ICS07 - Miscellaneous Insurance (Surveyor) Mock Test 01

1. How are relevant medical expenses incurred before and after hospitalization treated under the policy?

A) They are not covered under the policy
B) They are treated as a separate claim
C) They are considered part of the claim
D) They are reimbursed separately from the main claim
E) They are only covered for certain treatments

2. What is NOT covered under the Sports Insurance policy?

A) Loss of or damage to personal effects and clothing in a clubhouse
B) Loss of sporting equipment during a sports event
C) Loss or damage to watches and jewelry
D) Loss of personal effects due to burglary
E) Loss of sporting equipment during transit

3. When might the restriction on the sum insured not strictly apply in a personal accident policy?

A) When the policyholder is a senior citizen
B) When the policy is for a short duration
C) When the policy covers only temporary total disablement
D) When the policy covers accidents related to hazardous pastimes
E) When the policy is for capital benefits only

4. What does "Money in transit between the insured's premises and bank or post office or other specified places" refer to?

A) Transportation of goods between branch premises
B) Moving cash for business expansion
C) Moving cash between the insured's premises and specified locations like a bank or post office
D) Moving cash for personal expenses
E) Moving inventory between the insured's premises

5. What is the purpose of inspecting the animal and premises of the insured by the company in cattle insurance?

A) To determine the market value of the animal
B) To assess the health of the animal
C) To decide the premium rates
D) To determine the claim amount

6. What does "domiciliary hospitalization" refer to in the context of health insurance?

A) Treatment provided at a nursing home
B) Treatment provided within the hospital premises
C) Home treatment exceeding three days for a serious illness
D) Treatment for minor illnesses
E) Emergency medical care at home

7. Which of the following activities is NOT covered by the Sports Insurance policy?

A) Golfing
B) Squash
C) Hunting with sporting guns
D) Professional sports tournaments
E) Angling (fishing)

8. Which section of the policy covers the protection of cash while it's being transported from the bank or post office to the insured's premises?

A) Section A
B) Section B
C) Section C
D) Section D
E) Section E

9. Videsh Yatra Mitra policy is valid only if the insured journey commences within how many days of the first day of insurance?

A) 14
B) 15
C) 30
D) 60

10. Why is Case 2 considered to have a break in the chain of causation?

A) The accident was too severe to cause death
B) Samit had a pre-existing infectious disease
C) The medical staff provided inadequate treatment
D) Samit contracted a separate fatal disease in the hospital
E) Samit's death was caused by medical malpractice