问题 单项选择题

某矿主徐某为其雇佣的15名矿工投保了团体险附加意外伤害医疗险,保险单未载明受益人,在一次瓦斯中毒事件中,3名矿工死亡。关于这起事故()。

A.徐某交纳保费,根据权利和义务对等原则,保险金应由徐某领取

B.按照保险法有关规定,保险合同未规定受益人的,保险金应作为被保险人的遗产由其继承人继承

C.未规定受益人,无人受益,不予给付

D.矿主交纳保费,但死者直系亲属为法定继承人,因而保险金应由双方共享

答案

参考答案:B

解析:本题考查受益人这一知识点。《保险法》规定:"被保险人死亡后,遇有下列情形之一的,保险金作为被保险人的遗产,由保险人向被保险人的继承人履行给付保险金的义务:(1)没有指定受益人;(2)受益人先于被保险人死亡,没有其他受益人的;(3)受益人依法丧失受益权或者放弃受益权,没有其他受益人的。"显然B选项是对的。

阅读理解

Based on new analysis, we are rapidly approaching major climate change and the effects on society and the environment could be quite severe. Geographers predict that within the next eighty years, current world climate zones could shift and some could completely disappear. Polar regions will get colder while tropical regions will get even hotter, forcing animals to migrate  (迁徙) north.

Climate changes like these could lead to the spread of diseases. Tropical storms and hurricanes will not only increase but may also become more intense. If the changes come too quickly, animal and plant species may not be able to adapt fast enough and could disappear.

According to Science Daily, a new study predicts that by the year 2100, many of today’s familiar climates will be replaced by climates unknown in today’s world. It is urgent that we reduce the risks of these far-reaching consequences for the whole world. The planet itself has been showing signs of change. In 2004, a serious tsunami created by a major earthquake killed thousands in Sumatra and in 2008, thousands died in China because of another severe earthquake. Egypt was hit in 2009 with a major earthquake and Haiti was devastated in 2010 by yet another massive earthquake.

Within just the last few months, new reports from around the world have been coming in and most agree that our climate situation is much worse than previously thought. At this point, it doesn’t matter what is causing it, but rather, what can be done about it. What’s more, our world is getting more and more unstable every year. There is war and threat of war everywhere. Natural disasters are becoming more frequent and serious.

However, other planets are experiencing global warming as well as our own and some scientists believe there may be some connection between this. No one knows anything for sure at this point because there is simply not enough data.

小题1: Which of the following would be the best title for the Passage ?

A.Ways to protect our planet.

B.Solutions to climate change.

C.Be prepared for climate change.

D.Climate change and its effects.小题2: What is the author’s purpose in using the examples of earthquakes?

A.To show the damage earthquakes caused.

B.To remind people to prevent future earthquakes.

C.To show major changes are taking place on the planet.

D.To tell us more earthquakes will happen in the future.小题3: What does the underlined word “devastated” in Paragraph 3 mean?

A.Separated.

B.Destroyed.

C.Removed.

D.Affected.小题4: What can be inferred from the Passage?

A.Animals and plants won’t die out as long as climate changes slowly.

B.There’s enough data for us to predict the future of climate change.

C.The world is getting more unstable because of animal migration.

D.The earth is not the only planet that is experiencing climate change.

单项选择题