Quick Insure-test

Insurance helps to:

• Prevent adverse situations from occurring

• Reduce the financial consequences of adverse situations

• Negate all consequences of adverse situations

• Make assets continuously productive

Which of the following intermediaries sell insurance products

• Insurance Brokers/ Agents

• Third Party Administrators

• Surveyors

• All the above intermediaries sell products

The principle of _____________ ensures that an insured does not profit by insuring with multiple insurers

• Subrogation

• Contribution

• Co-insurance

• Indemnity

Day Care procedures are:

• Lithotripsy

• Chemotherapy

• Cataract

• All of the Above

Lasik surgery is covered in retail health policy after a waiting period of:

• 30 Days

• 2 Years

• Day 1

• Permanent exclusion

Health check-up benefit is payable on _______ basis

• Cashless

• Re-imbursement

• both

In R.T.A cases it is important to acquire:

• FIR copy

• MLC copy

• Doctor’s certificate confirming the status as non- drugged

• All of the above

Major reason for cashless claim denial is

• Past history not declared in health policy

• Hospital not on panel

• Age of the insured is above 60 years

• Claim not intimated to Insurance Company

In case the reimbursement claim amount is more than 1 lac __________ is mandatory requirement

• Prior intimation to insurance company

• KYC documents

• Doctor’s Justification why the amount is beyond 1 Lac

• All of the above

Pre-existing condition means

• Any treatment taken prior to the inception of the policy

• Disease present in the body before the inception of the policy, whether known or unknown

• If the insured has any sign, symptoms or has undergone treatment of particular disease while applying for health insurance policy

• If the insured has any symptoms or has undergone treatment of particular disease before the inception of the policy