ICS07 - Miscellaneous Insurance (Surveyor) Mock Test 03
This set of questions covers important areas of ICS07 – Miscellaneous Insurance (Surveyor), including rural accident, travel, family package, pedal cycle, property risk inspection, child welfare, cattle, personal accident, and pet dog insurance. The questions focus on additional covers, proposer's declarations, spouse benefits, accidental damage to accessories, risk inspection for large sums insured, compensation under welfare schemes, travel plans, cattle transit coverage, medical expense extensions under personal accident policies, and determining the sum insured for pet dogs. These topics help candidates understand policy conditions, eligibility, coverage extensions, underwriting considerations, exclusions, benefits, and methods used to assess risks under miscellaneous insurance policies.
1. What is the additional cover available under the Rural Accident Package Policy for hospitalization expenses arising out of accidents?
A) Up to 5% of the Capital Sum Insured
B) Up to 10% of the Capital Sum Insured
C) Up to 15% of the Capital Sum Insured
D) Up to 20% of the Capital Sum Insured
2. Which of the following statements is NOT a part of the proposer's declaration?
A) Not traveling against the advice of a physician
B) Not on a waiting list for medical treatment
C) Not traveling for the purpose of obtaining medical treatment
D) Not having received a terminal prognosis before
E) Not having traveled outside India previously
3. What additional coverage is typically offered for the spouse under the family package cover if the spouse is not an earning member?
A) 100% of the capital sum insured of the earning member
B) 50% of the capital sum insured of the earning member
C) A fixed amount of Rs. 1,00,000
D) A fixed amount of Rs. 3,00,000
E) 25% of the capital sum insured of the earning member
4. Which of the following conditions must be met for coverage of loss or damage to rubber tyres, lamps, tools, and accessories?
A) They must be covered under a separate policy
B) They must be lost or damaged in the same accident as the insured pedal cycle
C) They must be reported to the police immediately
D) They must be stolen independently of the pedal cycle
E) They must be insured for at least Rs. 1,000
5. Why is an inspection of risk necessary when the sum insured is large?
A) To document the exact value of every item to be insured
B) To ensure the insured property is new and well-maintained
C) To determine if the property is subject to any legal disputes
D) To provide underwriters with a visual understanding of the risk and its security features
E) To calculate the average age of the insured person
6. Under the Bhagyashree Child Welfare Policy, how much compensation is deposited by the company in the name of the girl child insured?
A) Rs. 12,000/-
B) Rs. 15,000/-
C) Rs. 18,000/-
D) Rs. 24,000/-
E) Rs. 25,000/-
7. Which plans include coverage for travel to the U.S.A. and Canada?
A) Plan A
B) Plan B
C) Plan C
D) Plan D
E) Plan E
8. Which animals are eligible for a transit cover in Cattle Insurance without an additional premium?
A) Scheme animals only
B) Non-scheme animals only
C) Exotic animals
D) Animals transferred within 80 km
9. What is the primary purpose of extending a personal accident policy to cover medical expenses?
A) To provide coverage for accidents caused by internal medical conditions
B) To provide coverage for accidents occurring while engaging in high-risk sports
C) To provide compensation for temporary total disablement
D) To cover medical expenses incurred due to accidental bodily injury
E) To cover war and allied risks
10. What is the primary basis for determining the sum insured for pet dogs under Pet Dog Insurance?
A) The estimated market value at the time of claim
B) The purchase price at the time of insurance
C) The breed and pedigree of the dog
D) The age and health history of the dog
E) The weight and size of the dog
