PCEIA Mandarin 2015 PDF

2014
2014
2014
PCEIAMII (35445-H)
MII
20142009
LIAM
(Persatuan Insurans Am Malaysia)
Caroline Darlington, Datin Veronica Selvanayagy,

Yap Wai Teck, Yap Hong Chiew, Goay Peng Hock,
Teh Chooi Hoon Tan Lee Lee.
Printed in Malaysia by
REKA CETAK SDN. BHD.
No. 12 & 14, Jalan Jemuju Empat 16/13D, Seksyen 16, 40200,
Shah Alam, Selangor Darul Ehsan
www.rekacetak.com
Perpustakaan Negara Malaysia
Cataloguing-in-Publication Data
[Bao xian dai li yuan yue qian kao shi]
ISBN 978-983-2432-07-4
1. Insurance--Malaysia. 2. Insurance agents--Malaysia.
3. Life insurance--Malaysia. I. Institut Insurans Malaysia.
368.9595

(16)
1
1.1
1.2
1.3
1.4
1.5
1.6
1.7
1.8
1.9
1.10
1.11
1.12
10
1.13
11
13
2.1
13
2.2
13
2.3
16
2.4
19
2.5
19
2.6
20
2.7
21
2.8
24
27
3.1
27
3.2
1965
30
3.3
2011
32
iii
3.4
32
3.5
32
3.6
2010(PDPA)
34
3.7
2001(AMLATFA)
36
3.8
2010
37
3.9
39
41
4.1
41
4.2
42
4.3
43
4.4
44
4.5
46
49
5.1
49
5.2
50
5.3
50
5.4
51
5.5
52
5.6
52
5.7
52
5.8
54
57
6.1
57
6.2
(MHI)
57
6.3
59
6.4
59
6.5
61
6.6
63
6.7
63
6.8
64
6.9
65
6.10
65
6.11
66
iv
( 710)
7
69
7.1
69
7.2
69
7.3
74
7.4
79
7.5
83
7.6
85
7.7
88
7.8
91
93
8.1
93
8.2
93
8.3
93
8.4
94
8.5
94
8.6
95
8.7
96
8.8
97
8.9
97
8.10
98
8.11
100
103
9.1
103
9.2
103
9.3
105
9.4
105
9.5
106
9.6
107
9.7
107
9.8
108
9.9
108
9.10
109
9.11
110
9.12
110
9.13
111
10
113
10.1
113
10.2 (GIARR)
113
10.3
113
10.4
114
10.5 (200341)
114
10.6
114
10.7
114
10.8
115
10.9
116
10.10
116
10.11
116
10.12
117
10.13
117
10.14
119
10.15 CBC
120
10.16 (CPD)
120
10.17
121
10.18 GIARR
121
10.19
121
10.20
123
1116
11
125
11.1
125
11.2
125
11.3
125
11.4
126
11.5
126
11.6
126
11.7
126
11.8
127
11.9
127
11.10
128
11.11
128
11.12
128
11.13
130
12
133
12.1
133
12.2
133
vi
12.3
136
12.4
137
12.5
138
12.6
138
12.7
138
12.8
140
13
143
13.1
143
13.2
143
13.3
144
13.4
144
13.5
145
13.6
145
13.7
145
13.8
147
14
149
14.1
149
14.2
149
14.3
149
14.4
151
14.5
152
14.6
152
14.7
153
15
155
15.1
155
15.2
155
15.3
155
15.4
157
15.5
157
15.6
157
15.7
158
15.8
158
15.9
159
16
161
16.1
161
16.2
161
16.3
162
vii
16.4
162
16.5
162
16.6
163
16.7
163
16.8
163
16.9
164
16.10
165
167
169
viii
1.1
:-
1.2
1.
2.
3.
4.
1.3
1.4
1.

2.

3.

1.5.1
1.5
1.5.2
1.5.3
1.5.4
1.5.5
1.6
1987
?
(Takaful)
Riba
Mudharabah
Tabarru
SAC
SAC
SAC
19975
SAC
BNM
BNMSAC
BNM
BNM
2009SAC
SAC
SAC
SAC
SAC
1.7
1.7.1
1.7.2
1.7.3
1.8
1.8.1
1.8.2
1.8.3
1.8.4

,
(),
1.8.6
1.8.7
,
,
1.9

()
1.9.1
1.9.2
1.8.5
1.9.3
""
1.9.4
a) b
1.9.5
1.9.7
1.10
19932005
1.11
(Lloyd's)
1.9.6
BNM
200020131353
33
2000
2006
2011
2013
53
42
36
33
36
26
21
19
10
11
BNM
2013
FSA161
2013630FSA
1.12
2012
54%20132
2012
3.6%2012RM822011
RM79.2
20117.85%RM140. 29
20128.2%RM151.80
8.3%RM105.28
(
)
10
1.
1.13
a)
b)
c)
d)
2.
a)
b)
c)
d)
3.
a)
b)
c)
d)
4.
a)
b)
c)
d)
5.
a)
b)
c)
d)
6.
a)
b)
11
c)
d)
7.
a)
b)
c)
d)
8.
a)
b)
c)
d)
9.
a)
b)
c)
d)
10.
a)
b)
c)
d)
12
2.1

1. UTMOST GOOD FAITH

2. INSURABLE INTEREST
3. INDEMNITY
4. SUBROGATION
5. CONTRIBUTION
6. PROXIMATE CAUSE
2.2
uberrima fides
uberrimae fidei
,
caveat emptor
2.2.1
a)
13
b)
c)
d)
2.2.2
2.2.3
14
a)
b)
a)
2.2.4
()
2.2.5

2.2.6 2013
FSA9
1. ?
2. ?
3.

4.
?
2013FSA 9

15
2013FSA9
241
a)
b)
a)
b)
c)
d)
2013
FSA9, 25(6)
2.3
2.3.1 ?
2013FSA83,
a)

b)
c)

16
2.3.2

?
a)
C&F
2.3.3
2.3.4

1.
2.
3.
4.
5.
RM300,000
RM300,000
2.3.5 ?
17
b)
novation
:
1906
2.3.6
2.3.7

201310
10216
a)
b)
c)
d)
18
18
2.4
2.4.1
2.5
2.5.1
19
2.6
2.6.1
20
-
-
(RM 30,000)
RM5,000
A
A
RM1,000
2.7
(RM 6,000)
=
RM10,000
B
B
RM2,000
RM15,000
C
C
RM3,000
Pawsey
v. Scottish Union & National 1907

2.7.1
21
2.7.2
22
2.7.3
23
2.8
1.
a)
b)
c)
d)
2.
a)
b)
c)
d)
3.
a)
b)
c)
d)
4.
a)
b)
c)
d)
5.
a)
b)
c)
d)
6.
20139
a)
b)
24
c)
d)
7.
a)
b)
c)
d)
8.
a)
b)
c)
d)
9.
a)
b)
c)
d)
10.

a)
b)
c)
d)
25
3.1
3.1.1
1963
1997111996
1996 ,

2005
FAS
200520058
3.1.2
1996
:
a) /
RM1
b) RM5
c) RM2
d) RM50RM15
3.1.3

()
2009(BNM)
2013
27

1.
2.
3.
4.
3.1.4

(RBC)2009 11
CAR

RBC
(Solvency II Basel II
1.
2.
3.
CAR=
TCA
x 100%
TCR
BNM130%
3.1.5
2013FSA2013
IFSA19961984
(
FSAIFSA2013630
28
IFSA 2
1. 1989 (BAFIA)
1. 1983 (IBA)
2. 1953 (ECA)
2. 1984
FSA 4:
3. 1996
4. 2003(PSA)
3.1.6
2013FSA2013
(IFSA)

3.1.7 2013
10
""
11 (3)
16 (1)
17
126
127
128
129
92
3
29
130
101956
23
275
1996 (a) 147(4) & (5)

150 & 151 (b) 144 & 224
FSA1299
276
161
3.2 1965
19651973
(CCM)
1.
2.
1.
a) (Sendirian Berhad
Sdn. Bhd.
b) (Berhad Bhd
)
20131965
2.
""
30
3.2.1 1965
(),
()
FSA165
3.3 2011
(PIDM) 2005
20101231
2011
TIPS
IGSF
3.3.1
PIDM
RM250,000
RM500,000
PIDM
31
3.4

CEP
3.5
3.5.1, 3.5.2 3.5.3
ESP
3.5.1
ESP
ESP
FSP
FSP
FMB
(BNM)
32
3.5.2
RMB
(FMB)
FMB:

FMB
FMB
FMB
RM 200,000

RM 100,000
RM 5,000
FMB

(RM25,000
)

FMB
2013
3.5.3 BNMLINK
BNMLINK
SMEBNMLINK
33
BNM
FMB
FMBFMB

3.6 2010
(PDPA)
2010201311
PDPA

PDPA:

;
;

3.6.1 2010PDPA:
1.
34

:
-
-
-
-
3.
4.
2.

5.
6.
7.

:
-
-
-
-
35
3.7 2001
(AMLATFA)
200120021152003
12AMLATFA
1.
2.
1. -
2. -
3. -
AMLATFA
(STR);

;

3.7.1
36
20139
(AML/CFT)
CDD
CDD
CDD
CDD
>
i. RM5,000
ii. RM10,000
<
i. RM5,000
ii. RM10,000
**
* -
a)
b)
c)
d)
e)
f)
g) /
h)
i)
** - b)
3.8 2010
2010201211

1.
37
2.
3.8.1
(MyCC)
2010
2010
2010

38
3.9
1.
a)
b)
c)
d)
2. 1996
a) 2013
b) 2013
c) 2013
d) 2013
3. RBC
a)
b)
c)
d)
4.
a) (FMB)
b)
c) (MyCC)
d) BNMLINK
5. AML/CFT
CDD
a)
b)
c)
d)
6. 2010
a)
b)
39
c)
d)
7. FMB
a)
b) RM25,000
c) R M 2 0 0 , 0 0 0
d)
8. (TIPS)?
a)
b) (BNM)
c)
d) (PIDM)
9. 2013
:
a)
b)
c)
d)
1 0 .
a) 1965
b) 2013
c) 1996
d) 2010
40
4. 1
1950
4. 2
4.2.1
4.2.2
41

Orion Insurance Co. plc v. Sphere Drake Insurance
Ltd (1992)
4.2.3
4.2.4
1906s22
198791
(4)
2013
8 (2)15
42
4.2.5
18
2013
s. 128 84
1016
16
1965
4. 3

43
4.3.1
2013
83
4.3.2
4.3.3
4. 4

44
4.4.1
4.4.3
4.4.4
4.4.5
13
15
4.4.6 ()
45
4.4.2
4. 5
1.
I.
II.
III.
IV.
V.
a) IIIIII IV
b) IIIIIIV V
c) I III
d) IIIIIIIV V
2.
a)
b)
c)
d)
3.
a)
b)
c)
d)
4.
a)
b) 18
c)
d)
5.
I.
II.
III.
IV.
V.
46
a)
IIIIII IV
b)
II
c)
II IV
d)
IIIV V
6.
a)
b)
c)
d)
7.
a)
b)
c)
d)
8.
a)
b)
c)
d)
9.
a)
b)
c)
d)
10.
a) 1965
b) 2013
c) 1950
d) 1996
47
5.1
2013
a)
b)
c)
1.
"" ("")
2.
3. :
A
BA
A
49
5.2
5.2.1
5.2.2

5.2.3
5.2.4

5.2.5
5.3
5.3.1
50
5.3.2
5.4
5.4.1
5.4.2

51
5.5

5.6
5.7

20137
1.
2.
a)
b)
c)
3.
52
4.
5.
6.
53
5.8
1.
a)
b)
c)
d)
2.
I.
II.
III.
IV.
V.
a) III III
c) IIIII IV
b) IIIV V
d) IIIIIIIVV
3.
()
a)
b)
c)
d)
4.
I.
II.
III.
IV.
a) III III
c) II III
b) I II
d) IIIIII IV
5.
a)
b)
c)
d)
54
6.
I.
II.
III.
IV.
a) I II
c) III IV
b) III IV
d)
7.
a)
b)
c)
d)
8.
a)
b)
c)
d)
9.
a)
b)
c)
d)
IIIIII IV
10.

a)
b)
c)
d)
55
6.1
(MHI)
6.2

MHI

6.2.1
(HSI)
HSI
, "",
,
57

()
1. (120)
300
2. (20)
400
3.
4,000
4.
600
5.
(RM )
31,000
6.
600
7.
(60)
200
8. (31)
600
9.
250
6.2.2 (CI)

CI36
6.2.3
60%70%
6.2.4
58
6.3
(MCO)
MCO
MCO
(BNM)BNM
MCO
BNM
MCO
2001
MCO
MCO
MCO
6.4
BNM
6.4.1

200611
6.4.2

201011
59
2013FSA8
"
a)
b)
c)
"

a)
b)
c)
d)
6.4.3
15
30
60

20%
RM3,000
6.5
6.5.1
1.
2.
3.
1
2
3
4
4.
6.5.2

/
61
6.5.3
1.
2.
3. -
6.5.4

1.
2.
3.
62
6.6

6.6.1
MCO
6.6.2
75%
6.6.3
6.7
HSI
63

1.
2.
3. ;
4.
()
(RM)
(120)
300
(20)
400
4,000
600
31,000
600
(60)
200
(31)
600
250

RM3,000
RM3,000

20%
RM3,000
6.8

6.8.1
64
a)
30
b)
30
6.8.2
-
a)
b)
c)
*HISLIAM
PIAM
6.9
1.
2.
3.
6.10

MHI
RM3,0001996
RM2,0002000
RM6,000
EPF
65
6.11
1.
a)
b)
c)
d)
2.
I.
II.
III.
IV.
V.
a)
I II
b)
IIIII IV
c)
IIIIII IV
d)
IIIIIIIV V
3.
4.
a)
b)
c)
d)
a)
b)
c)
30
d)
5.
a)
b)
c)
d) 36
66
6.
a)
b)
c)
d)
a)
b)
c)
d)
7.
8. MCO
a)
b)
c)
d)
9.
a)
b)
c)
d)
10. /
a)
b)
c)
d)
67
7.1
2013(FSA)
7.2
1987RTA
RTA90 (1):
"
"
RTA 90 (2)
RM1,0003,
12
69

RTA91(b)
RTA
7.2.1
7.2.2
70
1. 1987RTA
RTA
2.
3.
75%
4.
7.2.3

A:
a)
b)
c)
d)
e)
f)
g)
i)
ii)
71
B
a)
b) RM3
1.
0.5%RM15
2.
15% RM30
3.
0.3%RM5
4.
15%
5.
50% ()
/
6.
RM10
7.
RM50
8.
25% 5
1RM10
9.
RM7.50
72
2f
RM400
A
21

21/
7.2.4
7.2.5
:
i.
ii.
i.
ii.
73
1. 2.
7.2.6
7.3
7.3.1
74

B

7.3.2
75

7.3.3
BI
:
= ( + + )
( + + )
=
=
(SI)= (IP)(GP)IP =
18 ; SI = GP x 18/12.
76
7.3.4
1.
2. /
3.
4.
5.
6. /
7.
8.
9.
10.
10%
11. RM50,000
7.3.5
111
77
12.
15%
13.
15%
14.
15. 3 RM 10,000
16.
90
RM500
7.3.6
1.

2.
78

50%
20%
Edward Lloyd
7.4.1
79
7.4
(P&I)
A
B75%25%$100,000
$200,000
75%
25%
$100,000
$200,000
$150,000 (75%x$200,000)
$25,000 (25%x$100,000)
B $125,000
$112,500 (3/4 x $150,000)
$18,750 (3/4 x $25,000)
P&I
$ 37,500 (1/4 x $150.000)
$ 6,250 (1/4 x $25,000)
7.4.2
1.
(FOB)
2. (CFR) -
80
3. (CIF) -
1. A
2. B
3. C
ILU
81

7.4.3
"",
(Malaysian Aviation Pool)

RM393
1999(ICAO)
2003
82
7.4.4

()
7.5
7.5.1
}
}
83
}
}
7.5.2

1952WCA26(2)
(19968),
1969ESSA
SOCSO
199271RM
3,000) 1952
1969
196942SOCSO
SOCSO
84
1952
24
7.6
"
" ()
7.6.1
24
104
85
7.6.2
""
86
7.6.3
1.
2.
3.
1.
2. /
612
7.6.4
5%
87
7.7
1. /
2. /
7.7.1
1.
2.

a) b)

3.
1.

2.
88
3.
;
;

1
a)
b)
c)
2-
a) /
b)
(EAR) CAR
89
7.7.2

1.
2.
/
/;
90
7.8
a)
b)
c)
d)
2.
a)
b)
c)
d)
3.
a)
b)
c)
d)
4.
1.
a)
b)
c)
d)
5.
a)
b)
c)
d)
6.
a)
b)
c)
d)
91
7.
a)
b)
c)
d)
8.
a)
b)
c)
d)
9.
__________
a)
b)
c)
d)
10. 1987

a)
b)
c)
d)
92
8.1
8.2
3.
2.
1.
8.3
1.
30
93
2.
3.
8.4

a) ,
b) ,
c) ,
d)
8.5

PIAM
1. 1978
2. (RFT 2000)
FEA
94
8.6

:
:
:
:
:
:
ABC
(2)
BMW 5281 SALOON
2,793
2008
RM 300,000
:
RM 3,000

1400
225.20
72.00
60.75
1650
251.50
81.00
67.50
2200
277.90
90.00
76.50
99.00
85.50
108.00
92.25
RM1,000
RM1,000
RM26
3050
304.20
4100
330.50
4250
356.80
117.00
99.00
4400
383.20
126.00
108.00
4400
409.50
135.00
114.75
ABC
(RM 304.20 + 26.00 x 299)
RM 8,078.20
()
- 0.30%
900.00
15%
450.00
-
0.50%
1,500.00
- 25%
24.75
()
50.00
: 6%
:
11,002.95
660.18
10.00
11,673.13
95
8.7

XYZ
RM 500,000
RM 100,000
RM 200,000
RM 20,000
(B)
2100
2104
2124
//
1A
1B
0.190
0.254
0.411
0.644
XYZ
: 2124
: 0.190%
RM 820,000
RM 1,558.00
:
:
0.014 %
114.80
0.005%
41.00
(B)
0.056%
56.00
0.086%
705.20
6 %
148.50
96
10.00
RM 2,633.50
8.8

()

()

()
()

(
)
8.9
97

1.
2.
911
8.10
8.10.1
8.10.2
(1906
22)
198791
4
8.10.3
2005
JPJ
98
8.10.4
a)
1987
7
b)
8.10.5
8.10.7
99
8.10.6
8.11
1.
a)
b)
c)
d)
2.
I.
II.
III.
IV.
a) IIIIIV
b) IIIIIIV
c) IIV
d) IIIIIIIV
3.
a)
b) 7
c) 14
d) 21
4.
a)
b)
c)
d)
5.
a)
b)
c)
d)
100
6.
1987
a) 91(4)
b) 94(1)
c) 90(1)
d) 90(4)
7.
a)
b)
c)
d)
8.
a)
b)
c)
d)
9.
a)
b)
c)
d)
10.

a)
b)
c)
d)
101
9.1
9.2
9.2.1
1430
20079
a) 7
b) 30
103
c) (a) (b)
9.2.2
9.2.3
9.2.4
104
9.3
()
()
()
9.4
105
FMB
1.
2.
3.
4.
9.5
9.6
106
9.7
MIB1968115
1987
28
MIB
MIB
199211

MIB
9.8
" (KFK) 1987 ",

107
90
20016
9.9

2001
2.
1.
3.
6.
CPC
4.
108
(CPC)
5. CPC
1.
2.
3.
CPC
4.
5.
6.
7. CPC1
1.
2.
:
9.10
1.
2.
3. - FMB
FMB
109
4.
9.11
1.
2.
9.12

JPI/GPI14-19952
I
II
110
1.
2.
- 7
- 14
3.
4.
5.
7 -
14- RM 1
21 - RM 1
6.
14
9.13
1.
a)
b)
c)
d)
2.
a)
b)
c)
d)
3.
a)
b)
c)
30
d)
4.
a)
b)
c)
d)
5.
$10,000
$100,000
$60,000
a)
b)
$4,000
c)
$6,000
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$8,000
6.
a)
b)
111
c)
d)
7.
MIB
a)
b)
c)
d)
8.
a)
b)
c)
d)
9.
a)
b)
c)
d)
10.
a)
b)
c)
d)
112
10
10.1
PIAM1992424
(ICAGIB)PIAM
1.
;
2.
ICAGIB
(GIARR)
GIARR
1965;
1966
10.3
113
10
10.2
(GIARR)
10.4
PIAM
i.
ii. (SME)
iii.
/
10.5
(20034

1)
SPM/GCEO
10
MII
GIARR
10.6
PIAM
60
10.7
114
10.8
a)
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1
PIAM
14
115
10
30
10.10
a)
b)
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10
f)
10.11
a)
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c) PIAMPIAM
d)
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116

a)
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14
10.12
RM20,000
12
()
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A.
a)
b)
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117
10
10.13
d)
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h)
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10
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i)
ii)
iii)
iv)
118
D.
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iii)
E.
F.
i)
(3)
ii) ,
10.14
/
/
a)
7
b)
15
119
10
G.
c)
60
15
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(CBC)
CBC
200571
20061231
CBC
14
14CBC
6
10
a) CBC
7
b) 23
CBC
c) CBC
14
/
d) 6
CBC
12
10.16
(CPD)
120
20CPD200511
CPD
10.17

60%12
40%8
30
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10.19

121
10
10.18 GIARR
/
:
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;
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10
:
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6
122
10.20
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(ICAGIB)
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IV.
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b) IIIII
c) I III
d) IIIIIIIV
2.
(GIARR)
a)
b)
c)
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3.
10
a) (SPM)
b) (CMII)
c) (PCEIA)
d) (BAMC)
4.
CBC
a) 6
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c)
d) RM500,000
5.
I.
II.
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123
10
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6.
200511CPD
a) 30
b) 20
c) 20
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7.
______ _____
a) /
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8.
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d) 7
9.
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22CBC
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a) 3
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124
11
11.1
2013FSA8
11.2
11
11.3
15
125
11.4
Dalby v. The India and
London Life (1854)
a)
b)
c)
11
11.5
1016
16
11.6
11.7
()
:-
126
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b)
c)
3
30%
11.8
1.
2.
11.9
a)
b)
c)
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127
11
11.611.7
11.8
11.10
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a)
b)
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11.11
11
11.12
128
""
11
129
11.13
1.
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c)
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I.
10
II.
10
III. 16
IV. 16
a) IIIII IV
b) IIIIII IV
c) II IV
11
d) I II
3.
a)
b)
c)
d)
4.
I.
II.
III.
IV.
a) IIIIII IV
b) III III
c) II IV
d) I II
5.
I.
130
II.
III.
IV.
V.
a) I II III
b) IIIIIIIV V
c) I II
d) IIIIII IV
6.
a)
b)
c)
d)
7.
a) 30
b)
c) 15
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8.
a)
b)
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d) ab c
9.
a)
b)
c)
d)
131
11
10.
a)
b)
c)
d)
11
132
12
12.1
""assurance
insurance
12.2
12
1.
2.
3.
4.
5.
12.2.1
133
(
)
12
:
()
50
50 55
12.2.2
8590100
60
,
134
3
()
12.2.3
12.2.4
12.2.5
()
12
()
135

1.
2. 12
10
20138%
10RM3,000
12.3
12
36
1.
2.
3.
4.
5.
6.
7.
8.
9.
10.
11.
12.
(HIV)
13.
14.
15.
136
16.
HIV
17.
18.
19.
20.
21.
22.
23.
24.
25.
26.
27.
28.
29.
30.
31.
32.
33.
34.
35.
36.
2013
FSA
FSA
137
12
12.4
12.4.1

1. 10
75%
2. :
1660
12.5
1. (PA)
2.
12
12.6
12.7
a)
138
b) :
c)
d)
1520
25%
e)
f)
139
12
12.8
1.

a)
b)
c)
d)
2.

a)
b)
c)
d)
3.

a)
b)
c)
d)
12
4.

a)
b)
65
c)
d)
5.

a)
b)
c)
d)
6.

a)
b)
c)
d)
140
7.

a)
b)
c)
d)
8.

a)
b)
c)
d)
9.

a)
b)
c)
d)
10.
a)
b)
c)
d)
12
141
13
13.1
"
"
13.2
143
13
13.2.1
13.2.2
4%
13.2.3
1.
2.
3.
1.
2. 610
3.
13
13.3
""
13.4
144
= +
= + +
13.5
a)
b)
c)
d)
13.6
RM6,000
EPF
RM3,000
2013
:
:
30
RM 42,000
(), 1
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b) : RM 1,380 () RM 3,000 (
(MHI))
145
13
13.7
(RM)
(RM)
42,000
42,000
9,000
9,000
3,000
3,000
1,000
1,000
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4,620
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17,620
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24,380
22,000
20,000
20,000
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15,000 @ 6%
262.80
300.00
562.80
13
RM 262.80
146
300.00
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b)
c)
d)
2.
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b)
c)
d)
3.
a)
b)
c)
d)
a)
b)
c)
d)
5.
EPF
a) RM 3,000
b) RM 4,000
c) RM 5,000
d) RM 6,000
6.
I.
II.
III.
IV.
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b) III III
c) I II
d) IIIIII IV
13
4.
147
7.
I.
II.
III.
IV.
a)
IIIIIV
b)
IIIIIIV
c)
IIIIII
d)
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8.
a)
b)
c)
d)
9.
a)
b)
c)
d)
10.

a)
b)
c)
d)
13
148
14
14.1
14.2
2013
9uberrima fides

""
2013
14.2.1
14.2.2
149
14
14.3
""
14.3.1
:
1.
()
2.
()
/
3.
4. ():
14.3.2
:
14
14.3.3
()
150
1.
2.
3.
4.
5.
a)
30
b)
/
c)
15
d)
e)
6
151
14
14.4
14.5

14.6
1.
2.
3.
14.6.1
14.6.2
14.6.3
14.6.4
14
152
1.
____________
a)
b)
c)
d)
2.
a)
b)
c)
d)
3.
a)
b)
c)
d)
4.
a)
b)
c)
d)
5.
a)
b)
c)
d)
6.
a)
b)
c)
d)
7.
a)
b)
14
14.7
153
c)
d)
8.
a)
b)
c)
d)
9.
a)
b)
c)
d) /
10.

a) 15
b) 15
c) 15
d) 15
14
154
15
15.1
2.

1.

3.
15.2
1.
2.
15
3.
4.
5.
15.3
155
15.3.1
201310
195623
15.3.2
15.3.3
15
1958
6
2013
2013
156
1) RM 100,000
2) RM 100,0001
15.3.4

(
)60
1%
60
15.4
15.5

36
(TPD)TPD
15
15.6
TPD
157
15.7
15.8
15
158
15.9
a)
b)
c)
d)
2.
a) 1
b) 3
c) 5
d) 7
3.
I.
II.
III.
IV.
a)
I IV
b)
III III
c)
III IV
d)
IIIIIIIV
4.
_______
a) 15
c) 60
b) 30
d) 7
5.
I.
II.
III.
IV.
V.
a) I IIIII IV
c) II V
b) V
d) IIIIII IV V
15
1.
159
6.

a)
b)
c)
d)
7.
a)
b)
c)
d)
8.
a)
b)
c)
d)
9.
a)
b)
c)
d)
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15
I.
II.
III.
IV.
a)
b)
c)
d) I III
III III
I
II IV
160
16
16.1
1.
2.
3.
4.
16
16.2
5.
6.
7.
161
16.3
16.4
:
a)
;
b)
;
c) ;
d)
e)
f)
;
g)
h)
i)
16.5
16
162
16.6
a) ;
b)
c)
a)
b)
c)
d)
:
a)
b)
16.7
i)
ii)
16.8
:
i)
163
16
iii)
ii)
16.9
16
164
16.10
1.

a)
b)
c)
d)
2.

a)
b)
c)
d)
3.
a)
b)
c)
d)
4.

I.
II.
III.
IV.
a) I II
b) II III
c) III III
d) IIIIII IV
a)
b)
c)
d)
165
16
5.
6.

a)
b)
c)
d)
a, b c
7. 2

a)
b)
c)
d)
8.
a)
b)
c)
d)
9.
a)
b)
c)
d )
1 0 .
a)
b)
c)
d )
16
166

1
: 1-a, 2-c, 3-c, 4-d, 5-c, 6-d, 7-c, 8-b, 9-c, 10-c
2
: 1-a, 2-b, 3-c, 4-c, 5-a, 6-b, 7-b, 8-c, 9-d, 10-c
3
: 1-a, 2-b, 3-d, 4-c, 5-c, 6-b, 7-c, 8-d, 9-c, 10-b
4
: 1-d, 2-b, 3-d, 4-b, 5-b, 6-c, 7-d, 8-b, 9-b, 10-c
5
: 1-c, 2-d, 3-c, 4-a, 5-c, 6-d, 7-d, 8-c, 9-c, 10-b
6
: 1-c, 2-d, 3-c, 4-d, 5-b, 6-b, 7-c, 8-b, 9-b, 10-d
7
: 1-b, 2-b, 3-b, 4-b, 5-d, 6-c, 7-b, 8-d, 9-a, 10-c
8
: 1-c, 2-d, 3-b, 4-b, 5-c, 6-a, 7-c, 8-b, 9-b, 10-c
9
: 1-b, 2-b, 3-b, 4-d, 5-c, 6-c, 7-a, 8-b, 9-b, 10-d
10
: 1-c, 2-b, 3-c, 4-b, 5-d, 6-b, 7-a, 8-b, 9-a, 10-d
11
: 1-b, 2-a, 3-d, 4-b, 5-b, 6-b, 7-d, 8-d, 9-b, 10-d
167
12
: 1-c, 2-d, 3-c, 4-d, 5-a, 6-c, 7-c, 8-a, 9-c, 10-d
13
: 1-d, 2-b, 3-d, 4-c, 5-d, 6-a, 7-b, 8-c, 9-d, 10-b
14
: 1-a, 2-d, 3-b, 4-c, 5-c, 6-b, 7-a, 8-d, 9-a, 10-b
15
: 1-b, 2-d, 3-d, 4-c, 5-d, 6-b, 7-c, 8-d, 9-a, 10-c
16
: 1-c, 2-a, 3-c, 4-c, 5-c, 6-d, 7-c, 8-b, 9-b, 10-b
168

3.1.3
2.1
BNMLINK 3.5.3
7.6.4
2.2.4

2.2.5

20139 2.2.6
7.3.6
7.3.3
11.5
(CBC)

10.15
9. 9

9.6

9.2

9.10

9.3

9.12

9.11

9.5

9.4

15.8

15.5

15.3

15.4

15.7

(TPD) 15.6
1956 3.2

3.2.1
3.5

3.5.1
2010 3.8
7.2.1
7.2.4
2.7.2
4.2.5
2.6
5.5
5.4
5.2

10.7

10.6

10.13

10.10

10.16

10.3

10.5

10.12

10.9

10.8

10.14

10.4

10.11

16.7

16.9

16.2

16.3

16.6

16.8

16.5

16.4
5.7
7.3.2
2011
(AMLATFA) 3.7
(AML/CFT)
3.7.1

(CDD) 3.7.1
2.3.5

2.3.5

2.3.7

2.3.5 should be 2.3.6

7.4.3
169
2.6.1
12.3
2.2.1
11.10
8.10
5.2
5.3
7.7

7.7.2

7.7.1
7.6.3
3.3.1

3.5

3.4
2013(FSA) 3.1.5, 3.1.6

3.1.6

9 2.2.6

10
2.3.7

3.1.7
(FMB), 3.5.2
7.3.1
8.7
1.7
8.10

8.8

8.3

8.4

8.2
(GIARR),
10.2
GIARR 10.18
10.19
7.4.4
12.4
6.6
1.3
7.3.5
7.3.4
170
2.4

2.4.1
2.3
11.4
1.6

2.1

1.7

1.11

2.3.3, 2. 3. 4
4.2

3.1.2

3.1.1

3.1.5

3.1.6

(BNM) 3.1.3
1.11
4.4
1.9
2013 3.1.5

3.1.6
9.8
5.1
4.1

4.2.5

4.2

4.2

4.3
7.5
7.2.5
11.12
11.4
12.7
11. 8
12.2
13

13.2

13.4

13.6

13.3

13.5
12.5
(MyCC) 3.8.1
2011 3.3
6.3
7.4

7.4.2

7.4.1
2.2.2
6

6.9

6.7

6.4

6.8

6.2
7.6
11.5
11.2
7.6.2
7.2

7.2.1

7.2.4

7.2

7.2.5

7.2.6

8.6

7.2.3
9.7
7.2.6
11.12
11.18
11.3
2.7.1
12.6
11.6
, 1.3
7.6.1
2010 (PDPA) 3.6

3.6.1

13.7

6.10
8.7
8.6
13
7.2.3
7.3
2.2.3
2.7

2.7.2

2.7.1

2.7.3
8.9

1.2

1.5

1.4

1.1

1.9
3.1.4
1987 (RTA), 7.2

7.2
2.3.3, 2. 3. 4
2.5

2.5.1

2.7.3
12.5
12.7
11.7
1.6

14.4

14.6

14.3

14.2

14.5
11.6
11.7
1.3
171
8.8
8.3
8.4
8.2

14.4

14.6

14.3
172

14.2

14.5
1.9
2.2

2.2.4

2.2.5

20139 2.2.6
4.3
Malaysian Insurance Institute (MII)

No 5, Jalan Sri Semantan Satu,
50490 Damansara Heights Kuala Lumpur
or go to www.insurance.com.my
HEAD OFFICE
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PCEIA Mandarin 2015 PDF

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2014

Caroline Darlington, Datin Veronica Selvanayagy,

Perpustakaan Negara Malaysia

[Bao xian dai li yuan yue qian kao shi]

1. UTMOST GOOD FAITH

1996 (a) 147(4) & (5)

3.5.1, 3.5.2 3.5.3

$112,500 (3/4 x $150,000)

$18,750 (3/4 x $25,000)

$ 37,500 (1/4 x $150.000)

$ 6,250 (1/4 x $25,000)

(Malaysian Aviation Pool)

" (KFK) 1987 ",

Dalby v. The India and

London Life (1854)

: a) (EPF): RM 3,500 (@ 11%)

Malaysian Insurance Institute (MII)

MII City Centre

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