IC22 Mock Test Sample 4
These questions cover important IC22 concepts related to medical science and underwriting. The cerebellum controls balance and posture, not thought or memory. Ketoacidosis is a serious complication of Type 1 diabetes. Persistent high proteinuria indicates kidney issues. Judgment method is rarely used due to subjectivity and misuse risk. Obesity represents increasing extra risk. Avocation risks exclude personal factors like age and health. Reinsurance reduces insurer’s financial burden. Normocytic anemia is linked to chronic diseases. Hypothyroidism means underactive thyroid. Platelets help in clotting. COPD includes chronic bronchitis and emphysema. Underwriting mainly assesses risk. Parasympathetic nervous system restores calm after stress.
1. Which of the following is NOT a major function of cerebellum?
a) Posture and balance of limbs
b) Eye movement
c) Thought/memory
d) Balance of trunk
e) None of the above
2. Severe condition caused by lack of insulin in Type 1 diabetes
a) Ketoacidosis
b) Hypoglycemia
c) Retinopathy
d) Gestational diabetes
e) Fungal infections
3. Important consideration for proteinuria in healthy kidney
a) Occurs only during urine infection
b) Occurs after strenuous exercise
c) Present at high level
d) Absent in morning but later in day
e) Occurs with fever
4. Why judgment method is rarely used?
a) Based on personal experience
b) May lead to misuse
c) Not effective due to lack of guidelines
d) Strict guidelines cause rejection
e) Both (a) & (b)
5. Obese person risk type
a) Decreasing extra risk
b) Attracting extra risk
c) Alerting extra risk
d) Increasing extra risk
e) Constant extra risk
6. NOT an avocation risk factor
a) Severe climate
b) Age and health
c) Location
d) Training/expertise
e) Frequent participation
7. NOT a Merchant Navy department
a) Medical
b) General
c) Legal
d) Service
e) Engineering
8. ______ minimize financial impact of claims
a) Reinsurance
b) Financial stability
c) High premium
d) Expertise underwriting
e) Exclusions
9. Causes of normocytic anaemia
a) Chronic blood loss & iron deficiency
b) Thalassemia
c) Chronic disease & bone marrow disorders
d) Vitamin B12 deficiency
e) Both (a) & (c)
10. Statement NOT justifying CI vs Health insurance difference
a) CI long term vs health yearly
b) CI survival period clause
c) CI ends after payout
d) CI pays lump sum vs hospitalization
e) All are true
11. Decreased RBC production
a) Aplastic anemia, folate deficiency
b) Vitamin B12 & iron deficiency
c) Haemorrhoids
d) Leukemia, lymphoma, myeloma
e) Both (a) & (c)
12. Hypothyroidism means thyroid
a) Under-activity
b) Abnormal growth
c) Over-activity
d) Overall activity
e) Normal activity
13. Pilot training hours required
a) 150
b) 180
c) 200
d) 220
e) 250
14. Backdating allowed in India
a) Start of current FY
b) Start of last FY
c) Max 2 months
d) Max 2 years
e) Not allowed
15. Blood clotting component
a) Plasma
b) Platelets
c) Hormones
d) Blood cells
e) Chemicals
16. Fibrous tissue around kidney
a) Glomerulus
b) Cortex
c) Medulla
d) Renal pyramid
e) Renal sinus
17. Suitable backdate for Rajiv Mathur case
a) 1 April 2020
b) 1 April 2019
c) 31 March 2020
d) 1 January 2020
e) None
18. COPD includes
a) Acute bronchitis & emphysema
b) Chronic bronchitis & emphysema
c) Chronic bronchitis & TB
d) Acute bronchitis & TB
e) Both (b) & (d)
19. Primary purpose of underwriting
a) Increase premium
b) Assess risk
c) Investment advice
d) Tax calculation
e) Claim payout
20. System that restores body to calm state
a) Sympathetic nervous system
b) Peripheral nervous system
c) Sensory nervous system
d) Parasympathetic nervous system
e) Central nervous system
