第4部份：保險公司核心職能
Paper I — Principles and Practice of Insurance · Part 4: Core Functions of an Insurance Company
Q1 免費 Free
關於保險公司的產品開發職能，以下哪項描述最為正確？
Which of the following best describes the product development function of an insurance company?
顯示答案 / Show Answer
正確答案 / Correct Answer: C
- 由於競爭對手會急於模仿新產品，產品開發是一個持續不斷的過程。
- 即使是強制性保險類別，在呈現方式上仍有彈性空間。
- 產品開發部門負責開發新產品、監察市場趨勢、釐定不保事項及條件，以及制定保單措辭。
- Because competitors are eager to copy, product development is a never-ending process.
- Even compulsory classes have flexibility in presentation.
- The department develops new products, monitors trends, sets exclusions/conditions and determines policy wording.
Q2 免費 Free
核保員在評估一項風險時，下列哪一項不是主要考慮因素？
Which of the following is NOT a key factor considered by an underwriter when assessing a risk?
顯示答案 / Show Answer
正確答案 / Correct Answer: D
- 核保是為保險目的評估風險的過程。
- 核保員的主要考慮因素包括風險性質、索償歷史及風險承擔程度。
- 投保人的國籍偏好並非核保的關鍵因素；核保結果可能是標準條款接受、次標準條款接受、拒保或轉介給再保人。
- Underwriting is the assessment of risk for insurance purposes.
- Key factors include nature of risk, claims history and exposure.
- Nationality preference is not a key factor; outcomes may be acceptance, sub-standard terms, decline or referral to reinsurers.
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本應用為獨立學習工具，與香港保險業監管局 (IA) 無關，亦未獲其認可。
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