第3部份：保險原則

Q1 免費 Free

以下關於可保利益的定義的陳述，哪些正確？ I. 投保人與保險標的之間受法律承認的財務關係 II. 投保人與保險人之間的合約關係 III. 投保人對保險標的的道德關注

Which of the following statements about 可保利益的定義 are correct? I. A legally recognised financial relationship between the insured and the subject matter II. A contractual relationship between the insured and the insurer III. A moral concern of the insured for the subject matter

• A. II only
• B. I 及 II only
• C. I only
• D. II 及 III only

• A. II only
• B. I and II only
• C. I only
• D. II and III only

顯示答案 / Show Answer

正確答案 / Correct Answer: C

• 可保利益是指投保人與保險標的之間受法律承認的關係。
• 該關係必須具備財務價值，即可以金錢衡量。
• 沒有可保利益的保險合約無效，會被視為賭博。

• Insurable interest is a legally recognised relationship between the insured and the subject matter.
• The relationship must be financial and capable of valuation in money.
• Without insurable interest, the contract is void and treated as wagering.

Q2 免費 Free

可保利益原則的其中一個主要目的是：

One of the main purposes of the insurable interest principle is to:

• A. 增加保險公司的利潤
• B. 防止以保險進行賭博及減低道德風險
• C. 降低保費
• D. 保障保險中介人的佣金

• A. Increase insurer profits
• B. Prevent gambling with insurance and reduce moral hazard
• C. Lower premiums
• D. Protect intermediary commissions

顯示答案 / Show Answer

正確答案 / Correct Answer: B

• 可保利益可防止投保人利用保險進行賭博或投機。
• 它亦有助減低道德風險及避免過度投保。
• 這確保保險合約具有合法且正當的目的。

• Insurable interest prevents the use of insurance for gambling or speculation.
• It also helps reduce moral hazard and over-insurance.
• This ensures the insurance contract has a legitimate purpose.