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Q1. What is "Upcoding" in Health Insurance?
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Q2. In which event(s) availing cashless facility does not require a pre-authorization from the insurer/TPA?
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Q3. Do I need to inform the Insurance Company when I got sick or illness or suffer a medical condition?
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Q4. When I need to inform the Insurance Company when I got sick or illness or suffer a medical condition?
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Q5. What is the maximum period, that is allowed to be imposed as waiting period by an insurer as per IRDA regulations?
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Q6. Which of the following are generally not covered in a basic Health Insurance cover?
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Q7. What is a usual Waiting Period for claims under a Health Insurance policy?
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Q8. Which one is top regulator of medical education in India?
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Q9. Does Multiple Hospitalisation is allowed under a single Health Insurance Policy?
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Q10. What is "All Risk Policy" in Health Insurance?
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Q11. The Age limit for availing a Health Insurance Benefit in India is?
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Q12. Mr. A has taken two Health Insurance Policy, Policy A is for sum assured Rs. 2 lacs and Policy B has sum assured Rs. 3 Lacs. The medical expenses he has incurred is Rs. 2,75,000. How much he will get as claim?
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Q13. Does Health Insurance Policies in India offer a grace period for paying renewal premium?
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Q14. Which or what type of hospitalisation costs are usually not covered under retail hospitalisation indemnity plans?
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Q15. A person who has taken an health insurance policy, where he can get the treatment?
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Q16. What is Day-Care Treatment and does it cover under a standard Health Insurance Policy?
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Q17. How deductible clause works differently in Health Insurance?
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Q18. What type of treatment undergone in a hospital is eligible for Insurance claim?
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Q19. What do you mean by "Domiciliary Hospitalisation Cover?"
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Q20. Does Medical Examination is also required to be undergone on each renewal?
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Q21. Which plan provides Health cover, for the entire family?
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Q22. What is Non-Medical Insurance?
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Q23. What percentage of Indian population meet their medical expenses out of their pocket and does not take a medical cover?
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Q24. Why Health Insurance cost becoming relatively high, year after year?
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Q25. Who first introduced cash-less health insurance in India?
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Q26. What is the approximate percentage of Indian population buy Commercial Health Insurance?
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Q27. Can I pay my premium for health insurance cover, on monthly basis?
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Q28. Does a person with adventure sports will be denied cover under Medical, Life or other policies?
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Q29. Who provides Out-Patient cover in India?
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Q30. Why Out-Patient cover not yet introduced in India?
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Q31. What are the benefits available under "Overseas Medical Insurance"?
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Q32. I have three health cover taken from 3 different insurer for sum assured of Rs 1,00,000, Rs. 1,50,000 and Rs. 2,00,000 respectively. In case I got sick, How much claim I will receive?
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Q33. What is a "Health Saving Account" (HSA) and what are its benefits?
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Q34. What is Moratorium period in Health Insurance, and how does it ensure that everybody is entitled for health insurance cover?
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Q35. What constitute "Maternity Benefits" in Health Insurance?
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Q36. What is the usual waiting period for Maternity benefits in Health Insurance?
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Q37. Which types of deceases can be declined by an insurer from insurance cover?
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Q38. What is "Medical Inflation"?
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Q39. What is the eligibility criteria for senior citizen health insurance?
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Q40. What is "Accumulation Period" in Health Insurance means??
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Q41. How is "Illness" defined in Health Insurance Policy?
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Q42. "Survival Period" in reference to Health Insurance means:
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Q43. Which one is correct definition of "Terminal Illness"?
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Q44. Who is "Network Provider" in Health Insurance?
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Q45. Which is the most dominant health insurance product in the Indian market?
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Q46. What is the first health policy introduced in India and when?
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Q47. What is "OPD" stand for?
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Q48. What is the decease called "Asbestosis"?
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Q49. What is "Co-pay" in Health Insurance?
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Q50. What is the Minimum and Maximum tenure of Health Insurance Product?
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Q51. What is the maximum age upto which, a health insurance request will be accommodated by an Insurer?
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Q52. Is it true that health insurance policies issued in India are lifelong renewable, and its annual renewal cannot be cancelled by an Insurer?
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Q53. What percentage of Allopathy Doctors (M.B.B.S and above) are practising in Private Sector in India?
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Q54. What are the requisites for an AYUSH Hospital?
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Q55. Does AYUSH treatments (Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems) can be claimed?
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Q56. Can I take a Health Insurance cover for any member of the family? Including parents-in-laws?
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Q57. What is "Super-TopUp Plan"?
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Q58. What is unique about a Senior Citizens plan, as compared to any other plan?
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Q59. In case of a "Combi-Product", who is going to handle any health claim?
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Q60. What is a "Combi-Product" in Health Insurance?
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Q61. What is the definition of "Health"?
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Q62. What is the meaning of Sedentary Life Style?
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Q63. Who should bear the cost of Medical Examination as per IRDA Regulations?
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Q64. How the sum insured is determined for each member in a group life policy?
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Q65. What is Free cover limit in Group Life Plan?
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Q66. In annuities, when annutization starts ?
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Q67. One of the criteria used in underwriting Group life policy is "Active-at-Work" what does it means?
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Q68. Which one is cheaper Group Life Policy or Individually sponsored Life Policy?
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Q69. Is gratuity become payable in case of dismissal of employment, fraud, theft, assault, rape, or molestation.
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Q70. Where or in which organisation Payment of Gratuity Act, 1972 is mandatorily applicable?
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Q71. Is gratuity is taxable?
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Q72. What is correct formula for gratuity calculation?
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Q73. In what type of Pension Scheme, the pension amount is known before-hand and does not effect due to volatility in the market?
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Q74. Does Top-Ups in ULIP will also attract Lock-in-Period of 5 years?
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Q75. What will happen if a ULIP Holder fails to pay premium in a year?
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Q76. With regards to ULIP, what does "Premium-Holiday" means?
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Q77. What is Net Asset Value (NAV) in ULIP?
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Q78. What is correct formula to calculate Total Fund Value?
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Q79. How Unit Price in ULIP is calculated in Expropriation Method?
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Q80. Does ULIP declare bonus?
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Q81. What happen if you fail to pay a premium in ULIP within stipulated time?
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Q82. Can Discounted ULIP can be revived?
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Q83. When is the Proposer is generally required to provide Age-Proof?
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Q84. What are usual Policy conditions in a Insurance Policy
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Q85. Is there a chance of getting the insurance claim in case of policy for which premium payment has been stopped?
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Q86. If a proposal received from a person with terminal cancer, what will usually be response of an underwriter
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Q87. Which one is cheapest form of Life Insurance?
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Q88. Does Subrogation principle applies in Life Insurance?
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Q89. When a Policy lapses, who gets benefited?
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Q90. What is special Revival Scheme (SRV)?
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Q91. Which policies, usually does Not have loan facility?
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Q92. What is Bancassurance?
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Q93. In what situation, fore-closure of a life insurance policy can be initiated by the Insurer?
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Q94. In case of un-natural death or accidental death, what additional documents required to be submitted for claim process?
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Q95. If an insured wants to cancel a policy, what documents required to submitted?
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Q96. Intimation of death need to be given within how many days of death of the insured?
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Q97. What is Settlement Option in Life Policy?
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Q98. What is usual death claim settlement ratio in India?
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Q99. When a claim is considered as Early Death Claim? And how such cases are considered by an Insurance company?
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Q100. Can I take insurance on the life of my parents even if they are not dependent to me?
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