Grading Examination for Claims Adjuster Qualifications for Professional and Technical Positions in Claims
Basic Knowledge Test Paper for Public Accountants (AO01, Junior Basic Category)
Test Instructions< /p>
1. The full score of this exam is 100 points and the test duration is 120 minutes;
2. Each set of test papers has two copies, one each of the test question paper and the answer sheet;
3. Candidates please use black or blue ballpoint pens or signature pens to write on the answer sheet-j
4. All basic questions are objective questions, and you only need to write the letters and symbols of the answers.
Candidate Information
1. Multiple choice questions (each question is 1 point, maximum 50 points. Please fill in the answer number that represents the answer that best fits the meaning of the question.
Question paper)
l. In insurance theory and practice, risk has a specific meaning, that is, risk refers to (D).
A. Uncertainty about the location of a certain event B. Uncertainty about the profitability of a certain business activity
C. Uncertainty about the cause of a certain event D. Certain Uncertainty of whether a loss will occur
2. Among the following options, (D) is a pure risk.
A. Gambling B. Purchasing welfare lottery tickets C. Futures trading D. Car accident
3. Insurance has the following characteristics: "One person is for many, and many are for one" (B).
A. Economic B. Mutual assistance C. Legal D. Scientific
4. The insurance function that best reflects the characteristics and core competitiveness of the insurance industry is (A) .
A. Economic compensation function B. Financial coordination function
C. Social management function D. Disaster prevention and loss prevention function
5. Injury to people The subject matter of insurance should have (A), which is the prerequisite for the validity of the insurance contract.
A. Insurance interests B. Insurance relationship
C. Possession relationship D. Economic interests
6. The parties to the insurance contract voluntarily provide the other party with full and accurate information Tell all important facts about the insurance and no hypocrisy, deception or concealment will be tolerated
This statement is what the parties should follow (B).
A. Principle of insurable interests B. Principle of utmost good faith
C. Principle of loss compensation D. Principle of proximate cause
7. Li crossed the road on a snowy day At that time, he unfortunately encountered a collision between two cars and died. Later, the traffic police verified the accident vehicles A and B and found that the cause of the accident was drunk driving by the driver of vehicle A, and the proximate cause of Li's death was (C).
A. Heavy snow weather B. The driver of car A was drunk and driving
C. Car A crashed D. Li did not obey the rules when crossing the road
8. Zhu’s insured family For property (house) insurance, the insurance amount is 200,000 yuan based on the market price. If an insured accident causes a total loss, the market price at the time of the accident is 220,000 yuan. According to the compensation principle, the amount of compensation the insurer should bear is (C)
ten thousand yuan.
A.15B.18C.20D.22
9. Measuring its value in currency is an important condition in determining whether an item can become the subject of property insurance. Among the following options, the property that cannot be the subject of property insurance is (D).
A. Factory B. Machinery C. Ship D. Land
10. In our country, the basic insurance of motor vehicle insurance includes (C).
A. Vehicle loss insurance and total vehicle theft insurance B. Vehicle personnel liability insurance and third party liability insurance
C. Vehicle loss insurance and third party liability insurance D. Full vehicle theft and rescue insurance and third-party liability insurance
11. The insurer's behavior of handling the claim request made by the insured after a risk accident occurs in the insured subject is (B).
A. Risk identification B. Insurance claims C. Actuarial analysis D. Risk assessment
12. Article 23 of the new "Insurance Law" stipulates that the insurer receives the insured's Or the beneficiary's request for compensation or payment of insurance benefits shall be verified in a timely manner; if the situation is complicated, the verification shall be made within (B).
A.lO B.30 days C.60 days D.90 days
13. Among the following options, (C) is my country’s insurance regulatory agency.
A. State Council B. Banking Regulatory Commission C. Insurance Regulatory Commission D. National People’s Congress
14. Unless otherwise provided by law or otherwise agreed in the insurance contract, after the insurance contract is established, (A) The contract can be terminated, (A) the contract cannot be terminated.
A. Insurer: Insurer B. Insured; Insured
C. Insurer; Insured D. Insurer; Insured
15. The obligation to explain means that when concluding a contract, (C) should explain the contents of the insurance contract terms.
A. The policyholder to the insured B. The insurer to the insured
C. The insurer to the policyholder D. The policyholder to the beneficiary
16. If the violation of laws and administrative regulations is serious, the insurance regulatory agency of the State Council may ban the relevant responsible personnel (C).
A. Enter the insurance industry within a certain period, the period is three years
B. Enter the insurance industry within a certain period, the period is five years
C. Certain The period is up to life-long entry into the insurance industry
D. A certain period but not life-long entry into the insurance industry
17. Except for the circumstances stipulated in Article 42 of the "Insurance Company Management Regulations" and the China Insurance Regulatory Commission Unless otherwise provided, a branch (A) of an insurance company shall engage in insurance business.
A. Not allowed to cross provinces, autonomous regions, or municipalities directly under the Central Government B. Not allowed to cross prefecture-level cities
C. Not allowed to cross counties or urban areas D. Not subject to any geographical restrictions
18. The "Anti-Money Laundering Work Measures of China People's Property Insurance Co., Ltd." stipulates that each branch shall keep transaction records for at least (D) years from the year when the transaction is recorded.
A.1B.5C.8D.10
19. Property insurance in a narrow sense refers to (A).
A. Property damage insurance B. Liability insurance C. Credit guarantee insurance D. Accidental injury insurance
20. If the policyholder intentionally fails to fulfill the obligation to truthfully disclose the truth, the insurer shall Insured events that occurred before cancellation (B).
A. Not responsible for compensation, but will refund the insurance premium B. Not responsible for compensation, but not refunded insurance premium
C. Bear all liability for compensation D. Bear partial liability for compensation
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21. If the policyholder fails to fulfill the obligation of truthful disclosure due to negligence, the insurer shall be responsible for the insured accident that occurred before the insurance contract was terminated (A).
A. Not responsible for compensation, but refund the insurance premium B. Not responsible for compensation, but not refunded insurance premium
C. Bearing liability for compensation D. Bear part of the liability for compensation
22. The main content of the insurer’s performance of truthful disclosure is (C).
A. Insurance liability B. Insurance amount C. Liability exemption D. Insurance period
23. A subway project cost 5 billion yuan, and the owner purchased insurance from A, B, and C. The company insures the same construction project against all risks, with insurance amounts of 25 yuan, 1.5 billion yuan and 1 billion yuan respectively. This insurance method belongs to (B).
A. Duplicate insurance B. ***Same insurance C. Reinsurance D. Multiple insurances
24. For fixed value insurance contracts, the insurance value of the insured subject matter is (A) Sure.
A. When the contract is concluded B. When the accident occurs
C. The time agreed upon by both parties D. None of the above are correct
25. Unfixed value For insurance contracts, the insured value shall be determined in (B).
A. When the contract is concluded B. When the accident occurs
C. The time agreed upon by both parties D. None of the above are correct
26. No insurance interest The contract is (A).
A. Invalid contract B. Cancellable contract
C. Cancellable contract D. Modifiable contract
27. Zhang insured his family property The comprehensive insurance is 100,000 yuan. Unfortunately, a fire within the scope of liability occurs during the insurance period. The policy is terminated after the insurance company compensates 100,000 yuan. The reason for the termination of the policy is (C).
A. Natural termination B. Termination of agreement C. Termination upon completion of performance of obligations D. Termination by cancellation
28. According to the provisions of my country's "Insurance Law", the insurance contract stipulates that the insurer The condition for the validity of the liability exemption clause is (B).
A. The insurer informs the policyholder of the clause when the accident occurs
B. The insurer clearly states the clause to the policyholder when entering into the insurance contract
C. The insurer shall clearly state this clause in the insurance contract
D. This clause shall be approved by the insurance regulatory department
29. The insured or beneficiary shall not In the case of an insured accident, if the insured falsely claims that an insured accident has occurred and makes a request for compensation or payment of insurance benefits to the insurer, the insurer has the right (B).
A. Cancel the insurance contract and refund the insurance premium
B. Cancel the insurance contract and not refund the insurance premium
C. Cannot cancel the insurance contract, you can Bear liability for compensation
D. Not bear liability for compensation or payment of insurance benefits, but cannot terminate the insurance contract
30. The insurer already knew that the policy holder had not truthfully informed his obligations when the contract was concluded. , the legal consequences that will arise after an insured accident occurs are (A).
A. The insurance company shall not terminate the contract and assume the corresponding insurance liability
B. The insurance company will not assume the insurance liability on the grounds that the policyholder failed to truthfully inform the truth, but will refund the insurance premium.
C. The insurance company will not assume insurance liability and will not refund the insurance premium on the ground that the policy holder failed to inform the truth.
D. The insurance company will not refund the insurance premium on the ground that the policy holder failed to inform the truth truthfully. Terminate the contract
31. Among the following options, the one that belongs to the claim settlement timeliness indicator is (D).
A. Loss estimation deviation rate B. Case cancellation rate
C. Risk rate D. Current case claims settlement cycle
32. According to the provincial centralized plan for claims settlement, The person with the authority to approve advance compensation is (A).
A. Provincial branch B. Prefecture-level branch
C. County branch with the right to settle claims D. None of E is correct
33. According to the company's relevant claims management regulations, the branch must report to the superior company in step (B) for claims that exceed the branch's authority.
A. Receive the report B. File the case C. Prepay D. Close the case
34. According to the company’s relevant claims management regulations, the claim authority should be determined based on (A).
A. Amount of reported loss or estimated loss B. Amount of prepaid compensation
C. Amount of insurance D. Insurance value
35. Under normal circumstances, the insured The actual value of the subject matter insured is determined based on the value (D) of similar local property at the time of the insured accident.
A. Actual price B. Estimated price C. Replacement price D. Market price
36. After the insurer determines the insurance liability, if it is covered by the insurance liability, it will negotiate with the insured (A) after the person or beneficiary reaches an agreement to compensate or pay insurance benefits, perform the obligation to compensate or pay insurance benefits.
A.10 days B.10 working days C.15 days D.15 working days
37. Among the following options, the matters that can be registered and canceled are (B) .
A. The customer did not submit claim information for six months after reporting the case
B. The customer formally gave up the claim
C. The claims adjuster judged that the claim could be refused
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D. All of the above are possible
38. According to the provincial centralized plan for claims settlement, when hiring an adjuster from the head office’s directory for claims cases within the jurisdiction of a prefecture-level branch, (B) should be used.
A. Report directly to the head office for approval B. Recruit directly from the prefecture-level branch
C. Report to the provincial branch for approval D. Report to the provincial branch
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39. Additional costs incurred for any changes, performance increases or improvements to the insured property during the repair or replacement process shall be paid at the time of compensation (A).
A. Deduction B. No further deduction C. Negotiation D. All of the above
40. According to the new "Insurance Law", for claims that are refused, correct The approach is (B).
A. Orally notify the insured B. Issue a written notice of refusal of compensation and explain the reasons
C. Wait until the insured inquires and inform D. Either way
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41. After the insured accident or event stipulated in the insurance contract occurs, the insurance compensation or payment liability that the insurer shall bear is called (D).
A. Insurance compensation B. Insurance benefits C. Insurance protection D. Insurance liability
42. According to the requirements of the "Anti-Money Laundering Work Measures of China People's Property Insurance Co., Ltd.", compensation If the amount is more than RMB (A) or the foreign currency equivalent (A) US dollars, the insurance company shall check the valid identity certificate or other identification documents of the insured or beneficiary, and confirm the relationship between the insured, the beneficiary and the policy holder. relationship, register the basic information of the insured and the beneficiary, and keep copies or photocopies of valid identity documents or other identification documents.
A.10000,1000B.20000,2000
C.30000,3000D.50000,5000
43. When the insured subject is damaged, the insurer’s The correct approach is (C).
A. Insurance compensation should be made immediately
B. Only if it is caused by non-insurance risks, the compensation liability will be borne
C. Only if it is caused by insurance risks Compensation liability will only be borne by the insured
D. Compensation will only be made when the insured wants to file a lawsuit
44. In insurance claims, expenses cannot be listed as claims in the compensation case. The cost is (D).
A. Assessment fee B. Litigation fee C. Survey fee D. Expert fee
45. Additional terms are modifications or changes to basic terms, and their effect is basically (C) terms.
A. Lower than B. Equal to C. Better than D. Similar
46. If the insurer compensates the total loss, the residual value should belong to (B).
Nine insured B. Insurer C. Insurance broker D. Insurance regulatory department
47. In insurance claims, the accident that requires a certificate from the public security department is (B ).
A. Heavy rain B. Theft C. Explosion D. Flood
48. What is not a basic task of insurance claims is (B).
A. Determine the cause of loss of the insured subject B. Assist relevant departments to carry out rescue and disaster relief
C. Determine the extent and amount of loss of the insured subject D. Determine the amount of compensation for the insured< /p>
49. The purpose of claim settlement is to fulfill the insurance terms and ensure the interests of (D).
A. Insured B. Insurer C. Beneficiary D. Both parties to the contract
50. For non-chiefs of *** and joint insurance business, (A) file a case deal with.
A. After receiving the notification of the accident report B. After receiving the notification of compensation sharing
C. At any time D. None of the above
2. Multiple-choice questions (2 points each, maximum 40 points). If there are two or more answers that match the meaning of the question, please fill in the answer sheet with the number representing the correct answer. Choose as few as possible but choose more 1 point for correct answer, no points for multiple or wrong choices)
l. Insurance classification is to classify insurance business according to certain standards. If classified according to the implementation method, insurance can be divided into (C, D).
A. Group insurance B. Individual insurance
C. Compulsory insurance D. Voluntary insurance
2. The conditions for establishing insurance interests include (A, B, C).
A. Insurable interests must be legitimate interests B. Insurable interests must be definite interests
C. Insurable interests must be economic interests D. Insurable interests must be interests realized in the future
3. The principle of utmost good faith stipulates that both parties to the contract must fulfill their reporting obligations. Among them, the form in which the policy holder fulfills its notification obligation is (CD).
A. Clearly stated B. Clearly explained C. Unlimited notification D. Asking state for notification
4. In the settlement of property insurance claims, the claim adjuster must follow the insurance terms and the company's There are internal fire business rules and regulations for claim verification, and the claim verification content mainly includes (ABCD).
A. Participate in the investigation process B. Determine whether it is covered by insurance liability
C. Determine whether the amount of loss is accurate D. Issue a claim verification opinion
5. Insurance practice The important links include (ABC).
A. Sales B. Underwriting C. Claims settlement D. Service
6. According to the provisions of my country's "Insurance Law", insurance contracts can take the form of (ACD).
A. Insurance policy B. Insurance policy C. Temporary insurance policy D. Insurance certificate
7. The contents of the "six prohibitions" include (ABCD).
A. It is strictly prohibited to pay bills, tear up documents and make Yin and Yang bills. B. It is strictly prohibited to create false compensation cases.
C. It is strictly prohibited to set up external accounts and small treasury. D. It is strictly prohibited to list expenses in compensation. Other expenses other than those specified
8. The subject matter of property insurance is (AC).
A. Material property B. Human life span C. Relevant economic interests D. Natural rivers
9. According to the method of determining the insurance value, property insurance can be divided into (BC).
A. Property damage insurance B. Fixed value insurance C. Unvalued insurance D. Compulsory insurance
10. The property insurance system includes (ACD) at the first level.
A. Property damage insurance B. Agricultural insurance C. Liability insurance D. Credit guarantee insurance
11. According to the principle of loss compensation, the limit of loss compensation is (ABC) .
A. Actual loss B. Insured amount C. Insured interest D. Insured value
12. The reasons for the invalidity of property insurance contracts include (ABC).
A. The subject of the contract is unqualified B. The intention of the parties is untrue
C. The content is illegal D. The form is illegal
13. According to the company's According to the Regulations on the Management of Final Compensation Cases, one of the conditions that must be met for registration and cancellation is (ABCD).
A. It is not covered by insurance.
B. It is covered by insurance, but the customer waives the claim.
C. The customer has reported the case, but two days have passed since the date of the accident. No claim application and related claim documents were submitted during the year
D. Invalid data (junk data)
14. The principles that should be followed in insurance claims include (BCD).
A. Full compensation B. Abiding by the contract and keeping promises
C. Seeking truth from facts D. Active, prompt, accurate and reasonable
15. The company’s future The time-based claims settlement policy includes (ABCD).
A. Win-win management B. Centralized control C. Unified standards D. Nearby service
16. According to the company's "Outstanding Claims Management Regulations", go to the options and you should Adjustments to the estimated loss amount (ABC).
A. The insured adjusts the reported loss amount and items B. The estimated loss amount changes after another inspection and loss assessment
C. The estimated loss amount changes after negotiating with the customerD. Year-end manual adjustments
17. According to the company's "Outstanding Claims Management Regulations", the adjustment methods for the estimated loss amount include (ABC).
A. Timely adjustment B. Monthly verification C. Quarterly evaluation D. Financial adjustment
18. According to the company’s provincial centralized plan for claims settlement, the key links that need to be controlled by provincial centralized operations are: (ABC).
A. Delay in filing the case B. Cancellation of the case C. Accommodating compensation review D. Adjustment of estimated loss amount
19. Losses can be divided into direct losses and indirect losses. Indirect losses are (BCD).
A. Factory loss B. Expected profit loss C. Order loss D. Goodwill loss
20. The two main functions of insurance claims are (AC).
A. Fulfill the insurance contract B. Prevent disasters and losses C. Provide customer service D. Prevent insurance fraud
3. True or False questions (1 point each, ***10 points .
Fill in the judgment results in the answer sheet ("√" means correct, "x" means wrong)
l. From a risk perspective, fire, explosion, ship collision, human death and disease are all It is a risky accident. (√)
2. The basis for the performance of the respective rights and obligations between the insurance parties is insurance interests. (x)
3. Storms, heavy rains, and floods are insurance liabilities covered by the basic insurance of Jinye Property Insurance. (x)
4. In property insurance, if the insured amount exceeds the insured value of the subject matter insured, the insurance contract is invalid. (x)
5. Prepare or provide false reports, statements, documents, and information. If the circumstances are serious, the business scope may be restricted, ordered to stop accepting new business, or the business license revoked. (√)
6. According to the "Insurance Law", the statute of limitations for property insurance claims is 2 years, calculated from the date of the accident. (√)
7. Due to business expansion, Company A temporarily rented a set of equipment for production. Since the equipment does not belong to Company A, Company A has no insurance interest in the equipment and Xiao Neng can indemnify it. Insure. (x)
8. In the history of the insured accident, the insured was eager to recover and failed to notify the insurer in time, resulting in the insurer being unable to confirm part of the loss. The insurer has the right not to assume liability for losses that cannot be confirmed. (√)
9. For compensation cases within the jurisdiction of the prefecture-level company, the prefecture-level branch can independently decide on accommodation matters. (x)
10. If the insured person reports the case directly to the company counter, salesperson or insurance company, the person receiving the case should forward the report to 95518 within 10 minutes.
(√)
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