S09-Crop Insurance Mock Test 20
S-09 Crop Insurance covers crop insurance principles, agricultural risks, underwriting, claims, yield assessment, weather-based insurance, and modern technologies. Important topics include PMFBY, RWBCIS, NCIP, CCEs, Threshold Yield, franchises, deferred loss assessment, and insurance units. The syllabus also discusses horticulture, plantation, animal and floriculture insurance. Modern technologies such as UAVs, satellite imagery, NDVI, remote sensing, and ICT improve crop monitoring, damage assessment, transparency, and claim settlement. Agricultural risks arise from biological, climatic, market, financial, institutional, technological, and personal factors. Effective crop insurance requires accurate data, proper field assessment, sound farm management, stakeholder coordination, and efficient digital administration.
1. What is the title of Chapter 12 in S-09 Crop Insurance?
a) Crop Loss Assessment - Use of Modern Technologies
b) Planning Crop Loss Assessment
c) Crop Loss Principles and Objectives
d) Agricultural Insurance Technology
e) Satellite Imaging for Agriculture
2. Based on NDVI and yield correlation, at what level have triggers been defined in AIC's biomass index?
a) Between 50 and 70 percent of past 10 years' average
b) Between 75 and 85 percent of past 10 years' average
c) Between 95 to 85 percent of past 10 years' average
d) Between 80 to 90 percent of past 10 years' average
e) Between 60 to 75 percent of past 10 years' average
3. Under Dog Insurance, which diseases are only covered if dogs have been successfully vaccinated?
a) Rabies and Distemper only
b) All diseases
c) Death due to diseases such as Distemper, Rabies, Viral Hepatitis, Leptospirosis, Viral Enteritis – these are covered only if the dogs have been successfully vaccinated and a veterinary certificate to that effect is produced
d) Parvovirus and Coronavirus only
e) Diseases contracted after one year of policy
4. How are natural resource risks best addressed in the context of crop production?
a) Primarily through comprehensive government relief programs
b) In the main, these risks are best addressed by farm management practices; however, some of the underlying causes may themselves be insurable
c) Exclusively through crop insurance coverage
d) Through international trade agreements and subsidies
e) Only through reforestation and land rehabilitation programs
5. What techniques are used to precisely work out relationships between crop output and weather parameters in weather index insurance?
a) Remote sensing and satellite imagery
b) Crop modelling and statistical techniques
c) AI and machine learning models
d) Historical price analysis
e) Survey-based assessment methods
6. What pre-inspection requirement exists for Comprehensive Floriculture Insurance?
a) No pre-inspection is required
b) Pre-inspection by the insurer's own staff
c) Inspection by a reputed structural engineer having experience in designing poly-houses
d) Inspection by the district agricultural officer
e) Self-certification by the farmer
7. What is the 'condition of average' under the horticulture/plantation insurance scheme?
a) If insured has more than one acre of horticultural cultivation in any one location, he is expected to insure all of them
b) The insurer averages the loss across all farmers in the district
c) The average yield is calculated across all insured crops
d) The sum insured is averaged over multiple years
e) The premium is averaged across all policyholders
8. What is 'Deferred crop loss assessment' (Step 9)?
a) When the claim is deferred to the next financial year
b) When the assessment is postponed because the assessor is unavailable
c) When the farmer requests a delay in the assessment process
d) When the insurance company defers payment of compensation
e) When some crops have suffered damage at an early growth stage and the loss cannot be assessed until further crop development has taken place, requiring a preliminary survey sheet to be completed
9. What is a 'Franchise' (threshold of damage) in crop insurance?
a) A type of premium discount
b) A government subsidy for crop insurance
c) An amount of loss suffered before any compensation is paid
d) A type of reinsurance arrangement
e) A bonus paid to the insurer
10. What best describes the 'Information and Communication Technology' (ICT) role in Revamped PMFBY?
a) ICT is used only for financial transactions
b) ICT through NCIP enables digitization, real-time data sharing, transparency, and better administration of the entire scheme
c) ICT is limited to premium calculations
d) ICT is used only for claim processing
e) ICT is used only for farmer enrollment
