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The first retail health insurance product covering hospitalization costs ___________ was introduced

by the 4 public sector insurers in 1986

Select one:
a. Indemnity covers
b. Jana Arogya
c. Fixed Benefit Covers
d. Mediclaim

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What are the sources of occupational hazards

Select one:
a. Moral Hazard
b. All answers are correct
c. Accident
d. Health Hazard

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Using the conversion option present in a term policy you can convert the same to __________.

Select one:
a. Bank FD
b. Decreasing term policy
c. Whole life policy
d. Mortgage policy

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Which list is maintain by Authority

Select one:
a. Agent List
b. IRDA Agent list
c. ARDAI advisor list
d. Centralised List of Agents

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Which of the below statement is correct with regards to a policy returned by a policyholder during the
free look period?

Select one:
a. The insurance company will refund 100 percent of the premium
b. The insurance company will forfeit the entire premium
c. The insurance company will refund the premium after adjusting for proportionate risk premium for
the period on cover, medical examination expenses and stamp duty charges
d. The insurance company will refund 50 percent of the premium

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The process of setting the premium for life insurance policies involves

Select one:
a. consideration of office expenses, commission & claim amount
b. consideration of Sales & Risk management costs
c. consideration of mortality, interests, expense management and reserves.
d. None of the answer is correct

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An Affidivit by the way of self declaration is the part of _____

Select one:
a. Non Standard Age proof
b. None of the answer is correct
c. Standard Age proof
d. Address Proof

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The designated officer to consider and dispose representation and appeals received from Insurance
Agent

Select one:
a. Appellate Officer
b. Insurance Officer
c. Athorize Officer
d. Gazeted Officer

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_________ refers to the ability to perform the promised service dependably and accurately.

Select one:
a. Reliability
b. Empathy
c. Responsiveness
d. Assurance

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From the below given age proof documents, identify the one which is classified as non-standard by
insurance companies.

Select one:
a. Certificate of baptism
b. Identity card in case of defence personnel
c. School certificate
d. Ration card

[html]In customer relationship the first impression is created:

Select one:
a. By being on time, showing interest and being confident
b. By showing interest
c. By being confident
d. By being on time

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Which of the following claims are easily established?

Select one:
a. Death Claim
b. Rider Claim
c. Maturity & Money Back installments
d. Surrender Value Payments

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Manoj is working as an Insurance Advisor. He had sold an insurance policy to Mr. Verma in year
2009 , unfortunately Mr Verma met with a fatal accident this year and passed away. Manoj came to
know about Mr. Verma's death, What must Manoj do in this situation

Select one:
a. Manoj feels sorry for Mr Verma and remembers the day he first met him
b. Manoj hears the news, feels sorry for a moment and then continues his daily activities
c. Manoj must make a phone call to Mr Vermas family and offer his Condolences
d. Manoj must immediately inform the insurance company about his clien's death and expediate the
process of claim settlement process for Mr. Verma's family.

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For fraud case which amendments is taken place in which year

Select one:
a. 3/1/2015
b. 7/1/2015
c. 1/1/2015
d. 6/1/2016

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In case the policyholder is not satisfied with the policy, he / she can return the policy within the free-
look period i.e. within ________of receiving the policy document.

Select one:
a. 45 days
b. 60 days
c. 30 days
d. 15 days

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Which among the following is not an element of active listening?

Select one:
a. Empathetic listening
b. Responding appropriately
c. Being extremely judgmental
d. Paying good attention

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In decreasing-term insurance, the premiums paid ____________ over time.

Select one:
a. Increase
b. Remain constant
c. Are returned
d. Decrease

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Diseases related to environmental factors

Select one:
a. Malaria and Dengue
b. Influenza and Chickenpox
c. cancer, aids
d. Influenza, Chickenpox, Malaria and Dengue

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Money laundering is the process of bringing _______ money into an economy by hiding its _______
origin so that it appears to be legally acquired.

Select one:
a. Legal, legal
b. Illegal, illegal
c. Illegal, legal
d. Legal, illegal

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What is the relation between investment horizon and returns?

Select one:
a. Greater the investment horizon the smaller the returns
b. Both are not related at all
c. Greater the investment horizon the larger the returns
d. Greater the investment horizon more tax on the returns

Which of the below elements promote trust?

Select one:
a. Affirmation, assertiveness and attraction
b. Attraction, communication and being present
c. Communication, assertiveness and being present
d. Politeness, affirmation and communication

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Within how many days designated officer shall communicate if application for Insrance Agent is
accepted

Select one:
a. Within 15 days of receipt
b. Within 7 days of receipt
c. Within 10 days of receipt
d. Within 21 days of receipt

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Mr A, holds a licence as an Insurance Advisor, what are the points he must always adhere to

Select one:
a. Disclose the commission in respect to the insurance product, if asked by the prospect
b. All answers are correct
c. Disclose his licence to the prospect on demand
d. Explain carefully the requisite information in respect of insurance products offered

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1) In a group health insurance, any of the individual constituting the group could anti-select against
the insurer.2) Group health insurance provides coverage only to employer-employee groups

Select one:
a. Statement 1 and statement 2 are false
b. Statement 2 is true and statement 1 is false
c. Statement 1 is true and statement 2 is false
d. Statement 1 and statement 2 are true

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Which of the below policy can provide protection to home loan borrowers?

Select one:
a. General Insurance
b. Mortgage Redemption Insurance
c. Life Insurance
d. Disability Insurance

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Which of the below will be the most appropriate option for a customer to lodge an insurance policy
related complaint?

Select one:
a. District Court
b. Supreme Court
c. Insurance Ombudsman
d. Police

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Legal entities play a role in the health insurance market are

Select one:
a. All answers are correct
b. civil courts
c. Consumer courts
d. Ombudsman

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Waiting period in a health insurance policy is to address

Select one:
a. Age discrepancy
b. Pre existing illness
c. premium
d. risk

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In which insurance plan only the premiums paid over the term are returned back?

Select one:
a. Return of Premium Plan
b. Unit Linked Insuance Plan
c. Money Back
d. Participating Plans

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Mr X is holding a policy in a life Insurnce Company, He had grievance which he wanted to take to
Ombudsman, from where can he found the address of the nearby Ombudsman office?

Select one:
a. Claim form
b. Proposal Form
c. First premium receipt
d. Policy scheduled

The first retail health insurance product covering hospitalisation costs Mediclaim was introduced by 4
public sector insurer in the year_______

Select one:
a. 1980
b. 1972
c. 1986
d. 1999

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Which of the below statement is true regarding ULIPs?

Select one:
a. ULIPs are bundled products
b. ULIPs are opaque with regards to their term, expenses and savings components
c. Investment risk is borne by the insurer
d. Value of the units is determined by a formula fixed in advance

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A complete insurance planning includes __________

Select one:
a. Health Insurance
b. Life Insurance
c. Asset Insurance
d. All answers are correct

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In case of __________, a company expresses the bonus as a percentage of basic benefit and
already attached bonuses.

Select one:
a. Persistency bonus
b. Terminal bonus
c. Compound bonus
d. Reversionary bonus

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What does unbundling of life insurance products refers to?

Select one:
a. Amalgamation of protection and savings element
b. Correlation of life insurance products with equities
c. Correlation of life insurance products with bonds
d. Separation of the protection and savings element

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Cardio vascular disease refers to the disease which affect

Select one:
a. Kidney and excretory system
b. Stomach, intestine and digestive system
c. Heart and circulatory system(Blood)
d. Lungs and respiratory system

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Mr Jay Singh is 50 years of age and wants a life insurance with high sum assured. Which additional
documents will be required to process the case

Select one:
a. Medical examination Reports
b. Bank Pass Book
c. Property Document
d. Pan Card

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In a standard insurance policy document, the standard provisions section will have information on
which of the below?

Select one:
a. Name of nominee
b. The signature of the authorised signatory and policy stamp
c. The rights and privileges and other conditions, which are applicable under the contract
d. Date of commencement, date of maturity and due date of last premium

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Which of the following statements are true in terms of revival through installments

Select one:
a. Arrears of premium can be calculated as per ordinary revival scheme
b. All answers are correct
c. Policy can not be revived under special revival scheme
d. Policy holder is not in a position to pay arrears of premium in lump sum.

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What is the full form of PMLA

Select one:
a. None of the answer is correct
b. Prevention of money Laundering
c. Premium of money Laundering
d. Protection of money Laundering

Which service indicators are highlighted by the well known model on service quality ( Named
SERVQUAL)

Select one:
a. Reliability and Responsiveness
b. Empathy and Sympathy
c. Reliability and Assurance
d. Reliability/ Responsiveness/ Assurance/ Empathy/ Tangibles

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Rajesh has taken a family floater health insurance policy for Rs 5 Lakh covering himself, his wife,
and his two children.During the policy period he had been hospitalised for heart ailment incurring an
expense of Rs 2 Lakhs. His wife also had been hospitalised for Malaria and was in hospital for a
period of 10 days incurring a hospital bill of Rs 50000.Raghu will be elligible for a reimbursement
from his above policy for a total amount of Rs_______

Select one:
a. Rs 1,75,000
b. Rs 5 Lakh together
c. Rs 2.5 Lakh together
d. Rs 2 Lakh together

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Which of the below is not a factor in determining life insurance premium?
Select one:
a. Mortality
b. Reserves
c. Rebate
d. Management expenses

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Which of the below death claim will be treated as an early death claim?

Select one:
a. If the insured dies within seven years of policy duration
b. If the insured dies within three years of policy duration
c. If the insured dies within five years of policy duration
d. If the insured dies within ten years of policy duration

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Mr. Rahul has recently undergone a surgery in a non-network hospital. How can he settle his claim?

Select one:
a. Cashless
b. Reimbursement
c. TPA
d. Direct Payment

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Which of the below group would not be eligible for a group health insurance policy ?

Select one:
a. Employees of a company
b. Credit card holder of an organisation
c. group of unrelated individuals formed for the purpose of availing group health insurance
d. Professional association member

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Ajit is 35 yrs. old. Working for a mutinational company having annual income of 5 lakh,he can opt for
Sum assured in the range of

Select one:
a. 50 to 60 lakh
b. More than 80 lakh
c. 25 to 30 lakh
d. 70 to 80 lakh

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What is the role of an insurance agent at point of sale

Select one:
a. Thrives on building trust and long term relationships
b. Agent acts like a personal financial planner and Advisor
c. Designer of customised solutions and a relationship builder
d. All answers are correct

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In ULIP, the investment risk is borne by the policyholder/unit holder. The life insurer may bear the

Select one:
a. Mortality Risk alone
b. Insurer dont bear any risk in ULIP
c. mortality and expense risk.
d. Expense Risk alone

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By transferring risk to insurer, it becomes possible ___________.

Select one:
a. To make money from insurance in the event of a loss
b. To ignore the potential risks facing our assets
c. To become careless about our assets
d. To enjoy peace of mind and plan ones business more effectively