IC27 - Health Insurance exam - 2

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Q 2. The benefits of which health insurance are available to Central Government employees working for civil assignments?

Term insurance

ESIS

CGHS

Travel Insurance

Mediclaim

Q 3. Which option got the highest score while taking measures for post-sales dissonance of health insurance? Customer Feedback?

Call recording and quality check on health telesales executives

Process of online customer feedback on the website

Regular health insurance customer satisfaction surveys

Regular assessment of hospitals

Customer complaints/grievance handling system

Q 4. What % of the non-elderly population was covered by the employment-based health benefits system in the USA by the year 2004?

47.50%

50%

62%

76%

81.50%

Q 5. The health insurance premium is collected from employees as payroll tax in ________.

USA

Germany

India

France

Newzealand

Q 6. In ___________contracts, the Principle of Utmost Good faith is followed.

Health insurance contracts

Purchase contracts

Management contracts

Virtual contracts

Q 7. In the common measures taken by the companies for maintaining best practices, _____ was ranked second.

Product brochure showing coverage and exclusions

Assessment of hospitals

Regular satisfaction survey

A welcome call explaining the details to the customer

Details on the company website

Q 8. Which of these expenses are covered under health insurance? 1. Visitors charges paid to hospital 2. Traveling charges to and from home 3. The attendant's food expenses

Only 2 and 3 are covered

Only 1 and 3 are covered

Only 1 and 2 are covered

All three are covered

All three are not covered

Q 9. Ms. Surekha purchased Health Benefits Insurance. She later contracted dengue and was hospitalized for some days. The hospitalization expenses were Rs 14000. The policy had coverage for dengue for Rs 20000. Of what amount of reimbursement will Ms. Surekha get?

Rs 6000

Rs 14000

Rs 20000

Rs 34000

NIL

Q 10. ____________ ministry regulates the Nutrition Support Program.

Ministry of Social Welfare

Ministry of rural and urban development

Ministry of labour

Ministry of women and child development

Ministry of Family Welfare

Q 11. Name the regulation that ensures that the insurance companies stay solvent and their accounting statements are true and fair.

Management regulations

Licensing and registration

Statutory base

Financial regulations

Product regulation

Q 12. While completing the process of buying a medical health policy, Mr. Shah sent Mr. Mehta to his place for a medical examination. What type of fraud has been committed?

Impersonation

Cash defalcation

Substitution

Disclosure of material information at the medical stage

Provide the erroneous address to claim benefit

Q 13. How is the authenticity of the address and the presence of any bogus customers done?

By doing fraud investigations

By keeping comprehensive claims information

By training and communications

By making a Welcome call

Doctor seeding

Q 14. What is the reason for which the regulators can impose requirements like guaranteed issues or variants thereof for some or all products in the market?

To maintain portability across insurers

To maintain and addition of definitions and terms

To put caps on waiting periods and cost-sharing provisions

To ensure that insurers cannot arbitrarily decline renewals or cancel policies

To protect the access rights of consumers

Q 15. Prakash has a health insurance policy and also a personal accident policy. What main section(s) of the insurance market do these products normally fall into?

Life insurance in both cases

Non-life insurance in both cases

Non-life insurance for health and life insurance for personal accident

Life insurance for health and non-life insurance for personal accident

Life insurance for health and non-life insurance for personal accident or life insurance in both cases



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