What is codeword of Champions of Krynn "Encounters" heading, its not a encounter,npc`s or an)? Game always throws me out ,when i try to save the game?

A google search tells me the word you're looking for is either:

Rule Book, Word 1, Page 9, Encounters Heading: When
Rule Book, Word 8, Page 9, Encounters Heading: NPCs

According to another user, there should be a file called "codes.pdf" in the game folder which will also give you all the answers (I don't own this game on GOG so I can't verify):
https://www.gog.com/forum/dungeons_dragons_krynn_series/in_champions_of_krynn_i_get_the_copy_protect_questions_which_i_cant_answer_and_the_game_crashes_rig/post6.

consider it verifried i have the codes.pdf file in my install directory, with the codes. they worked for me