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12-March-240 of 10 questions completed
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IIQEDataBase Free Practice Questions
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Damage to both the epidermis and the underlying dermis happens in which type of burn?
Second degree burns: damage to both the epidermis and the underlying dermis due to burns.
Second degree burns: damage to both the epidermis and the underlying dermis due to burns.
“New for old” effect covers the articles which are not older than how many years?
New for old: Some policies provide ‘new for old’ cover, possibly restricted to articles not older than one year.
New for old: Some policies provide ‘new for old’ cover, possibly restricted to articles not older than one year.
What are the exclusions of baggage delay?
I. The baggage delay cover is normally on a named perils basis, rather than on an all risks basis.
II. Delay not certified by the airline or tour operator.
III. Delay arising from detention or confiscation by customs or other law enforcement officials.
IV. Emergency purchases of essential items of toiletries or clothing consequent upon temporary deprivation of baggage.
Exclusions may include:
(i) delay not certified by the airline or tour operator; and
(ii) delay arising from detention or confiscation by customs or other law enforcement officials.
Exclusions may include:
(i) delay not certified by the airline or tour operator; and
(ii) delay arising from detention or confiscation by customs or other law enforcement officials.
What are the exclusions included in loss of travel document?
I. Travel documents lost as a result of theft, robbery or burglary (or any other insured peril) during the insured trip and outside the place of origin
II. Mysterious disappearance of documents.
III. The cost of replacing travel documents or visas which are no longer needed for completing the trip.
IV. A loss which has not been reported to the police within 24 hours of the discovery of the loss, or for which a police report has not been obtained.
Exclusions may include:
(i) A loss which has not been reported to the police within 24 hours of the discovery of the loss, or for which a police report has not been obtained;
(ii) Mysterious disappearance of documents;
(iii) The cost of replacing travel documents or visas which are no longer needed for completing the trip.
Exclusions may include:
(i) A loss which has not been reported to the police within 24 hours of the discovery of the loss, or for which a police report has not been obtained;
(ii) Mysterious disappearance of documents;
(iii) The cost of replacing travel documents or visas which are no longer needed for completing the trip.
What are the different reasons for travel delay in travel insurance?
I. Adverse weather condition
II. Natural disaster
III. Illness of pilot
IV. Mechanical derangement of aircrafts
TRAVEL DELAY
This section will provide a benefit in a specified amount for each, say, 5-hour period of travel delay, provided that the delay has been for at least, say, 6 hours. Such delay must have been caused by an insured peril, such as adverse weather condition, natural disaster, terrorism, industrial action, hi-jack, mechanical derangement of aircrafts or other conveyances.
TRAVEL DELAY
This section will provide a benefit in a specified amount for each, say, 5-hour period of travel delay, provided that the delay has been for at least, say, 6 hours. Such delay must have been caused by an insured peril, such as adverse weather condition, natural disaster, terrorism, industrial action, hi-jack, mechanical derangement of aircrafts or other conveyances.
Which of the following are included in general exclusions?
I. Nuclear risk
II. Terrorist act
III. War and war-like operation
IV. Travelling to attend marriage
General Exclusions: They may include the following:
(i) War and war-like operation;
(ii) Nuclear risk;
(iii) Terrorist act, unless stated as being an insured peril under any of the policy section;
(iv) Insured’s breach of government prohibition or regulation;
(v) Insured’s failure to take precautions following warning through or by general mass media of intended strike, riot, civil commotion, natural disasters or epidemic;
(vi) Insured’s failure to take reasonable steps to safeguard his property or prevent injury; and
(vii) Expenses recoverable from any other sources, other than those recoverable under this policy’s Hospital Benefit Section, Personal Accident Section, Baggage Delay Section (under which benefit instead of indemnity is provided), or Travel Delay Section. (An exclusion so worded will have the effect of excluding expenses payable under any other policy that covers the insured’s interests.) It is also typical for a travel insurance policy to provide that where an insured person is covered by more than one travel insurance policy issued by the insurer for the same trip, only the one that provides the greatest amount of cover will apply.
(viii) Travel that is made against the advice of a medical practitioner or for the purposes of obtaining medical treatment.
General Exclusions: They may include the following:
(i) War and war-like operation;
(ii) Nuclear risk;
(iii) Terrorist act, unless stated as being an insured peril under any of the policy section;
(iv) Insured’s breach of government prohibition or regulation;
(v) Insured’s failure to take precautions following warning through or by general mass media of intended strike, riot, civil commotion, natural disasters or epidemic;
(vi) Insured’s failure to take reasonable steps to safeguard his property or prevent injury; and
(vii) Expenses recoverable from any other sources, other than those recoverable under this policy’s Hospital Benefit Section, Personal Accident Section, Baggage Delay Section (under which benefit instead of indemnity is provided), or Travel Delay Section. (An exclusion so worded will have the effect of excluding expenses payable under any other policy that covers the insured’s interests.) It is also typical for a travel insurance policy to provide that where an insured person is covered by more than one travel insurance policy issued by the insurer for the same trip, only the one that provides the greatest amount of cover will apply.
(viii) Travel that is made against the advice of a medical practitioner or for the purposes of obtaining medical treatment.
What statements is/are true regarding arbitration in travel insurance?
I. It is a means to settle a claims dispute between the insured person and the insurer.
II. Arbitration should commence not later than, say, one year from the date that the insurer disclaims liability, failure of which will render the claim inadmissible.
III. In the absence of an arbitration provision, the policy will usually specify a limit of, say, three years for instituting legal proceedings against the insurer.
IV. A breach of this provision will very likely compromise a subsequent defence in court against that third party’s claim.
Arbitration: It is possible for a travel insurance policy to provide for arbitration as a means to settle a claims dispute between the insured person and the insurer. Such a provision requires that any arbitration should commence not later than, say, one year from the date that the insurer disclaims liability, failure of which will render the claim inadmissible. In the absence of an arbitration provision, the policy will usually specify a limit of, say, three years for instituting legal proceedings against the insurer.
Arbitration: It is possible for a travel insurance policy to provide for arbitration as a means to settle a claims dispute between the insured person and the insurer. Such a provision requires that any arbitration should commence not later than, say, one year from the date that the insurer disclaims liability, failure of which will render the claim inadmissible. In the absence of an arbitration provision, the policy will usually specify a limit of, say, three years for instituting legal proceedings against the insurer.
Which of the following are Common Contingencies?
I. Flight Delay or Cancellation
II. Accident while travelling by car
III. Theft during a Flight
IV. Theft in a Hotel
Common Contingencies:
I. Flight Delay or Cancellation
II. Accident during a Flight
III. Theft during a Flight
IV. Theft in a Hotel
V. Injury Sustained in a Hotel
VI. Damage to Hotel Property
VII. Loss of Personal Effects or Travel Documents
Common Contingencies:
I. Flight Delay or Cancellation
II. Accident during a Flight
III. Theft during a Flight
IV. Theft in a Hotel
V. Injury Sustained in a Hotel
VI. Damage to Hotel Property
VII. Loss of Personal Effects or Travel Documents
What are the exemptions from the ordinance for personal data?
I. Exemption for personal data held for domestic or recreational purposes.
II. Exemptions on access by data subject for certain employment-related personal data held by their employers.
III. Exemptions from the subject access and use limitation requirements where their application is likely to prejudice certain competing public or social interests.
IV. Exemptions on access by data subject for certain health-related personal data held by the hospitals.
Exemptions from the Ordinance include:
(i) a broad exemption for personal data held for domestic or recreational purposes;
(ii) exemptions on access by data subject for certain employment-related personal data held by their employers;
(iii) exemptions from the subject access and use limitation requirements where their application is likely to prejudice certain competing public or social interests, i.e. security, defence and international relations; prevention or detection of crime; apprehension, prosecution or detention of offenders; assessment or collection of any tax or duty; health; legal professional privilege; news activities; statistics and research; and human embryos, etc.
Exemptions from the Ordinance include:
(i) a broad exemption for personal data held for domestic or recreational purposes;
(ii) exemptions on access by data subject for certain employment-related personal data held by their employers;
(iii) exemptions from the subject access and use limitation requirements where their application is likely to prejudice certain competing public or social interests, i.e. security, defence and international relations; prevention or detection of crime; apprehension, prosecution or detention of offenders; assessment or collection of any tax or duty; health; legal professional privilege; news activities; statistics and research; and human embryos, etc.
On what grounds an Equal Opportunities Commission (‘EOC’) eliminate discrimination?
I. Sex, marital status or pregnancy
II. Religion
III. Disability
IV. Family status
An Equal Opportunities Commission (‘EOC’) exists to implement four Ordinances, whose objectives are to eliminate discrimination on grounds of:
(a) sex, marital status or pregnancy (the Sex Discrimination Ordinance, 1995);
(b) disability (the Disability Discrimination Ordinance, 1995);
(c) family status (the Family Status Discrimination Ordinance, 1997); and
(d) race (the Race Discrimination Ordinance, 2008).
An Equal Opportunities Commission (‘EOC’) exists to implement four Ordinances, whose objectives are to eliminate discrimination on grounds of:
(a) sex, marital status or pregnancy (the Sex Discrimination Ordinance, 1995);
(b) disability (the Disability Discrimination Ordinance, 1995);
(c) family status (the Family Status Discrimination Ordinance, 1997); and
(d) race (the Race Discrimination Ordinance, 2008).
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