IC27 Mock Test Sample 12
Global health insurance systems vary widely in structure and funding. Countries like the U.S. rely heavily on employer-sponsored insurance, while nations like France and Germany combine public systems with private or social insurance models. Government-funded schemes dominate in countries like the UK and Chile, ensuring broader access. Japan and Thailand operate multiple structured schemes targeting different population groups. Rising healthcare costs, especially in developed countries, pose economic challenges. In India, health expenditure remains relatively low as a percentage of GDP. Data systems, underwriting practices, and fraud prevention measures play a crucial role in insurance efficiency, while reinsurance helps insurers manage large-scale risks effectively.
1. What role does add-on private insurance play in France's healthcare system?
a) It is the primary source of financing for healthcare
b) It competes with the public insurance system
c) It pays for procedures and equipment not fully covered by public insurance
d) It is mandatory for all citizens
2. What has been the primary source of health insurance coverage for the majority of the non-elderly adult population in the United States since World War II?
a) Private health insurance companies
b) Medicaid
c) Medicare
d) Employment-based health benefits
3. What percentage of the United States' GDP is accounted for by health costs?
a) 5%
b) 8%
c) 12%
d) 16%
4. What percentage of Japan's health costs were borne by the Government in 2008?
a) 20%
b) 30%
c) 50%
d) 70%
5. What is the main public health insurance system in Chile called?
a) National Health Fund (Fonasa)
b) Health Insurance Institutions (Isapres)
c) Civil Servant Medical Benefits Schemes (CSMBS)
d) Social Security Scheme (SSS)
6. What is the name of the private health insurance system in Chile?
a) National Health Fund (Fonasa)
b) Health Insurance Institutions (Isapres)
c) Civil Servant Medical Benefits Schemes (CSMBS)
d) Social Security Scheme (SSS)
7. Why has employer-sponsored health insurance coverage reduced in the U.S.?
a) Lack of interest in health insurance
b) Decrease in employers offering benefits
c) Rising cost of healthcare benefits relative to income
d) Government intervention
8. What are the two government-provided insurance programs in the U.S.?
a) Medicare and Medicaid
b) Social Security and Veterans Health Administration
c) Obamacare and CHIP
d) Private insurance and Medicaid
9. What is a concern regarding Medicare and Medicaid expenditure?
a) Lack of access for elderly
b) Decreased life expectancy
c) Economic impact of rising costs
d) Insufficient funding
10. Which category of health insurance in Japan covers employees of large companies?
a) Society-managed health insurance (SHI)
b) Government managed health insurance (GHI)
c) National Health Insurance (NHI)
d) Long life medical care system
11. Which Japanese scheme covers employees of small employers?
a) Society-managed health insurance (SHI)
b) Government managed health insurance (GHI)
c) National Health Insurance (NHI)
d) Long life medical care system
12. Which Japanese scheme is for self-employed and unemployed individuals?
a) Society-managed health insurance (SHI)
b) Government managed health insurance (GHI)
c) National Health Insurance (NHI)
d) Long life medical care system
13. What percentage of Chile’s population is enrolled with Fonasa?
a) 20%
b) 40%
c) 50%
d) 67%
14. Which insurance scheme in Thailand covers government employees?
a) Civil Servant Medical Benefits Scheme (CSMBS)
b) Social Security Scheme (SSS)
c) Universal Coverage Scheme
d) National Health Fund
15. What was India’s health expenditure as % of GDP (2008–09)?
a) 1.8%
b) 3.06%
c) 4.13%
d) 26%
16. What is the purpose of Japan’s Long life medical care system?
a) Cover all residents
b) Cover people aged 65–74 with disabilities
c) Finance healthcare for people aged 75+
d) Provide specialized care
17. How is Fonasa funded in Chile?
a) Employee contributions
b) General tax revenues
c) Employer contributions
d) Private insurance funds
18. Which Thai scheme resembles India’s ESIS?
a) Civil Servant Medical Benefits Scheme (CSMBS)
b) Social Security Scheme (SSS)
c) Universal Coverage Scheme
d) National Health Fund
19. _____ would help verify an individual's insurance track record.
a) RBI
b) Insurance Regulators
c) CIBIL
d) Online fraud database
20. Which factor is NOT considered while designing a reinsurance program?
a) Estimate of profit
b) Size of portfolio
c) Volatility of claims
d) Extent of capital credit required
