Set 1 Flashcards
Q1: John is wondering which wards in public hospitals receive subsidies from the Singapore Government. He needs to be aware that all wards of public hospitals receive subsidies from the Singapore Government apart from…
(A) Class A
(B) Class B1
(C) Class B2
(D) Class C
Class A
Q2: Nicole needs to be admitted to a public hospital and has asked how much subsidy is available if she selects a B1 ward. Nicole should be told that the subsidy is …
(A) 10%
(B) 20%
(C) 40%
(D) 80%
(B) 20%
Q3: Benefits under the Medical Expense Insurance are provided on a/an…
(A) benefit basis
(B) deductible basis
(C) agreed value basis
(D) reimbursement basis
(D) reimbursement basis
Q4: Mr Goh bought a family coverage plan of his medical Expense Insurance policy. The application was submitted at the same time. A family discount of 5% was given by the insurer. The premiums payable were as follows:
(i) Mr Goh: $150
(ii) Mr Goh’s spouse: $170
(iii) Mr Goh’s son: $120
(iv) Mr Goh’s daughter: $140
Calculate the total premium payable by Mr Goh
(C) S$551
Total gross premium = $150 +$170 +$120 +$140 = $580
Premium payable (include 5% discount) = 95% X $580 = $551
Q5: Berty has a medical Expenses insurance policy which includes Specific Disease Insurance. The specific disease which Berty is covered for is cancer. If Berty is diagnosed to be suffering from cancer, the insurance policy will pay Berty…
(A) a fixed lump sum
(B) his funeral expenses when he dies.
(C) his usual monthly salary until he dies.
(D) the cost of medical treatment to cure him
(A) a fixed lump sum
Q6: Joan is seeking reimbursement of hospital miscellaneous expense under a typical Medical Expense Insurance policy but is not sure which charges she can claim for. In respect of hospital miscellaneous expenses, Joan MOST likely can claim for…
(A) her costs of a short-stay ward.
(B) the charges of the operating room.
(C) her costs of being in an intensive care unit.
(D) the costs of surgical implant and prosthesis
(B) the charges of the operating room
Q7: Alice has purchased a Medical Expenses insurance policy. Alice notes that certain items under Hospital Miscellaneous Expenses are covered including
(A) radiosurgery
(B) anesthetist’s fees
(C) ambulance services
(D) congenital anomalies
(C) ambulance services
Q9: Andy is a Group Medical Expenses Underwriter and usually underwrites policies based on the claims history of the group to be insured. This method of underwriting by Andy is known as…
(A) master rating
(B) selective rating
(C) experience rating
(D) moratorium rating
(C) experience rating
Q10: Beside the proposal form, the document which is required in the underwriting of a Disability Income Insurance application of a self-employed person is the…
(A) Computerized payslip
(B) certified letter from the company
(C) Notice of Assessment for the last 3 years
(D) Central Provident Fund Statement (6 months)
(C) Notice of Assessment for the last 3 years
Q11: Nicole, a Disability Income underwriter, is assessing some risk proposals. Which is a factor for underwriting consideration by Nicole?
(A) Insured’s address
(B) Previous convictions
(C) Insured’s occupation
(D) Number of dependants.
(C) Insured’s occupation
Q12: Mike is an underwriter working for a Health Insurer. Mike is reviewing policy wordings of Long-Term insurers and notes that it is usual for Long-Term Care insurers to usually pay benefits monthly or…
(A) daily
(B) weekly
(C) quarterly
(D) annually
(A) daily
Q13: Joan has a Health Insurance policy. Under the Activities of Daily Living(ADLs) section of her policy, Joan’s ability to move from a bed to an upright chair or wheelchair, and vice versa is known as…
(A) feeding
(B) mobility
(C) toileting
(D) transferring.
(B) mobility
Q14: Dread Disease Insurance is now commonly known as…
(A) Critical Illness Insurance
(B) Major Medical Insurance
(C) Severe Disease Insurance
(D) Permanent Health Insurance
(A) Critical Illness Insurance
Q15: The waiting period of a Critical Illness Insurance policy for severe stage of major cancer is usually…
(A) 14 days.
(B) 30 days
(C) 90 days
(D) 120 days
(C) 90 days
Q16: Under the terms of the Critical Illness Framework 2019, insurers must adopt a 90-day waiting period for the severe stage of…
(A) COVID-19
(B) Meningitis
(C) Depression
(D) Coronary Artery By-Pass Surgery
(D) Coronary Artery By-Pass Surgery
Q17: Jane wishes to purchase Critical Illness insurance covering pregnancy related complications and congenital illness. In Singapore, it is possible for Jane to purchase such term insurance which is usually valid for
(A) 3-6 months.
(B) 6-12 months
(C) 2-3 years
(D) 3-6 years
(D) 3-6 years
Q18: For a Group Dental Care Insurance, the Schedule of Allowances would usually states the…
(A) premium amts and frequency.
(B) detailed terms and conditions of the policy.
(C) benefits or procedures covered under the policy.
(D) policy inception date and validity period of the policy.
(C) benefits or procedures covered under the policy.
Q19: Which circumstances will allow Mr Lim to claim for medical expense benefits under his Travel Insurance while he is overseas?
(A) Aesthetic surgery overseas
(B) Self-inflicted injury overseas
(C) Routine health check-up conducted overseas
(D) Emergency accidental dental treatment overseas
(D) Emergency accidental dental treatment overseas
Q21: Which type of Health Maintenance Organization Model has the greatest cost control although its members have the lowest choice of providers?
(A) Staff.
(B) Group.
(C) Network.
(D) Independent Practitioners Association.
(A) Staff.
Q22: There are several types of hospitalization and day surgery expenses that can be paid with MediSave. The inpatient daily hospital limit applies if the patient is admited to the hospital for at least ___ hours.
(A) 4
(B) 6
(C) 8
(D) 12
(C) 8
