IC38 -English New Syllabus IC38 Mock Test-44
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 purpose of the Employees' State Insurance Scheme?
To provide health insurance for government employees
To provide health insurance for all Indian citizens
To provide comprehensive health services for blue-collar workers in the formal private sector
To provide financial assistance for medical expenses
Correct Answer
Wrong Answer
2. What is the secret of reaching the top and staying there in the insurance industry according to leading sales producers?
Offering the lowest premiums
Building a large network of agents
Getting the patronage and support of a large number of existing clients
Developing new products frequently
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3. What rebate may be offered by life insurance companies for the mode of premium?
I. Rebate for annual and half yearly premium modes
II. Rebate for policy duration
III. Rebate for age of the insured
IV. Rebate for policy type
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Wrong Answer
4. When are the expenses payable under the policy?
At the time of hospital admission
After the policy provisions come into force
After the insured is discharged from the hospital
Upon submitting a claim form
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Wrong Answer
5. Which commission has the jurisdiction to entertain complaints where the value of goods or services exceeds Rs.10 crore?
National Consumer Disputes Redressal Commission
State Consumer Disputes Redressal Commission
District Consumer Disputes Redressal Commission
None of the above
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6. Which of the following is NOT a requirement for availing Home Care Treatment Expenses?
Continuous monitoring of health status by a medical practitioner
Records of treatment administered
Completion of 30 days of hospitalization prior to home care treatment
Advice from the Medical practitioner to undergo home care treatment
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7. Who are the providers of healthcare services in the private sector?
Only for-profit corporate entities
Only voluntary organizations and individuals
Various entities including voluntary organizations, corporate entities, trusts, solo practitioners, diagnostic laboratories, and pharmacy shops
Only the unqualified providers (quacks)
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Wrong Answer
8. Why does one need to save and invest in various financial assets?
To be able to buy a new car
To travel the world and enjoy life
To provide for various needs at different stages of life
To impress others with their wealth
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9. For what specific purposes can the company share the proposer's medical records?
Proposal underwriting and/or claims settlement
Marketing and promotional activities
Public disclosure of medical records
Medical research without consent
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Wrong Answer
10. How does a supplementary cover differ from an indemnity policy?
It offers higher sum insured limits
It covers all types of medical expenses
It provides compensation for incidental expenses
It has more extensive coverage for pre-existing conditions
