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问题 单项选择题

陈烨家房屋价值80万元，装修费用10万元，室内物品总计约为15万元。他投保了家庭财产综合保险，其中房屋的保险金额为25万元，房屋装修的保险金额为5万元，室内物品保险金额总计为10万元。保险期限内，陈烨家发生保险事故，造成房屋损失10万元，装修损失5万元，室内物品损失11万元。同时还发生了1万元的施救费用，其中房屋装修的施救费用2000元，室内物品的施救费用8000元。假设出险时的财产价值与投保时相同，则下列说法正确的是______。

A．陈烨的房屋损失可以获得赔偿10万元
B．室内物品采用第一损失赔偿，故陈烨的室内物品损失可以得到全部赔偿，即可以得到11万元
C．室内物品的施救费用赔偿和室内物品的损失赔偿总计不能超过室内物品的保险金额10万元
D．陈烨可以获得的各项赔偿金额合计为16.525万元

答案

参考答案：D

解析： 房屋和装修保险都是不定值保险，并且保险金额都小于保险价值，属于不足额投保的保险合同，按照比例赔付的方式，房屋赔偿：10×(25/80)=3.125万元，装修赔偿：5×(5/10)=2.5万元，A错误。室内物品采用第一损失赔偿，在保险金额内，按实际损失予以赔付，超过保险金额部分，由被保险人承担，所以室内财产应该赔偿10万元，B错误。施救费用按实际支出另行计算，最高不超过受损标的的保险金额，因此室内物品和施救费用两项赔偿总计不能超过室内财产保险金额的2倍，即20万元，C错误。施救费用的赔偿方式与保险标的一致，因此装修的施救费可获得2000×(5/10)=1000元赔偿，室内物品的施救费可获得8000元赔偿，因此，陈烨可以获得的各项赔偿金额合计为：3.125+2.5+10+0.1+0.8=16.525万元，D正确。

阅读理解

第二节 简答题（共3小题，每小题2分，满分6分）

阅读下面短文，根据73-75题的具体要求，简要回答问题。

Shanghai is the largest city in China. About eleven million people make their homes in Shanghai and its suburbs. This extremely large city spreads out along the banks of the Huang Pu River, which flows into the mouth of the Yangtze River about fourteen miles north of here. Large oceangoing ships travel to Shanghai by way of the Yangtze and the Huang Pu.

Shanghai was a small, unimportant city until 1842 when China lost a war with Great Britain. The British realized that Shanghai was in an excellent location to serve as a seaport for the densely（密集） populated Yangtze River Plain. They forced the Chinese to allow English traders to settle on the wastelands outside the city walls. Later, French, American, and Japanese traders also came to Shanghai. The foreigners built whole new sections of Shanghai, including homes, stores, factories, and office buildings. Thousands of Chinese poured into Shanghai in search of jobs. Most of them settled in the old part of the city. As time passed, shanghai became one of the busiest seaports in the world.

73. Where do most people in shanghai make their homes? (回答词数不超过7个)

_________________________________________________________________.

74. What is the purpose of the Chinese people’s coming into Shanghai ?

(回答词数不超过4个)

_________________________________________________________________.

75. Before 1842, what was the Yangtze River Plain like? (回答词数不超过4个)

________________________________________________________________.

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单项选择题 A1型题

吸气性呼吸困难表现为（）

A.明显的哮鸣音

B.深大呼吸

C.桶状胸

D.三凹征

E.胸部一侧呼吸减弱
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