问题 多项选择题

甲于1997年3月为其10岁儿子乙投保人身保险,没有指定受益人,自保险合同成立时起,甲一直按时支付保险费。2000年9月,乙因一次医疗事故而致残。依我国保险法规定,以下观点中不正确的表述有()。

A.甲须先向医院索赔,再要求保险公司支付保险金

B.保险公司应先向甲支付保险金,才能取得代位权向医院追偿

C.乙可以用诉讼方式要求保险公司支付保险金

D.保险合同未指定受益人,如乙因此次事故死亡,保险公司应向投保人甲支付保险金

答案

参考答案:A,B

解析:本题涉及人身保险合同问题。依照《保险法》第64、68条规定,被保险人死亡后,保险合同未指定受益人的,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。人身保险的被保险人因第三者的行为而发生死亡、伤残或者疾病等保险事故的,保险人向被保险人支付保险金后,不享有向第三者追偿的权利。但被保险人或者受益人仍有权向第三者请求赔偿。故本题选项为AB。

选择题
阅读理解

I know it is wrong to envy your children. But when I see my son, Tonio and his younger brother Sam going down a slide together, one’s arm around the other, I know I have missed something wonderful.

Not only did I never have a brother, but also I had no friendships like theirs. My sister was old enough to help take care of me, so she was more a mother than a playmate, and I was more a pest than a friend. A brother would have been wonderful, but it was not in the family planning.

Now I finally live with brothers, my sons, Tonio and Sam. I am watching them build the kind of relationship that I once dreamed about. They go to bed together. When one comes into our bed after a nightmare, my wife and I know that before morning his brother will follow.

Sam manages the world with more ease than his elder brother, whose frustrations often bring him to tears. With a sincere “Smile, Tonio,” Sam is the one who comforts him. Tonio, on the other hand, has stopped playing with boys at his age who don’t like playing with Sam. They are always backing each other up.

I don’t know what kind of relationship they will have when they grow up. Parents always want their children to have what they never could. I want them to have each other. So I imagine them going to the same college, marrying sisters and living on the same block.

That’s why I was so worried the day Tonio started kindergarten. I felt that I would lose something too. As we headed for school that morning, both boys seemed relaxed, as if neither had any idea that the day was going to be different, that starting then, Tonio would be leaving behind his brother, his best friend, his right arm.

Tonio’s first day was chaotic, with hundreds of children outside looking for their teachers. Before any of us could say goodbye, Tonio disappeared with his new classmates. He turned to wave and then was gone. It was so sudden. Sam even didn’ t see him go. Although parents had been asked to ease the craziness of the first day by statying out of the school, I lifted Sam up and took him to Tonio’s classroom, looking for a glimpse of Tonio. Sam spotted him first.

My wife and I didn’t head back home immediately, stopping instead at a coffee shop to treat Sam to hot chocolate. We even let him eat ice-cream with his fingers. Sam was still quiet, so I asked him if he missed his brother already.

He didn’t answer. Instead he asked, “Daddy, is Tonio going to be gone forever?”

“No, Sammy,” I said, feeling happy about his sweet question. “Not forever, just until three o’clock.”

I sometimes think that the greatest thing I have ever done is to help create these brothers. And I didn’t stop with them. We had another child, and for the third time in a row, it was a boy. It wasn’t long before his brothers climbed into the crib(婴儿床) to play with him. I am surrounded by brothers.

小题1:What makes the author envy his sons?

A.He has no friends like Sam and Tonio.

B.He has only one brother in his family.

C.He doesn’t enjoy brotherhood as they do.

D.He doesn’t have a good relation with his sister.小题2:What does the underlined word “pest” in paragraph 2 mean?

A.a bad person

B.an annoying person

C.a good companion

D.a lovely brother小题3:What can we learn about the two little brothers?

A.Tonio often encouraged Sam when Sam burst into tears.

B.The two brothers went to the same kindergarten.

C.Neither of the brothers played with other children.

D.They supported each other in different ways.小题4:The author was worried the day Tonio started his kindergarten, because__________.

A.Tonio might not spend so much time with Sam

B.Tonio might not do well with his study

C.he was afraid he would lose Tonio forever.

D.he wanted Tonio to have what he didn’t have小题5:On the first day of the kindergarten, __________.

A.Tonio had a nice day playing with his new classmates

B.Sam was very sad because Tonio was gone forever

C.Sam was allowed to have ice-cream with fingers as usual

D.the father felt happy when he sensed Sam’s love to Tonio小题6:What does the title “Surrounded by Brothers” suggest?

A.The author experienced brotherly affection by raising his sons.

B.The author often plays with his sons whenever he has time.

C.Parents want their children to stay at home and play together.

D.The youngest son is always surrounded by his elder brothers.