs or health of a human being. The answer is B.
錯誤
Health insurance (also known as “accident and health insurance”) is a type of “insurance of the person”, in the sense that the subject matter of the insurance is the life, limbs or health of a human being. The answer is B.
提示
References:1.2.
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70/359問題
70. 問題
1 分QID75:The three main headings of the standard PA cover include lump sum benefits, medical expenses and:
正確
PA cover may be described under three main headings including lump sum benefits, weekly benefits, and medical expenses. The answer is A.
錯誤
PA cover may be described under three main headings including lump sum benefits, weekly benefits, and medical expenses. The answer is A.
提示
References:1.2.1 (a)
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71/359問題
71. 問題
1 分QID73:Weekly benefits of personal accident policies can be withdrawn under which of the following circumstances?
正確
Weekly benefits are periodic payments related to temporary total (i.e. 100%) disablement or temporary partial (i.e. less than 100%) disablement. The benefit is calculated weekly, but payments are usually made monthly during disablement, subject to a maximum period (say, 104 weeks) of payment. The answer is D.
錯誤
Weekly benefits are periodic payments related to temporary total (i.e. 100%) disablement or temporary partial (i.e. less than 100%) disablement. The benefit is calculated weekly, but payments are usually made monthly during disablement, subject to a maximum period (say, 104 weeks) of payment. The answer is D.
提示
References:1.2.1 (a)
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72/359問題
72. 問題
1 分QID74:Personal accident insurance was the first major class of accident insurance, originally developed to deal with a demand arising from the many accidents involving the early:
正確
PA insurance was the first major class of accident insurance, originally developed to deal with a demand arising from the many accidents involving the early railways. The answer is B.
錯誤
PA insurance was the first major class of accident insurance, originally developed to deal with a demand arising from the many accidents involving the early railways. The answer is B.
提示
References:1.2.1 (a)
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73/359問題
73. 問題
1 分QID76:According to personal accident insurance policies, in which of the following situations is the weekly benefit usually paid?
正確
Weekly benefits are periodic payments related to temporary total (i.e. 100%) disablement or temporary partial (i.e. less than 100%) disablement. The benefit is calculated weekly, but payments are usually made monthly during disablement, subject to a maximum period (say, 104 weeks) of payment. The answer is B.
錯誤
Weekly benefits are periodic payments related to temporary total (i.e. 100%) disablement or temporary partial (i.e. less than 100%) disablement. The benefit is calculated weekly, but payments are usually made monthly during disablement, subject to a maximum period (say, 104 weeks) of payment. The answer is B.
提示
References:1.2.1 (a) (i)
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74/359問題
74. 問題
1 分QID77:”Accidental bodily injury” in a personal accident policy is defined as:
正確
The definition of accidental bodily injury frequently includes such words as “physical injury from accidental, external, violent and visible means”. Customary wording includes a phrase such as “solely and independently of any other cause result in ……”. The answer is D.
錯誤
The definition of accidental bodily injury frequently includes such words as “physical injury from accidental, external, violent and visible means”. Customary wording includes a phrase such as “solely and independently of any other cause result in ……”. The answer is D.
提示
References:1.2.1 (b) (i)
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75/359問題
75. 問題
1 分QID79:Whether in the form of a separate policy or part of a combination policy, the general exclusions covered by personal accident insurance are more likely to include:
正確
Exclusions include suicide, deliberately self-inflicted injury and hazardous activities. The answer is D.
錯誤
Exclusions include suicide, deliberately self-inflicted injury and hazardous activities. The answer is D.
提示
References:1.2.1 (b) (v)
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76/359問題
76. 問題
1 分QID78:In which of the following circumstances does personal accident insurance require compensation?
(i) Suicide
(ii) Accidental death
(iii) Deliberately self-inflicted injury
(iv) Casualties caused by mountain climbing正確
Exclusions include suicide, deliberately self-inflicted injury and hazardous activities. The answer is B.
錯誤
Exclusions include suicide, deliberately self-inflicted injury and hazardous activities. The answer is B.
提示
References:1.2.1 (b) (v)
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77/359問題
77. 問題
1 分QID80:Personal accident insurance covers:
正確
Anti-social activities, such as suicide, deliberately self-inflicted injury, abuse of alcohol or drugs (other than taking of drugs prescribed by a qualified medical
practitioner) are exclusions. The answer is C.錯誤
Anti-social activities, such as suicide, deliberately self-inflicted injury, abuse of alcohol or drugs (other than taking of drugs prescribed by a qualified medical
practitioner) are exclusions. The answer is C.提示
References:1.2.1 (b) (v) (3)
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78/359問題
78. 問題
1 分QID81:The basic factors for determining accident insurance premiums include:
正確
Quite a number of individual features (e.g. age) may have underwriting consequences, but the standard premium calculation is based upon the insured’s occupation. The answer is D.
錯誤
Quite a number of individual features (e.g. age) may have underwriting consequences, but the standard premium calculation is based upon the insured’s occupation. The answer is D.
提示
References:1.2.1 (c)
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79/359問題
79. 問題
1 分QID82:Personal accident policies:
正確
PA policies normally last for one year, renewal being a matter of mutual agreement. A cancellation clause is usually included to allow unilateral cancellation of the policy mid-term with premium refund, subject to prescribed notification to the other party. The answer is B.
錯誤
PA policies normally last for one year, renewal being a matter of mutual agreement. A cancellation clause is usually included to allow unilateral cancellation of the policy mid-term with premium refund, subject to prescribed notification to the other party. The answer is B.
提示
References:1.2.1 (d) (iv)
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80/359問題
80. 問題
1 分QID87:Which of the following is true of the lump sum benefits of personal accident insurance?
i. Compensation is expressed as a percentage of the principal sum insured
ii. Death or major injury merits a 100% benefit
iii. The total amount of multiple injuries may be more than 100%
iv. Specified injuries and related benefit distribution are often specified in the policy正確
Compensation is usually expressed as a percentage of a sum specified in the policy. Death merits a 100% benefit, so does any one of such specified major
injuries as loss of two limbs and total loss of sight. In addition, the specified injuries and related benefit distribution are often specified in the policy. The answer is B.錯誤
Compensation is usually expressed as a percentage of a sum specified in the policy. Death merits a 100% benefit, so does any one of such specified major
injuries as loss of two limbs and total loss of sight. In addition, the specified injuries and related benefit distribution are often specified in the policy. The answer is B.提示
References:1.2.1(a)
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81/359問題
81. 問題
1 分QID83:Which of the following is not routinely covered by personal accident insurance?
正確
Lump sum benefits are single amounts payable in the event of death or other specified injury arising from an accident. The answer is B.
錯誤
Lump sum benefits are single amounts payable in the event of death or other specified injury arising from an accident. The answer is B.
提示
References:1.2.1(a)
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82/359問題
82. 問題
1 分QID84:Which of the following is not routinely covered by personal accident and sickness insurance?
正確
PA cover may be described under three main headings, with the insured person sustaining a prescribed bodily injury as a
common criterion for policy liability: lump sum benefits, weekly benefits and medical expenses. The answer is D.錯誤
PA cover may be described under three main headings, with the insured person sustaining a prescribed bodily injury as a
common criterion for policy liability: lump sum benefits, weekly benefits and medical expenses. The answer is D.提示
References:1.2.1(a)
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83/359問題
83. 問題
1 分QID86:Which of the following is not covered by the personal accident and sickness policy?
正確
PA cover may be described under three main headings, with the insured person sustaining a prescribed bodily injury as a
common criterion for policy liability: lump sum benefits, weekly benefits and medical expenses. The answer is C.錯誤
PA cover may be described under three main headings, with the insured person sustaining a prescribed bodily injury as a
common criterion for policy liability: lump sum benefits, weekly benefits and medical expenses. The answer is C.提示
References:1.2.1(a)
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84/359問題
84. 問題
1 分QID88:In a personal accident policy, under which of the following circumstances are weekly benefits most likely to be paid?
正確
Weekly benefits are periodic payments related to temporary total (i.e. 100%) disablement or temporary partial (i.e. less than 100%) disablement. The answer is D.
錯誤
Weekly benefits are periodic payments related to temporary total (i.e. 100%) disablement or temporary partial (i.e. less than 100%) disablement. The answer is D.
提示
References:1.2.1(a)(ii)
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85/359問題
85. 問題
1 分QID89:Which of the following is the correct statement of the medical expenses covered by the personal accident insurance policy?
正確
To be reimbursable, the medical expenses
incurred must arise from “bodily injury” rather than sickness and are subject to a limit any one event. The answer is C.錯誤
To be reimbursable, the medical expenses
incurred must arise from “bodily injury” rather than sickness and are subject to a limit any one event. The answer is C.提示
References:1.2.1(a)(Iii)
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86/359問題
86. 問題
1 分QID90:”Personal accident” insurance is required to make compensation for which of the following?
i. Suicide
ii. Accidental death
iii. Deliberately self-inflicted
iv. Casualties caused by mountain climbing正確
Suicide, deliberately self-inflicted injury, and hazardous activities are exclusions. The answer is B.
錯誤
Suicide, deliberately self-inflicted injury, and hazardous activities are exclusions. The answer is B.
提示
References:1.2.1(b)(v)
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87/359問題
87. 問題
1 分QID91:The age of the insured person under a personal accident policy:
正確
Although premiums are not based on the age of the insured person, policies usually specify an insurable band of ages (e.g. 18 to 70 years for adult cover). The answer is A.
錯誤
Although premiums are not based on the age of the insured person, policies usually specify an insurable band of ages (e.g. 18 to 70 years for adult cover). The answer is A.
提示
References:1.2.1€(v)
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88/359問題
88. 問題
1 分QID92:Which of the following is/are likely to be the exclusion(s) of personal accident insurance?
正確
All of these are exclusions. The answer is D.
錯誤
All of these are exclusions. The answer is D.
提示
References:1.2.1b(v)
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89/359問題
89. 問題
1 分QID93:Under the Hong Kong medical insurance mechanism, which of the following is covered:
正確
Whereas PA insurance is primarily intended to provide a benefit to the insured in the event of death or injury from accident, medical insurances are intended to cover medical expenses arising from accident or sickness. The answer is A.
錯誤
Whereas PA insurance is primarily intended to provide a benefit to the insured in the event of death or injury from accident, medical insurances are intended to cover medical expenses arising from accident or sickness. The answer is A.
提示
References:1.2.2
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90/359問題
90. 問題
1 分QID94:Medical insurance covers:
正確
Medical insurance is intended to cover medical expenses arising from accident or sickness. The answer is C.
錯誤
Medical insurance is intended to cover medical expenses arising from accident or sickness. The answer is C.
提示
References:1.2.2 (a)
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91/359問題
91. 問題
1 分QID95:In Hong Kong, the exclusions of a typical medical insurance do not include which of the following?
正確
Special exclusions of medical insurance include congenital conditions, pre-existing (i.e. prior to insurance) conditions and
disabilities, birth control/infertility treatment, cosmetic surgery, routine medical examinations and check-ups, dental treatment (unless arising from an accident during policy period). The answer is D.錯誤
Special exclusions of medical insurance include congenital conditions, pre-existing (i.e. prior to insurance) conditions and
disabilities, birth control/infertility treatment, cosmetic surgery, routine medical examinations and check-ups, dental treatment (unless arising from an accident during policy period). The answer is D.提示
References:1.2.2(b)
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92/359問題
92. 問題
1 分QID96:In medical insurance, the most likely coverage includes:
正確
Medical insurance is intended to cover medical expenses arising from accident or sickness.
Special exclusions of medical insurance include congenital conditions, pre-existing (i.e. prior to insurance) conditions and
disabilities, birth control/infertility treatment, cosmetic surgery, routine medical examinations and check-ups, dental treatment (unless arising from an accident during policy period).The answer is D.
錯誤
Medical insurance is intended to cover medical expenses arising from accident or sickness.
Special exclusions of medical insurance include congenital conditions, pre-existing (i.e. prior to insurance) conditions and
disabilities, birth control/infertility treatment, cosmetic surgery, routine medical examinations and check-ups, dental treatment (unless arising from an accident during policy period).The answer is D.
提示
References:1.2.2b
-
93/359問題
93. 問題
1 分QID649:The objective of the VHIS is to:
正確
The VHIS is designed to make it easier for consumers to access individual hospital insurance. The answer is B.
錯誤
The VHIS is designed to make it easier for consumers to access individual hospital insurance. The answer is B.
提示
References:1.2.3a
-
94/359問題
94. 問題
1 分QID646:The Voluntary Health Insurance Scheme is implemented by:
正確
The Voluntary Health Insurance Scheme (“VHIS”) is a policy initiative implemented by the Food and Health Bureau (“FHB”) of the Government. The answer is C.
錯誤
The Voluntary Health Insurance Scheme (“VHIS”) is a policy initiative implemented by the Food and Health Bureau (“FHB”) of the Government. The answer is C.
提示
References:1.2.3a
-
95/359問題
95. 問題
1 分QID647:The Voluntary Health Insurance Scheme is to regulate:
正確
The Voluntary Health Insurance Scheme (“VHIS”) is implemented by the Food and Health Bureau (“FHB”) of the Government to regulate individual indemnity hospital insurance products. The answer is B.
錯誤
The Voluntary Health Insurance Scheme (“VHIS”) is implemented by the Food and Health Bureau (“FHB”) of the Government to regulate individual indemnity hospital insurance products. The answer is B.
提示
References:1.2.3a
-
96/359問題
96. 問題
1 分QID648:Is the Voluntary Health Insurance Scheme mandatory?
正確
The Voluntary Health Insurance Scheme (“VHIS”) is a policy initiative implemented by the Food and Health Bureau (“FHB”) of the Government to regulate individual indemnity hospital insurance products, with voluntary participation by insurance companies and consumers. Under the VHIS, the participating insurance companies can offer indemnity hospital insurance plans (“IHIP”) that have been certified by the FHB (“Certified Plans”) for individual consumers to purchase voluntarily.
Insured persons under the VHIS must be Hong Kong residents (including holders of Hong Kong Identity Card) aged between 15 days and 80 years.
The answer is D.
錯誤
The Voluntary Health Insurance Scheme (“VHIS”) is a policy initiative implemented by the Food and Health Bureau (“FHB”) of the Government to regulate individual indemnity hospital insurance products, with voluntary participation by insurance companies and consumers. Under the VHIS, the participating insurance companies can offer indemnity hospital insurance plans (“IHIP”) that have been certified by the FHB (“Certified Plans”) for individual consumers to purchase voluntarily.
Insured persons under the VHIS must be Hong Kong residents (including holders of Hong Kong Identity Card) aged between 15 days and 80 years.
The answer is D.
提示
References:1.2.3a
-
97/359問題
97. 問題
1 分QID652:What is the deduction ceiling for voluntary health insurance?
正確
The deduction ceiling is $8,000 per insured person per year, irrespective of the number of policies that cover the insured person. However, there is no cap on the number of specified relatives who are eligible for tax deductions. The answer is B.
錯誤
The deduction ceiling is $8,000 per insured person per year, irrespective of the number of policies that cover the insured person. However, there is no cap on the number of specified relatives who are eligible for tax deductions. The answer is B.
提示
References:1.2.3b
-
98/359問題
98. 問題
1 分QID651:Taxpayers are entitled to tax deductions for the purchase of the VHIS. For which of the following persons can Mr. Chen obtain the deduction for the insurance he purchased for them?
I. His ex-wife
II. His wife’s grandparents
III. His wife’s brothers
IV. His illegitimate children正確
Taxpayers are entitled to tax deductions under salaries tax and personal assessment for qualifying premiums they pay on or after 1 April 2019 for Certified Plans for themselves or any of their “specified relatives” – defined to cover the taxpayer’s
I. spouse
II. children
III. Taxpayer’s or his/her spouse’s grandparents, parents and siblings錯誤
Taxpayers are entitled to tax deductions under salaries tax and personal assessment for qualifying premiums they pay on or after 1 April 2019 for Certified Plans for themselves or any of their “specified relatives” – defined to cover the taxpayer’s
I. spouse
II. children
III. Taxpayer’s or his/her spouse’s grandparents, parents and siblings提示
References:1.2.3b
-
99/359問題
99. 問題
1 分QID650:Taxpayers are entitled to tax deductions for the purchase of the VHIS. For which of the following persons can Mr. Chen obtain the deduction for the insurance he purchased for them?
正確
Taxpayers are entitled to tax deductions under salaries tax and personal assessment for qualifying premiums they pay on or after 1 April 2019 for Certified Plans for themselves or any of their “specified relatives” – defined to cover the taxpayer’s spouse and children and the taxpayer’s or his/her spouse’s grandparents, parents and siblings. The answer is D.
錯誤
Taxpayers are entitled to tax deductions under salaries tax and personal assessment for qualifying premiums they pay on or after 1 April 2019 for Certified Plans for themselves or any of their “specified relatives” – defined to cover the taxpayer’s spouse and children and the taxpayer’s or his/her spouse’s grandparents, parents and siblings. The answer is D.
提示
References:1.2.3b
-
100/359問題
100. 問題
1 分QID675:Can VHIS consumers choose ward classes?
正確
In the case of a Standard Plan, VHIS Providers should explain to consumers during the selling process and upon enquiry that all benefits described in the Standard Plan are not subject to any restriction in the choice of ward class. With Flexi Plans subject to restrictions in the choice of ward class, they should instead explain the targeted ward class and the details of benefit adjustment upon voluntary choice of higher ward classes, and that the insurance company will guarantee that such benefit adjustment will not apply in the event of involuntary ward upgrade, or to the Basic Benefits of the Flexi Plans (i.e. the coverage equivalent to the Standard Plan) in the event of voluntary ward upgrade. The answer is D.
錯誤
In the case of a Standard Plan, VHIS Providers should explain to consumers during the selling process and upon enquiry that all benefits described in the Standard Plan are not subject to any restriction in the choice of ward class. With Flexi Plans subject to restrictions in the choice of ward class, they should instead explain the targeted ward class and the details of benefit adjustment upon voluntary choice of higher ward classes, and that the insurance company will guarantee that such benefit adjustment will not apply in the event of involuntary ward upgrade, or to the Basic Benefits of the Flexi Plans (i.e. the coverage equivalent to the Standard Plan) in the event of voluntary ward upgrade. The answer is D.
提示
References:1.2.3c
-
101/359問題
101. 問題
1 分QID657:VHIS providers shall comply with:
I. Registration Rules for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme
II. Voluntary Health Insurance Scheme Certified Plan Policy Template
III. Product Compliance Rules under the Ambit of the Voluntary Health Insurance Scheme
IV. Rules for the Sale of the Voluntary Health Insurance Scheme正確
The FHB has set out the scheme rules in a set of scheme documents for compliance by VHIS Providers:
(i) Registration Rules for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme;
(ii) Voluntary Health Insurance Scheme Certified Plan Policy Template;
(iii) Product Compliance Rules under the Ambit of the Voluntary Health Insurance Scheme;
(iv) Code of Practice for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme.
The answer is A.錯誤
The FHB has set out the scheme rules in a set of scheme documents for compliance by VHIS Providers:
(i) Registration Rules for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme;
(ii) Voluntary Health Insurance Scheme Certified Plan Policy Template;
(iii) Product Compliance Rules under the Ambit of the Voluntary Health Insurance Scheme;
(iv) Code of Practice for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme.
The answer is A.提示
References:1.2.3c
-
102/359問題
102. 問題
1 分QID677:Which of the following organizations issued a guideline on medical insurance business to be applicable to all medical insurance business, including the VHIS, which will provide guidance on the expected standard and practices to ensure fair treatment of customers?
正確
The IA issued a guideline on medical insurance business to be applicable to all medical insurance business, including the VHIS. The guideline will provide guidance on the expected standard and practices to ensure fair treatment of customers. The answer is B.
錯誤
The IA issued a guideline on medical insurance business to be applicable to all medical insurance business, including the VHIS. The guideline will provide guidance on the expected standard and practices to ensure fair treatment of customers. The answer is B.
提示
References:1.2.3c
-
103/359問題
103. 問題
1 分QID653:The VHIS is administered by:
正確
The VHIS is administered by the Voluntary Health Insurance Scheme Office (“VHIS Office”) of the FHB. The answer is B.
錯誤
The VHIS is administered by the Voluntary Health Insurance Scheme Office (“VHIS Office”) of the FHB. The answer is B.
提示
References:1.2.3c
-
104/359問題
104. 問題
1 分QID666:Flexi plans can provide:
I. Basic benefits
II. Enhanced benefits
III. Other benefits正確
A Flexi Plan must provide Enhanced Benefits in addition to the Basic Benefits.
Both Standard Plan and Flexi Plan may encompass a minor element of benefits other than Basic Benefits and Enhanced Benefits, namely Other Benefits.
The answer is D.
錯誤
A Flexi Plan must provide Enhanced Benefits in addition to the Basic Benefits.
Both Standard Plan and Flexi Plan may encompass a minor element of benefits other than Basic Benefits and Enhanced Benefits, namely Other Benefits.
The answer is D.
提示
References:1.2.3c
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105/359問題
105. 問題
1 分QID665:Standard plans can provide:
I. Basic benefits
II. Enhanced benefits
III. Other benefits正確
A Standard Plan must offer terms and benefits equivalent to the minimum requirements of Certified Plans under the VHIS, namely Basic Benefits, as prescribed in the Policy Template.
Both Standard Plan and Flexi Plan may encompass a minor element of benefits other than Basic Benefits and Enhanced Benefits, namely Other Benefits.
A Flexi Plan must provide Enhanced Benefits in addition to the Basic Benefits.
The answer is C.
錯誤
A Standard Plan must offer terms and benefits equivalent to the minimum requirements of Certified Plans under the VHIS, namely Basic Benefits, as prescribed in the Policy Template.
Both Standard Plan and Flexi Plan may encompass a minor element of benefits other than Basic Benefits and Enhanced Benefits, namely Other Benefits.
A Flexi Plan must provide Enhanced Benefits in addition to the Basic Benefits.
The answer is C.
提示
References:1.2.3c
-
106/359問題
106. 問題
1 分QID654:What are the requirements for insurance companies that seek to offer VHIS-compliant products?
正確
Insurance companies seeking to offer VHIS-compliant products must first register as VHIS Providers and, before their Standard Plans and Flexi Plans (if offered) are marketed, each plan must have been successfully certified as a Certified Plan by the FHB. The answer is A.
錯誤
Insurance companies seeking to offer VHIS-compliant products must first register as VHIS Providers and, before their Standard Plans and Flexi Plans (if offered) are marketed, each plan must have been successfully certified as a Certified Plan by the FHB. The answer is A.
提示
References:1.2.3c
-
107/359問題
107. 問題
1 分QID667:Other benefits are allowed to form part of a certified plan to:
正確
Other benefits are allowed to form part of a Certified Plan to cater for the licensing requirement for long-term insurers to provide long-term insurance benefits (e.g. life insurance) in the individual IHIP they offer. The answer is A.
錯誤
Other benefits are allowed to form part of a Certified Plan to cater for the licensing requirement for long-term insurers to provide long-term insurance benefits (e.g. life insurance) in the individual IHIP they offer. The answer is A.
提示
References:1.2.3c
-
108/359問題
108. 問題
1 分QID658:Which of the following documents illustrates the minimum requirements on the policy structure, terms and benefits of certified plans, including standard plans and flexi plans?
正確
The Voluntary Health Insurance Scheme Certified Plan Policy Template(Policy Template) illustrates the minimum requirements on the policy structure, terms and benefits of Certified Plans, including Standard Plans and Flexi Plans. The answer is B.
錯誤
The Voluntary Health Insurance Scheme Certified Plan Policy Template(Policy Template) illustrates the minimum requirements on the policy structure, terms and benefits of Certified Plans, including Standard Plans and Flexi Plans. The answer is B.
提示
References:1.2.3c
-
109/359問題
109. 問題
1 分QID674:Can VHIS consumers choose healthcare services providers?
正確
In the case of a Standard Plan, VHIS Providers should explain to consumers during the selling process and upon enquiry that all benefits described in the Standard Plan are not subject to any restriction in the choice of healthcare services providers. With Flexi Plans subject to restrictions in the choice of healthcare services providers, they should instead explain the list of selected healthcare services providers, and that the restrictions are inapplicable to the Basic Benefits of the Flexi Plans, i.e. the coverage equivalent to the Standard Plan. The answer is D.
錯誤
In the case of a Standard Plan, VHIS Providers should explain to consumers during the selling process and upon enquiry that all benefits described in the Standard Plan are not subject to any restriction in the choice of healthcare services providers. With Flexi Plans subject to restrictions in the choice of healthcare services providers, they should instead explain the list of selected healthcare services providers, and that the restrictions are inapplicable to the Basic Benefits of the Flexi Plans, i.e. the coverage equivalent to the Standard Plan. The answer is D.
提示
References:1.2.3c
-
110/359問題
110. 問題
1 分QID655:VHIS products can be divided into:
I. Standard plans
II. Nonstandard plans
III. Mandatory plans
IV. Flexi plans正確
VHIS products can be divided into standard plans and flexi plans. The answer is C.
錯誤
VHIS products can be divided into standard plans and flexi plans. The answer is C.
提示
References:1.2.3c
-
111/359問題
111. 問題
1 分QID664:Compared with a standard plan, the terms and benefits of a plan will bring more protection to the customer, which is called a/an:
正確
The design of Flexi Plans must adhere to the “better-off principle” entailing terms and benefits which will bring more protection to customers when compared with a Standard Plan. The answer is D.
錯誤
The design of Flexi Plans must adhere to the “better-off principle” entailing terms and benefits which will bring more protection to customers when compared with a Standard Plan. The answer is D.
提示
References:1.2.3c
-
112/359問題
112. 問題
1 分QID663:Plans which offer terms and benefits equivalent to the minimum requirements of certified plans under the VHIS are called:
正確
A standard plan must offer terms and benefits equivalent to the minimum requirements of Certified Plans under the VHIS, namely Basic Benefits, as prescribed in the Policy Template. The answer is C.
錯誤
A standard plan must offer terms and benefits equivalent to the minimum requirements of Certified Plans under the VHIS, namely Basic Benefits, as prescribed in the Policy Template. The answer is C.
提示
References:1.2.3c
-
113/359問題
113. 問題
1 分QID662:Which of the following plans are certified plans according to the Product Compliance Rules under the Ambit of the Voluntary Health Insurance Scheme?
正確
All Certified Plans must be individual IHIP. The following are some examples that are not deemed to be individual IHIP: group insurance plans with master policy for employees; outpatient insurance plans; non-indemnity insurance plans including hospital cash plans and critical illness cash plans; and indemnity insurance plans that cover specific illnesses (e.g. cancer) only. The answer is B.
錯誤
All Certified Plans must be individual IHIP. The following are some examples that are not deemed to be individual IHIP: group insurance plans with master policy for employees; outpatient insurance plans; non-indemnity insurance plans including hospital cash plans and critical illness cash plans; and indemnity insurance plans that cover specific illnesses (e.g. cancer) only. The answer is B.
提示
References:1.2.3c
-
114/359問題
114. 問題
1 分QID661:Which of the following documents sets out the minimum product design requirements for an insurance plan to be certified as VHIS-compliant and the relevant product certification procedure?
正確
The Product Compliance Rules under the Ambit of the Voluntary Health Insurance Scheme set out the minimum product design requirements for an insurance plan to be certified as VHIS-compliant and the relevant product certification procedure. The answer is C.
錯誤
The Product Compliance Rules under the Ambit of the Voluntary Health Insurance Scheme set out the minimum product design requirements for an insurance plan to be certified as VHIS-compliant and the relevant product certification procedure. The answer is C.
提示
References:1.2.3c
-
115/359問題
115. 問題
1 分QID676:Benefits for diagnostic imaging tests are:
正確
VHIS Providers should explain to consumers during the selling process and upon enquiry the coinsurance arrangement of prescribed diagnostic imaging tests under the Standard Plan, and the coinsurance and deductible arrangements approved by the FHB for eligible Flexi Plans, if any. The answer is D.
錯誤
VHIS Providers should explain to consumers during the selling process and upon enquiry the coinsurance arrangement of prescribed diagnostic imaging tests under the Standard Plan, and the coinsurance and deductible arrangements approved by the FHB for eligible Flexi Plans, if any. The answer is D.
提示
References:1.2.3c
-
116/359問題
116. 問題
1 分QID659:The Voluntary Health Insurance Scheme Certified Plan Policy Template illustrates the minimum requirements on the ___, ___and ___ of certified plans.
I. Customer’s eligibility for insurance
II. Policy structure
III. Terms
IV. Benefits正確
The Voluntary Health Insurance Scheme Certified Plan Policy Template(Policy Template) illustrates the minimum requirements on the policy structure, terms and benefits of Certified Plans, including Standard Plans and Flexi Plans. The answer is D.
錯誤
The Voluntary Health Insurance Scheme Certified Plan Policy Template(Policy Template) illustrates the minimum requirements on the policy structure, terms and benefits of Certified Plans, including Standard Plans and Flexi Plans. The answer is D.
提示
References:1.2.3c
-
117/359問題
117. 問題
1 分QID673:With flexi plans subject to restrictions in territorial scope of cover, can hospitalization expenses abroad be covered?
正確
With Flexi Plans subject to restrictions in territorial scope of cover, VHIS Providers should explain the definition of regions with restrictions and the benefit adjustment rules, and that the reduction is inapplicable to the Basic Benefits of the Flexi Plans, i.e. the coverage equivalent to the Standard Plan. The answer is C.
錯誤
With Flexi Plans subject to restrictions in territorial scope of cover, VHIS Providers should explain the definition of regions with restrictions and the benefit adjustment rules, and that the reduction is inapplicable to the Basic Benefits of the Flexi Plans, i.e. the coverage equivalent to the Standard Plan. The answer is C.
提示
References:1.2.3c
-
118/359問題
118. 問題
1 分QID656:The products that can be marketed under the VHIS are called:
正確
An individual IHIP must be certified by the FHB before it can be marketed as a certified plan. The answer is C.
錯誤
An individual IHIP must be certified by the FHB before it can be marketed as a certified plan. The answer is C.
提示
References:1.2.3c
-
119/359問題
119. 問題
1 分QID669:Which of the following documents sets out the required conduct and practices covering product offering, migration arrangement, sales and marketing, handling of application, cooling-off period, after-sales services, etc. for VHIS providers to comply with so as to supplement the Policy Template?