Insurance Principles and Practice Examination Outline

1. Insurance Principles

This part includes an overview of insurance, insurance contracts, basic principles of insurance, and principles of determining insurance rates. , insurance company business management, insurance market and insurance supervision and management. The knowledge points are as follows:

(1) Overview of insurance

1. The concept of insurance

The meaning of insurance; the elements of insurance; the characteristics of insurance; comparison of insurance with similar systems.

2. Types of insurance

Classified according to implementation method; classified according to insurance subject matter; classified according to underwriting method.

3. Functions of insurance

Insurance protection function; financial financing function; social management function.

(2) Insurance contract

1. Characteristics and types of insurance contracts

The meaning of insurance contracts; characteristics of insurance contracts; types of insurance contracts.

2. The subject and object of the insurance contract

The subject of the insurance contract; the object of the insurance contract.

3. Content and form of insurance contract

Content of insurance contract; form of insurance contract.

4. Common clauses in life insurance contracts

Incontestable clauses; age misrepresentation clauses; grace period clauses; reinstatement clauses; suicide clauses; non-loss of value clauses; loan clauses; automatic premium payment clauses

War clause; insurance policy transfer clause.

5. General legal provisions of insurance contracts

Conclusion of insurance contracts; validity of insurance contracts; performance of insurance contracts; changes to insurance contracts; rescission of insurance contracts; termination of insurance contracts; interpretation of insurance contracts; settlement of insurance Methods of contract disputes.

(3) Basic principles of insurance

1. The principle of insurable interest

Insurable interest and the conditions for its establishment; the insurable interest of the main types of insurance; the validity of insurable interest; the significance of the existence of the insurable interest principle.

2. The principle of utmost good faith

The principle of maximum good faith and the reason for its existence; the basic content of the principle of maximum good faith; the performance and legal consequences of violating the principle of maximum good faith.

3. The principle of proximate cause

The meaning of the principle of proximate cause; determination of proximate cause and determination of insurance liability.

4. Principles of loss compensation

Basic principles of loss compensation; derived principles of loss compensation.

(4) Principle of determining insurance premium rates

1. Principles for determining premiums in property insurance

Insurance premiums and insurance rates; principles for determining insurance rates; determination of pure insurance rates; determination of additional insurance rates; determination of business insurance rates.

2. Principles of premium determination of life insurance

Analysis of factors affecting life insurance premium rates; life table; calculation of basic interest; calculation of determined annuity; calculation of life annuity; calculation of pure single premium of life insurance; life insurance Calculation of annual pure insurance premiums; calculation of life insurance business premiums; calculation of life insurance liability reserves.

(5) Insurance company business management

1. Insurance business management of insurance companies

Insurance services; insurance options.

2. Underwriting business management of insurance companies

Underwriting content; underwriting work procedures; insurance renewal.

3. Disaster prevention business management of insurance companies

The concept of insurance disaster prevention; the content of insurance disaster prevention; the method of insurance disaster prevention.

4. Insurance company's claims business management

The meaning of insurance claims; the principles of insurance claims; the procedures of insurance claims.

(6) Insurance market

1. Overview of the insurance market

The meaning of the insurance market; the characteristics of the insurance market; the model of the insurance market; the mechanism of the insurance market.

2. Supply and demand in the insurance market

The concept of insurance market supply; factors affecting the insurance market supply; the supply elasticity of insurance products; the concept of insurance market demand; the main factors affecting the insurance market demand; the elasticity of demand for insurance products .

3. Insurance market supply entities

Suppliers in the insurance market; insurance company business scope and approval; insurance market intermediaries.

4. Reinsurance market

Overview of the reinsurance market; my country's reinsurance market; international reinsurance market.

5. The historical evolution of China's insurance market

The birth of the new China's insurance industry; the recovery of the domestic insurance industry; the opening of my country's insurance market; accession to the WTO and the development of China's insurance industry.

(7) Insurance supervision and management

1. Overview of insurance supervision and management

The concept of insurance supervision and management; the necessity of insurance supervision and management; the purpose of insurance supervision and management; the principles of insurance supervision and management; the methods of insurance supervision and management and the target model of supervision and management.

2. Insurance supervision and management content

Solvency supervision and management; market conduct supervision and management.

3． Insurance Supervision and Management Methods

On-site inspection; off-site inspection.

II. Insurance Practice

This part includes property insurance practice, transportation insurance practice, cargo transportation insurance practice, liability insurance practice, credit and guarantee insurance practice, engineering insurance practice, special Risk insurance practice, life insurance practice, accident insurance practice, health insurance practice and reinsurance practice. The knowledge points are as follows:

(1) Property insurance practice

1. Overview of property insurance

The concept of property insurance; characteristics of property insurance; types of property insurance.

2． Enterprise property insurance

The coverage of enterprise property insurance; the insurance liabilities and additional liabilities of enterprise property insurance; the exclusions of basic enterprise property insurance; the exclusions of comprehensive enterprise property insurance; the insurance of enterprise property insurance Amount; Factors affecting corporate property insurance premium rates; Compensation processing for corporate property insurance.

3． Home property insurance

Home property comprehensive insurance; home property endowment insurance; home property additional insurance (theft and emergency insurance).

4. Machine damage insurance

The concept of machine damage insurance; the characteristics of machine damage insurance; the insurance subject matter of machine damage insurance; the insurance liability of machine damage insurance; the exclusions of machine damage insurance; the insurance period of machine damage insurance; The insurance amount of machine damage insurance; the insurance rate of machine damage insurance; the compensation treatment of machine damage insurance.

5. Profit loss insurance

The concept of profit loss insurance; the characteristics of profit loss insurance; the protection items of profit loss insurance; the exclusions of profit loss insurance; the compensation period of profit loss insurance; the insurance amount of profit loss insurance; Insurance rates for loss of profit insurance; compensation handling for loss of profit insurance.

(2) Transportation Insurance Practice

1. Motor vehicle insurance

Motor vehicle insurance and its characteristics; risks of motor vehicle insurance; insurance liabilities of motor vehicle insurance; exclusions of motor vehicle insurance; insurance amounts and compensation limits of motor vehicle insurance; rolling stock The insurance period of insurance; the premium of motor vehicle insurance; the no-compensation treatment of motor vehicle insurance; the underwriting of motor vehicle insurance; the compensation processing of motor vehicle insurance.

2． Ship insurance

The insurance liability of ocean ship insurance; the exclusions of ocean ship insurance; the insurance period of ocean ship insurance; the deductible provisions of ocean ship insurance; the shipping clauses of ocean ship insurance; the compensation of ocean ship insurance Processing; insurance subject matter and insurance liability of coastal inland water ship insurance; exclusions of coastal inland water ship insurance; insured amount of coastal inland water ship insurance; compensation processing of coastal inland water ship insurance.

3． Aircraft insurance

Aircraft insurance and its types; aircraft fuselage (spare parts) all risks; passenger (baggage, cargo, mail) statutory liability insurance and third-party liability insurance; aircraft insurance insurance amount; aircraft Insurance premium rates; compensation processing for aircraft insurance.

(3) Cargo transportation insurance practice

1. International cargo transportation insurance

The insurance liabilities and exclusions of the basic insurance of marine transportation cargo insurance; the insurance liabilities of additional insurance of marine transportation cargo insurance; the insurance period of marine transportation cargo insurance; the insured amount of marine transportation cargo insurance; Insurance premiums for maritime transport cargo insurance; compensation processing for marine transport cargo insurance; land transport cargo insurance; air transport cargo insurance; parcel transport insurance; international multimodal transport insurance.

2． Domestic cargo transportation insurance

Overview of domestic cargo transportation insurance; domestic waterway and land (road, railway) transportation cargo insurance; domestic air transportation cargo insurance.

(4) Liability insurance practice

1. Overview of liability insurance

The concept of liability insurance; types of liability insurance.

2． Product liability insurance

The concept of product liability insurance; the content of product liability insurance.

3． Employers Liability Insurance

The concept of Employers Liability Insurance; the contents of Employers Liability Insurance.

4. Public liability insurance

The concept of public liability insurance; the content of public liability insurance.

5. Professional liability insurance

The concept of professional liability insurance; the content of professional liability insurance.

(5) Credit and guarantee insurance practice

1. Credit insurance

The concept of credit insurance; general commercial credit insurance; investment insurance; the concept of export credit insurance; operating characteristics of export credit insurance; types of export credit insurance; short-term export credit insurance; medium and long-term export credit Insurance.

2． Guarantee insurance

The concept of guarantee insurance; the difference between guarantee insurance and credit insurance; contract guarantee insurance; product quality guarantee insurance; loyalty guarantee insurance.

(6) Engineering insurance practice

1. Overview of engineering insurance

Engineering insurance and its characteristics; types of engineering insurance.

2. Construction project insurance

The scope of application of construction project insurance; the protection objects of construction project insurance; the insurance liabilities of construction project insurance; the exclusions of construction project insurance; the additional risks of construction project insurance; the insurance of construction project insurance Period; insurance amount of construction project insurance; insurance premium rate of construction project insurance; compensation processing of construction project insurance.

3. Installation project insurance

The insurance liability and exclusions for the material loss part of the installation project insurance; the insurance liability and exclusions for the third party liability part of the installation project insurance; the determination of the insurance amount of the installation project insurance.

(7) Special risk insurance practice

1. Aerospace insurance

The coverage of aerospace insurance; the insurance types of aerospace insurance; the insurance liabilities of aerospace insurance; the exclusions of aerospace insurance; the insurance amount of aerospace insurance; the insurance rates of aerospace insurance; the insurance of aerospace insurance Time limit; compensation processing of aerospace insurance.

2. Nuclear power plant insurance

Nuclear power plant insurance and its characteristics; types of nuclear power plant insurance; insurance liability of nuclear power plant insurance; exclusions of nuclear power plant insurance; insurance amount of nuclear power plant insurance; compensation processing of nuclear power plant insurance.

3. Offshore oil development insurance

Offshore oil development insurance and its types; offshore oil drilling platform insurance; blowout control cost insurance.

(8) Life insurance practice

1. Overview of life insurance

The concept of life insurance; characteristics of life insurance; classification of life insurance.

2. Ordinary life insurance

Term life insurance; whole life insurance; endowment insurance; annuity insurance.

3. New life insurance business

Participating insurance; investment-linked insurance; universal insurance.

4. Group life insurance

Overview of group insurance; the main types of group life insurance.

5. Life insurance underwriting and claims

Life insurance underwriting; life insurance claims.

(9) Accident insurance practice

1. Definition of accidental injury

Definition of accidental injury; characteristics of accidental injury; analysis of insurable risks of accidental injury insurance.

2. Types of accident insurance

Individual accident insurance; group accident insurance

3. Contents of accident insurance

Insurance liability of accident insurance; payment methods of accident insurance.

(10) Health insurance practice

1. Overview of health insurance

The concept of health insurance; the conditions for establishing a disease; the characteristics of health insurance.

2. Types of health insurance

Individual health insurance; group health insurance.

3. Common Terms of Health Insurance

Common Terms of Individual Health Insurance; Common Terms of Group Health Insurance.

(11) Reinsurance Practice

1. Overview of reinsurance

The concept of reinsurance; the characteristics of reinsurance; the role of reinsurance.

2. Types of reinsurance business

Proportional reinsurance; non-proportional reinsurance.

3. Arrangement methods for reinsurance business

Temporary reinsurance; appointment reinsurance; contract reinsurance.

4. Reinsurance contract

The concept of reinsurance contract; the basic terms of proportional reinsurance contract; the basic terms of non-proportional reinsurance contract;

5. Reinsurance business management

Cedent reinsurance business management; Ceded reinsurance business management.

Insurance Brokerage Practical Examination Outline

1. Overview of Insurance Brokers

(1) Concept of Insurance Brokers

Insurance Brokers The definition of insurance broker; the organizational form of insurance broker; the emergence and development of insurance broker.

(2) Characteristics and classification of insurance brokers

Characteristics of insurance brokers; characteristics of the insurance brokerage market; main classifications of insurance brokers.

(3) The role of insurance brokers

The macro role of insurance brokers; the micro role of insurance brokers.

II. Insurance brokerage business operations

(1) Insurance brokerage business content

Insurance brokerage business scope; property insurance brokerage business; personal insurance brokerage business; reinsurance Brokerage business

(2) Insurance brokerage business procedures

Business promotion; determine customer base, sign entrustment agreement; provide disaster prevention and loss prevention, risk management and consultation; formulate insurance plans; Inquiry and determination of the final insurer; practical insurance operations; assistance with claims; customer relationship management.

(3) Insurance broker’s selection and evaluation of the insurer

Insurance broker’s evaluation of the insurer; evaluation of the financial stability of the insurance company

3. Supervision of insurance brokerage institutions

(1) Overview of the supervision of insurance brokerage institutions

Supervision objectives and supervision subjects; supervision means; supervision methods.

(2) Institutional supervision

Establish supervision; change and terminate supervision.

(3) Qualification supervision

Practice qualifications and practice certificates; supervision of senior management qualifications.

(4) Business rules and supervision and management

Business rules; supervision and management.

(5) Legal liability of insurance brokerage institutions

Administrative liability of insurance brokerage institutions; civil liability of insurance brokerage institutions; criminal liability of insurance brokerage institutions.

IV. Professional ethics and professional ethics of insurance brokerage practitioners

(1) Overview of professional ethics

The meaning of professional ethics; characteristics of professional ethics.

(2) Basic requirements for the professional ethics of insurance brokerage practitioners

Abide by laws and regulations; be honest and trustworthy; be professional and competent; be diligent and responsible; be friendly and cooperate; compete fairly; and keep secrets.

(3) Professional ethics of insurance brokerage practitioners

Preparation for practice; practice process; important aspects of practice activities.

5. Basics of risk management

(1) Overview of risk

The meaning of risk; types of risk; characteristics of risk

( 2) Risk and insurance

The components of risk; the relationship between risk and insurance; the application of the law of large numbers in insurance.

(3) Risk management

The meaning and historical evolution of risk management; the goals and scope of risk management; the cost of risk management; risk management methods.

(4) Risk management process

Risk identification; risk estimation; risk evaluation; selection of risk management techniques; evaluation of risk management effects.

6. Personal and family risk management

(1) Personal and family risk management practice

Identification and estimation of risks; use of non-insurance tools to conduct risk management Management; use insurance tools for risk management.

(2) Individual and family risk management cases

Family basic situation analysis; risk management analysis.

7. Risk management of enterprises and institutions

(1) Risk management practices of enterprises and institutions

Identification of risks; estimation of risks; use of non-insurance tools Carry out risk management; use insurance tools for risk management.

(2) Enterprise risk management cases

Case 1: Risk management case of a musical; Case 2: Group insurance case of an advertising company;

Eight , Insurance business risk management

(1) Overview and process of insurance business risk management

Insurance business risk; Insurance business risk management process.

(2) Insurance business risk management of my country’s insurance companies

Overview of the overall risk management of insurance companies; existing problems in my country’s insurance business risk management; the impact of the current situation of insurance business risk management on my country’s insurance industry development impact.

(3) Risk management of reinsurance business

Overview of risk management of reinsurance business; main technologies of overall reinsurance risk management; risk management of reinsurance ceded business; risk management of reinsurance ceded business .

9. Basic knowledge of marketing

(1) Overview of marketing

Basic concepts of marketing; marketing management; marketing information system and marketing research; Marketing environment.

(2) Market segmentation and target market selection

Basic concepts of market segmentation; steps of market segmentation; target market selection strategy.

(3) Marketing strategy and tactics

Marketing strategy; marketing strategy.

(4) Overview of insurance marketing

Basic concepts of insurance marketing; insurance product pricing and customer management; insurance marketing strategy and tactics; insurance marketing channels.

10. Basic knowledge of accounting

(1) Basics of accounting

The definition and role of accounting; the basic premise of accounting; accounting elements and accounting equations .

(2) General process of accounting

Setting of accounting subjects; debit and credit accounting method.

(3) Financial accounting reports

Preparation requirements for financial accounting reports; balance sheet; income statement; cash flow statement; profit distribution statement.

(4) Financial management

Overview of financial management; financial management of insurance companies.

11. Basic knowledge of taxation

(1) Overview of taxation

Definition of taxation; characteristics of taxation.

(2) Elements of tax system

Basic elements of tax system; other elements of tax system.

(3) Tax system

Tax classification; my country’s current tax system.

(4) Taxes related to insurance companies

Business tax; stamp duty; corporate income tax; income tax for foreign-invested enterprises and foreign enterprises; personal income tax.

12. Basic knowledge of finance

(1) Basic concepts and categories of finance

Money and credit; money market and capital market; financial instruments; securities pricing .

(2) Financial institutions and financial markets

Banking system; non-bank financial institutions; classification of financial markets; functions of financial markets.

(3) Interest and interest rates

The meaning and types of interest rates; the role of interest rates; interest rate risks.

(4) Foreign exchange and exchange rate

Basic concepts of foreign exchange; foreign exchange market and exchange rate system; determination of exchange rate; role of exchange rate and exchange rate risk.

13. Basic legal knowledge

(1) Civil legal system

General provisions of civil law; civil subject system; agency system; overview of civil liability.

(2) Overview of Contract Law

General provisions of contract law; formation and effectiveness of contracts; performance of contracts and liability for breach of contract; modification, transfer and termination of contracts; related contract types .

(3) Overview of Insurance Law

The concept and application of insurance law; insurance contracts and related liabilities; insurance market operations and regulations.