问题 单项选择题

某制药厂在2005年投保了产品责任保险,保险期限为1年,以"期内发生式"为基础承保。在保险期限内,一患者服用该厂2005年生产的药物,因其配制上的过失致使该患者身体受到了潜在的伤害。该患者在2008年发现并提出索赔,法院判定制药厂要承担相应的经济赔偿责任。保险人是否要承担赔偿责任?()

A.否,因为索赔是在保险期满后提出的

B.是,因为患者的损害是在保险期内发生的

C.是,因为导致患者损害的被保险产品是在保险期限内生产的

D.否,因为患者的损害是在保险期满后发现的

答案

参考答案:B

解析:期内发生式的责任期限,即使产品是在保险生效前几年生产或销售的,只要该产品在保险期限内发生事故并导致对用户的损害,不论被保险人何时提出索赔,保险公司均负赔偿责任。该患者的伤害发生在保险期限内,因此保险人应承担赔偿。

阅读理解

Tuvalu, north of Fiji, is a tiny country in the Pacific Ocean.

Storms and huge waves are a constant threat and none of Tuvalu's nine little islands is more than five metres above sea level. Salt water is already entering the country's drinking water supply, as well as damaging plants that produce fruit and vegetable.It fears it will be swallowed up by the sea. Without urgent help, the country's days are numbered.

But Tuvalu is not the first place to face sinking into the sea. Venice, a historic city in Italy best known for its canals, has sunk about 24cm over the past 100 years. Experts say that it will have sunk another 20-50cm by 2050. A century ago, St. Mark's Square, the lowest point in the city, flooded about nine times a year. Nowadays, it happens more than 100 times.

While Venice is slowly sinking into the mud on which it stands, Tuvalu's rising sea level is caused by global warming.

The average global temperature has increased by almost 0.5 centigrade degree over the past century; scientists expect it to rise by an extra 1-3 degrees over the next 100 years.

Warmer weather makes glaciers melt, adding more water to the ocean. The warmer temperatures also make water expand, so it takes up more space, causing the sea level to rise. The sea level has risen about 10-25cm in the last 100 years.

People have been increasing the greenhouse gases in the atmosphere, such as CO2, through burning coal, oil and gas. This adds to the power of the greenhouse effect, making the planet even warmer.

Many scientists believe that, if the warming is not stopped, there will be huge climate changes. The sea level could rise by one metre this century.

Should this come true, millions of homes would be swallowed up by the sea and the world will be flooded with "climate refugees" looking for somewhere else to live.

小题1: We can infer from Paragraph 2 that ______.

A.Tuvalu is in danger of being swallowed up by the sea

B.all Tuvalu’s islands are about five meters above the sea level

C.drinking water in Tuvalu has been destroyed

D.Tuvalu is often flooded by storms and waves小题2:The author uses Tuvalu and Venice as examples in order to explain ______.

A.they are the first places sinking into the sea

B.they are both sinking into the mud where they stand

C.they will disappear in the future

D.their trouble is caused by global warming小题3: What does the underlined word “refugees” mean?

A.People forced away from their homeland.

B.Sudden changes caused by world climate.

C.Animals whose lives are closely connected with weather.

D.Bad effect of climate changes.小题4: Which of the following is NOT true according to the text?

A.The main cause of global warming is human pollution.

B.The average global temperature has risen by 1-3 centigrade degrees over the past 100 years.

C.The warmer temperature causes the sea level to rise.

D.There will be huge climate changes unless the warming is stopped.小题5:According to the passage, the root cause of global warming is _______.

A.the burning of coal, oil and gas

B.the position change of the solar system

C.human pollution

D.carbon dioxide emission

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