Free Practice Questions for Agricultural Disaster Loss Evaluator (손해평가사)

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Key Facts: Agricultural Disaster Loss Evaluator (손해평가사) Exam

75 MCQs / 90 Min

Official 1st Stage Format (3 Subjects × 25 Items)

HRD Korea & MAFRA Regulations

40% / 60%

Passing Score: 40-pt Subject Floor & 60-pt Overall Average

Agricultural & Fishery Disaster Insurance Act

KRW 20,000 / 33,000

Examination Fee (Stage 1 / Stage 2)

Q-Net Official Examination Portal

Article 11

Statutory Basis (농어업재해보험법 제11조 손해평가사 등)

Ministry of Agriculture, Food and Rural Affairs

1-Year Exemption

Stage 1 Exemption for Subsequent Year Stage 2

HRD Korea Examination By-laws

100 MCQs

Practice Items in this Independent OpenExamPrep Bank

OpenExamPrep Practice Bank

The Korea Agricultural Disaster Loss Evaluator (손해평가사) certifies statutory authority and professional expertise in appraising agricultural and livestock disaster losses, verifying cultivated acreage, calculating yield reductions, and assessing insurance indemnities under South Korea's agricultural disaster insurance safety net. This module is an independent English-language MCQ study adaptation by OpenExamPrep, not an official translation or format simulation. Independent practice by OpenExamPrep.

Sample Agricultural Disaster Loss Evaluator (손해평가사) Practice Questions

Try these sample questions to review concepts for the Agricultural Disaster Loss Evaluator (손해평가사) exam. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1Under the Commercial Act Insurance Part (상법 보험편 제638조), how is an insurance contract legally classified in terms of its formation and formal requirements?

A.A formal contract requiring the mandatory execution and notary certification of an official policy deed.

B.A consensual, informal contract (낙성·불요식 계약) formed solely upon the mutual agreement of the parties without requiring special formalities.

C.A real contract (요물계약) that takes legal effect only upon the full physical delivery of the subject matter and payment of the premium.

D.A unilateral gratuitous contract where obligations are incumbent solely upon the insurer upon the occurrence of a disaster.

Explanation: Under Article 638 of the Commercial Act Insurance Part (상법 보험편), an insurance contract is a consensual and informal contract (낙성·불요식 계약). It is legally formed when one party promises to pay insurance money upon an uncertain disaster event and the counterparty agrees to pay premiums, without requiring written deeds, notarization, or physical delivery of goods.

2Under Article 638-3 of the Commercial Act Insurance Part (상법 보험편), within what period may a policyholder cancel (취소) an insurance contract if the insurer failed to deliver the standard policy terms or explain material clauses (약관 교부·설명의무 위반)?

A.Within 1 month from the date the contract was formed

B.Within 3 months from the date the contract was formed

C.Within 6 months from the date of the first premium payment

D.Within 1 year from the date of discovering the omission

Explanation: Under Article 638-3, Paragraph 2 of the Commercial Act Insurance Part (상법 보험편 제638조의3 제2항), if the insurer breaches its statutory duty to deliver standard policy terms or explain material terms, the policyholder may cancel (취소) the contract within 3 months from the date the contract was formed (계약이 성립한 날부터 3개월 이내).

3Under Article 651 of the Commercial Act Insurance Part (상법 보험편), what are the statutory time limits for an insurer to exercise its right to rescind (계약해지) a policy due to a breach of the duty of disclosure (고지의무 위반)?

A.Within 1 month from knowing the undisclosed material fact, and within 3 years from the date of contract formation

B.Within 3 months from knowing the undisclosed material fact, and within 5 years from contract formation

C.Within 14 days from knowing the undisclosed fact, and within 1 year from the first premium payment

D.Within 2 months from knowing the fact, with no long-term limitation period if fraud is involved

Explanation: Under Article 651 of the Commercial Act Insurance Part (상법 보험편 제651조), the insurer may rescind the insurance contract within 1 month from the date of becoming aware of the undisclosed or falsely disclosed material fact (안 날로부터 1개월), and within 3 years from the date the contract was formed (계약이 성립한 날로부터 3년).

4Under Article 668 of the Commercial Act Insurance Part (상법 보험편), which of the following is a mandatory legal attribute of an insurable interest (피보험이익) in property and disaster insurance?

A.It must be capable of evaluation in monetary terms (금전으로 산정할 수 있는 이익).

B.It may consist purely of sentimental or emotional attachment to agricultural crops.

C.It must be established after the insured disaster has already produced a total loss.

D.It must always be identical to the sovereign agricultural land purchase value.

Explanation: Article 668 of the Commercial Act Insurance Part (상법 보험편 제668조) explicitly dictates that an insurable interest (피보험이익) in property insurance must be an economic interest capable of being calculated in monetary terms. Without a measurable monetary relationship to the subject matter, no valid property insurance contract can exist.

5In animal husbandry (가축사양학), what is the correct anatomical sequence of the four compartments of a ruminant stomach through which ingested feed passes in cattle?

A.Abomasum (진위) -> Omasum (겹주름위) -> Reticulum (벌집위) -> Rumen (혹위)

B.Rumen (혹위/제1위) -> Reticulum (벌집위/제2위) -> Omasum (겹주름위/제3위) -> Abomasum (진위/제4위)

C.Reticulum -> Rumen -> Abomasum -> Omasum

D.Cattle possess a single simple stomach identical to that of pigs and poultry

Explanation: Cattle are ruminants with a four-compartment stomach. Feed enters the rumen (혹위, 제1위), where anaerobic microbes ferment cellulose into volatile fatty acids; it passes to the reticulum (벌집위, 제2위), which traps heavy foreign objects and helps regurgitate the cud; then to the omasum (겹주름위, 제3위), which absorbs water and further reduces particle size; and finally to the abomasum (진위, 제4위), the true glandular stomach that secretes hydrochloric acid and pepsin.

6In food crop science (식량작물학), what is the purpose of curing (큐어링) sweet potatoes and potatoes immediately after harvest, and under what conditions is it carried out?

A.To freeze the tubers below zero so that sprouting is permanently prevented

B.To hold the tubers at a relatively high temperature and high humidity for a short period so that harvest wounds form suberised periderm, reducing rot and storage loss

C.To submerge the tubers in water for two weeks so that surface soil dissolves away

D.To expose the tubers to direct sunlight until the skin turns green

Explanation: Curing (큐어링) heals the mechanical wounds inflicted during digging. Tubers are held briefly under warm, humid conditions (sweet potato at roughly 30-33°C and 90-95% relative humidity for about 3-4 days; potato at roughly 15-20°C and high humidity for about 1-2 weeks) so that wound periderm rich in suberin forms over the cuts. The sealed surface blocks entry by soft-rot organisms and greatly reduces weight loss and decay in subsequent low-temperature storage.

7Under Article 681 of the Commercial Act Insurance Part (상법 보험편), which condition is required for the insurer to acquire all rights in the insured subject matter (잔존물대위 / Subrogation into Subject Matter)?

A.The insurer must have paid the entire insured amount (보험금액의 전부를 지급) following the total loss (전부멸실) of the insured subject matter.

B.The insurer must have paid at least thirty percent of the estimated partial damage.

C.The insured subject matter must be situated on government-owned agricultural land.

D.The policyholder must have waived all rights to future policy renewals.

Explanation: Under Article 681 of the Commercial Act Insurance Part (상법 보험편 제681조 보험목적에 대한 보험자대위), when the subject matter of insurance has been totally destroyed and the insurer has paid the entire insured amount (보험금액의 전부를 지급한 때), the insurer acquires all rights of the insured in the subject matter by operation of law.

8Under Article 657 of the Commercial Act Insurance Part (상법 보험편), what is the primary statutory obligation of the policyholder or insured upon the occurrence of an insured disaster (보험사고 발생 통지의무)?

A.Immediately demolish all surrounding structures to facilitate aerial loss assessment

B.Dispatch notice of the disaster occurrence to the insurer without delay (지체 없이 보험자에게 그 통지를 발송하여야 한다)

C.Deposit the full annual premium into an escrow account within twenty-four hours

D.File a formal civil complaint with the district court before contacting the insurer

Explanation: Under Article 657, Paragraph 1 of the Commercial Act Insurance Part (상법 보험편 제657조 제1항), when the policyholder or the insured becomes aware of the occurrence of an insured disaster, they must dispatch notice thereof to the insurer without delay (지체 없이 보험자에게 그 통지를 발송하여야 한다).

9Under Article 662 of the Commercial Act Insurance Part (상법 보험편 제662조), what is the statutory extinctive prescription (소멸시효) period for an insured's claim for insurance money (보험금청구권)?

A.1 year

B.2 years

C.3 years

D.5 years

Explanation: Under Article 662 of the Commercial Act Insurance Part (상법 보험편 제662조 소멸시효), the right to claim insurance money (보험금청구권) and the right to claim the return of premiums expire by prescription if not exercised within 3 years (3년간 행사하지 아니하면 소멸시효가 완성한다). The insurer's right to claim premiums expires in 2 years.

10Under Article 659 of the Commercial Act Insurance Part (상법 보험편), in which of the following circumstances is the insurer legally exempted from liability to pay insurance money (보험자의 면책사유)?

A.When the insured disaster was caused by ordinary slight negligence (경과실) of the policyholder

B.When the disaster was caused by intentional malice or gross negligence (고의 또는 중대한 과실) of the policyholder, insured, or beneficiary

C.When the disaster occurred during heavy seasonal rainfall that had been forecasted by meteorologists

D.When the insured crop was harvested two days earlier than the regional average harvest date

Explanation: Under Article 659, Paragraph 1 of the Commercial Act Insurance Part (상법 보험편 제659조 제1항), if an insured disaster occurs due to the intentional malice or gross negligence (고의 또는 중대한 과실) of the policyholder, the insured, or the beneficiary, the insurer is exempted from the obligation to pay insurance money.

About the Agricultural Disaster Loss Evaluator (손해평가사) Exam

The Korea Agricultural Disaster Loss Evaluator (손해평가사) is a national professional qualification established under Article 11 of the Agricultural and Fishery Disaster Insurance Act (농어업재해보험법), administered by HRD Korea (한국산업인력공단 / Q-Net) under the oversight of the Ministry of Agriculture, Food and Rural Affairs (농림축산식품부) and the Agricultural Policy Insurance & Finance Service (농업정책보험금융원 / APIFS). Licensed Loss Evaluators hold statutory authority to investigate crop and livestock damage events, appraise harvest reductions, verify cultivated acreage, calculate indemnities, and prepare official loss evaluation reports. The comprehensive curriculum encompasses the Commercial Act Insurance Part (상법 보험편), Agricultural & Fishery Disaster Insurance Law (농어업재해보험법), Loss Evaluation Guidelines (손해평가요령), Agronomy Principles (농학개론 - 재배학 및 원예작물학), and Agricultural & Livestock Disaster Insurance Loss Evaluation Practice (농작물재해보험·가축재해보험 손해평가 실무). This module is an independent English-language MCQ study adaptation by OpenExamPrep, not an official translation or format simulation. Independent practice by OpenExamPrep.

Exam sponsor: Ministry of Agriculture, Food and Rural Affairs (농림축산식품부) / Agricultural Policy Insurance & Finance Service (농업정책보험금융원 / APIFS) / HRD Korea (한국산업인력공단 / Q-Net). The requirements and fees below concern the certification or admission exam, separate from our free practice resources.

Assessment

Official format: 1st stage 75 objective items across 3 subjects (25 items each, total 90 minutes); 2nd stage 20 short-answer and descriptive items across 2 subjects (10 items each, 120 minutes). 1st stage subjects (25 items each): (1) Agricultural & Fishery Disaster Insurance Law and the Commercial Act Insurance Part (농어업재해보험법령 [법·시행령·손해평가요령] 및 「상법」 보험편), (2) Agronomy Principles — Crop Cultivation Science and Animal Husbandry (농학개론 중 재배학 및 가축사양학), (3) Crop Science — Food Crop Science and Horticultural Crop Science (작물학개론 중 식량작물학 및 원예작물학). 2nd stage subjects (10 items each): (1) Theory and Practice of Crop and Livestock Disaster Insurance (농작물재해보험 및 가축재해보험의 이론과 실무), (2) Theory and Practice of Crop and Livestock Disaster Insurance Loss Evaluation (농작물재해보험 및 가축재해보험 손해평가의 이론과 실무).

Time Limit

90 minutes (1st stage)

Passing Score

1st stage at least 40 points in each subject (과락 40점 미만 방지) and an overall average of at least 60 points out of 100

Exam / Certification Fees

1st stage KRW 20,000; 2nd stage KRW 33,000

Exam sponsor website

Fees, eligibility, and exam policies can change. Confirm them with the exam sponsor before applying or paying.

Official sources

Our practice resources: topics covered

We aim to reflect publicly available exam outlines and topic information in our study resources. Coverage, format, and difficulty may differ from the actual exam, and we cannot guarantee that every detail is accurate or current. Confirm exam requirements, fees, and policies with the official exam sponsor.

30%

Commercial Act — Insurance Part (상법 보험편)

Examines South Korean statutory foundations under Part IV (Insurance) of the Commercial Act (상법 보험편), covering insurance contract formation and validity, insurable interest (피보험이익), statutory duty of disclosure (고지의무 / Article 651), notice and proof of loss (통지의무), loss prevention and mitigation duty (손해방지의무), insurer subrogation against third parties and subject matter (보험자대위 / Articles 681-682), over-insurance (초과보험), double insurance (중복보험), and statutory prescription periods.

30%

Agricultural & Fishery Disaster Insurance Law & Guidelines (농어업재해보험법령 및 손해평가요령)

Covers statutory provisions under the Agricultural and Fishery Disaster Insurance Act (농어업재해보험법), Enforcement Decree, Enforcement Regulations, and MAFRA Public Notice on Loss Evaluation Guidelines (농림축산식품부 고시 손해평가요령). Key topics include policy deliberative committee functions, insurer qualifications, government premium subsidies and reinsurance funds, Loss Evaluator duties and disqualification criteria, loss evaluation team formation, cross-evaluations, and administrative penalties.

25%

Agronomy Principles — Crop Cultivation & Horticultural Science (농학개론 - 재배학 및 원예작물학)

Encompasses crop physiology and horticultural science fundamentals: crop classification, growth stages, photosynthesis, respiration, transpiration, soil chemistry and nutrient management, meteorological hazards (frost, low-temperature chilling, drought, heavy rainfall, typhoons, lodging, and hail), physiological disorders, and major agricultural crop diseases, weeds, and insect pests.

15%

Disaster Insurance Loss Evaluation Practice (손해평가 실무 - 피해율 산정, 감수량 산출, 실경작 면적 확인)

Focuses on field loss evaluation methodologies and quantitative disaster calculations for agricultural crops (농작물재해보험) and livestock (가축재해보험). Covers actual cultivated area verification (실경작 면적 확인), sample plot yield surveys, fruit drop and tree damage appraisals, yield reduction calculations (감수량 산출), uncompensated reduction rate determination (미보상감수량), and final insurance indemnity calculations.

Preparing for the Agricultural Disaster Loss Evaluator (손해평가사) Exam

What You Need to Know

Passing score: 1st stage at least 40 points in each subject (과락 40점 미만 방지) and an overall average of at least 60 points out of 100
Assessment: Official format: 1st stage 75 objective items across 3 subjects (25 items each, total 90 minutes); 2nd stage 20 short-answer and descriptive items across 2 subjects (10 items each, 120 minutes). 1st stage subjects (25 items each): (1) Agricultural & Fishery Disaster Insurance Law and the Commercial Act Insurance Part (농어업재해보험법령 [법·시행령·손해평가요령] 및 「상법」 보험편), (2) Agronomy Principles — Crop Cultivation Science and Animal Husbandry (농학개론 중 재배학 및 가축사양학), (3) Crop Science — Food Crop Science and Horticultural Crop Science (작물학개론 중 식량작물학 및 원예작물학). 2nd stage subjects (10 items each): (1) Theory and Practice of Crop and Livestock Disaster Insurance (농작물재해보험 및 가축재해보험의 이론과 실무), (2) Theory and Practice of Crop and Livestock Disaster Insurance Loss Evaluation (농작물재해보험 및 가축재해보험 손해평가의 이론과 실무).
Time limit: 90 minutes (1st stage)
Exam / certification fees: 1st stage KRW 20,000; 2nd stage KRW 33,000 Official sources

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Agricultural Disaster Loss Evaluator (손해평가사): Suggested Study Strategy

1Master the Statutory Duty of Disclosure (상법 제651조 고지의무): Memorize the critical elements — material facts (중요한 사항), the policyholder's intentional malice or gross negligence (고의 또는 중대한 과실), the insurer's rescission window (within 1 month of learning the fact and within 3 years of contract formation), and causation burden of proof.

2Understand Insurable Interest and Subrogation (상법 제668조 및 제682조): Differentiate between subject-matter subrogation (보험목적에 대한 대위) upon total loss payment and third-party subrogation (제3자에 대한 대위), noting that the insurer's subrogation rights are capped by the actual indemnity paid.

3Memorize Agricultural Disaster Insurance Law (농어업재해보험법) Institutions: Understand the composition and responsibilities of the Agricultural and Fishery Disaster Insurance Policy Deliberative Committee (농어업재해보험심의회), the requirements for designated insurers (재해보험사업자), government premium support subsidies (50% standard national co-funding), and the Reinsurance Fund (재보험기금).

4Learn the Loss Evaluation Guidelines (손해평가요령 고시): Know the strict composition of loss evaluation teams (1 to 5 members including at least one certified 손해평가사, 손해사정사, or 손해평가인), prohibitions on self-evaluation (배제사유 - family members, own crops, contracts solicited), and cross-evaluation (교차평가) rules.

5Master Agronomy & Horticultural Science Essentials: Study crop growth stages, temperature stress (냉해, 동해, 상해), typhoon wind lodging and defoliation, flood asphyxiation, hail impact, and key crop diseases (벼 도열병, 흰잎마름병, 벼멸구, 고추 탄저병, 역병) and physiological disorders.

6Practice Yield Loss and Indemnity Calculations: Be thoroughly fluent in the standard yield reduction formula: Damage Rate = (Standard Yield - Surveyed Harvest Yield - Uncompensated Yield Reduction) / Standard Yield [피해율 = (평년수확량 - 조사수확량 - 미보상감수량) / 평년수확량], and Indemnity = Sum Insured × (Damage Rate - Deductible Ratio) [보험금 = 보험가입금액 × (피해율 - 자기부담비율)].

Frequently Asked Questions

What is the Korea Agricultural Disaster Loss Evaluator (손해평가사) qualification and who administers it?

The Korea Agricultural Disaster Loss Evaluator (손해평가사) is a national professional qualification established under Article 11 of South Korea's Agricultural and Fishery Disaster Insurance Act (농어업재해보험법). Supervised by the Ministry of Agriculture, Food and Rural Affairs (농림축산식품부) and the Agricultural Policy Insurance & Finance Service (농업정책보험금융원 / APIFS), the official examination is administered by the Human Resources Development Service of Korea (한국산업인력공단 / HRD Korea via Q-Net). Loss Evaluators are legally certified to conduct on-site investigations of agricultural and livestock disaster events, verify cultivated area, calculate damage rates (피해율) and yield reductions (감수량), and assess insurance indemnities.

What is the official examination format, time limit, and passing score?

The official qualification consists of two stages: Stage 1 comprises 75 objective items across 3 subjects (25 items each, 90 minutes total). Stage 2 comprises 20 short-answer and descriptive items across 2 subjects (10 items each, 120 minutes total). To pass the 1st stage, candidates must score at least 40 points in each subject (과락 40점 미만 방지) and achieve an overall arithmetic average of at least 60 points out of 100.

What are the eligibility criteria and examination fees?

There are no restrictions on age, academic degree, or nationality for taking the 1st stage examination. The official examination fees set by HRD Korea are KRW 20,000 for the 1st stage examination and KRW 33,000 for the 2nd stage examination. Candidates whose Loss Evaluator qualification was revoked within the past 3 years or who were disqualified for examination misconduct within the past 2 years are legally barred from taking the exam.

What is the retake policy and Stage 1 passing exemption?

Under the Agricultural and Fishery Disaster Insurance Act, candidates who achieve a passing score in the 1st stage examination are granted a statutory exemption from retaking the 1st stage in the immediately following consecutive examination year (1-year Stage 1 exemption). This grants candidates two attempts to pass the rigorous 2nd stage practical calculation and subjective exam.

What core disaster calculation and agronomic topics are tested?

The examination tests both theoretical and quantitative competencies: insurance contract principles and disclosure rules under the Commercial Act Insurance Part (상법 보험편); regulatory provisions under the Agricultural and Fishery Disaster Insurance Act (농어업재해보험법) and Loss Evaluation Guidelines (손해평가요령); agronomic concepts such as crop physiology, weather-induced lodging, frost damage, and disease-pest pathology under Agronomy Principles (농학개론 - 재배학 및 원예작물학); and practical calculations including actual cultivated acreage verification, yield loss rate (피해율 = [평년수확량 - 수확량 - 미보상감수량] / 평년수확량), and indemnity calculations (보험금 = 보험가입금액 × [피해율 - 자기부담비율]).

Is this OpenExamPrep practice bank an official test or translation?

No. This module is an independent English-language MCQ study adaptation by OpenExamPrep, not an official translation or format simulation. The official examination is administered exclusively in the Korean language by HRD Korea (한국산업인력공단 / Q-Net) under the authority of the Ministry of Agriculture, Food and Rural Affairs (농림축산식품부). OpenExamPrep provides this independent study bank to assist bilingual learners, agricultural risk professionals, and insurance students in mastering Korean disaster insurance laws, agronomy principles, and loss appraisal methodologies.