IC 38 Insurance Agent Exam (Health) Mock Test 2 (50 Questions)

1. A policyholder hides a pre-existing disease while buying health insurance. Later, hospitalization occurs due to that disease. What will insurer do?

2. A waiting period in health insurance means:

3. A person opts for co-payment clause. This means:

4. Which policy covers family under single sum insured?

5. A disease existing before policy purchase is:

6. A policyholder pays hospital bills and gets reimbursed later. This is:

7. Cashless facility is available at:

8. A person takes health insurance to cover medical expenses. This is:

9. Which document is required for claim?

10. A limit on room rent is an example of:

11. Health insurance guarantees profit to policyholder.

12. A policyholder chooses deductible. This means:

13. Which is covered under health insurance?

14. A claim arises within waiting period. Insurer will:

15. A policyholder renews policy without break. Benefit:

16. Co-payment reduces insurer liability.

17. Which plan covers specific diseases like cancer?

18. A policyholder increases sum insured at renewal. Waiting period:

19. A group health policy is taken by:

20. A policyholder shifts insurer. Benefit retained:

21. Health insurance covers cosmetic surgery always.

22. Which factor affects premium?

23. A person hospitalized for 12 hours (daycare procedure). Covered?

24. Which clause prevents frequent claims?

25. A policyholder receives no claim bonus. This means:

26. Cashless claim requires payment first.

27. Which is NOT covered in health insurance?

28. A claim is processed after documents verification. This ensures:

29. Which entity settles claims?

30. A waiting period reduces:

31. A person buys multiple policies. Claim payment follows:

32. Health insurance is a contract of indemnity.

33. A policyholder delays premium beyond grace period. Policy becomes:

34. Which is a short-term policy?

35. A policyholder pays premium yearly. Coverage is:

36. Which reduces claim amount?

37. A claim is rejected due to false information. Principle:

38. A policyholder uses network hospital. Advantage:

39. Which is NOT a health insurance feature?

40. Premium decreases with age.

41. A policyholder files claim after discharge. This is:

42. Which is part of policy document?

43. A policyholder wants higher coverage at lower cost. Option:

44. Which is not insurable?

45. A claim is settled quickly. This shows:

46. A policyholder informs insurer of changes. This reflects:

47. Which benefit increases with no claim?

48. A policyholder chooses higher deductible. Premium:

49. A claim arises due to excluded condition. Result:

50. Health insurance mainly provides: