[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-senior_fin_s2-9-030":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":22},"senior_fin_s2","高齡金融規劃顧問師資格測驗——第二節","c6",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":19,"explanation":20,"difficulty":21},"senior_fin_s2-9-030","9",30,"有關保險「免責期」，下列何者錯誤？",[13,14,15,16],"防止帶病投保","免責期依規定不得超過六個月","主要適用於失能扶助險或長期照顧保險上","被保險人符合理賠條件後，必須持續維持該狀態達約定天數，保險公司才會給付理賠金",0,"高齡金融相關商品",1,"免責期（又稱免責期間）是指被保險人符合理賠條件後，必須持續維持該失能或需長期照顧狀態達契約約定天數，保險公司才開始給付保險金，設計目的在於排除短暫、可回復的狀態，確認損失具持續性並控制道德風險。(A) 防止帶病投保是「等待期」（waiting period）的功能，指契約生效後一段期間內發生保險事故不予理賠，與免責期的機制與時點都不同，故為錯誤敘述。(B) 依主管機關規定免責期最長不得超過六個月。(C) 免責期主要出現在失能扶助險與長期照顧保險等長年期給付型商品。(D) 即免責期的定義本身。","medium",[23,27,30,34,38,42],{"id":24,"question":25,"qno":26},"senior_fin_s2-10-029","有關小額終老保險的敘述，下列何者正確？",29,{"id":28,"question":29,"qno":10},"senior_fin_s2-10-030","有關實支實付型與日額型的敘述，下列何者正確？",{"id":31,"question":32,"qno":33},"senior_fin_s2-10-031","有關中央銀行 113 年 10 月 09 日公布「中央銀行對金融機構辦理不動產抵押貸款業務規定」（以下簡稱本規定）之協處措施，下列敘述何者錯誤？",31,{"id":35,"question":36,"qno":37},"senior_fin_s2-10-049","重大疾病保險的保障範圍通常包含下列哪一項？",49,{"id":39,"question":40,"qno":41},"senior_fin_s2-10-050","減額繳清保險會造成下列何種現象？",50,{"id":43,"question":44,"qno":26},"senior_fin_s2-8-029","採用第六回經驗生命表計算出來死亡保險的保費金額，會比用第五回經驗生命表算出來的保費金額高或低？",1784944960013]