IC38 Introduction to Health Insurance MCQs (30 Questions with Answers & Explanations)

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Practice IC38 Introduction to Health Insurance MCQs with answers and explanations. Covers healthcare, levels of care, insurance evolution, and market concepts.

IC38 Introduction to Health Insurance MCQs

1. Health is defined as:

A. Absence of disease
B. Physical fitness only
C. Complete physical, mental and social well-being
D. Ability to work

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Answer: C
Explanation: Health includes overall well-being, not just absence of illness.

2. Which factor is under individual control?

A. Climate
B. Pollution
C. Exercise
D. Geography

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Answer: C
Explanation: Lifestyle factors like exercise are controllable.

3. Environmental factor affecting health is:

A. Diet
B. Hygiene
C. Genes
D. Age

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Answer: B
Explanation: Hygiene and sanitation affect environment-related health.

4. Genetic factors refer to:

A. Lifestyle
B. Environment
C. Hereditary traits
D. Income

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Answer: C
Explanation: Genetic traits are inherited from parents.

5. Primary healthcare is:

A. Advanced treatment
B. First level care
C. ICU treatment
D. Specialist care

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Answer: B
Explanation: It is the first point of contact.

6. Secondary healthcare includes:

A. Home treatment
B. Specialist treatment
C. Self-care
D. Preventive care

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Answer: B
Explanation: Secondary care involves specialists.

7. Tertiary healthcare includes:

A. Fever treatment
B. Vaccination
C. Organ transplant
D. Basic diagnosis

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Answer: C
Explanation: Tertiary care involves advanced procedures.

8. Healthcare services aim to:

A. Increase cost
B. Promote health
C. Increase risk
D. Avoid treatment

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Answer: B
Explanation: Healthcare improves and maintains health.

9. Which is NOT a level of healthcare?

A. Primary
B. Secondary
C. Tertiary
D. Financial

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Answer: D
Explanation: Financial is not a healthcare level.

10. ESI scheme started in:

A. 1954
B. 1986
C. 1948
D. 2000

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Answer: C
Explanation: ESI Act was introduced in 1948.

11. CGHS was introduced in:

A. 1948
B. 1954
C. 1986
D. 2001

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Answer: B
Explanation: CGHS started in 1954.

12. Mediclaim policy was introduced in:

A. 1986
B. 2000
C. 1954
D. 1948

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Answer: A
Explanation: First standardized product launched in 1986.

13. Insurance protects against:

A. Profit
B. Loss
C. Income
D. Savings

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Answer: B
Explanation: Insurance covers financial loss.

14. TPA is registered with:

A. RBI
B. SEBI
C. IRDAI
D. NABARD

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Answer: C
Explanation: TPAs are regulated by IRDAI.

15. TPA provides:

A. Investment
B. Claim services
C. Loan
D. Savings

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Answer: B
Explanation: TPAs assist in claims processing.

16. Healthcare system should be:

A. Expensive
B. Limited
C. Accessible
D. Rare

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Answer: C
Explanation: Accessibility is essential.

17. Which is a healthcare provider?

A. Bank
B. Hospital
C. Stock exchange
D. School

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Answer: B
Explanation: Hospitals provide healthcare services.

18. Insurance companies provide:

A. Treatment
B. Financial coverage
C. Medicines
D. Diagnosis

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Answer: B
Explanation: Insurers provide financial protection.

19. Intermediaries include:

A. Doctors
B. Brokers
C. Patients
D. Nurses

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Answer: B
Explanation: Brokers act as intermediaries.

20. Lifestyle diseases are caused by:

A. Environment only
B. Habits
C. Genetics only
D. Weather

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Answer: B
Explanation: Lifestyle habits influence health.

21. Example of environmental disease:

A. Diabetes
B. Dengue
C. Cancer
D. Hypertension

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Answer: B
Explanation: Dengue spreads due to environment.

22. Healthcare includes:

A. Only treatment
B. Only prevention
C. Promotion and treatment
D. Only diagnosis

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Answer: C
Explanation: Healthcare covers all aspects.

23. Insurance reduces:

A. Risk occurrence
B. Financial impact
C. Disease
D. Pollution

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Answer: B
Explanation: It reduces financial burden.

24. Primary care is usually:

A. Expensive
B. Specialized
C. Basic
D. Rare

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Answer: C
Explanation: Primary care is basic treatment.

25. Tertiary care is:

A. Basic
B. Specialized
C. Preventive
D. Home care

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Answer: B
Explanation: Tertiary care is advanced.

26. Insurance market includes:

A. Only insurers
B. Only hospitals
C. Multiple players
D. Only agents

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Answer: C
Explanation: It includes providers, insurers, intermediaries.

27. Example of intermediary:

A. Doctor
B. Agent
C. Patient
D. Nurse

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Answer: B
Explanation: Agents act as intermediaries.

28. Health affects:

A. Only individuals
B. Economy
C. Only hospitals
D. Only insurers

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Answer: B
Explanation: Health impacts economic growth.

29. Health is important for:

A. Loss
B. Growth
C. Risk
D. Expense

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Answer: B
Explanation: Healthy population supports growth.

30. Insurance provides:

A. Profit
B. Security
C. Loss
D. Risk

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Answer: B
Explanation: Insurance gives financial security.

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