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Q 1. Which component of the policy document is unique to each insured person ?

The preamble
The policy schedule
The operating clause
The annexure
The exclusions

UnAttempted

CORRECT ANSWER:

The policy schedule

Explanation:

The policy schedule is the part of the policy document which is unique to each insured person.

Q 2. The act passed on recommendation of Malhotra Committee report was __________.

The Insurance Act 1932
Life Insurance Corporation Act 1957
Public Liability Insurance Rules 1991
General Insurance Business Amendment Act 2002
The Insurance Regulatory and Development Authority (IRDAI) Act 1999

UnAttempted

CORRECT ANSWER:

The Insurance Regulatory and Development Authority (IRDAI) Act 1999

Explanation:

Based on the Malhotra Committee Report the Insurance Regulatory and Development Authority (IRDA)
Act, 1999 was passed in December 1999 and The Insurance Regulatory and Development Authority
(IRDA) was established to regulate, promote and ensure orderly growth of the insurance and
reinsurance business.

Q 3. Study the following scenario carefully and identify who will pay for the claims of this
accident. A serious fire occurred in the insured’s factory due to flammable liquids. The fire
Insurance policy has included the clause of excluding claims where flammable liquids
have been involved.
Third Party Insurance Pool
Co-insurer
Insured’s insurance company

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Insured will pay from his own pocket as the clause was added in policy
Insured with claim from goods, Supplier’s insurance company

UnAttempted

CORRECT ANSWER:

Insured will pay from his own pocket as the clause was added in policy

Explanation:

When a claim occurs, the insured will check to ensure that there are no clauses or warranties
restricting cover in certain areas processes e.g. excluding claims where flammable liquids have been
involved.

In the above case, Insured will pay from his own pocket as the clause was added in policy.

Q 4. From the given options, identify the reinsurer in India.

United India Insurance Co. Ltd
The Oriental Insurance Co. Ltd.
The New India Assurance Co. Ltd.
National Insurance Co. Ltd.
General Insurance Corporation of India

UnAttempted

CORRECT ANSWER:

General Insurance Corporation of India

Explanation:

General Insurance Corporation of India (brand name - GIC Re) was originally the holding company of
the 4 Public Sector General Insurance Companies. Later in 2000, GIC was approved as an Indian
reinsurer with the aim of optimising retention of reinsurance business within the country and
developing adequate reinsurance capacity.

Q 5. __________________ determines the amount of premium charges to the insured.

Share broker
Banker
Insurance Agent
Insurance broker
Insurance underwriters

UnAttempted

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CORRECT ANSWER:

Insurance underwriters

Explanation:

Underwriters study the pattern of reserves development to understand the true cost of claims for
whole classes of business to determine the appropriate pure risk premiums going forward.

Q 6. What is the other name for Triangulation technique?

Triennial Calculation
Steps Formulation
Trigonometric Technique
Modern Portfolio
Chain Ladder Technique

UnAttempted

CORRECT ANSWER:

Chain Ladder Technique

Explanation:

The Triangulation or Chain Ladder technique is a simple operation to give an idea of the claims
development in a risk or sub-class over a number of years.

The idea is to display and compare the development of claims from different years, using tables
usually in the shape of a triangle.

Q 7. State the reason as to why the rule of Contra proferentum favours the insured.
Insurance deals with uncertainty and therefore any uncertainty should be the burden of the
insurer
Insurers are generally considered to be financially better placed than the insured.
The contract was drafted by the insurer and should not be able to benefit from any ambiguity
therein.
Insurance Contract documents contain difficult conditions
Insurance is expected to protect policyholders interest and therefore should favour the
customer

UnAttempted

CORRECT ANSWER:
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The contract was drafted by the insurer and should not be able to benefit from any ambiguity
therein.

Explanation:

Contra proferentum rule (which effectively says against the offerin party) states that where contractual
language is capable of two alternative interpretations, it will be construed against the insurer who
drafted the contract and in favour of the insured, who accepts the wording.

This is because the insurer will have chosen the language used and should not be able to benefit from
any ambiguity contained within it.

Q 8. An insurance company which is planning to introduce new insurance products, expect

premiums of almost Rs. 700 crores in a year. As per IRDAI guidelines, what is their
minimum required investment into central government securities?
Rs. 80 crores
Rs. 140 crores
Rs. 200 crores
Rs. 300 crores
Rs. 700 crores

UnAttempted

CORRECT ANSWER:

Rs. 140 crores

Explanation:

In India, the insurance premium investment structure is laid down very clearly under the Insurance
Regulatory and Development Authority (Investment) Regulations, 2000.

Minimum required investment into Central Government Securities is not less than 20%. Thus, 20% of
700 crores is Rs.140 Crores.

Q 9. What does alteration to the risk refer to, in policy conditions?

The benefit of the policy will be forfeited should it be discovered that the claim is any way
fraudulent
Claim will vary from cover to cover
The insured must comply with the terms of the policy
Insured is to take reasonable cate to prevent/minimize loss
The insured must notify the insurer should there be a change to the risk

UnAttempted

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CORRECT ANSWER:

The insured must notify the insurer should there be a change to the risk

Explanation:

Conditions are as critical to the understanding of the cover, as are the exceptions. They describe to the
insured what he or she must do or must not do. Traditionally, conditions appear towards the end of the
policy.

Alteration to the risk condition states that the insured must notify the insurer should there be a change
to the risk.

Q 10. ______________ involves a decision on risk acceptance.

Format
Insurance
Underwriting
Claim
None of the above

UnAttempted

CORRECT ANSWER:

Underwriting

Explanation:

The underwriting process consists of receipt, evaluation, acceptance of risk, determining policy terms
and conditions, pricing and exposure management.

Q 11. Identify from the following, the incorrect statement with regards to Endorsement.
Endorsement is normally used when the terms of an insurance are to be same
With the consent of both parties, the polices may be amended from time to time
Endorsement is normally used when the terms of an insurance contract are to be varied
The insurer prepares an endorsement for attachment to the policy
Endorsement is issued on standard forms or are separately typed or are written on the policy
itself

UnAttempted

CORRECT ANSWER:

Endorsement is normally used when the terms of an insurance are to be same

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Explanation:

With the consent of both parties, the policy may be amended from time to time. The insurer then
prepares an endorsement for attachment to the policy.

Endorsements are normally used when the terms of an insurance contract are to be varied.
Endorsements are attached to the policy document and the two together constitute the evidence of the
insurance contract. Endorsements may be issued during the currency of the policy, e.g., when
alterations in the risks are to be

recorded. They could also be issued at the time of the issue of the policy to provide specific exclusion
from the cover or specific extension to include an additional peril. Endorsements are issued on
standard forms, or are separately typed, or are written on the policy itself.

Q 12. Which type of information will not be required, if Mr. Batra wants an insurance policy for
his new motor vehicle?
Turnover of business
Purpose of Vehicle
Where the vehicle parked
Security features of vehicle
Vehicle Identification number

UnAttempted

CORRECT ANSWER:

Turnover of business

Explanation:

In case of Motor insurance, in order to understand more details about the risk to be covered the insurer
requires details of the vehicles and the drivers. They may ask questions relating to the garaging of the
vehicle or whether the vehicle has been modified.

Turnover of business is required in the case of Liability insurance and not for Motor insurance.

Q 13. The risk which is not covered under the Marine insurance is ________.
Loss of ocean going steamer against risk of earth quake
Loss of property against risk of delayed delivery
Loss of motor boat against risk of fire
Loss of goods in transit in the Ganga River
Loss of fishing vessel against risk of storm

UnAttempted

CORRECT ANSWER:
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Loss of property against risk of delayed delivery

Explanation:

Marine insurance, the oldest branch of insurance, comprises: Cargo insurance and Hull insurance.

Marine Hull Insurance – covers loss or damage to the actual structure of the vessel and its machinery

Marine Cargo Insurance – covers loss or damage to the cargo on the carrying vehicle, vessel, etc. and
during incidental storage.

Q 14. Many customers visit each day to Lakshmi Mills as it is very popular garment outlet. One
day a customer hid himself in the trial room and at night stole a big lot of garments and
escaped by breaking and opening the rear door. In the above scenario, identify the
treatment under the Burglary policy.
Since the burglar had hid himself in the building, this is theft and not burglary and hence claim
is not payable.
Claim not payable as rear door was broken from inside
Claim is admissible as there is forcible exit
Claim not payable as there was no forcible entry
Claim not payable as forcible exit is not covered in a Burglary policy

UnAttempted

CORRECT ANSWER:

Claim not payable as there was no forcible entry

Explanation:

Burglary insurance is a major business in the miscellaneous class of insurance. The policy is available
to commercial establishments, factories, godowns, shops etc.

Property in any form, including cash, in the business premises can be covered.

The risks covered are:

Theft of property after actual forcible and violent entry into the premises or
theft following actual, forcible and violent exit from the premises.
Damage to insured property or premises by burglars

Q 15. ________________condition is used by underwriting to discourage small claims and to

give the insured a financial interest in the management of the risk.
Shortage
Malus

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Admissible
Deductible

UnAttempted

CORRECT ANSWER:

Deductible

Explanation:

Deductible is a standard form of policy terms and conditions which is also known as ‘excess’. The
insured must pay the first part of any claim.

The purpose is twofold:

to discourage small claims

to give the insured a financial interest in the management of the risk

Q 16. Which terms lay down the basic norms to be followed by the buyer and seller and their
responsibilities and duties?
INCO Terms
Maritime terms
International Register of Shipping
Institute Cargo Clauses
Inland Transit Clauses

UnAttempted

CORRECT ANSWER:

INCO Terms

Explanation:

Incoterms® are the selling terms that the buyer and seller of goods both agree to during international
transactions. These rules are accepted by governments and legal authorities around the world.

Understanding Incoterms® is a vital part of International Trade because they clearly state which tasks,
costs and risks are associated with the buyer and the seller.

Q 17. __________________ provides the legal framework for transaction of cargo insurance.
Indian Shipping Act
Insurance Act

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Marine Insurance Act

Carriers Act
Multimodal Transport Act

UnAttempted

CORRECT ANSWER:

Marine Insurance Act

Explanation:

Marine Insurance Act, 1963 Act provides the legal framework for transaction of marine insurance –
both cargo and hull. The act deals with basic principles, basis of valuation under the policies, basis of
settlement of losses etc.

Q 18. As per The Motor Vehicles Act, ___________________ is not included in a certificate of
insurance.
Date of expiry of insurance
Driver’s License Number
Registration number
Name and Address of the Insured
Description of the Vehicles Insured

UnAttempted

CORRECT ANSWER:

Driver’s License Number

Explanation:

In motor insurance, in addition to the policy a certificate of insurance is required by the Motor Vehicles
Act. This certificate provides evidence of insurance to the Police and Registration authorities (R T O). It
contains the essential features of the cover, including the terms and conditions.

The points covered under a certificate of insurance differ according to the type of vehicle insured. The
items of information included in a certificate of insurance are as under:

Registration mark and number, or description of the Vehicles insured /

Cubic capacity / carrying capacity / Make / Year of manufacture, Engine No., Chassis No.
Name and Address of the Insured.
Effective date and time of commencement of insurance for the purpose of the Act. Time……,
Date……
Date of expiry of insurance.
Persons or classes of persons entitled to drive.
Limitations as to use.
Additional risks, if any
Special conditions

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Q 19. Contribution in claim closure process means ___________________.

The sharing of a claim between three insurers
The sharing of a claim between two insurers
The sharing of a claim between two co-insurers
The sharing of a claim between group of insurers
The sharing of a claim between insured and insurers

UnAttempted

CORRECT ANSWER:

The sharing of a claim between group of insurers

Explanation:

In the claim closure process, Contribution can be explained as follows:

There will be times when the same property is insured by two different insurers under different
polices. As long as there is more than one policy covering same property, same interest, same peril the
loss will be shared proportionately between the insurers concerned (one insurer will control the claim
and then recover appropriate amount from the other insurer/s.)

Q 20. An application for claim for relief must be made by the affected party within how many
years of the occurrence of the accident, according to the Public Liability Insurance Act of
1991.
1 year
2 years
3 years
4 years
5 years

UnAttempted

CORRECT ANSWER:

5 years

Explanation:

According to the Public Liability Insurance Act of 1991, an application for claim for relief must be made
by the affected party, within 5 years of occurrence of the accident, to the Collector who shall hold an
enquiry and make an award.

The insurer is required to deposit the award with the Collector within 30 days of announcement of the
award.
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Q 21. IBNER means ________________________.

Incurred But Not Early Reported
Incurred But Not Enough Reported
Incurred But Not Exactly Reported
Incurred But Not Equally Reported
Incurred But Not Everything Reported

UnAttempted

CORRECT ANSWER:

Incurred But Not Enough Reported

Explanation:

IBNER means Incurred But Not Enough Reported.

The accounting estimates shall also include claims cost adjusted for estimated salvage value if there is
sufficient degree of certainty of its realisation.

Q 22. The Life Insurance Corporation Act was enacted in the year ____________.
1960
1956
1957
1955
1856

UnAttempted

CORRECT ANSWER:

1956

Explanation:

The Parliament of India passed the Life Insurance Corporation Act on the 19th of June 1956, and the
Life Insurance Corporation of India was created on 1st September, 1956, with the objective of
spreading life insurance much more widely and in particular to the rural areas with a view to reach all
insurable persons in the country, providing them adequate financial cover at a reasonable cost.

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Q 23. In India, commission for brokers range up to ________%.

17.00
17.50
17.25
17.75
17.35

UnAttempted

CORRECT ANSWER:

17.50

Explanation:

Commission is particularly relevant in the corporate insurance market which, globally, tends to use
professional brokers as the main distribution method. Their products are not commoditised and
frequently need tailoring or customisation. Obtaining quotes from a single insurer does not make
business sense and the insured does not have the time or ability to discuss with all potential markets.

Commissions in India for the broking market range upto 17.5%

Q 24. Complete the following statement with appropriate option: “Without skills of the
underwriter, profitable utilization of capital is ________________.”
possible
not impossible
not possible
may be possible
always possible

UnAttempted

CORRECT ANSWER:

not possible

Explanation:

Without the skills of the underwriter, profitable utilisation of capital is not possible. Underwriters
decide whether insurance cover is to be granted or not.

If cover is to be granted, then the underwriters will decide at what terms, conditions and exceptions it
will be granted.

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Q 25. Identify the incorrect statement with respect to the floater policy.
Unspecified locations are allowed
Unspecified locations are not allowed
The insured may have stocks in two or more godowns
These policies cover stocks at various locations under one sum insured.
The insured is able to declare for insurance the total value of goods in all godowns

UnAttempted

CORRECT ANSWER:

Unspecified locations are allowed

Explanation:

Floater policies cover stocks at various specific locations under one sum insured. The insured may
have stocks in two or more godowns. He is able to declare for insurance the total value of goods in all
godowns but not separate values for each godown.

Unspecified locations are not allowed. Similarly, in a manufacturing risk, the stocks in the process
blocks, godowns and / or in the open can be covered under one sum insured.

Q 26. Which of the following is approved as an Indian reinsurer with the aim of optimising
retention of reinsurance business within the country and developing adequate
reinsurance capacity?
The oriental Insurance Co. Ltd.
National Insurance Co. Ltd.
United Insurance Co. Ltd
The New India Assurance Co. Ltd.
General Insurance Corporation of India

UnAttempted

CORRECT ANSWER:

General Insurance Corporation of India

Explanation:

General Insurance Corporation of India (brand name - GIC Re) was originally the holding company of
the 4 Public Sector General Insurance Companies.

Later in 2000, GIC was approved as an Indian reinsurer with the aim of optimising retention of
reinsurance business within the country and developing adequate reinsurance capacity.

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Q 27. _________________ insurance policy is concerned with damages to turnkey projects

during constructional phase.
Personal Accident
Marine
Cargo
Motor Vehicle
Engineering

UnAttempted

CORRECT ANSWER:

Engineering

Explanation:

The turnkey projects meaning a contract under which a firm agrees to fully design, construct and equip
a manufacturing/ business/ service facility and turn the project over to the purchaser when it is ready
for operation for remuneration.

Engineering Insurance provides different policies for insurance needs during construction and
operational phase of a project.

Q 28. Identify the insurance policy required by Mr. Shah who has recently purchased a fishing
vessel which he plans to lease out.
Floating policy
Marine cargo policy
Long term policy
Motor insurance policy
Marine hull insurance policy

UnAttempted

CORRECT ANSWER:

Marine hull insurance policy

Explanation:

Marine Hull insurance comprises the insurance of ocean going ships and other vessels such as fishing
vessels, sailing vessels, inland vessels, etc. which are known as “Sundry Vessels”.

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Q 29. Identify from the following, the risks which are not covered under a Package Policy of
motor insurance.
Accidental external means
Burglary, house breaking or theft
Fire explosion, self – ignition or lightning
Mechanical breakdown
Transit by road, rail, inland waterway, lift elevator or air

UnAttempted

CORRECT ANSWER:

Mechanical breakdown

Explanation:

Under a Package Policy of motor insurance, the Company shall not be liable to make any payment in
respect of :-

(a) consequential loss, depreciation, wear and tear, mechanical or electrical breakdown, failures or
breakages;

(b) damage to tyres and tubes unless the vehicle is damaged at the same time in which case the
liability of the company shall be limited to 50% of the cost of replacement. and

(c) any accidental loss or damage suffered whilst the insured or any person driving the vehicle with the
knowledge and consent of the insured is under the influence of intoxicating liquor or drugs.

Q 30. Claims are processed on the basis of the ______ and survey report, under the Money
Insurance Policy.
Special Report
TPA Report
Police Report
Search Report
Underwriter Report

UnAttempted

CORRECT ANSWER:

Police Report

Explanation:

The risks covered under Money Insurance are theft, robbery and accident. On payment of additional
premium the policy may be extended to cover dishonesty of persons carrying the cash, riot, strike and
terrorism risks, disbursement risk, that is loss during payment of wages to employees, etc.

Claims are processed on the basis of the police report and survey report.

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Q 31. Which of the following statement is not true with regards to commercial insurance
products?
It must address the issues and guidelines of the Protection of policyholder rights
The product has to be designed by the Product management Committee of the insurer
A product filed for commercial customers can be sold to individuals.
The Underwriting Policy of the insurer must be adhered at all times
It should meet the solvency norms and be reasonable with regard to affordability and
appropriateness of the product.

UnAttempted

CORRECT ANSWER:

A product filed for commercial customers can be sold to individuals.

Q 32. Identify from the following, the roles which are not performed by the Loss Adjuster.
Claim Settlement & payment
Damage reclamation services
Checking the presenting claim accuracy
Checking on whether any other aspects may affect an insurance company’s liability
Checking whether the insurance company is liable under the insurance policy

UnAttempted

CORRECT ANSWER:

Claim Settlement & payment

Explanation:

The role of the loss adjuster is likely to include the following:

Checking whether the insurance company is liable under the insurance policy;
Checking on whether any other aspects may affect an insurance company’s liability
Damage reclamation services: range from independent technical advice, through expert
guidance on loss limitation opportunities, to specific options to recover and restore damaged
property
Reporting to the insurers after each and every visit, commenting on the loss reserves and
incorporating facts, opinions and recommendations, when appropriate
Checking the presenting claim for accuracy etc
Checking whether someone else may have been responsible for the loss
Negotiate with product / service providers on time for cost of repairs, for the purpose of making
an offer of settlement to the insured
Satisfy himself that the policyholder has an insurable interest
Check whether there are any other policies, which may be brought into the apportionment of loss
and what they should be.

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Q 33. Identify the incorrect statement from the following with regards to Pedal Cycle Insurance.
Theft is covered
Burglary is covered
Fire is covered
Lighting is covered
Earthquake is covered

UnAttempted

CORRECT ANSWER:

Earthquake is covered

Explanation:

Pedal Cycle Insurance policy covers loss of or damage to the cycle by fire, lightning,
explosion, burglary, housebreaking, theft and accidental external means.

It also covers the insured’s legal liability for bodily injury to third parties and for the loss of or damage
to the property of third parties. The policy may be extended to cover personal accident insurance
benefits on payment of additional premium.

Q 34. ______ covers are related to the total amount of claims in a year over and above a
particular limit or loss ratio.
Treaty
Surplus
Stop Loss
Premium
Proportionate

UnAttempted

CORRECT ANSWER:

Stop Loss

Q 35. An endorsement follows a request for changes in the policy. Which of the following will
not be a subject for an endorsement ?
Cancellation of cover
Increase in sum insured
Decrease in sum assured
Change in renewal date
Change in insured's address

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UnAttempted

CORRECT ANSWER:

Change in insured's address

Explanation:

A change in insured's address is not a subject of an endorsement.

Q 36. Which of the following is a TRUE statement ? Fraud is a _______ .

Condition Precedent
Condition Subsequent
Implied Condition
Assumed Condition
Legal Condition

UnAttempted

CORRECT ANSWER:

Condition Subsequent

Explanation:

Fraud is a condition subsequent.

Condition subsequent to the contract refers to an act or event that cancels a contractual right eg. any
act of fraud within the claim process on the part of the insured would immediately cancel the insurer's
obligation to continue with the claim.

Q 37. A fire deliberately caused by the insured is called ________ .

Accident
Arson
Immolation
Deliberation
Malicious Damage

UnAttempted

CORRECT ANSWER:

Arson

Explanation:

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Arson is a criminal offence of burning ones own property to defraud.

Q 38. What is the compensation payable for death in cases relating to principal of no fault under
Sec 140 of Motor Vehicles Act 1988 ?
Rs. 10000
Rs. 50000
Rs 100000
Rs 250000
Rs 500000

UnAttempted

CORRECT ANSWER:

Rs. 50000

Q 39. Which of the following is an ex-gratia payment?

Payment made when policy is cancelled
Payment made when risk is not covered under policy
Payment made when policy is voided
All of the above
None of the above

UnAttempted

CORRECT ANSWER:

Payment made when risk is not covered under policy

Explanation:

An ex-gratia payment relates to the event when the claim is not covered but for business reasons,
payment is made.

Q 40. What does leakage relate to ?

A drop in claims reserves
Claim losses which can be recovered through subrogation, excess etc.
Cash losses from employee embezzlement
Losses due to online fraud
None of the above

UnAttempted

CORRECT ANSWER:

Claim losses which can be recovered through subrogation, excess etc.

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Explanation:

Leakages relate to the losses a company has every right to recover but does not i.e. contribution,
subrogation etc.

Q 41. Which of these pools is not managed by GIC ?

Fire Catastrophe Pool
Third Party Motor Pool
Terrorism Pool
Marine Hull Pool
None of the above

UnAttempted

CORRECT ANSWER:

Fire Catastrophe Pool

Explanation:

The Fire Catastrophe Pool does not exist.

Q 42. Pricing of insurance products is done by ________ .

Underwriter
Surveyor
Assessor
Risk Engineer
Actuary

UnAttempted

CORRECT ANSWER:

Actuary

Explanation:

Actuaries do the pricing of insurance products.

Q 43. Which type of fire policy covers stocks at various locations under one sum assured ?
Common Policy
Declaration Policy
Long term policy

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Floating policy
Consequential loss policy

UnAttempted

CORRECT ANSWER:

Floating policy

Explanation:

Floating policy covers stocks at various locations under one sum assured.

Q 44. ______ hazard is not one of the prime hazards an underwriter looks at.
Physical
Moral
Risk
Financial
All of the above

UnAttempted

CORRECT ANSWER:

Risk

Explanation:

Financial, Physical and Moral are the three hazards, risk is the odd one out.

Q 45. The proposals for imported motor vehicles are accepted subject to _________ .
Country of import
Depreciated value
Market value
Damage
Condition

UnAttempted

CORRECT ANSWER:

Condition

Q 46. Who arranges the re-insurance on behalf of insurer ?

Sales Agents

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Corporate agents
Individual agents
Re-insurance brokers
Bancassurance

UnAttempted

CORRECT ANSWER:

Re-insurance brokers

Q 47. For what is the Trial Balance used ?

To prepare the Premium Register
To prepare the cash book
To prepare the account book
To prepare the Balance sheet
To prepare the Pass book

UnAttempted

CORRECT ANSWER:

To prepare the Balance sheet

Explanation:

The Trial Balance forms the basis of making entries in the Balance Sheet.

Q 48. What is not an implied condition of insurance ?

Contribution
Legality of object
Insurable interest
Existence of subject matter
Utmost good faith

UnAttempted

CORRECT ANSWER:

Existence of subject matter

Q 49. If a / an _________ issues a Claim Form, it does not constitute an admission of liability on
its part.
Agent
Insured
Claimant

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Broker
Insurer

UnAttempted

CORRECT ANSWER:

Insurer

Explanation:

Even if the insurer issues a claim form, it does not mean that it has admitted to the liability and will pay
the claim amount.

Q 50. In PA, the coverage for loss of two limbs and two eyes is ____ %.
25
50
75
95
100

UnAttempted

CORRECT ANSWER:

100

Explanation:

As per Table C of a PA policy - Loss of two limbs / both eyes / one limb and one eye wherein 100% of
the capital sum insured is payable.

Out of 50 questions 50 are un attempted.

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