IC22 Mock Test Sample 7
These questions highlight key IC22 concepts in underwriting, medical science, and reinsurance. The sympathetic nervous system increases heart rate during fear. Chronic kidney disease underwriting considers GFR, treatment history, and causes. Medical reports often take the longest time in underwriting. Underwriting authorities handle risk decisions. The thyroid is located in the front of the neck. The autonomic nervous system controls involuntary functions. Nephrons are kidney filtering units. Reinsurance originated in marine insurance. The small intestine is the longest digestive part. Ureter connects kidney to bladder. Critical illness benefits are paid on diagnosis. Decentralized underwriting happens at branch/regional offices. Favorable factors reduce risk through credit rating adjustments.
1. When an individual is frightened, which system increases heartbeat?
a) Parasympathetic nervous system
b) Sympathetic nervous system
c) Central nervous system
d) Sensory nervous system
e) None
2. Factors considered in chronic kidney disease underwriting
a) Creatinine clearance
b) Treatment history
c) Blood profile (GFR)
d) Underlying causes
e) All the above
3. Longest part of life insurance application process
a) Obtaining medical reports
b) Risk classification
c) Communicating decision
d) Refund of deposit
e) Policy issuance
4. Who underwrites medical and non-medical proposals?
a) Underwriting authorities
b) Underwriting support team
c) Medical director
d) Core underwriting team
e) Third party administrators
5. Thyroid gland is located in
a) Upper front of neck (windpipe)
b) Lower front of neck
c) Lower back of neck
d) Upper back of neck
e) Middle of neck
6. Autonomic nervous system controls
a) Internal organs
b) Cardiac muscles
c) Blood vessels
d) Smooth muscles
e) All the above
7. Reinsurer that cedes risk further is called
a) Retrocessionaire
b) Retrocedent
c) Introcessionaire
d) Retrocession
e) Introcedent
8. Cardiovascular system includes
a) Heart
b) Lungs
c) Blood vessels
d) Both (a) & (b)
e) All the above
9. Filtering unit of kidney
a) Ureter
b) Nephron
c) Artery
d) Blood vessels
e) Renal pelvis
10. Reinsurance originated from
a) Aviation insurance
b) Guarantee insurance
c) Property insurance
d) Marine insurance
e) Life insurance
11. Longest part of digestive tract
a) Small intestine
b) Gall bladder
c) Liver
d) Pancreas
e) Large intestine
12. Not a salivary gland
a) Sub-mandibular
b) Sublingual
c) Pineal gland
d) Parotid
e) None
13. Visual acuity 6/12 means
a) Can see 6.12 meters
b) Can see at 6m what normal sees at 12m
c) Cannot see 6m clearly
d) Can see only near objects
e) None
14. Structure connecting kidney to bladder
a) Renal pelvis
b) Medulla
c) Urethra
d) Ureter
e) Cortex
15. CI rider benefit paid when
a) After treatment
b) On diagnosis
c) On maturity
d) After survival
e) On discharge
16. Decentralized underwriting issuance at
a) Head office
b) Regional office
c) Branch office
d) Any (b) or (c)
e) Any (a) or (c)
17. Not a reinsurer in India
a) Swiss Re
b) Hannover Re
c) D.G.A
d) General Cologne Re
e) R.G.A
18. Favorable factors reduce ______ from base rating
a) Credit rating
b) Debit rating
c) Extra rating
d) Low rating
e) Ordinary rating
19. Not a type of anaemia classification
a) Macrocytic
b) Normocytic
c) Formocytic
d) Microcytic
e) None
20. True statement about backdating policy
a) Cannot go beyond financial year
b) Allowed only if eligible on application date
c) Risk date differs from policy date
d) Interest may be charged
e) All of the above
