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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654 題 전문 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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根據香港《保險業條例》對保險業務的分類，下列哪一項屬於「一般保險」業務的範疇？ --- According to the classification of insurance business under Hong Kong's Insurance Ordinance, which of the following falls under the category of "general insurance" business?

危疾保險（Critical Illness） --- Critical Illness

長期護理保險 --- long term care insurance

財產損壞保險 --- property damage insurance

終身壽險 --- whole life insurance

在一般保險的業務分類中，健康保險主要針對被保險人的身體健康、疾病或意外醫療開支提供保障。根據其保險標的的性質，健康保險通常被歸類為以下哪一類別？ --- 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?

人身保險 --- personal insurance

責任保險 --- liability insurance

財產保險 --- property insurance

經濟權益保險 --- economic rights insurance

根據香港《保險業條例》及一般保險實務，下列哪些類別的保險產品屬於「一般保險」的範疇？ (i) 財產損失保險（如火險及家居保險） (ii) 責任保險（如公眾責任險及僱員補償保險） (iii) 意外及健康保險（如個人意外險及醫療保險） --- 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)

只有 (i) 及 (ii) 正確 --- Only (i) and (ii) are correct

只有 (ii) 及 (iii) 正確 --- Only (ii) and (iii) are correct

只有 (i) 及 (iii) 正確 --- Only (i) and (iii) are correct

(i)、(ii) 及 (iii) 均正確 --- (i), (ii) and (iii) are all correct

根據一般保險業務的分類，醫療保障主要針對個人因疾病或意外受傷而產生的醫療開支提供補償，這應歸類為下列哪一項保險類別？ --- 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?

財產保險 (Property Insurance) --- Property Insurance

責任保險 (Liability Insurance) --- Liability Insurance

人身保險 (Insurance of the Person) --- Insurance of the Person

金錢損失保險 --- money loss insurance

在一般保險的實務中，保險保障範圍的界定方式主要分為兩大類。其中一類是以「全險」形式定義，而另一類則是： --- 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:

以「指明危險」為基礎的保障 --- Protection based on "specified perils"

以「除外責任」為首要定義的保障 --- Protection with “exclusions” as the primary definition

以「最高賠償限額」為核心的保障 --- Protection centered on "maximum compensation limit"

以「絕對法律責任」為準則的保障 --- Protection based on "absolute legal liability"

在一般保險實務中，若一份保險合約僅針對保單內明確列出的特定風險（例如：火災、閃電及爆炸）所導致的損失提供保障，這種保障形式被稱為： --- 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:

全險 (All Risks) --- All Risks

除外危險 (Excluded Perils) --- Excluded Perils

指明危險（只承保保單列明危險） --- Specified perils (only perils specified in the policy are covered)

責任保險 (Liability Insurance) --- Liability Insurance

在一般保險實務中，保險合約的承保範圍通常分為兩種形式。假設：保單 A 承保範圍列明為「火災、閃電及爆炸」；保單 B 承保範圍列明為「意外損失或損毀」。若保單 A 的承保方式被歸類為「指明危險」，則保單 B 的承保方式應被描述為： --- 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:

複合保險 (Combined Insurance) --- Combined Insurance

非指明危險 (Non-specified Perils) --- Non-specified Perils

全險（承保未被除外的意外損失或損毀，屬較寬承保方式） --- Comprehensive insurance (covers accidental loss or damage that is not excluded, which is a broader insurance method)

開放式承保 --- open underwriting

在一般保險業務中，「全險」保單通常承保意外性質的損失。下列哪一項或哪些成因所導致的損失，最「不可能」獲得此類保單的賠償？ --- 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?

財物遭到持械盜賊搶劫或偷竊 --- Property robbed or stolen by armed thieves

因環境濕度長期偏高而導致手錶內部零件自然鏽蝕 --- Due to long-term high environmental humidity, the internal parts of the watch will naturally corrode.

手錶因意外掉入海中而導致的內部機件損壞 --- Damage to the internal parts of the watch caused by accidentally falling into the sea

以上各項損失均不在保障範圍內 --- The above losses are not covered by the guarantee.

在大多數一般保險保單的標準條款中，通常會將某些具有災難性且難以評估的風險列為基本除外責任。除了「戰爭風險」外，下列哪一項亦屬於保單中常見的基本除外責任？ --- 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?

核子風險 --- nuclear risk

水災風險 --- flood risk

颱風風險 --- Typhoon risk

地震風險 --- earthquake risk

在一般保險保單中，「戰爭風險」及「核子風險」通常被列為標準除外責任。關於這兩類風險的性質，下列哪項描述最為正確？ --- 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?

只要投保人願意支付額外的保險費，保險人必須將其納入標準保障範圍 --- As long as the policyholder is willing to pay the additional premium, the insurer must include it in the standard coverage

它們屬基本風險，損失規模難以預測，通常不宜納入標準保障 --- They are basic risks, the scale of losses is difficult to predict, and they are generally not suitable for inclusion in standard protection.

在「全險」保單下，除非另有聲明，否則這兩類風險會自動獲得保障 --- Under an "all risk" policy, these two types of risks are automatically covered unless otherwise stated

這類風險屬於特定風險（Particular Risks），僅影響個別人士而非整個社會 --- Such risks are Particular Risks, which only affect individual individuals rather than the entire society.

根據香港一般保險實務及相關研習資料，汽車保險通常按車輛的用途和類型進行分類。下列哪一項「不屬於」研習資料手冊中所列出的主要汽車保險類別？ --- 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?

商用車輛 --- commercial vehicles

的士 --- taxi

電單車 --- motorcycle

私家車 --- private car

根據《一般保險營業員研習資料手冊》，汽車保險通常根據車輛的用途 and 類型進行分類。在保險實務中，下列哪一項「不屬於」汽車保險中最常見的慣常類別？ --- 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?

私家車 --- private car

出租汽車 --- taxi

商用車輛 --- commercial vehicles

電單車 --- motorcycle

在香港的汽車保險市場中，下列哪些類型的保險單會為受保車輛本身的損失或毀壞提供賠償保障？ (i) 「法令」保險 (ii) 第三者責任保險 (iii) 第三者責任、火災及盜竊保險 (iv) 綜合保險 --- 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

只有 (i) 及 (ii) --- Only (i) and (ii)

只有 (i) 及 (iii) --- Only (i) and (iii)

只有 (iii) 及 (iv) --- Only (iii) and (iv)

只有 (ii) 及 (iii) --- Only (ii) and (iii)

在發生道路交通意外時，若被保險車輛上的乘客不幸受傷，其相關的醫療費用賠償責任，最可能涵蓋在下列哪一種汽車保險的保障範圍內？ --- In the event of a road traffic accident, if a passenger in an insured vehicle is unfortunately injured, which of the following types of car insurance is most likely to cover his or her related medical expenses?

綜合保險（含第三者責任及自身車損） --- Comprehensive insurance (including third-party liability and own vehicle damage)

僅限於法定最低要求的保險 --- Cover limited to statutory minimum requirements

第三者責任、火災及盜竊保險 --- Third party liability, fire and theft insurance

以上所有選項均適用 --- All of the above options apply

在香港的汽車保險制度下，若一名乘客在交通意外中因司機的疏忽而受傷，下列哪種保險單能為被保險人對該乘客的法律責任提供保障？ --- Under Hong Kong's car insurance system, if a passenger is injured in a traffic accident due to the driver's negligence, which of the following insurance policies can protect the insured's legal liability to the passenger?

綜合保險 --- comprehensive insurance

第三者責任、火災及盜竊保險 --- Third party liability, fire and theft insurance

「法定」保險 --- "Statutory" insurance

以上所有選項均可 --- All of the above options are available

在一般保險業務（特別是汽車保險）中，關於保險人所承保的「第三者」保險，下列哪三項敘述是正確的？ (i) 它所提供的保障範圍通常較法例規定的「強制性」保障更為廣泛 (ii) 它的承保內容與純粹法例要求的「強制性」保障有所不同 (iii) 它通常包括了對第三者財產損毀的賠償保障 (iv) 它的保障範圍僅限於人身傷亡，並不包括任何第三者財產保障 --- 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

(ii), (iii), (iv)

(i), (iii), (iv)

(i), (ii), (iii)

(i), (ii), (iv)

在香港汽車保險市場中，下列哪一項保險類別所提供的保障範圍最為狹窄，僅滿足法律規定的最低要求？ --- In the Hong Kong car insurance market, which of the following insurance categories provides the narrowest coverage, meeting only the minimum requirements stipulated by law?

第三者責任保險 --- Third party liability insurance

綜合保險 --- comprehensive insurance

「法令」保險 --- "Legal" insurance

第三者責任、火災及盜竊保險 --- Third party liability, fire and theft insurance

在香港汽車保險市場中，保險公司通常提供的「第三者責任」保障範圍，與《汽車保險（第三者風險）條例》所規定的強制性法定保障範圍相比，下列哪項描述最為準確？ --- In the Hong Kong motor insurance market, the "Third Party Liability" coverage usually provided by insurance companies is compared with the mandatory statutory coverage stipulated in the Motor Insurance (Third Party Risks) Ordinance. Which of the following is the most accurate description?

保險公司提供的保障範圍通常較法例要求的範圍更廣 --- The coverage provided by insurance companies is usually broader than what is required by law

兩者的保障範圍在法律定義與實務操作上完全相同 --- The scope of protection of the two is exactly the same in terms of legal definition and practical operation.

保險公司提供的保障僅限於法例規定的死亡或身體受傷責任 --- The coverage provided by the insurance company is limited to liability for death or bodily injury as stipulated by law

保險公司提供的保障範圍較法例要求的強制範圍更窄 --- The coverage provided by insurance companies is narrower than the mandatory coverage required by law

根據香港《汽車保險（第三者風險）條例》（第272章）的法定要求，所有在道路上使用的汽車必須投保。下列關於該條例下「強制性保險保障範圍」的描述，哪一項最為準確且符合法律最低要求？ --- According to the statutory requirements of Hong Kong's Motor Vehicles Insurance (Third Party Risks) Ordinance (Chapter 272), all cars used on the road must be insured. Which of the following descriptions of "compulsory insurance coverage" under the Ordinance is most accurate and meets the minimum legal requirements?

僅限於因使用汽車而引致任何人士（包括乘客）死亡或身體受傷的法律責任 --- Liability limited to death or bodily injury to any person (including passengers) caused by the use of the vehicle

涵蓋因汽車事故導致第三者的身體傷亡及財產損失，且財產賠償限額不得低於港幣200萬元 --- Covers bodily injury and property damage to third parties caused by automobile accidents, and the property compensation limit shall not be less than HKD 2 million.

包括對第三者財產損毀的民事法律責任，但不包括對非法改裝車輛乘客的傷亡賠償 --- Including civil legal liability for damage to third party property, but does not include compensation for injury or death to passengers of illegally modified vehicles

必須提供無限額的第三者傷亡保障，以及法律規定的最低港幣1,000萬元的財產損毀保障 --- Must provide unlimited third-party casualty protection and a minimum property damage protection of HK$10 million as required by law