ICS07 - Miscellaneous Insurance (Surveyor) Mock Test 07
This set of questions covers important concepts under ICS07 – Miscellaneous Insurance (Surveyor), including Adhikari Suraksha Kavach, Office Protection Shield, health insurance, Janta Personal Accident Insurance, Honey Bee Insurance, horse insurance, floater covers, cash-in-safe insurance, and Commercial Fidelity Guarantee. The questions examine eligibility, accidental risks, pre-hospitalization medical expenses, insurance schemes for economically weaker sections, exclusions and coverage under honey bee insurance, horse death indemnity, features of floater policies, protection of cash and currency notes, and termination of coverage for defaulting employees. These topics help candidates understand specialized policy features, eligibility conditions, exclusions, claim coverage, and underwriting principles.
1. Adhikari Suraksha Kavach is designed for ______.
A) Diplomats only
B) State Government employees only
C) Central Government employees only
D) Employees of a PSU
E) Executives and/or businessmen
2. As per the Office Protection Shield – Personal Accident Insurance for self and employees, which of these risks is/are covered?
- Death
- Permanent total or partial disablement
- Temporary total disablement due to accident
A) Only 1
B) 2 and 3
C) 1 and 3
D) 1 and 2
E) All 1, 2 and 3
3. In health cover policies, relevant medical expenses incurred during the period up to ______ prior to hospitalisation are treated as part of the claim and are reimbursed to the insured.
A) 10 days
B) 15 days
C) 20 days
D) 30 days
E) 45 days
4. ______ policy was specifically designed to cater to the needs of the economically weaker section of society.
A) Student Safety Insurance
B) Janta Personal Accident Insurance
C) Traffic Accident Policy
D) Janta Economical Accident Insurance
E) Rasta Aapathi Kavach
5. Which of these is/are exclusions (not covered) under Honey Bee Insurance?
- Natural mortality
- Any destruction as required by any order of Government / municipal authority
- Theft risk can be covered on payment of additional premium
A) Only 1
B) Only 3
C) 1 and 3
D) 1 and 2
E) All 1, 2 and 3
6. Which of these statement(s) is/are CORRECT with respect to Honey Bee Insurance?
- The insurance applies to hives and/or bee colony belonging to the cooperative society.
- Theft risk can be covered on payment of additional premium.
- The cover is in respect of all accidental loss or damage to the hive and/or bee colony.
A) Only 1
B) Only 2
C) 1 and 3
D) 1 and 2
E) All 1, 2 and 3
7. A horse insurance policy provides indemnity in respect of death of a horse occurring from:
A) Disease contracted whilst within the specified area during the period of insurance
B) Accident within the specified area during the period of insurance
C) Disease contracted whilst in transit within the specified geographical area during the period of insurance
D) Accident while in transit within the specified geographical area during the period of insurance
E) All of the above
8. A Floater Cover:
A) Is a combination of collective policy and a blanket policy
B) Relieves the employer of the necessity of fixing what he considers to be suitable individual amounts of guarantee
C) Covers the entire staff without showing name or position
D) The position is guaranteed for a special amount so that a change in the person holding the position does not affect the cover
E) Is issued when the entire staff or a number of selected individuals are to be covered
9. What does the 'Cash in Safe' Insurance cover?
- Cash
- Safe
- Currency Notes
A) Only 1
B) Only 2
C) 1 and 2
D) 1 and 3
E) All 1, 2 and 3
10. In the case of a Floater Commercial Fidelity Guarantee floater policy, it shall cease to cover the defaulting employee ______.
A) From the date the loss is discovered
B) From 1 month after the date the loss is discovered
C) From 2 months after the date the loss is discovered
D) From 3 months after the date the loss is discovered
E) From the 10th day after the date the loss is discovered
