保险基本原理第 227 / 531 题
Describing an insurance policy as an aleatory contract means that:
a.one side writes the wording and the other takes it as offered
b.the insurer alone makes a promise a court enforces
c.the amounts the two sides exchange may be very unequal
d.the insured must satisfy stated duties before a claim is paid
解析
Aleatory describes an exchange of unequal value that turns on an uncertain event: a small premium may buy a very large claim payment, or produce no payment at all. The description of only one enforceable promise is what makes the contract unilateral, the duties-before-payment description is what makes it conditional, and the take-it-as-written description is adhesion. All four labels fit an insurance policy, but each names a different feature.
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