IC27 HEALTH INSURANCE EXAM - 09

Que. 1 : Q1) Personal accident policies cover the risk of

   1.  a) unemployment

   2.  b) sickness / illness

   3.  c) accidental injuries

   4.  d) none of the above

Que. 2 : Q2) Which is the most dominated health insurance product in the Indian Market

   1.  a) Hospitalisation Insurance

   2.  b) Overseas Travel Health Insurance

   3.  c) Maternity Insurance

   4.  d) Critical Illness Insurance

Que. 3 : Q3) Rajesh takes a Health Insurance Policy of Rs 4 lacs from Insurance company ABC and has another health policy of Rs 5 lacs from another company ABC. He undergoes Liver Transplantation and the total cost was Rs 4 lacs. Which of the following statements is TRUE?

   1.  a) Rajesh can claim for 4 lakhs from each Insurer

   2.  b) Rajesh cannot make a claim of Rs 4 lakhs from each Insurer

   3.  c) Rajesh will get a total claim of Rs 8 lakh since he has taken two policies

   4.  d) Rajesh will get 5 Lakhs from ABC since this policy has highest Sum Insured

Que. 4 : Q4) What is the main purpose of Fraud?

   1.  a) Financial Gain

   2.  b) Lowering Premiums

   3.  c) Reducing claims

   4.  d) Lowering taxes

Que. 5 : Q5) Which of the following statement is correct with regards to cashless insurance?

   1.  a) All treatments are provided free of cost by the hospital

   2.  b) Payments to the hospital are done by cheques

   3.  c) The policy is given free to the patient

   4.  d) The patient doesnot pay for the treatment