Tuesday, 20 August 2019

lic agent IC-38 exam set-20

 LIC IC-38 Online Mock Test for LIC agency Exam preparation according to IRDA syllabus # SET-20

CHAPTER 20 : GRIEVANCE REDRESSAL MECHANISM

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IC-38 Online Mock Test for LIC agency Exam preparation SET-20

Question-1

Which of the below will be the most appropriate option for a customer to lodge an insurance policy related complaint?
[A]. Police [B].Supreme Court
[C]. Insurance Ombudsman [D]. District Court

Question-2

Can a complaint be launched against a private insurer?
[A]. Complaints can be launched against public insurers only [B].Yes, complaint can be launched against private insurers
[C].Complaint can be launched against private insurers only in the Life Sector [D]. Complaint can be launched against private insurers only in the Non-Life Sector

Question-3

Which of the below statement is correct with regards to the territorial jurisdiction of the Insurance Ombudsman?
[A]. Insurance Ombudsman has National jurisdiction [B].Insurance Ombudsman has State jurisdiction
[C]. Insurance Ombudsman has District jurisdiction [D]. Insurance Ombudsman operates only within the specified territorial limits

Question-4

Expand the term IGMS.
[A]. Insurance General Management System [B].Indian General Management System
[C]. Integrated Grievance Management System [D]. Intelligent Grievance Management System

Question-5

How is the complaint to be launched with an insurance ombudsman?
[A]. The complaint is to be made in writing [B].The complaint is to be made orally over the phone
[C].The complaint is to be made orally in a face to face manner [D]. The complaint is to be made through newspaper advertisement

Question-6

Are there any fee / charges that need to be paid for lodging the complaint with the Ombudsman?
[A]. A fee of Rs 100 needs to be paid [B].No fee or charges need to be paid
[C]. 20% of the relief sought must be paid as fee [D]. 10% of the relief sought must be paid as fee

Question-7

What is the time limit for approaching an Insurance Ombudsman?
[A]. Within two years of rejection of the complaint by the insurer [B].Within three years of rejection of the complaint by the insurer
[C].Within one year of rejection of the complaint by the insurer [D]. Within one month of rejection of the complaint by the insurer

Question-8

Which of the below consumer grievance redressal agencies would handle consumer disputes amounting between Rs. 20 lakhs and Rs. 100 lakhs?
[A]. District Forum [B].State Commission
[C].National Commission [D]. Zilla Parishad

Question-9

Which among the following is not a pre-requisite for launching a complaint with the Ombudsman?
[A]. The complaint must be by an individual on a ‘Personal Lines’ insurance [B]. The complaint must be lodged within 1 year of the insurer rejecting the complaint
[C].Complainant has to approach a consumer forum prior to the Ombudsman [D]. The total relief sought must be within an amount of Rs.20 lakhs.

Question-10

Which among the following cannot form the basis for a valid consumer complaint?
[A]. Shopkeeper charging a price above the MRP for a product [B].Shopkeeper not advising the customer on the best product in a category
[C].Allergy warning not provided on a drug bottle [D]. Faulty products

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