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The form will be autosubmitted at end of 60 minutes after page open/refresh. For each of the following multiple choice questions, choose the most appropriate answer : 1. Which of the following diseases is excluded during the first year of operation of Mediclaim policy? A. Bronchitis B. Diabetes C. Hernia D. Chronic Nephritis 2. Which of the following diseases is excluded under Domiciliary Hospitalisation benefit? A. Tonsilitis B. Sinusitis C. Cataract D. Hernia 3. Which of the following diseases is excluded under Hospitalisation Section of Tribal Package insurance? A. Tuberculosis B. Leprosy C. Cancer D. None of these 4. Which of the following diseases is not excluded during the first year of operation of Mediclaim policy? A. Epilepsy B. Cataract C. Hernia D. Piles 5. Which of the following documents has/have to be stamped as per Indian Stamp Act? A. Endorsement on a fire policy increasing the sum insured. B. Marine open cover for export shipments C. Both these D. Neither of these 6. Which of the following documents is not required for processing private car 'Own Damage' claims? A. Driving licence B. Registration Certificate book C. Fitness Certificate D. Final Bill from repairers 7. Which of the following documents is not required under Road Transit Claims? A. Original policy B. Consignment note C. Letter of subrogation (stampe. D. Special Power of Attorney (stamped) 8. Which of the following documents is not required under particular average claims? A. Policy B. Bill of lading C. Survey report D. General Average statement 9. Which of the following documents is required to support Motor 'No-fault' liability third party claims? A. Death Certificate B. Medical Certificate C. Police Report D. All three 10. Which of the following does not affect the amount of loss payable under the policy? A. Breach of utmost good faith B. Salvage C. Pro-rata average D. 'Excess' clause 11. Which of the following does not appear in the indemnity clause of Workmen's Compensation insurance? A. Employees State Insurance Act B. Workmen's Compensation Act C. Fatal Accidents Act D. Common Law 12. Which of the following does not attract additional premium under motor policies? A. CNG/LPG fuel kit B. Anti-theft devices C. Fibre glass fuel tanks D. Electronic items fitted to the vehicle but not included in manufacturer's price 13. Which of the following does not fall under 'miscellaneous' classification of motor vehicles? A. Ambulance B. Mobile dispensaries C. Motorised rickshaws; D. Cinema, Film Recording vans 14. Which of the following ensure(s) that the amount of claim payable is less than the actual amount of loss? A. pro-rata average + B. 'excess' limit C. salvage D. All these 15. Which of the following exclusions does not appear in Own Damage Section of private car package policy? A. mechanical breakdown B. wear and tear C. electrical breakdown D. malicious damage 16. Which of the following exclusions does not appear under ICC(A) clause? A. inadequate packing B. inherent vice C. malicious damage D. loss by delay 17. Which of the following exclusions does not apply under products liability policy? A. Pollution B. Costs of repair of a defective product C. Costs of recall of any product D. Product guarantee 18. Which of the following exclusions of Industrial Risks Public Liability policy can be covered under a separate policy? A. Liability for pollution B. Liability of collaborator who has a technical collaboration with the insured C. Liability for injuries to employees D. Liability arising out of earthquake 19. Which of the following expenses does not fall under Sue and Labour charges? A. landing charges B. warehousing charges C. reconditioning charges D. Loss Surveyor's fees 20. Which of the following extensions is not granted under Workmen's Compensation policy? A. specified diseases in the Workmen's Compensation Act B. medical expenses C. technical collaboration D. contractor's workmen 21. Which of the following extensions of cover are relevant to public liability policy for hotels? A. Pollution B. Food and Beverages C. Property, in the custody of the Insured D. All these 22. Which of the following extraneous risks can be added under ICC(B) clauses on payment of extra premium? A. Heating B. Sweating C. Breakage D. All these 23. Which of the following falls under 'Extraneous Risks'? A. Fresh water damage B. Breakage C. Leakage D. All these 24. Which of the following falls under 'Extraneous Risks'? A. volcanic eruption B. lightning C. earthquake D. rain water damage 25. Which of the following falls under Industrial Risks for the purpose of public liability insurance? A. Exhibitions B. Permanent Amusement parks C. Film studios D. None of these 26. Which of the following falls under marine cargo insurance? A. export shipments B. import shipments C. rail/road consignments D. All the above 27. Which of the following is an evidence of insurance contract : A. Payment of premium B. Acceptance of proposal C. Insurers' Prospectus D. Insurance Policy 28. Which of the following is collected from the insured by insurers before the payment of total loss? A. Registration and Taxation books B. Ignition keys C. Blank T.O. and T.T.O. forms duly signed by the insured D. All these 29. Which of the following is correct in relation to fire reinstatement value policy? A. Depreciation applies to claims B. Pro-rata average applies C. Both are true D. Both are false 30. Which of the following is covered by extra premium under cattle policy? A. Riot and Strike B. Surgical operations C. Famine D. Permanent total disability 31. Which of the following is covered under Baggage insurance policy? A. travelling salesman's samples B. travelling dealers' stocks C. accompanied baggage D. unaccompanied baggage 32. Which of the following is covered under Institute Cargo Clauses (C)? A. fire B. explosion C. derailment of land conveyance D. All these 33. Which of the following is covered under Maternity Benefit extension? A. pre-natal expenses B. post-natal expenses C. expenses for voluntary medical termination of pregnancy D. none is covered 34. Which of the following is covered under Sheep & Goat insurance? A. Indigenous animals B. Cross-breed animals C. Exotic animals D. All these 35. Which of the following is covered under fire policy at extra premium? A. Impact damage B. Bush fire C. Forest fire D. Subsidence 36. Which of the following is covered under money insurance policy. A. wages in transit from the bank to insured premises. B. other money in transit from the bank to insured premises C. money collected by outdoor employees and in transit to the bank D. All these 37. Which of the following is covered under private car package policy? A. transit of the insured vehicle by road B. transit of the insured vehicle by rail C. transit of the insured vehicle by air D. All these 38. Which of the following is eligible for group personal accident insurance be granted? A. members of a registered cooperative society B. employees of a company C. holders of deposit certificates issued by banks D. All these 39. Which of the following is generally not covered under Personal accident insurance. A. Permanent Total Disablement B. Permanent Partial Disablement C. Temporary Total Disablement D. Temporary Partial Disablement 40. Which of the following is not a contract of indemnity in the strict sense? A. Mediclaim insurance B. Personal accident insurance C. Fidelity guarantee D. Burglary insurance 41. Which of the following is not a function of a direct broker as per IRDA Regulations? A. advise clients on appropriate cover and terms B. submit insurers premium quotation to client C. pay premium to insurers on behalf of client D. assist in negotiation of claims 42. Which of the following is not a rating factor for 'Own Damage' cover for taxies? A. Age of vehicle B. Cubic capacity C. Geographical zone D. Insured's Declared Value of vehicle 43. Which of the following is not a rating factor for private cars (Own Damage)? A. Insured's Declared Value of Vehicle B. Cubic capacity C. Passenger capacity D. Geographical zone 44. Which of the following is not a standing charge under Consequential loss (fire) policy? A. Salaries B. Office expenses C. Cost of stationery D. Cost of raw materials 45. Which of the following is not an exclusion under cattle policy? A. Theft of the animal B. Clandestine sale of the animal C. Transport by air D. Surgical operations 46. Which of the following is not available under Group Mediclaim policy? A. No claim bonus B. Group discount C. Cumulative bonus D. Maternity extension 47. Which of the following is not considered as permanent total disablement? A. Loss of both eyes B. Loss of hearing in both ears C. Paralysis D. Loss of one limb and one eye 48. Which of the following is not covered Under private car package policy? A. self-ignition B. earthquake C. terrorist act D. all are covered 49. Which of the following is not covered under Boiler and Pressure Plant policy? A. Damage to boiler B. Damage to surrounding Property of insured C. Damage by fire D. Damage to third party property 50. Which of the following is not covered under Burglary (Business Premises) policy? A. Theft after forcible entry B. Damage to insured goods by burglars C. Damage to Premises by burglars D. Breakage of windows by burglars | |