{"id":21353,"date":"2026-08-04T04:00:45","date_gmt":"2026-08-04T04:00:45","guid":{"rendered":"http:\/\/johnhealth.ca\/?p=21353"},"modified":"2026-08-04T04:00:45","modified_gmt":"2026-08-04T04:00:45","slug":"%e4%bf%9d%e9%99%a9%e7%9f%a5%e8%af%86%ef%bc%9ageneral-insurance-%e5%9f%ba%e7%a1%80%e6%a6%82%e5%bf%b5","status":"publish","type":"post","link":"http:\/\/johnhealth.ca\/?p=21353","title":{"rendered":"\u4fdd\u9669\u77e5\u8bc6\uff1aGeneral Insurance \u57fa\u7840\u6982\u5ff5"},"content":{"rendered":"\n<h3 class=\"wp-block-heading\">\u2460 General Insurance \u57fa\u7840\u6982\u5ff5 &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u975e\u5e38\u503c\u5f97\u8865\uff0c\u56e0\u4e3a\u65b0\u8003\u7eb2\u660e\u786e\u8981\u6c42\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u91cd\u70b9\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurable Interest<\/li>\n\n\n\n<li>Indemnity<\/li>\n\n\n\n<li>Utmost Good Faith<\/li>\n\n\n\n<li>Subrogation<\/li>\n\n\n\n<li>Contribution<\/li>\n\n\n\n<li>Proximate Cause<\/li>\n\n\n\n<li>Peril<\/li>\n\n\n\n<li>Hazard\n<ul class=\"wp-block-list\">\n<li>Physical Hazard<\/li>\n\n\n\n<li>Moral Hazard<\/li>\n\n\n\n<li>Morale Hazard<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>Deductible<\/li>\n\n\n\n<li>Actual Cash Value<\/li>\n\n\n\n<li>Replacement Cost<\/li>\n\n\n\n<li>Negligence<\/li>\n\n\n\n<li>Liability<\/li>\n\n\n\n<li>Material Misrepresentation<\/li>\n\n\n\n<li>Concealment<\/li>\n\n\n\n<li>Insured \/ Insurer \/ Broker \/ Agent<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c24\u5176\u662f\u8fd9\u4e9b<strong>\u770b\u8d77\u6765\u7b80\u5355\u3001\u5b9e\u9645\u4e0a\u7279\u522b\u5bb9\u6613\u51fa\u9677\u9631\u9898<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">RIBO \u5b98\u65b9 competency profile \u4e5f\u660e\u786e\u5217\u51fa\u4e86 negligence\u3001insurable interest\u3001peril\u3001deductible\u3001exclusions\u3001endorsements \u7b49\u57fa\u7840\u672f\u8bed\u3002<\/p>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e00\u3001Insurable Interest \u53ef\u4fdd\u5229\u76ca &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/h1>\n\n\n\n<h3 class=\"wp-block-heading\">\u4ec0\u4e48\u53eb Insurable Interest\uff1f<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u7b80\u5355\u8bf4\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4f60\u5fc5\u987b\u56e0\u4e3a\u8fd9\u4e2a\u4e1c\u897f\u7684\u635f\u5931\u800c\u906d\u53d7\u7ecf\u6d4e\u635f\u5931\uff0c\u624d\u6709\u53ef\u4fdd\u5229\u76ca\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u62e5\u6709\u4e00\u680b\u623f\u5b50\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u623f\u5b50\u88ab\u70e7\u6389 \u2192 \u4f60\u635f\u5931 $500,000<br>&#x2705; \u6709 Insurable Interest<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u90bb\u5c45\u7684\u623f\u5b50\u88ab\u70e7\u6389\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u90bb\u5c45\u635f\u5931 $500,000\uff0c\u4f60\u6ca1\u6709\u7ecf\u6d4e\u635f\u5931<br>&#x274c; \u4e00\u822c\u6ca1\u6709 Insurable Interest<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">RIBO \u9677\u9631<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Insurable Interest \u2260 Ownership<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u867d\u7136\u901a\u5e38\u623f\u4e3b\u5177\u6709\u53ef\u4fdd\u5229\u76ca\uff0c\u4f46<strong>\u4e0d\u4e00\u5b9a\u975e\u8981\u62e5\u6709\u8d22\u4ea7\u624d\u6709\u53ef\u4fdd\u5229\u76ca<\/strong>\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Mortgage lender<\/li>\n\n\n\n<li>Tenant<\/li>\n\n\n\n<li>Bailee<\/li>\n\n\n\n<li>Leaseholder<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u90fd\u53ef\u80fd\u5b58\u5728 Insurable Interest\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e8c\u3001Indemnity \u8865\u507f\u539f\u5219 &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u4fdd\u9669\u6700\u91cd\u8981\u7684\u6982\u5ff5\u4e4b\u4e00\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u6838\u5fc3\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4fdd\u9669\u7684\u76ee\u7684\uff0c\u662f\u8ba9\u88ab\u4fdd\u9669\u4eba\u5728\u635f\u5931\u540e\u6062\u590d\u5230\u635f\u5931\u53d1\u751f\u524d\u7684\u5927\u81f4\u7ecf\u6d4e\u72b6\u6001\uff0c\u800c\u4e0d\u662f\u8ba9\u4ed6\u8d5a\u94b1\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u7684\u8f66\u53d1\u751f\u4e8b\u6545\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u635f\u5931\u4ef7\u503c $10,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u8d54\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">$10,000<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u4e0d\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">$20,000<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">&#x26a0;&#xfe0f; \u9677\u9631<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u8d54\u507f\u539f\u5219\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Make whole \u2014 NOT make profit<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u6240\u4ee5\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Insurance \u2260 Investment<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e09\u3001Utmost Good Faith \u6700\u5927\u8bda\u4fe1\u539f\u5219 &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u5408\u540c\u53cc\u65b9\u90fd\u5fc5\u987b\u8bda\u5b9e\u3001\u62ab\u9732\u91cd\u8981\u4fe1\u606f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c24\u5176\u662f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Insured<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5fc5\u987b\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u4e0d\u9690\u7792\u91cd\u8981\u4e8b\u5b9e<\/li>\n\n\n\n<li>\u4e0d\u63d0\u4f9b\u865a\u5047\u4fe1\u606f<\/li>\n\n\n\n<li>\u5982\u5b9e\u56de\u7b54\u95ee\u9898<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7533\u8bf7\u5546\u4e1a\u4fdd\u9669\u65f6\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Broker\u95ee\uff1a\u201c\u8fc7\u53bb5\u5e74\u6709\u6ca1\u6709\u91cd\u5927\u7406\u8d54\uff1f\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u660e\u660e\u6709\u4e09\u6b21\u706b\u707e\u7d22\u8d54\uff0c\u5374\u8bf4\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201c\u6ca1\u6709\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u53ef\u80fd\u6784\u6210\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Material Misrepresentation \/ Concealment<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u56db\u3001Material Fact \u91cd\u8981\u4e8b\u5b9e &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u975e\u5e38\u5bb9\u6613\u8003\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Material Fact<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5c31\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u5982\u679c\u4fdd\u9669\u516c\u53f8\u77e5\u9053\u8fd9\u4e2a\u4e8b\u5b9e\uff0c\u53ef\u80fd\u4f1a\u5f71\u54cd\u5b83\u662f\u5426\u627f\u4fdd\u3001\u627f\u4fdd\u6761\u4ef6\u6216\u8005\u4fdd\u8d39\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u7533\u8bf7\u623f\u5c4b\u4fdd\u9669\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u6ca1\u6709\u544a\u8bc9\u4fdd\u9669\u516c\u53f8\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u623f\u5b50\u5176\u5b9e\u7ecf\u8425\u77ed\u79df\u4e1a\u52a1\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u8fd9\u4e2a\u4e8b\u5b9e\u4f1a\u5f71\u54cd\u4fdd\u9669\u516c\u53f8\u7684\u627f\u4fdd\u51b3\u5b9a\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; Material Fact<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e94\u3001Subrogation \u4ee3\u4f4d\u8ffd\u507f &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u4f60\u4e00\u5b9a\u8981\u7406\u89e3\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u573a\u666f\uff1a<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">John \u7684\u623f\u5b50\u88ab\u7b2c\u4e09\u65b9 Mike \u4e0d\u5c0f\u5fc3\u649e\u574f\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">John \u7684\u4fdd\u9669\u516c\u53f8\u8d54\u4e86\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">$20,000<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e4b\u540e\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u5411 Mike \u8ffd\u507f $20,000<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u5c31\u662f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Subrogation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e3\u8bc0\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Insurance pays \u2192 Insurer goes after responsible party<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x26a0;&#xfe0f; \u6700\u5927\u9677\u9631<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Subrogation \u7684\u6743\u5229\u901a\u5e38\u6765\u81ea\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Insurer \u5df2\u7ecf\u8d54\u4ed8\u4e4b\u540e<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201c\u4fdd\u9669\u516c\u53f8\u89c9\u5f97\u67d0\u4eba\u6709\u8d23\u4efb\uff0c\u6240\u4ee5\u9a6c\u4e0a\u5c31\u62ff\u94b1\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u516d\u3001Contribution \u5206\u644a\u539f\u5219 &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u548c Subrogation \u5f88\u5bb9\u6613\u6df7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5047\u8bbe\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u540c\u4e00\u8f86\u8d22\u4ea7\u540c\u65f6\u7531\u4e24\u5bb6\u4fdd\u9669\u516c\u53f8\u627f\u4fdd\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Insurance A\uff1a$100,000<\/li>\n\n\n\n<li>Insurance B\uff1a$100,000<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u53d1\u751f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">$40,000 loss<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u4e24\u5f20\u4fdd\u5355\u90fd\u9002\u7528\uff0c\u901a\u5e38\u4e0d\u80fd\u8ba9\u5ba2\u6237\u62ff\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">A\u8d54 $40,000<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u8d54 $40,000<br>= $80,000<\/li>\n<\/ul>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u4e24\u5bb6\u4fdd\u9669\u516c\u53f8\u5206\u644a\u540c\u4e00\u4e2a\u635f\u5931\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u5c31\u662f\uff1a<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Contribution<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e3\u8bc0\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Two insurers \u2192 One loss \u2192 Share<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e03\u3001Proximate Cause \u8fd1\u56e0 &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u975e\u5e38\u91cd\u8981\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\u7b80\u5355\u95ee\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201c\u6700\u540e\u53d1\u751f\u4e86\u4ec0\u4e48\uff1f\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u662f\u95ee\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u5bfc\u81f4\u635f\u5931\u7684\u4e3b\u8981\u3001\u6709\u6548\u539f\u56e0\u662f\u4ec0\u4e48\uff1f<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lightning<br>\u2193<br>Fire<br>\u2193<br>House burns<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u90a3\u4e48\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Lightning \u2192 Fire \u2192 Damage<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c Lightning \u662f\u627f\u4fdd\u7684 Peril\uff0c\u90a3\u4e48\u635f\u5931\u53ef\u80fd\u5c5e\u4e8e\u4fdd\u9669\u8d23\u4efb\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">&#x26a0;&#xfe0f; \u9677\u9631<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Proximate Cause\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x274c; \u4e0d\u4e00\u5b9a\u662f\u6700\u540e\u4e00\u4e2a\u4e8b\u4ef6<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u800c\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#x2705; <strong>\u5bfc\u81f4\u635f\u5931\u7684\u6709\u6548\u3001\u4e3b\u5bfc\u539f\u56e0<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u516b\u3001Peril \u5371\u9669\u4e8b\u6545<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Peril = <strong>\u9020\u6210\u635f\u5931\u7684\u539f\u56e0\u6216\u4e8b\u4ef6<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fire<\/li>\n\n\n\n<li>Theft<\/li>\n\n\n\n<li>Windstorm<\/li>\n\n\n\n<li>Hail<\/li>\n\n\n\n<li>Collision<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">House catches fire.<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u91cc\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Fire = Peril<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u4e5d\u3001Hazard \u5371\u9669\u56e0\u7d20 &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Hazard \u4e0d\u7b49\u4e8e Peril\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Peril<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u9020\u6210\u635f\u5931\u7684\u539f\u56e0<\/strong><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">Hazard<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u589e\u52a0\u635f\u5931\u53d1\u751f\u6982\u7387\u6216\u4e25\u91cd\u7a0b\u5ea6\u7684\u56e0\u7d20<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53a8\u623f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Fire = Peril<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u53a8\u623f\u91cc\u5806\u6ee1\u6cb9\u8102\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Grease buildup = Hazard<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">\u4e09\u79cd Hazard<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u2460 Physical Hazard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u7269\u7406\u4e0a\u7684\u5371\u9669\u56e0\u7d20\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u8001\u65e7\u7535\u7ebf<\/li>\n\n\n\n<li>\u6e7f\u6ed1\u5730\u9762<\/li>\n\n\n\n<li>\u5efa\u7b51\u7ed3\u6784\u7f3a\u9677<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2461 Moral Hazard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6545\u610f\u3001\u4e0d\u8bda\u5b9e\u7684\u884c\u4e3a\u3002<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\u6545\u610f\u7eb5\u706b\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u4e3a\u4e86\u9a97\u4fdd\u9669\u91d1\u3002<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Moral Hazard<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u53e3\u8bc0\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Moral = Dishonest<\/strong><\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2462 Morale Hazard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e0d\u662f\u6545\u610f\u6b3a\u8bc8\uff0c\u800c\u662f\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u56e0\u4e3a\u6709\u4fdd\u9669\uff0c\u6240\u4ee5\u53d8\u5f97\u7c97\u5fc3\u3001\u4e0d\u5c0f\u5fc3\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e00\u4e2a\u4eba\u77e5\u9053\u81ea\u5df1\u7684\u624b\u673a\u6709\u4fdd\u9669\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u201c\u53cd\u6b63\u574f\u4e86\u4fdd\u9669\u4f1a\u8d54\u3002\u201d<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e8e\u662f\u66f4\u52a0\u4e0d\u5c0f\u5fc3\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u5c31\u662f\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Morale Hazard<\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">\u5341\u3001Deductible \u514d\u8d54\u989d &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50;<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">Deductible\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>\u635f\u5931\u53d1\u751f\u540e\uff0c\u7531\u88ab\u4fdd\u9669\u4eba\u81ea\u5df1\u627f\u62c5\u7684\u90e8\u5206\u3002<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loss = $10,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Deductible = $1,000<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">$9,000<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u5ba2\u6237\uff1a<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">$1,000<\/p>\n<\/blockquote>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f525; \u8fd910\u4e2a\u6982\u5ff5\u5fc5\u987b\u5f62\u6210\u4e00\u5f20\u8111\u56fe<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f60\u53ef\u4ee5\u8fd9\u6837\u8bb0\uff1a<\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>                LOSS\n                 \u2502\n          \u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2534\u2500\u2500\u2500\u2500\u2500\u2500\u2510\n          \u2193             \u2193\n        PERIL         HAZARD\n     \u635f\u5931\u7684\u539f\u56e0       \u589e\u52a0\u635f\u5931\u7684\u56e0\u7d20\n                         \u2502\n              \u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510\n              \u2193          \u2193          \u2193\n           Physical    Moral      Morale\n           \u7269\u7406\u5371\u9669    \u6545\u610f\u6b3a\u8bc8    \u7c97\u5fc3\u5927\u610f\n\n\nInsurance Principles\n        \u2502\n \u250c\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u252c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510\n \u2193      \u2193        \u2193         \u2193\nInsurable Indemnity  Good Faith  Subrogation\nInterest\n                         \u2502\n                    Contribution\n                         \u2502\n                    Proximate Cause<\/code><\/pre>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f3af; RIBO \u6700\u5bb9\u6613\u6df7\u6dc6\u7684 5 \u7ec4<\/h1>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u6982\u5ff5<\/th><th>\u4e00\u53e5\u8bdd\u8bb0\u5fc6<\/th><\/tr><\/thead><tbody><tr><td><strong>Peril<\/strong><\/td><td>\u4ec0\u4e48\u4e1c\u897f\u9020\u6210\u635f\u5931\uff1f<\/td><\/tr><tr><td><strong>Hazard<\/strong><\/td><td>\u4ec0\u4e48\u4e1c\u897f\u589e\u52a0\u635f\u5931\u673a\u4f1a\uff1f<\/td><\/tr><tr><td><strong>Moral Hazard<\/strong><\/td><td>\u6545\u610f\u4e0d\u8bda\u5b9e<\/td><\/tr><tr><td><strong>Morale Hazard<\/strong><\/td><td>\u6709\u4fdd\u9669\u6240\u4ee5\u7c97\u5fc3<\/td><\/tr><tr><td><strong>Subrogation<\/strong><\/td><td>\u4fdd\u9669\u516c\u53f8\u8d54\u5b8c \u2192 \u627e\u8d23\u4efb\u65b9\u8ffd\u507f<\/td><\/tr><tr><td><strong>Contribution<\/strong><\/td><td>\u4e24\u5bb6\u4fdd\u9669\u516c\u53f8 \u2192 \u5206\u644a\u540c\u4e00\u635f\u5931<\/td><\/tr><tr><td><strong>Indemnity<\/strong><\/td><td>\u8d54\u635f\u5931\uff0c\u4e0d\u8ba9\u4f60\u8d5a\u94b1<\/td><\/tr><tr><td><strong>Insurable Interest<\/strong><\/td><td>\u635f\u5931\u53d1\u751f\u65f6\uff0c\u4f60\u5fc5\u987b\u6709\u7ecf\u6d4e\u5229\u76ca\u53d7\u5230\u5f71\u54cd<\/td><\/tr><tr><td><strong>Proximate Cause<\/strong><\/td><td>\u5bfc\u81f4\u635f\u5931\u7684\u4e3b\u8981\u6709\u6548\u539f\u56e0<\/td><\/tr><tr><td><strong>Deductible<\/strong><\/td><td>\u5148\u7531\u5ba2\u6237\u81ea\u5df1\u627f\u62c5<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h1 class=\"wp-block-heading\">&#x1f9e0; \u73b0\u5728\u6765\u505a 10 \u9053 RIBO \u9677\u9631\u9898<\/h1>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u5148\u4e0d\u8981\u770b\u7b54\u6848\uff0c\u6211\u6765\u7ed9\u4f60\u6279\u6539\u3002<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Which of the following best describes <strong>indemnity<\/strong>?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. The insured should receive more than the amount of the loss.<br>B. The insured should be restored approximately to the financial position held before the loss.<br>C. The insurer must always replace damaged property with new property.<br>D. The insured should receive the full policy limit for every claim.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">2.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A restaurant has accumulated grease around its cooking equipment, increasing the likelihood of a fire. The grease buildup is best described as:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Peril<br>B. Moral hazard<br>C. Physical hazard<br>D. Proximate cause<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">3.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A homeowner intentionally burns down his own insured property to collect insurance money. This is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Physical hazard<br>B. Morale hazard<br>C. Moral hazard<br>D. Peril<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">4.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A homeowner knows his house is insured and therefore becomes careless about locking the doors. This is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Moral hazard<br>B. Morale hazard<br>C. Physical hazard<br>D. Peril<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">5.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">An insurer pays $50,000 to its insured for damage caused by a negligent third party. The insurer then seeks recovery from that third party. This is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Contribution<br>B. Indemnity<br>C. Subrogation<br>D. Assignment<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">6.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">John has two insurance policies covering the same property and the same loss. Both insurers may be required to share responsibility for the loss. This is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Subrogation<br>B. Contribution<br>C. Indemnity<br>D. Insurable interest<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">7.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Which of the following is the <strong>best example of insurable interest<\/strong>?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. A person insures a stranger&#8217;s house because he likes the house.<br>B. A person insures his neighbour&#8217;s house because he wants the neighbour to be protected.<br>C. A tenant has an economic interest in the contents of a rented apartment.<br>D. A person insures a celebrity&#8217;s house because he is a fan.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">8.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A lightning strike causes a fire, which then destroys a building. The concept used to identify the effective, dominant cause of the loss is:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. Deductible<br>B. Contribution<br>C. Proximate cause<br>D. Moral hazard<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">9.<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A policy has a $2,500 deductible. A covered loss amounts to $20,000. Ignoring any other policy limitations, how much would the insurer pay?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. $2,500<br>B. $17,500<br>C. $20,000<br>D. $22,500<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">10. &#x2b50;&#x2b50;&#x2b50; \u9677\u9631\u9898<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Which statement is <strong>MOST accurate<\/strong>?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A. A peril increases the likelihood of a loss, while a hazard directly causes the loss.<br>B. Moral hazard and morale hazard both involve intentional fraud.<br>C. A peril is a cause of loss, while a hazard increases the likelihood or severity of loss.<br>D. Peril and hazard mean exactly the same thing.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>\u9898\u76ee<\/th><th>\u4f60\u7684\u7b54\u6848<\/th><th>\u6b63\u786e\u7b54\u6848<\/th><th>\u5173\u952e\u70b9<\/th><\/tr><\/thead><tbody><tr><td>1<\/td><td><strong>B<\/strong><\/td><td>&#x2705; B<\/td><td>Indemnity = \u6062\u590d\u635f\u5931\u524d\u7ecf\u6d4e\u72b6\u6001\uff0c\u4e0d\u8ba9\u88ab\u4fdd\u9669\u4eba\u83b7\u5229<\/td><\/tr><tr><td>2<\/td><td><strong>C<\/strong><\/td><td>&#x2705; C<\/td><td>Grease buildup = Physical Hazard<\/td><\/tr><tr><td>3<\/td><td><strong>C<\/strong><\/td><td>&#x2705; C<\/td><td>\u6545\u610f\u9a97\u4fdd\u9669 = Moral Hazard<\/td><\/tr><tr><td>4<\/td><td><strong>B<\/strong><\/td><td>&#x2705; B<\/td><td>\u6709\u4fdd\u9669\u540e\u53d8\u7c97\u5fc3 = Morale Hazard<\/td><\/tr><tr><td>5<\/td><td><strong>C<\/strong><\/td><td>&#x2705; C<\/td><td>\u4fdd\u9669\u516c\u53f8\u8d54\u5b8c\u540e\u5411\u8d23\u4efb\u65b9\u8ffd\u507f = Subrogation<\/td><\/tr><tr><td>6<\/td><td><strong>B<\/strong><\/td><td>&#x2705; B<\/td><td>\u4e24\u5bb6\u4fdd\u9669\u516c\u53f8\u5206\u644a\u540c\u4e00\u635f\u5931 = Contribution<\/td><\/tr><tr><td>7<\/td><td><strong>C<\/strong><\/td><td>&#x2705; C<\/td><td>Tenant \u5bf9\u81ea\u5df1\u7684\u8d22\u4ea7\u5177\u6709\u7ecf\u6d4e\u5229\u76ca<\/td><\/tr><tr><td>8<\/td><td><strong>C<\/strong><\/td><td>&#x2705; C<\/td><td>\u6709\u6548\u3001\u4e3b\u5bfc\u539f\u56e0 = Proximate Cause<\/td><\/tr><tr><td>9<\/td><td><strong>B<\/strong><\/td><td>&#x2705; B<\/td><td>$20,000 \u2212 $2,500 = $17,500<\/td><\/tr><tr><td>10<\/td><td><strong>C<\/strong><\/td><td>&#x2705; C<\/td><td>Peril\u9020\u6210\u635f\u5931\uff1bHazard\u589e\u52a0\u635f\u5931\u6982\u7387\/\u4e25\u91cd\u7a0b\u5ea6<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">&#x1f525; \u4f60\u73b0\u5728\u4e00\u5b9a\u8981\u8bb0\u4f4f\u8fd9\u4e09\u4e2a\u533a\u522b<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\u2460 Peril vs Hazard<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u662f\u8003\u8bd5\u975e\u5e38\u559c\u6b22\u8003\u7684\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Peril = What causes the loss?<\/strong><br><strong>Hazard = What increases the chance\/severity of loss?<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Electrical fire<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fire = <strong>Peril<\/strong><\/li>\n\n\n\n<li>Faulty wiring = <strong>Physical Hazard<\/strong><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2461 Moral vs Morale<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u4f60\u7b54\u5f97\u975e\u5e38\u6f02\u4eae\u3002<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Moral = \u574f\u5fc3\u773c\uff0c\u6545\u610f\u505a\u574f\u4e8b &#x1f4b0;<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Morale = \u6709\u4fdd\u9669\uff0c\u6240\u4ee5\u4e0d\u5728\u4e4e &#x1f60e;<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u6545\u610f\u7eb5\u706b\u9a97\u4fdd\u9669<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2192 Moral Hazard<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u77e5\u9053\u6709\u4fdd\u9669\uff0c\u6240\u4ee5\u4e0d\u9501\u95e8<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2192 Morale Hazard<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\u2462 Subrogation vs Contribution<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u8fd9\u4e2a\u662f RIBO \u9ad8\u9891\u9677\u9631\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Subrogation\uff1a<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Insurer \u2192 \u627e\u7b2c\u4e09\u65b9\u8d23\u4efb\u4eba<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4f8b\u5982\uff1a<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u9669\u516c\u53f8\u8d54\u4f60 $50,000<br>\u2193<br>\u53bb\u627e\u649e\u574f\u4f60\u623f\u5b50\u7684\u7b2c\u4e09\u65b9\u8ffd\u507f<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Contribution\uff1a<\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Insurer A &#x2194; Insurer B<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">\u4e24\u5bb6\u4fdd\u9669\u516c\u53f8\u90fd\u627f\u4fdd\u540c\u4e00\u4e2a\u635f\u5931 \u2192 <strong>\u5206\u644a<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n<div class=\"pvc_clear\"><\/div><p id=\"pvc_stats_21353\" class=\"pvc_stats all  \" data-element-id=\"21353\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p><div class=\"pvc_clear\"><\/div>","protected":false},"excerpt":{"rendered":"<p>\u2460 General Insurance \u57fa\u7840\u6982\u5ff5 &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; \u8fd9\u4e2a\u975e\u5e38\u503c\u5f97\u8865\uff0c\u56e0\u4e3a\u65b0\u8003\u7eb2\u660e\u786e\u8981\u6c42\u3002 \u91cd\u70b9\uff1a \u5c24\u5176\u662f\u8fd9\u4e9b\u770b\u8d77\u6765\u7b80\u5355\u3001\u5b9e\u9645\u4e0a\u7279\u522b\u5bb9\u6613\u51fa\u9677\u9631\u9898\u3002 RIBO \u5b98\u65b9 competency profile \u4e5f\u660e\u786e\u5217\u51fa\u4e86 negligence\u3001insurable interest\u3001peril\u3001deductible\u3001exclusions\u3001endorsements \u7b49\u57fa\u7840\u672f\u8bed\u3002 \u4e00\u3001Insurable Interest \u53ef\u4fdd\u5229\u76ca &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; \u4ec0\u4e48\u53eb Insurable Interest\uff1f \u7b80\u5355\u8bf4\uff1a \u4f60\u5fc5\u987b\u56e0\u4e3a\u8fd9\u4e2a\u4e1c\u897f\u7684\u635f\u5931\u800c\u906d\u53d7\u7ecf\u6d4e\u635f\u5931\uff0c\u624d\u6709\u53ef\u4fdd\u5229\u76ca\u3002 \u4f8b\u5982\uff1a \u4f60\u62e5\u6709\u4e00\u680b\u623f\u5b50\uff1a \u623f\u5b50\u88ab\u70e7\u6389 \u2192 \u4f60\u635f\u5931 $500,000&#x2705; \u6709 Insurable Interest \u4f60\u90bb\u5c45\u7684\u623f\u5b50\u88ab\u70e7\u6389\uff1a \u90bb\u5c45\u635f\u5931 $500,000\uff0c\u4f60\u6ca1\u6709\u7ecf\u6d4e\u635f\u5931&#x274c; \u4e00\u822c\u6ca1\u6709 Insurable Interest RIBO \u9677\u9631 Insurable Interest \u2260 Ownership \u867d\u7136\u901a\u5e38\u623f\u4e3b\u5177\u6709\u53ef\u4fdd\u5229\u76ca\uff0c\u4f46\u4e0d\u4e00\u5b9a\u975e\u8981\u62e5\u6709\u8d22\u4ea7\u624d\u6709\u53ef\u4fdd\u5229\u76ca\u3002 \u4f8b\u5982\uff1a \u90fd\u53ef\u80fd\u5b58\u5728 Insurable Interest\u3002 \u4e8c\u3001Indemnity \u8865\u507f\u539f\u5219 &#x2b50;&#x2b50;&#x2b50;&#x2b50;&#x2b50; \u8fd9\u662f\u4fdd\u9669\u6700\u91cd\u8981\u7684\u6982\u5ff5\u4e4b\u4e00\u3002 &hellip; <a href=\"http:\/\/johnhealth.ca\/?p=21353\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;\u4fdd\u9669\u77e5\u8bc6\uff1aGeneral Insurance \u57fa\u7840\u6982\u5ff5&#8221;<\/span><\/a><\/p>\n<div class=\"pvc_clear\"><\/div>\n<p id=\"pvc_stats_21353\" class=\"pvc_stats all  \" data-element-id=\"21353\" style=\"\"><i class=\"pvc-stats-icon medium\" aria-hidden=\"true\"><svg aria-hidden=\"true\" focusable=\"false\" data-prefix=\"far\" data-icon=\"chart-bar\" role=\"img\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\" class=\"svg-inline--fa fa-chart-bar fa-w-16 fa-2x\"><path fill=\"currentColor\" d=\"M396.8 352h22.4c6.4 0 12.8-6.4 12.8-12.8V108.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v230.4c0 6.4 6.4 12.8 12.8 12.8zm-192 0h22.4c6.4 0 12.8-6.4 12.8-12.8V140.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v198.4c0 6.4 6.4 12.8 12.8 12.8zm96 0h22.4c6.4 0 12.8-6.4 12.8-12.8V204.8c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v134.4c0 6.4 6.4 12.8 12.8 12.8zM496 400H48V80c0-8.84-7.16-16-16-16H16C7.16 64 0 71.16 0 80v336c0 17.67 14.33 32 32 32h464c8.84 0 16-7.16 16-16v-16c0-8.84-7.16-16-16-16zm-387.2-48h22.4c6.4 0 12.8-6.4 12.8-12.8v-70.4c0-6.4-6.4-12.8-12.8-12.8h-22.4c-6.4 0-12.8 6.4-12.8 12.8v70.4c0 6.4 6.4 12.8 12.8 12.8z\" class=\"\"><\/path><\/svg><\/i> <img loading=\"lazy\" decoding=\"async\" width=\"16\" height=\"16\" alt=\"Loading\" src=\"http:\/\/johnhealth.ca\/wp-content\/plugins\/page-views-count\/ajax-loader-2x.gif\" border=0 \/><\/p>\n<div class=\"pvc_clear\"><\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[155],"tags":[215,157,156],"class_list":["post-21353","post","type-post","status-publish","format-standard","hentry","category-155","tag-general-insurance","tag-ribo","tag-156"],"a3_pvc":{"activated":true,"total_views":6,"today_views":0},"_links":{"self":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21353","targetHints":{"allow":["GET"]}}],"collection":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=21353"}],"version-history":[{"count":1,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21353\/revisions"}],"predecessor-version":[{"id":21354,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=\/wp\/v2\/posts\/21353\/revisions\/21354"}],"wp:attachment":[{"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=21353"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=21353"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/johnhealth.ca\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=21353"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}