查看完整版本: 请教习题

请教习题

<p class="3" style="MARGIN: 0cm 0cm 0pt 22.7pt;"><span lang="EN-US"><font face="Times New Roman">1<span style="mso-tab-count: 1;">&nbsp;&nbsp; </span></font></span><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">就一张保单而言</span><span lang="EN-US"><font face="Times New Roman">,</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">同等条件下</span><span lang="EN-US"><font face="Times New Roman">,</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">下列等式中那一项不成立</span><span lang="EN-US"><font face="Times New Roman">?<span style="mso-tab-count: 4;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span></font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">（</span><span lang="EN-US"><span style="mso-spacerun: yes;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">）</span></b></p><p class="20" style="MARGIN: 0cm 0cm 0pt 42.55pt; tab-stops: 22.7pt 42.55pt 230.25pt;"><span lang="EN-US"><font face="Times New Roman">A.<span style="mso-tab-count: 1;">&nbsp;&nbsp; </span></font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">意外死亡险费率</span><span lang="EN-US"><font face="Times New Roman">&lt; </font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">意外伤害保险费率</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>B.</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">定期保险费率</span><span lang="EN-US"><font face="Times New Roman"> &lt;</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">定期两全费率</span><span lang="EN-US"><span style="mso-tab-count: 1;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span></p><p class="20" style="MARGIN: 0cm 0cm 0pt 42.55pt; tab-stops: 22.7pt 42.55pt 230.25pt;"><span lang="EN-US"><font face="Times New Roman">C.<span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp; </span></font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">联合人寿费率</span><span lang="EN-US"><font face="Times New Roman">&lt;<span style="mso-spacerun: yes;">&nbsp; </span></font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">普通人寿费率</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>D.</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">纯终身年金保费</span><span lang="EN-US"><font face="Times New Roman"> &lt; </font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">全额偿还终身年金</span></p><p class="3" style="MARGIN: 0cm 0cm 0pt 22.7pt;"><span lang="EN-US"><font face="Times New Roman"></font></span></p><p class="3" style="MARGIN: 0cm 0cm 0pt 22.7pt;"><span lang="EN-US"><font face="Times New Roman">2<span style="mso-tab-count: 1;">&nbsp; </span></font></span><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">某人为其进口</span><span lang="EN-US"><font face="Times New Roman">MASERATI</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">汽车购买保险</span><span lang="EN-US"><font face="Times New Roman">,</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">约定车辆价值为</span><span lang="EN-US"><font face="Times New Roman">40</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">万元</span><span lang="EN-US"><font face="Times New Roman">, </font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">免赔额为</span><span lang="EN-US"><font face="Times New Roman">1000</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元</span><span lang="EN-US"><font face="Times New Roman">; </font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">后车辆出事故</span><span lang="EN-US"><font face="Times New Roman">(</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">属保险责任</span><span lang="EN-US"><font face="Times New Roman">), </font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">全部维修费用</span><span lang="EN-US"><font face="Times New Roman">5</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">万元。此时</span><span lang="EN-US"><font face="Times New Roman">, MASERATI</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">在国内市场价格约</span><span lang="EN-US"><font face="Times New Roman">50</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">万元</span><span lang="EN-US"><font face="Times New Roman">,</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">请问保险公司应赔款多少</span><span lang="EN-US"><font face="Times New Roman">? </font></span></b><span lang="EN-US"><font face="Times New Roman"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span>(<span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>)<span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span></font></span></p><p class="3" style="MARGIN: 0cm 0cm 0pt 22.7pt;"><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>A. 49000</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 2;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>B. 39000</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 2;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>C. 50000</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元</span><span lang="EN-US"><font face="Times New Roman">,<span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>D.40000</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">元</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 6;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></font></span></p><p class="3" style="MARGIN: 0cm 0cm 0pt 22.7pt;"><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 6;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</span></font></span></p><p class="3" style="MARGIN: 0cm 0cm 0pt 22.7pt;"><span lang="EN-US"><font face="Times New Roman">3<span style="mso-tab-count: 1;">&nbsp; </span></font></span><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">某人春节参与韩国滑雪</span><span lang="EN-US"><font face="Times New Roman">5</font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">日游活动，在雪场被高速滑降的他人撞伤，医救无效而导致死亡。请问他所投保的那项保险最有可能拒赔？</span><font face="Times New Roman">
                        </font></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">（</span><span lang="EN-US"><span style="mso-spacerun: yes;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </font></span></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">）</span><span lang="EN-US"><p></p></span></b></p><p class="3" style="MARGIN: 0cm 0cm 0pt 22.7pt;"><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 1;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>A.</font></span><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">生死两全人寿</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 2;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>B. </font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">终身人寿</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-tab-count: 2;">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; </span>C. </font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">人身意外保险</span><span lang="EN-US"><font face="Times New Roman"><span style="mso-spacerun: yes;">&nbsp;&nbsp;&nbsp; </span>D.<span style="mso-spacerun: yes;">&nbsp; </span></font></span></b><b style="mso-bidi-font-weight: normal;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">旅游意外伤害保险</span><span lang="EN-US"><p></p></span></b></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 21pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-size: 10.5pt;"></span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><p></p></span></p><p class="2" style="MARGIN: 9pt 0cm 2pt;"><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><font face="Times New Roman">&nbsp;&nbsp;&nbsp;</font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-size: 10.5pt;"></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 21pt;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-size: 10.5pt;">请老师和同学们指教!感谢!</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><p></p></span></p>

<p>第一题：A</p><p>参考课件134页表，B、C两项应成立；D项中纯终身年金指被保险人死亡即停止年金给付，全额偿终身年金就是金额保底终身年金，其保费要高。</p><p>第二题：A</p><p>按题目所述，该合同中已经约定了车辆价值，应为定值保险。定值保险的赔偿额=保险金额*损失程度，此时的损失程度=标的实际价值-残值/实际价值。定值保险中的实际价值应以约定并记载在合同中的为准，不定值保险才考虑损失当时的实际价值。</p><p>第三题:C</p><p>意外伤害保险分为普通意外伤害保险和特定意外伤害保险,普通意外险中通常将被保险人参加潜水、滑雪等高风险活动作为除外责任。而旅游意外伤害保险中则可能根据具体的旅游项目加大风险保障的范围。</p><p>以上供参考。</p>

<p>个人认为第一题答案有误。是否是以下答案，欢迎指正</p><p>第一题：c</p><p>参考课件134页表，a、b两项应成立；D项中纯终身年金指被保险人死亡即停止年金给付，全额偿终身年金就是金额保底终身年金，其保费要高。</p>

关于第一题A选项，未想通为何<span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'mso-hansi-font-family:';">意外死亡险费率</span><span lang="EN-US"><font face="Times New Roman">&lt; </font></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'mso-hansi-font-family:';">意外伤害保险费率，同为意外险，按分类有意外伤害死亡伤残保险、意外伤害医疗费用保险等，题干中的意外死亡险、意外伤害保险是指哪一概念？</span>
[align=right][color=#000066][此贴子已经被作者于2007-10-13 20:57:10编辑过][/color][/align]

<p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt;"><span style="FONT-SIZE: 12pt; FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">关于第一题：</span><span lang="EN-US" style="FONT-SIZE: 12pt;"><p></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt;"><span style="FONT-SIZE: 12pt; FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">从字面上看，</span><span lang="EN-US" style="FONT-SIZE: 12pt;"><font face="Times New Roman">C</font></span><span style="FONT-SIZE: 12pt; FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;Times New Roman&quot;; mso-hansi-font-family: &quot;Times New Roman&quot;;">选项“</span><span style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;mso-hansi-font-family:&quot;; mso-bidi-font-size: 9.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Tahoma;">联合人寿费率</span><span lang="EN-US" style="FONT-SIZE: 12pt; COLOR: black; mso-bidi-font-size: 9.0pt;"><font face="Times New Roman">&lt;</font></span><span style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;mso-hansi-font-family:&quot;; mso-bidi-font-size: 9.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Tahoma;">普通人寿费率”的表述不十分准确。应该为“联合人寿保险的费率小于两个被保险人分别投保同类普通寿险的费率之和”，从这个角度理解，</span><span lang="EN-US" style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: &quot;mso-hansi-font-family:&quot;; mso-bidi-font-size: 9.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Tahoma;"><font face="Times New Roman">C</font></span><span style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;mso-hansi-font-family:&quot;; mso-bidi-font-size: 9.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Tahoma;">选项是不正确的。</span><span lang="EN-US" style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: &quot;mso-hansi-font-family:&quot;; mso-bidi-font-size: 9.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Tahoma;"><p></p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 24pt;"><span style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;mso-hansi-font-family:&quot;; mso-bidi-font-size: 9.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Tahoma;">关于</span><span lang="EN-US" style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: &quot;mso-hansi-font-family:&quot;; mso-bidi-font-size: 9.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Tahoma;"><font face="Times New Roman">A</font></span><span style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;mso-hansi-font-family:&quot;; mso-bidi-font-size: 9.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Tahoma;">选项“意外死亡险费率</span><span lang="EN-US" style="FONT-SIZE: 12pt; COLOR: black; mso-bidi-font-size: 9.0pt;"><font face="Times New Roman">&lt; </font></span><span style="FONT-SIZE: 12pt; COLOR: black; FONT-FAMILY: 宋体; mso-ascii-font-family: &quot;mso-hansi-font-family:&quot;; mso-bidi-font-size: 9.0pt; mso-hansi-font-family: &quot;Times New Roman&quot;; mso-bidi-font-family: Tahoma;">意外伤害保险费率”，题目的意思大概是，在意外事故中死亡的概率小于在意外事故中死亡或伤残的概率，故而前者的保险费率小于后者。不过题目中的表述确实令人费解。</span><span lang="EN-US" style="FONT-SIZE: 12pt;"><p></p></span></p>

呵呵，同意杨老师的分析意见。

<p>晕，考试出这种不清不楚的题要害死人滴。</p>

<p><font size="1">老师您好！</font></p><p><font size="1">&nbsp;&nbsp;&nbsp; 对于第二题的解答。我还是有点不清楚。题目没有给出残值，又怎么计算得出损失程度呢？而我在另外一本书上看到的“损失程度计算是＝（标的的合理市价－残值）/标的合理市价”（此时的标的合理市价应该是50万）？而您的公式里面的标的实际价值是指40万（定值保险中的实际价值应以约定并记载在合同中的为准）？该怎么理解呢？期待老师的解答，谢谢！</font></p><p><font size="1">第二题：A</font></p><p><font size="1">按题目所述，该合同中已经约定了车辆价值，应为定值保险。定值保险的赔偿额=保险金额*损失程度，此时的损失程度=标的实际价值-残值/实际价值。定值保险中的实际价值应以约定并记载在合同中的为准，不定值保险才考虑损失当时的实际价值。</font></p>

给杨老师[s:85] [s:85]

受益了。谢谢！[s:27]