Health Insurance Mock Exam
HEALTH INSURANCE
(5th Edition)
Mock Exam
Prudential Assurance Company Singapore (Pte) Limited 1
Strictly for internal use only. Based on 5th Edition Text, Version 1.3 (1/11/2015)
,Health Insurance Mock Exam 1
Mock Exam 1
C1/2
1. The "Healthcare 2020" Masterplan to improve healthcare services for Singaporeans put
together by the Ministry of Health focuses on _____________.
A. enhancing accessibility, quality and wide network for healthcare.
B. promoting health, prevent and reduce illness.
C. providing good, affordable and quality healthcare.
D. enhancing accessibility, quality and affordability of healthcare.
C1/3.3
2. Intermediate and Long Term Care (ILTC) services are for those who need further care and
treatment after discharge from the hospital, who may need assistance with their activities of
daily living. This can be through :
A. Home based services.
B. Centre-based services.
C. Residential ILTC services
D. All of the above
C2/2.1.1(i)
3. Under Medical Expense Insurance, what is not included in Inpatient Expenses?
A. Daily Room and Board Charges
B. Emergency Accidental Treatment Charges
C. Surgeon’s Fees
D. Congenital Anomalies
C2/2.1.1(iii)
4. Which of the following is covered under catastrophic outpatient expenses in Medical Expense
Insurance Policy?
A. Outpatient liver treatment charges
B. Outpatient kidney treatment charges
C. Outpatient Hepatitis B Vaccination
D. Outpatient assisted conception procedures
C2/2.2.3
5. Miscarriage Benefit in a Medical Expense Policy provides for:
A. The reimbursement of expenses in a willful termination to a pregnancy.
B. The reimbursement of Assisted Conception Procedure treatments.
C. The reimbursement of charges incurred for the consultation of a specialist
within a number of days before termination.
D. The reimbursement of medical expenses in an ectopic pregnancy.
Prudential Assurance Company Singapore (Pte) Limited 2
Strictly for internal use only. Based on 5th Edition Text, Version 1.3 (1/11/2015)
,Health Insurance Mock Exam 1
C2/3.3
6. Mr. Lim is buying a policy for himself and his wife and 2 children of the same premium each.
What is the premium payable given the following?
Mr. Ang’s premium $182.31
Mrs. Ang’s premium $227.89
1 child’s premium $102.50
A. $512.70
B. $584.44
C. $615.20
D. $487
C2/3.5.1
7. Which of the following is NOT a characteristic of medical expense insurance?
A. Pro ration factor and co-insurance.
B. Deductibles apply for all treatments.
C. Impose Sub- Limits.
D. Can be issued as a rider or stand-alone.
C2/3.5.1
8. Which of the following statement is TRUE?
A. Per disability/per year deductible is more restrictive as compared to per disability/per
claim deductible.
B. The same sickness or injury within the same policy year applies to “per disability/per
claim deductible”.
C. Per annum deductible includes a variety of covered sickness or injuries within a
policy year.
D. Under per disability/per year deductible, the insured will have to bear the deductible
each time he makes a claim regardless of the number claims made within the same
year.
C2/3.5.3
9. When the insured person is admitted to a ward higher than what he is entitled to under his
existing plan, ___________is applied on the actual charges incurred and covered under the
policy. It will cause actual benefits payable to be reduced.
A. Deductible
B. Co –insurance
C. Means Testing
D. Pro- ration factor
Prudential Assurance Company Singapore (Pte) Limited 3
Strictly for internal use only. Based on 5th Edition Text, Version 1.3 (1/11/2015)
, Health Insurance Mock Exam 1
C3/2
10. Which of the following characteristics of group insurance is important to the underwriter in
determining the “feel” of future claim experience?
A. Minimal underwriting requirement, as employee only need to complete a health
declaration form.
B. Experience-rating, as it is usually underwritten based on past claims experience.
C. Cost effective, as it provides low cost protection.
D. Plan is renewable by the employer on a yearly basis.
C3/2
11. Group Polices often have an “actively at work” clause. In order to be eligible for the cover,
this clause requires:
A. The employee to be under a compulsory scheme.
B. The employee to be full time employed on the day the insurance coverage takes effect.
C. The employee to be at work on the day the insurance coverage takes effect.
D. The employee to obtain official Medical Certificate if he is unwell on the day the
insurance coverage takes effect.
C3/4.1
12. Which of the key factor in Portable Medical Benefit Scheme is most correct?
A. Employees will be medically insured in between jobs.
B. Employers are automatically granted tax deduction.
C. Employees contribute and pay through his own Medisave.
D. Employees have no control over the policy.
C3/4.2
13 When an employee leaves his current company, medical benefits provided by his employer
will automatically be terminated. Which of the following plans purchased by the employer
will solve this problem?
A. Group Medical Expense Insurance
B. Portable Medical Benefit Scheme
C. Transferable Medical Insurance Scheme
D. Integrated Shield Plans
Prudential Assurance Company Singapore (Pte) Limited 4
Strictly for internal use only. Based on 5th Edition Text, Version 1.3 (1/11/2015)
HEALTH INSURANCE
(5th Edition)
Mock Exam
Prudential Assurance Company Singapore (Pte) Limited 1
Strictly for internal use only. Based on 5th Edition Text, Version 1.3 (1/11/2015)
,Health Insurance Mock Exam 1
Mock Exam 1
C1/2
1. The "Healthcare 2020" Masterplan to improve healthcare services for Singaporeans put
together by the Ministry of Health focuses on _____________.
A. enhancing accessibility, quality and wide network for healthcare.
B. promoting health, prevent and reduce illness.
C. providing good, affordable and quality healthcare.
D. enhancing accessibility, quality and affordability of healthcare.
C1/3.3
2. Intermediate and Long Term Care (ILTC) services are for those who need further care and
treatment after discharge from the hospital, who may need assistance with their activities of
daily living. This can be through :
A. Home based services.
B. Centre-based services.
C. Residential ILTC services
D. All of the above
C2/2.1.1(i)
3. Under Medical Expense Insurance, what is not included in Inpatient Expenses?
A. Daily Room and Board Charges
B. Emergency Accidental Treatment Charges
C. Surgeon’s Fees
D. Congenital Anomalies
C2/2.1.1(iii)
4. Which of the following is covered under catastrophic outpatient expenses in Medical Expense
Insurance Policy?
A. Outpatient liver treatment charges
B. Outpatient kidney treatment charges
C. Outpatient Hepatitis B Vaccination
D. Outpatient assisted conception procedures
C2/2.2.3
5. Miscarriage Benefit in a Medical Expense Policy provides for:
A. The reimbursement of expenses in a willful termination to a pregnancy.
B. The reimbursement of Assisted Conception Procedure treatments.
C. The reimbursement of charges incurred for the consultation of a specialist
within a number of days before termination.
D. The reimbursement of medical expenses in an ectopic pregnancy.
Prudential Assurance Company Singapore (Pte) Limited 2
Strictly for internal use only. Based on 5th Edition Text, Version 1.3 (1/11/2015)
,Health Insurance Mock Exam 1
C2/3.3
6. Mr. Lim is buying a policy for himself and his wife and 2 children of the same premium each.
What is the premium payable given the following?
Mr. Ang’s premium $182.31
Mrs. Ang’s premium $227.89
1 child’s premium $102.50
A. $512.70
B. $584.44
C. $615.20
D. $487
C2/3.5.1
7. Which of the following is NOT a characteristic of medical expense insurance?
A. Pro ration factor and co-insurance.
B. Deductibles apply for all treatments.
C. Impose Sub- Limits.
D. Can be issued as a rider or stand-alone.
C2/3.5.1
8. Which of the following statement is TRUE?
A. Per disability/per year deductible is more restrictive as compared to per disability/per
claim deductible.
B. The same sickness or injury within the same policy year applies to “per disability/per
claim deductible”.
C. Per annum deductible includes a variety of covered sickness or injuries within a
policy year.
D. Under per disability/per year deductible, the insured will have to bear the deductible
each time he makes a claim regardless of the number claims made within the same
year.
C2/3.5.3
9. When the insured person is admitted to a ward higher than what he is entitled to under his
existing plan, ___________is applied on the actual charges incurred and covered under the
policy. It will cause actual benefits payable to be reduced.
A. Deductible
B. Co –insurance
C. Means Testing
D. Pro- ration factor
Prudential Assurance Company Singapore (Pte) Limited 3
Strictly for internal use only. Based on 5th Edition Text, Version 1.3 (1/11/2015)
, Health Insurance Mock Exam 1
C3/2
10. Which of the following characteristics of group insurance is important to the underwriter in
determining the “feel” of future claim experience?
A. Minimal underwriting requirement, as employee only need to complete a health
declaration form.
B. Experience-rating, as it is usually underwritten based on past claims experience.
C. Cost effective, as it provides low cost protection.
D. Plan is renewable by the employer on a yearly basis.
C3/2
11. Group Polices often have an “actively at work” clause. In order to be eligible for the cover,
this clause requires:
A. The employee to be under a compulsory scheme.
B. The employee to be full time employed on the day the insurance coverage takes effect.
C. The employee to be at work on the day the insurance coverage takes effect.
D. The employee to obtain official Medical Certificate if he is unwell on the day the
insurance coverage takes effect.
C3/4.1
12. Which of the key factor in Portable Medical Benefit Scheme is most correct?
A. Employees will be medically insured in between jobs.
B. Employers are automatically granted tax deduction.
C. Employees contribute and pay through his own Medisave.
D. Employees have no control over the policy.
C3/4.2
13 When an employee leaves his current company, medical benefits provided by his employer
will automatically be terminated. Which of the following plans purchased by the employer
will solve this problem?
A. Group Medical Expense Insurance
B. Portable Medical Benefit Scheme
C. Transferable Medical Insurance Scheme
D. Integrated Shield Plans
Prudential Assurance Company Singapore (Pte) Limited 4
Strictly for internal use only. Based on 5th Edition Text, Version 1.3 (1/11/2015)
