2005年保险学考卷答案标准.DOCVIP

PAGE PAGE 4 2006年《保险学原理》考卷答案标准 （2004级保险、金融学 本科生） Ⅰ. 单项选择题 （每小题1分，共10分） 1.B 2. B 3.C 4.D 5.A 6.D 7.C 8.B 9.D 10.A Ⅱ. 多项选择（每小题2分，共20分） BCD 2.AC 3. ABD 4.AB 5.ACD 6.ABCD 7.ABC 8.BCD 9.BCD 10.BDE Ⅲ. Brief Answers（共24分） 1．What is an insurable interest? Why is an insurable interest required in every insurance contract? (6) Answers: (1)An insurable interest is one of the fundamental principles of insurance. It states that the insured must be in a position to loss financially if a loss occurs, or to incur some kind of harm if the loss take place. For example, a person has an insurable interest in his or her car because he or she may loose financially if the car is damaged or stole. (2)There are differences between an insurable interest in property and liability insurance and life insurance. In property and liability insurance, each of the following situation can support an insurable interest, namely, ownership of property, potential legal liability, secured creditors and contractual right. In life insurance, an insurable interest does not arise when a person buy life insurance on her own. In such cases as closes ties of blood, marriage, the legal guardians, the employers, ect., an insurable interest can be met. (3) In property insurance, the insurable interest must exist at the time of the loss. In contrast, in life insurance, the insurable interest must be met only at the inception of the policy, not at the time of death. (4) To be legally enforceable, all insurance contracts must be supported by an insurable interest. The reasons are as follows: first, an insurable interest is necessary to prevent gambling. Second, an insurable interest reduces moral hazard. Third, in property insurance, an insurable interest measures the amount of the insured’s loss. Describe the major parts of an insurance contract? List out the major types of exclusions typically found in insurance contracts. Why are exclusions used by insurers? (6) Answers: (1) an