IC38 -English New Syllabus IC38 Mock Test-16
IC38 English Mock Test helps you prepare for the essential IRDAI IC38 exam to become an insurance agent. It covers insurance principles, regulations, claims, ethics, and sales techniques. Understand the exam pattern, boost your confidence and achieve success with our mock tests. Practice well and pass the exam on your first attempt!
1. What is the role of complaints/grievances in building goodwill and business for an insurance agent?
They have no role
They help in reducing customer loyalty
They are the pillars on which an insurance agent builds goodwill and business
They have a negative impact on the company's image
Correct Answer
Wrong Answer
2. What may be required if the medical history provided in the proposal is not satisfactory?
A medical report from the insured's previous doctor
Additional information obtained from the insured's family members
An additional questionnaire to gather more information from the prospective client
The insured's consent to undergo experimental treatments
Correct Answer
Wrong Answer
3. What types of treatments are covered under Arogya Sanjeevani Insurance Policy with a 50% capping?
Traditional and alternative therapies
Specialized surgeries and emergency procedures
Modern-day treatment and stem cell therapy
Experimental treatments and clinical trials
Correct Answer
Wrong Answer
4. Where are primary healthcare centers typically located?
Only in urban areas with large populations
Exclusively in government hospitals and clinics
In both rural and urban areas, including villages
Near specialized hospitals and medical colleges
Correct Answer
Wrong Answer
5. Which of the following factors does not influence the discount on premium in group policies?
Age of the group members
Claims experience of the group
Type of group owner
Size of the group
Correct Answer
Wrong Answer
6. Which statement is True regarding group health insurance and anti-selection?
Statement 1 is True and statement 2 is False
Statement 2 is True and statement 1 is False
Both statement 1 and statement 2 are True
Both statement 1 and statement 2 are False
Correct Answer
Wrong Answer
7. Whose responsibility is it to ensure the cover note is issued to the insured?
The insured
The agent
The company
The underwriter
Correct Answer
Wrong Answer
8. Can a life insurance policy be assigned partially?
Yes, a life insurance policy can be assigned wholly or partially.
No, a life insurance policy can only be assigned in its entirety.
Partial assignment is only possible with the consent of the insurer.
Partial assignment is not allowed by law.
Correct Answer
Wrong Answer
9. How do most insurance products in the market package coverage?
They provide coverage for accidents only, excluding sickness benefits.
They offer a single cover for all possible risks and events.
They combine a variety of covers within a single product.
They provide separate policies for accident benefits and sickness benefits.
Correct Answer
Wrong Answer
10. How is the hospital daily cash policy available to customers?
Only as an add-on cover to a regular indemnity policy
Only as a standalone policy
Both as a standalone policy and as an add-on cover
Only through employer-provided health insurance
