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

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

A waiting period in health insurance means:

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

Which policy covers family under single sum insured?

A disease existing before policy purchase is:

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

Cashless facility is available at:

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

Which document is required for claim?

A limit on room rent is an example of:

Health insurance guarantees profit to policyholder.

A policyholder chooses deductible. This means:

Which is covered under health insurance?

A claim arises within waiting period. Insurer will:

A policyholder renews policy without break. Benefit:

Co-payment reduces insurer liability.

Which plan covers specific diseases like cancer?

A policyholder increases sum insured at renewal. Waiting period:

A group health policy is taken by:

A policyholder shifts insurer. Benefit retained:

Health insurance covers cosmetic surgery always.

Which factor affects premium?

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

Which clause prevents frequent claims?

A policyholder receives no claim bonus. This means:

Cashless claim requires payment first.

Which is NOT covered in health insurance?

A claim is processed after documents verification. This ensures:

Which entity settles claims?

A waiting period reduces:

A person buys multiple policies. Claim payment follows:

Health insurance is a contract of indemnity.

A policyholder delays premium beyond grace period. Policy becomes:

Which is a short-term policy?

A policyholder pays premium yearly. Coverage is:

Which reduces claim amount?

A claim is rejected due to false information. Principle:

A policyholder uses network hospital. Advantage:

Which is NOT a health insurance feature?

Premium decreases with age.

A policyholder files claim after discharge. This is:

Which is part of policy document?

A policyholder wants higher coverage at lower cost. Option:

Which is not insurable?

A claim is settled quickly. This shows:

A policyholder informs insurer of changes. This reflects:

Which benefit increases with no claim?

A policyholder chooses higher deductible. Premium:

A claim arises due to excluded condition. Result:

Health insurance mainly provides: