IC38 - HEALTH INSURANCE AGENT EXAM - 09

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Q1.Applications from legal heirs of the deceased insured for transfer of the policy to their name should be accompanied by documents. Which of the following is not required?
   a) Original policy
   b) Post-mortem report
   c) Death Certificate
   d) Proof of title to the vehicle
 
Q2.Which of the following is a classification of Commercial Vehicles?
   a) Private Covers
   b) Package Policy
   c) Fire Risk
   d) Goods Carrying Vehicles
 
Q3.Mr. Pinto contracted pneumonia as a result of lying on the wet ground after a horse-riding accident. Pneumonia resulted in the death of Mr. Pinto. What is the proximate cause of the death?
   a) Pneumonia
   b) Horse
   c) Horse riding accident
   d) Bad luck
 
Q 4.A Statement, made during Negotiation of a Contract of Insurance, is called ___.
   a) Declaration
   b) Affidavit
   c) Representation
   d) Agreement
 
Q5.As per the IRDA definition, what is the maximum waiting period for covering pre-existing diseases?
   a) 1 year
   b) 24 months
   c) 36 months
   d) 48 months
 
Q6.Which One of the Following Acts, has the Provisions for Monitoring and Control of Operations of Insurance Companies?
   a) Insurance Regulatory and Development Authority (I.R.D.A.) Act, 1999.
   b) Deposit Insurance and Credit Guarantee Corporation Act, 1961.
   c) Public Liability Insurance Act, 1991.
   d) Insurance Act, 1938.
 
Q7.Which One of the Following acts, are not covered under the Bankers' Indemnity Insurance?
   a) Dis-Honest Employees
   b) Forgery of Receipts
   c) Cash-Theft
   d) Market-Inflation
 
Q8.Insurable Interest is not always required at the time of taking the policy.
   a) Fire insurance
   b) Marine hull insurance
   c) Marine cargo insurance
   d) Burglary insurance
 
Q9.Which one of the following is not one of the prime hazards an Underwriter looks at?
   a) Financial
   b) Moral
   c) Risk
   d) Physical
 
Q10.Fire Insurance Policy does not cover damage to property even as add-on cover due to_____.
   a) Floods
   b) Earthquake
   c) Fire
   d) Bombing due to war

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