Insurance (tests MEI)

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Task 1.
Question 1. What insurance is the most primitive form?
1) Economic;
2) Natural;
3) Property;
4) Personal;
5) Voluntary.
Question 2. What is the medieval insurance?
1) Fraternal;
2) of the manufacturing;
3) Guild-shops;
4) workshops;
5) Professional.
Question 3. The medieval insurance differed from the ancient?
1) the presence of property insurance;
2) the availability of the insurance fund;
3) lack of insurance premiums;
4) greater breadth of insurance coverage;
5) All of the above.
Question 4: What is the difference between the joint-stock insurance companies and state insurance?
1) Insurance companies carry out only non-life insurance;
2) along with voluntary Gosstrakh applies compulsory insurance;
3) Joint stock insurance companies carry out only the compulsory insurance;
4) Insurance companies carry only private insurance;
5) There is no difference between them.
Question 5. What kind of insurance is carried insurance companies in Russia?
1) Liability insurance, pet insurance;
2) property insurance, transport risks;
3) Insurance of commercial operations, insurance default on contracts;
4) Insurance risks of loan default insurance of citizens;
5) All of the above.
Task 2.
Question 1: What are the signs determined the specificity of the insurance protection?
1) The term damage in kind or cash;
2) The random nature of the occurrence of a natural disaster or any other manifestation of destructive forces Priroda-hole;
3) Implementation of measures to prevent and overcome the consequences of a specific event;
4) Objective need for reparation;
5) All of the above.
Question 2. What is the insured event?
1) the insurer's obligation to pay the sum insured or the insurance indemnity;
2) The set of redistributive relations over the counter or damages, cause-specific direct objects of insurance;
3) The likelihood of damage to life, health and property of the insured as a result of insurance slu-tea;
4) The level of insurance valuation in relation to the value of the property accepted for insurance purposes;
5) the potential for damage to the insured object.
Question 3. In which cases is not paid the insurance indemnity?
1) Natural causes of the death of subjects;
2) intent or gross negligence of the insured;
3) defects in the property, which were known to the insurer;
4) Spontaneous combustion, fermentation, rotting, aging, corrosion of items;
5) All of the above.
Question 4. In some cases, insurance companies will not accept household property insurance?
1) Housing is not provided properly supervised;
2) Property located in storage, commission or handling;
3) The property is in common corridors, stairwells;
4) The property is in poor condition;
5) The property is situated on balconies and loggias of residential buildings.
Question 5. What are the mechanisms of insurance?
1) The effect of probability;
2) The effect of accumulation;
3) Effect of rare events;
4) The contents of paragraphs 2, 3;
5) The contents of paragraphs 1 and 2.


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