IC27 - Health Insurance exam - 3
IC27 - Health Insurance exam - 3
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Q 1. The public health system exists at the Central, State, and Local levels of the government. There are other stakeholders at the government level, which have a significant impact on the health sector. Which of the following does not have any impact in this regard?
Ministry of Women Child Development
Integrated Child Development Scheme
IRDAI
Ministry of Rural & Urban Development
Ministry of Labour
Q 2. Under health insurance policies, which of the following is an exclusion?
Cost of pacemaker
Cost of haemodialysis
Transplantation
Fertility or associated conception
Maternity
Q 3. Genetic abnormalities can broadly be classified as 1. Acquired 2. Inherited 3. Specific to a particular country
Only statements 2 and 3 are correct
Only statement 1 is correct
Only statements 1 and 3 are correct
Statements 1 and 2 are correct, 3 is incorrect
Statement 1 is correct, but 2 and 3 are incorrect
Q 4. Rajesh has a basic health insurance policy with a sum insured of Rs. 5 lakhs. He has also taken a top-up plan with a sum insured of Rs. 10 lakhs with a threshold limit of 6 lakhs. Calculate the amount of claim payable under the top-up policy, if the hospitalization expenses following an accident are Rs. 7 lakhs.
Rs 500000
Rs 600000
Rs 700000
Rs 100000
Rs 50000
Q 5. The age of the person is a key factor for medical underwriting. Persons falling within the age group of __________ are required to undergo specified medical tests if they are enrolling for the first time. 1. 35-40 years 2. Up to 45 years 3. 45-50 years
Statement 1 is correct and 2 and 3 are incorrect
Statement 3 is correct and 1 and 2 are incorrect
Statements 1 and 3 are correct, 2 is incorrect
Statements 2 are correct and 1 and 3 are incorrect
Statements 1 and 2 are correct, 3 is incorrect
Q 6. Under health insurance, various types of risks are being faced by an insurer. Which is risk associated with business environment risk?
The reinsurers program will become more expensive.
As in any other business with financial dealings, there is a risk of default by business associates like providers, suppliers, etc.
Risk of fraud, risk of not keeping up with technology, risk of losing key human resources, etc.
Reckless underwriting can create adverse environmental risk
Under environmental risk, complex investment products may be very risky
Q 7. Under which of the following form of insurance, the person suffering from diabetes, may not be rated higher or might be considered average cost risk?
Personal accident insurance
Life insurance
Medical insurance
Professional indemnity insurance
Rural insurance
Q 8. Alternate to allopathic treatment, the largest qualified practitioners in India belong to the AYUSH group of practitioners. Estimated how many AYUSH practitioners are practicing in India?
10,25,000
More than 1 crore
Around 75,000
Around 7,20,000
Less than 50,000
Q 9. The most suitable cover with high deductible hospital indemnity cover is most attractive for which of the following persons?
Persons suffering from chronic diseases
Low-income people from rural areas
Senior citizens
Persons with low sum insured in indemnity policies
Persons with high income and high sum insured
Q 10.
Under the numerical rating method, which of the following is the correct statement? 1. If an applicant is suffering from a disease such as high BP, the applicant will get credit 2. If an applicant is suffering from a disease such as high BP, the applicant will get debit points 3. The applicant is assumed to start at a point of 1 under the numerical rating method
Only statement 1 is correct 2 and 3 are incorrect.
Statements 1 & 3 are correct.
None of the statements are correct.
Only statement 2 is correct.
All are correct statements.
Q 12. Critical illness benefit products provide coverage against dreaded diseases such as cancer, kidney failure, etc. The policy provides a lump sum amount to the insured on the diagnosis of such critical illness or on undergoing certain procedures. Which of the following is true under the above statement? 1. The payment is given after the treatment is over 2. The insured is free to use the lump sum payment for any purpose 3. The lump sum amount is paid to the insured on the diagnosis of such critical illness or on undergoing certain procedures
Only statement 1 is true
Statements 1 and 2 are correct
Statements 1 and 3 are correct
Only statements 2 and 3 are correct
All of the three statements are true
Q 13. What do we understand by the term SHI with context to Japan?
Social Health Insurance
Society Health Insurance
Society Managed Health Insurance
Scientific Health Insurance
Systematic Health Insurance
Q 14. NSSO refers to:
National Sample Survey Officer
National Small Survey Office
National Sample Survey Office
National Saving Survey Office
National Sample Saving Office
Q 15. The Central Government Health Scheme (CGHS) was introduced in ______.
2010
1956
1954
1973