【正文】 13. 保險公司應(yīng)當(dāng)拒付。 因為趙某未履行如實告知義務(wù)，投保時對保險公司隱瞞了自己患有高血壓病這一重要事實。 因此按照我國現(xiàn)行《保險法》的規(guī)定，由于趙某故意不履行告知義務(wù)，所以，一保險公司可以不承擔(dān)拒付保險金義務(wù)；二保險公司可以不退還保險費。 14. （ 1）甲 保險公司應(yīng)賠償金額＝ A車車輛損失甲車的責(zé)任比例（ 1－免賠率） ＝ 24 40％（ 1－ 5％）＝ （ 2）乙保險公司應(yīng)賠償金額＝ B車車輛損失和貨物損失 A車的責(zé)任比例（ 1－免賠率） ＝（ 22＋ 8） 40％（ 1－ 5％）＝ 15. （ 1） A保險公司應(yīng)賠償金額＝ 甲車車輛損失甲車的責(zé)任比例（ 1－免賠率） ＝ 18 60％（ 1－ 15％）＝ （ 2） B保險公司應(yīng)賠償金額＝甲車車輛損失和貨物損失乙車的責(zé)任比例（ 1－免賠率） ＝（ 18＋ 2） 40％（ 1－ 5％）＝ 16. 按照我國保險法的規(guī)定，在重復(fù)保險的情況下按保險金額占保險金額總額的比例分?jǐn)偅幢壤?zé)任制。因此： A保險公司的賠償責(zé)任 ＝損失金額 A保險公司承保的保險金額 /所有保險公司承保的保險金額總額 ＝ 5 6247。（ 6＋ 4）＝ 3萬元 B保險公司 的賠償責(zé)任 ＝損失金額 B保險公司承保的保險金額 /所有保險公司承保的保險金額總額 ＝ 5 4247。（ 6＋ 4）＝ 2萬元 17. 14 甲保險公司的賠償責(zé)任 ＝損失金額甲保險公司承保的保險金額 /所有保險公司承保的保險金額總額 ＝ 4 247。（ ＋ ）＝ 乙保險公司的賠償責(zé)任 ＝損失金額乙保險公司承保的保險金額 /所有保險公司承保的保險金額總額 ＝ 4 247。（ ＋ ）＝ 元 18. （ 1）李某死亡的近因?qū)儆谝馔鈧?，屬于意外傷害保險的保險責(zé)任，因此李某的家人只能領(lǐng)到 2萬元的保險金。 （ 2）對王某的 10萬元賠款應(yīng)全部歸李某的家人所有，因為人身保險不適用于補償原則。 19. 此企業(yè)處理錯誤。 因為受益人是在人身保險合同中由被保險人或投保人指定的享有保險金請求權(quán)的人。 在指定受益人的情況下，只有受益人才有保險金請求權(quán)；同時在指定受益人的情況下，保險金不是遺產(chǎn)，不得用于清償債務(wù)或按遺產(chǎn)分割。因此該保險金應(yīng)當(dāng)歸劉二。 20. （ 1）此該說法錯誤。 因為受益人是在人身保險合同中由被保險人或投保人指定的享有保險金請求權(quán)的人。 在指定受益人的情況下，只有受益人才有保險金請求權(quán)；在指定受益人的情況下，保險金不是遺產(chǎn)，不得用于清償債務(wù)。 （ 2）此該說法錯誤。 因為一則在人身保險合同中只要求投保人在投保時對保險標(biāo)的具有保險利益，保險事故發(fā)生時，并不要求具有保險利益；二則王某為受益人，享有保險金請求權(quán)，保險金不是遺產(chǎn)。 15 請您刪除一下內(nèi)容， O(∩ _∩ )O 謝謝?。?！【 China39。s 10 mustsee animations】 The Chinese animation industry has seen considerable growth in the last several years. It went through a golden age in the late 1970s and 1980s when successively brilliant animation work was produced. Here are 10 mustsee classics from China39。s animation outpouring that are not to be missed. Let39。s recall these colorful images that brought the country great joy. Calabash Brothers Calabash Brothers (Chinese: 葫蘆娃 ) is a Chinese animation TV series produced by Shanghai Animation Film Studio. In the 1980s the series was one of the most popular animations in China. It was released at a point when the Chinese animation industry was in a relatively downed state pared to the rest of the international munity. Still, the series was translated into 7 different languages. The episodes were produced with a vast amount of papercut animations. Black Cat Detective Black Cat Detective (Chinese: 黑貓警長 ) is a Chinese animation television series produced by the Shanghai Animation Film Studio. It is sometimes known as Mr. Black. The series was originally aired from 1984 to 1987. In June 2021, a rebroadcasting of the original series was announced. Critics bemoan the series39。 violence, and lack of suitability for children39。s education. Proponents of the show claim that it is merely for entertainment. Effendi Effendi, meaning sir and teacher in Turkish, is the respectful name for people who own wisdom and knowledge. The hero39。s real name was Nasreddin. He was wise and witty and, more importantly, he had the courage to resist the exploitation of noblemen. He was also full of passion and tried his best to help poor people. Adventure of Shuke and Beita【舒克與貝塔】 Adventure of Shuke and Beita (Chinese: 舒克和貝塔 ) is a classic animation by Zheng Yuanjie, who is known as King of Fairy Tales in China. Shuke and Beita are two mice who don39。t want to steal food like other mice. Shuke became a pilot and Beita became a tank driver, and the pair met accidentally and became good friends. Then they befriended a boy named Pipilu. With the help of PiPilu, they cofounded an airline named Shuke Beita Airlines to help other animals. Although there are only 13 episodes in this series, the content is very pact and attractive. The animation shows the preciousness of friendship and how people should be brave when facing difficulties. Even adults recalling this animation today can still feel touched by some scenes. Secrets of the Heavenly Book Secrets of the Heavenly Book, (Chinese: 天書奇談 ) also referred to as Legend of the Sealed Book or Tales about the Heavenly Book, was released in 1983. The film was produced with rigorous dubbing and fluid bination of music and vivid animations. The story is based on the classic literature Ping Yao Zhuan, meaning The Suppression of the Demons by Feng Menglong. Yuangong, the deacon, opened the shrine and exposed the holy book to the human world. He carved the book39。s contents on the stone wall of a white cloud cave in the mountains. He was then punished with guarding the book for life by the jade emperor for breaking heaven39。s law. In order to pass this holy book to human beings, he would have to get by the antagonist fox. The whole animation is characterized by charming Chinese painting, including pavilions, ancient architecture, rippling streams and crowded markets, which fully demonstrate the unique beauty of China39。s natural scenery. Pleasant Goat and Big Big Wolf【喜洋洋與灰太狼】 Pleasant Goat and Big Big Wolf (Chinese:喜羊羊與灰太狼 ) is a Chinese animated television series. The show is about a group of goats living on the Green Pasture, and the story revolves around a clumsy wolf who wants to eat them. It is a popular domestic animation series and has been adapted into movies. Nezha Conquers the Dragon King（ Chinese: 哪吒鬧海） is an outstanding animation issued by the Ministry of Culture in 1979 and is based on an episode from the Chinese mythological novel Fengshen Yanyi. A mother gave birth to a ball of flesh shaped like a lotus bud. The father, Li Jing, chopped open the ball, and beautiful boy, Nezha, sprung out. One day, when Nezha was seven years old, he went to the nearby seashore for a swim and killed the third son of the Dragon King who was persecuting local res