| Post Name | LABORATORY TECHNICAL ASSISTANT (GENERAL INSURANCE) |
|---|---|
| Department | VHSE |
| Question Paper Code | 023/2015 |
| Date of Test | 4 February 2015 |
| Medium of Question | ENGLISH |
| Exam Type | OMR Examination |
| Total Questions | 100 |
1
—————— is a summary document issued by an insurer before a formal insurance policy
is issued.
Answer
B. Cover note
2
A person can insure:
Answer
D. Any property in which he has a financial] interest
3
‘In insurance “uberrimae fidei” means :
Answer
D. Utmost good faith
4
:
_ 4. Which among the following is not a marine policy?
Answer
D. Fidelity policy
5
An insurer is someone who:
Answer
B. Undertakes to make good for a particular loss of someone else
6
A person insures his goods worth Rs. 30,000/- against fire for Rs. 20,000/- and suffers a loss
| by theft of Rs. 15,000/-. What will be the claim if the average clause included?
Answer
D. None of these
7
Risk of loss due to strike and riot can be covered by :
Answer
A. Comprehensive policy
8
Which of the following principles of insurance is against the general principle of consumerism
"caveat emptor"?
Answer
B. Utmost good faith
9
The term "assurance" is related to:
Answer
A. Life insurance
10
An insurer can reduce the Burdon of liability on insured property by :
Answer
B. Reinsurance
11
Both security and investment elements are appeared in :
Answer
B. Life Insurance
12
"Insurance is not possible without consideration" in this context which among the following is
true?
Answer
C. Insurance is not a charity
13
The oldest form of insurance is:
Answer
C. Marine Insurance
14
Which among the following is not covered by insurance?
Answer
D. Loss or damage caused by nuclear activity
15
Great fire of London occurred in the year of :
Answer
B. 1666
16
Primary function of insurance does not include :
Answer
D. Insurance provides capital to society
17
—————— insurance is an obligatory duty of the nation.
:
Answer
A. Social insurance
18
In which year ESI corporation was éstablished?
Answer
D. 1948
19
Warranties which are included in the insurance contract in the form of answers to question
are called as :
Answer
C. Affirmative warranties
20
The period of insurance in Fire policy generally does not exceed more than :
Answer
A. One year
21
The policy which covers more than one life under a single policy is called as :
Answer
A. Joint life policy
22
In India General insurance was nationalised in the year of :
Answer
B. 1972
23
In marine insurance, which of the following contracts does not include?
Answer
D. F.LB
24
The period starting from the date of commencement of the policy to the date of
commencement of risk is called as:
Answer
B. Waiting period
25
Expenses for issue of premium receipt for a life policy is an example of :
Answer
B. Recurring expenses
26
IRDA means :
Answer
C. The Insurance Regulatory and Development Authority
27
In marine insurance the person who agree to insure cargo, ship, or freight is called as :
Answer
D. Underwriter
28
Which among the following is the duty of "Actuary"?
Answer
D. Value the net liability of insurance business
29
"An insured is not allowed in any way to make profit out of insurance" Which among the
following principles is/are implicit in the above statement?
Answer
D. All the above
30
Which among the following risks is not covered by marine insurance?
Answer
C. Loss due to delay in voyage
31
In marine insurance cause of accident is generally known as :
Answer
C. Peril
32
Which of the following riske is/are covered by fire insurance?
Answer
C. Loss or damage due to ignition
33
LIC was established in the year :
Answer
A. 1956
34
In the case of fire insurance the insurable interest must be present :
Answer
C. Both at the time of taking the policy and claim
35
‘A’ can take insurance policy on the life of ‘B’ if: |
Answer
B. Bowed money to A
36
A fire policy which covers property at different localities against loss by fire is called as : |
Answer
A. Floating policy
37
Marine policy to cover a particular route only is known as :
Answer
B. Voyage policy
38
‘A’ insured his goods worth Rs. 1,000/- for Rs. 700/- and suffers loss of Rs. 800. A's claim is :
Answer
B. Rs. 700
39
“After the payment of insurance claim, the insurer steps into the shoes of the insured” Which
principle is related to this statement?
Answer
D. Subrogation
40
My. X insured his life with LIC for Rs. 1,00,000 and with TATA-AIG for Rs. 2,00,000, On his »
death his nominee can claim the amount from :
Answer
C. Both from LIC and TATA — AIG
41
A fire policy taken to cover all fixed and current assets of the insured is called as :
Answer
A. Blanket policy
42
In motor insurance additional premium is added to the basic premium on the basis of :
Answer
D. All of these )
43
Measurement of loss is not possible in ————————- insurance. :
Answer
A. Life
44
On duty personal accident policy covers : |
|
Answer
C. Accident during employment
45
Which clause in fire policy helps to check under insurance?
Answer
B. Average clause
46
Surrender value of life policy is the amount payable :
Answer
D. On withdrawal of policy before maturity
47
Normally personal accident policy covers in a day :
Answer
B. 24 hours anywhere in the world
48
Which of the following is compulsory insurance?
Answer
A. Motor insurance
49
A wager agreement is:
Answer
C. Void ab initio
50
Section ———————— of Income Tax Act provides tax benefits for mediclaim premium.
Answer
B. 80D
51
The policy where the amount payable to the insured will not be paid before the death of the |
insured is called as : |
Answer
A. Whole life policy
52
Which insurance policy will cover the risk of loss due to the act of dishonesty by the
employees entrusted with carrying of money?
Answer
C. Fidelity insurance
53
Which is the modified form of Comprehensive Crop insurance scheme
Answer
A. NAIS
54
Which of the following disablements is not covered under personal accident policy?
Answer
C. Temporary partial disablement
55
The insurance which covers the damage to a vessel :
Answer
A. Hull insurance
56
In fire insurance when the insurer pays certain portion of the claim before final settlement, it
is called as:
Answer
C. Ex-gratia payment
57
According to which clause the insurer has the option to discharge his liability by replacing
the damaged property :
Answer
D. Reinstatement clause
A 9 23/2015
58
Consequential loss policy covere financial :
Answer
D. All of the above
59
Voluntary throwing away of the cargo or part of vessel's equipment for lightening the vessel
for common safety is termed as :
Answer
B. Jettison
60
The cost of repair and replacement of a damaged ship was estimated to be Rs. 60,000
whereas the real value of ship was estimated to be Rs. 50,000. In this case loss is treated as :
Answer
A. Constructive total logs
61
The catastrophe insurance covers risk like : |
:
Answer
D. All of these |
62
A nominee is an authorised agent to receive the assured sum :
Answer
A. On the death of the assured
:
63
A marine policy may be assigned :
Answer
C. Either before or after loss ~
64
The tenure of office of chairperson of IRDA is:
Answer
B. 65 years
65
IRDA was established on the recommendation of ———————— committee.
Answer
C. E.N. Malhotra
66
_—————— is a strategy adopted where insurance and banking business are
complementing and supplementing each other.
Answer
C. Bancassurance
67
Generally in motor insurance the insurer is not liable in respect any accident, loss, damage
) incurred outside the geographical area of India. But the area can be extended to :
Answer
A. Nepal
68
Which of the following is / are not covered by motor insurance?
|
Answer
D. All of these
69
‘M’ leaves some goods with ‘N’ for safe custody. Who can insure the goods?
Answer
C. Both Mand N
70
‘X’ transfers his policy to “Y’. Here “Y’ is called as :
Answer
A. Assignee
71
In India, Insurance Act enacted in the year of :
Answer
B. 1938
72
Which among the following assumptions is /are underlying in the calculations of premium?
Answer
D. All the above
78. An insurance is a/ an:
73
An insurance is a / an :
Answer
B. Contract
74
Third party insurance come under the category of —-——————
Answer
C. . Liability Insurance
75
The first general insurance company in India was :
Answer
A. Triton Insurance Company
76
Which among the following is not a subsidiary of GIC India?
Answer
D. None of these
77
‘Cauea Proxima’ principle implies that the loss must arise from :
Answer
C. The cause insured against
78
Which of the following risks is excluded from cattle insurance policy?
Answer
A. Theft of animal
79
Poultry insurance generally covers birds of —-——————_ age.
Answer
A. Oto 72 weeks
80
Sericulture insurance scheme is applicable to:
Answer
B. Silkworms
81
The state which share the border with Butan?
Answer
C. Assam
82
The Andaman island consists of how many small islands?
Answer
A. 204
83
Largest aalt water lake in India:
Answer
B. Sambar
84
Ranthambore national park located at:
Answer
C. Jaipur
85
Deputy chairman of planning commission :
Answer
A. Montek sing ahluwalia
86
Objective of 12% five year plan:
Answer
D. Improvement of health
87
Who was known as “Prince of workers”?
Answer
C. Gopal Krishna Gokhale
88
The year in which “Chauri choura” incident happened?
Answer
A. 1922
89
Which is the paper edited by Bal Gangadar Tilak?
Answer
D. Kesari
90
The first national park in Kerala :
Answer
C. Eravikulam
91
“Political father of Ezhavas’ :
Answer
C. Dr. Palpu
92
Founder of “Anandamaha Sabha’ :
Answer
C. Brahmananda Swami Siva Yogi
93
“Adukkalayilninum Arangathekku” a famous play was written by :
Answer
B. V.T. Battathiripad
94
The birth place of Ayyankali :
Answer
A. Venganoor
95
The first president of Travancore Devaswam Board : 3
Answer
C. Mannathupadmanabhan
96
The winner of “Golden Boot” award in the FIFA world cup 2014 : |
Answer
D. James Rodriguez )
97
“Operation protective edge” is an on going military conflict between :
|
Answer
C. Israel and Hamas
98
Present Railway budget introduce first bullet — train it connect which corridor :
Answer
A. Mumbai — Ahemedabad
99
Ali hassan award 2014 goes to:
Answer
B. Gauri Amma
100
Present governor of Gujarat :
Answer
A. OP Kohli
Discussion
Ask a doubt or share a tip.
No comments yet — start the discussion.