[{"data":1,"prerenderedAt":46},["ShallowReactive",2],{"q-fin_plan_tools-48-043":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"fin_plan_tools","理財規劃人員專業能力測驗——理財工具","c8",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"fin_plan_tools-48-043","48",43,"下列何者是現行住宅火災保險的額外費用之補償事項？",[13,14,15,16],"閃電雷擊","航空器墜落","臨時住宿","爆炸",2,"保險的運用",1,"現行住宅火災保險的額外費用補償項目中，臨時住宿費屬之，正解為(C)。臨時住宿費用是指承保建築物因保險事故受損而不適居住時，被保險人另覓住所所增加的合理開銷，屬於保險事故衍生的附帶費用補償。(A)閃電雷擊、(B)航空器墜落、(D)爆炸則都是住宅火災保險所承保的基本危險事故本身，也就是造成財產直接損失的原因，理賠的是建築物與內部財物的實際毀損，而非事故後衍生的額外開支。判斷關鍵在於區分「承保的危險事故」與「事故發生後的額外費用補償」兩類，臨時住宿明顯屬於後者。","medium",[23,27,31,35,39,43],{"id":24,"question":25,"qno":26},"fin_plan_tools-46-038","依主管機關頒布之「人壽保險單示範條款」規定，下列何者非屬保險理賠之除外責任項目？",38,{"id":28,"question":29,"qno":30},"fin_plan_tools-46-039","下列何者非屬生存保險之特性？",39,{"id":32,"question":33,"qno":34},"fin_plan_tools-46-040","有關旅行平安險，下列敘述何者錯誤？",40,{"id":36,"question":37,"qno":38},"fin_plan_tools-46-041","某甲為全家人投保壽險，全年所繳保費為：本人 30,000 元、妻子 28,000 元、兒子 18,000 元、女兒 15,000 元、若全家合併申報綜合所得稅採列舉扣除方式，則可扣除之保險費為下列何者？",41,{"id":40,"question":41,"qno":42},"fin_plan_tools-46-042","下列何種養老保險係為因應通貨膨脹以確保將來給付時之保單價值所設計之保險？",42,{"id":44,"question":45,"qno":10},"fin_plan_tools-46-043","下列何種保險係以「非由疾病引起之外來突發事故所致之傷害、殘廢與死亡」為保險事故？",1787293950775]