HKDSE Biology Practice & Notes
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專業考試保險中介人
IIQE 卷二 一般保險 中介人考試題庫｜唔使再靠雞精
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666 題 quizBank.difficulty.5 8/8/2026
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IIQE保險中介人資格考試卷二「一般保險」題庫，免費線上練習。涵蓋火險、水險、汽車保險、責任保險等產品、保險合約條款及香港監管框架，附計時模擬測驗及錯題重溫。適合投考保險牌照及一般保險從業員。題目按考…
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20 questions available freeAccording to the classification of insurance business under Hong Kong's Insurance Ordinance, which of the following falls under the category of "general insurance" business?
In the business classification of general insurance, health insurance mainly provides protection for the insured's physical health, illness or accidental medical expenses. Based on the nature of its subject matter insured, health insurance is usually classified into which of the following categories?
According to Hong Kong's Insurance Ordinance and general insurance practice, which of the following types of insurance products fall within the scope of "general insurance"? (i) Property damage insurance (such as fire and home insurance) (ii) Liability insurance (such as public liability insurance and employees’ compensation insurance) (iii) Accident and health insurance (such as personal accident insurance and medical insurance)
According to the classification of general insurance business, medical insurance mainly provides compensation for medical expenses incurred by individuals due to illness or accidental injury. Which of the following insurance categories should this be classified into?
In general insurance practice, the definition of insurance coverage is mainly divided into two categories. One category is defined in the form of "all risk", while the other category is:
In general insurance practice, if an insurance contract only provides protection against losses caused by specific risks (such as fire, lightning and explosion) explicitly listed in the policy, this form of protection is called:
In general insurance practice, the coverage of insurance contracts is usually divided into two forms. Assumptions: Policy A’s coverage is listed as “fire, lightning and explosion”; Policy B coverage is listed as "accidental loss or damage." If Policy A's coverage is classified as "specified perils," then Policy B's coverage would be described as:
In general insurance business, "all risk" policies usually cover losses of an accidental nature. Which of the following causes or causes is least likely to be compensated by this type of policy?
Certain risks that are catastrophic and difficult to assess are often listed as basic exclusions in the standard terms of most general insurance policies. In addition to "war risk", which of the following is also a common basic exclusion in insurance policies?
In general insurance policies, "war risk" and "nuclear risk" are usually included as standard exclusions. Which of the following is the most accurate description of the nature of these two types of risks?
According to Hong Kong’s general insurance practice and related study materials, car insurance is usually classified according to the purpose and type of vehicle. Which of the following "does not belong" to the major categories of auto insurance listed in the study manual?
According to the "General Insurance Salesperson Study Material Manual", automobile insurance is usually classified according to the purpose and type of the vehicle. In insurance practice, which of the following "does not belong" to the most common customary categories in automobile insurance?
In Hong Kong's car insurance market, which of the following types of insurance policies will provide compensation protection for loss or damage to the insured vehicle itself? (i) "Statutory" insurance (ii) Third party liability insurance (iii) Third party liability, fire and theft insurance (iv) Comprehensive insurance
In a private-car policy, under which form of cover is the personal “medical expenses” benefit (which does not first require the driver’s legal liability to the occupant to be established, and is not third-party liability cover) normally found?
Under Hong Kong's motor-insurance system, if a passenger is injured in a traffic accident because of the driver's negligence, which policy can cover the insured's legal liability to that passenger?
In general insurance business (especially automobile insurance), which three statements below are correct regarding the "third-party" insurance underwritten by the insurer? (i) The scope of protection it provides is usually broader than the "mandatory" protection provided by law (ii) Its coverage content is different from "mandatory" coverage that is purely required by law (iii) It usually includes compensation protection for damage to third party property (iv) Its coverage is limited to personal injury and death and does not include any third party property protection
In Hong Kong motor insurance, which cover meets only the minimum compulsory requirements of the Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272) and therefore has the narrowest scope?
In Hong Kong motor insurance, compared with the Act Only minimum required by the Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272), which statement about a market Third Party policy is most accurate?
Under Hong Kong’s Motor Vehicles Insurance (Third Party Risks) Ordinance (Cap. 272), which option most accurately describes the minimum insurance required when a motor vehicle is used on a road?
In mandatory automobile casualty liability, the minimum required amount of insurance is:
考生最常中伏嘅題目
根據本題庫其中 662 條有足夠作答樣本嘅題目、累計 41,730 次真實作答統計，以下選項最多考生揀錯——溫習時特別留神。
1
在火災營業中斷保險的保單條款中，指明在受保危險發生後，被保險人有權獲得損失補償的一段特定時間，該期間在專業術語中稱為：
最多人誤揀：中斷期間
55% 作答者揀咗呢個錯誤選項 · 此題累計 80 次作答
2
在一般保險的核保實務中，若核保人評估特定風險後，決定在標準保單條款之外，額外要求投保人必須安裝特定的防盜系統或承擔較高的自負額，以作為承保的前提條件。這類針對個別保單而增設、用以規…
最多人誤揀：履行條款 (Operative Clause)
43% 作答者揀咗呢個錯誤選項 · 此題累計 72 次作答
3
在一般保險的範疇中，法律責任的產生可歸納為法定責任、普通法下的侵權責任以及合約責任。關於標準責任保險保單對上述責任的承保效力，下列哪項陳述最為準確且符合一般保險實務慣例？
最多人誤揀：根據香港法律，所有強制性保險（如僱員補償保險）必須同時涵蓋法定、普通法及所有合約下產生的賠償責任。
42% 作答者揀咗呢個錯誤選項 · 此題累計 69 次作答
4
以下哪項對閃電發生所引致的火警的描述是正確的？
最多人誤揀：是一個基本風險，包括在保單的保障範圍內
33% 作答者揀咗呢個錯誤選項 · 此題累計 84 次作答
5
在香港一般保險市場的發展初期，現代所稱的「盜竊保險」（Theft Insurance）在早期的保險實務及保單名稱中，通常被稱為什麼？
最多人誤揀：盜竊保障保險
30% 作答者揀咗呢個錯誤選項 · 此題累計 91 次作答
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