CBSE Class 12 Sample Paper 2026 for Insurance

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SAMPLE
PAPER
2026

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CBSE | DEPARTMENT OF SKILL EDUCATION
INSURANCE (SUBJECT CODE: 814)
Blue-Print for Sample Question Paper for Class XII (Session 2025-2026)
Max. Time: 3 Hours Max. Marks: 60

PART A - EMPLOYABILITY SKILLS (10 MARKS):

SHORT
OBJECTIVE
ANSWER
TYPE
UNIT TYPE TOTAL
NAME OF THE UNIT QUESTIONS
NO. QUESTIONS QUESTIONS
1 MARK 2 MARKS
EACH EACH
1 Communication Skills- IV 1 1 2
2 Self-Management Skills- IV 2 1 3
Information and Communication
3 1 1 2
Technology Skills- IV
4 Entrepreneurial Skills- IV 1 1 2
5 Green Skills- IV 1 1 2
TOTAL QUESTIONS 6 5 11
NO. OF QUESTIONS TO BE
Any 4 Any 3 07
ANSWERED
TOTAL MARKS 1x4=4 2x3=6 10 MARKS

PART B - SUBJECT SPECIFIC SKILLS (50 MARKS):
SHORT
SHORT DESCRIPTIVE/
OBJECTIVE ANS.
ANS. LONG
TYPE TYPE
TYPE ANS. TYPE
UNIT QUESTIONS QUES.- TOTAL
NAME OF THE UNIT QUES.- I
II
QUESTIONS
NO. QUESTIONS
2 3
1 MARK 4 MARKS
MARKS MARKS
EACH EACH
EACH EACH
UNIT 1 – General 1
1 5 1 1 8
Insurance
2 UNIT 2 – Fire Insurance 5 - 1 1 7
UNIT 3 – Marine -
3 7 1 1 9
Insurance
UNIT 4 – Motor Vehicle -
4 4 1 1 6
Insurance
UNIT 5 – Medi-claim and -
5 5 1 1 7
Accident Insurance
UNIT 6 – Burglary and 1
6 6 1 - 8
Theft Insurance
TOTAL QUESTIONS 32 5 3 5 45
NO. OF QUESTIONS
26 Any 3 Any 2 Any 3 34
TO BE ANSWERED
2x3= 3x2=
TOTAL MARKS 1 x 26= 26 4 x 3 = 12 50 MARKS
6 6

814-SQP-Insurance-XII Pg. 1

CBSE | DEPARTMENT OF SKILL EDUCATION
INSURANCE (SUBJECT CODE: 814)
Sample Question Paper for Class XII (Session 2025-2026)
Max. Time: 3 Hours Max. Marks: 60

General Instructions:
1. Please read the instructions carefully.
2. This Question Paper consists of 24 questions in two sections – Section A & Section B.
3. Section A has Objective type questions whereas Section B contains Subjective type
questions.
4. Out of the given (6 + 18 =) 24 questions, a candidate has to answer (6 + 11 =) 17
questions in the allotted (maximum) time of 3 hours.
5. All questions of a particular section must be attempted in the correct order.
6. SECTION A - OBJECTIVE TYPE QUESTIONS (30 MARKS):
i. This section has 06 questions.
ii. There is no negative marking.
iii. Do as per the instructions given.
iv. Marks allotted are mentioned against each question/part.
7. SECTION B – SUBJECTIVE TYPE QUESTIONS (30 MARKS):
i. This section contains 18 questions.
ii. A candidate has to do 11 questions.
iii. Do as per the instructions given.
iv. Marks allotted are mentioned against each question/part.

814-SQP-Insurance-XII Pg. 2

SECTION A: OBJECTIVE TYPE QUESTIONS

Q. 1 Answer any 4 out of the given 6 questions on Employability Skills (1 x 4
= 4 marks)
i. Explain the meaning of Personality. 1
ii. Which of the following is not a stage of active listening? 1
(a) Receiving (b) Understanding (c) Non-responding (d) Evaluating
iii. Which menu option will you use to change the color of the text? 1
a) Font color b) Font c) Highlight color d) Format
iv. Shortcut key to underline text in a spreadsheet. 1
a) ctrl+b b) ctrl+i c) ctrl+l d) ctrl+u
v. State the purpose of using natural plants inside the insurance agent 1
office.
vi. What do you understand by Perseverance? 1

Q. 2 Answer any 5 out of the given 7 questions (1 x 5 = 5 marks)
i. In which year General Insurance Business was nationalized? 1
a) 1972 b) 1973 c) 1974 d) 1975
ii. Can fire Insurance Policy be assigned? 1
iii. Explain F.O.R. 1
iv. What is cashless facility? 1
v. Name any two compulsory polices of Motor Vehicle Insurance. 1
vi. In case of Overseas Medical Policy the premium is payable in 1
a) Any foreign currency b) US Dollar c) Euro d) Indian Rupees
vii. What is Market value? 1

Q. 3 Answer any 6 out of the given 7 questions (1 x 6 = 6 marks)
i. In Life Insurance everyone is considered to have an interest in his 1
own life and that of his
a). Daughter b) Employee c) Spouse d) Parents
ii. Define the term Maritime Perils. 1
iii. If a person has insured his property with two insurance companies 1
then in case of fire loss both the insurance companies will
compensate the loss to the owner
a) Equally b) Individually c) Proportionately d)Half Yearly
iv. What is floater benefit? 1
v. List two exclusions of theft insurance policy. 1
vi. A marine insurance policy that is a combination of voyage & time 1
policies & covers all risks during the particular voyage for a specified
period of time is called policy.
a) Mixed b) Voyage c) Combination d) Dual
vii. Forms of Motor Vehicle Insurance Policies.(Any two) 1

Q. 4 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)
i. What is cover note? 1
ii. The marine insurance will be valid if the person is having insurable 1
interest at the time of loss. The insurable interest will depend upon
the nature of contract.
a) Assignment b) Supply c) Sales d) Purchase

814-SQP-Insurance-XII Pg. 3

iii. Name any two private companies carrying out General Insurance 1
Business.
iv. When a finds that a Vehicle is either beyond repairs or 1
the repairs are not in economic proposition he negotiates with the
insured to assess the loss on Total Loss Basis.
a)Surveyor b)Inspector c) Valuer d) Underwriter
v. Define Intrinsic value. 1
vi. Can senior citizen medical policy be continued up to the age of 90? 1

Q. 5 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)
i. Under CIF contracts the seller is responsible for arranging the 1
& delivering the goods at port of destination:
a) Vehicle b) Ferry c) Crane d) Ship
ii. What is the principle of Subrogation? 1
iii. What is period of Insurance? 1
iv. In determining the extent of liability of the Insurer, the -- of 1
fire is immaterial unless it has been deliberately brought about by the
insured.
a) Power b) Cause c)Premier d) Intensity
v. Explain time policy under Cargo policy. 1
vi. Define Sum Insured 1

Q. 6 Answer any 5 out of the given 6 questions (1 x 5 = 5 marks)
i. Which policy is known as all in one policy? 1
ii. Mediclaim Insurance was primarily introduced to cover 1
charges.
a)Insurance b) Hospitalization c) Nursing d) Accident
iii. In respect of death of or bodily injury to any person the amount of 1
liability incurred is :
a) Limited to Rs 10,00,000 b) Limited to Rs 1 crore c) Limited to Rs
10 crore d) Unlimited
iv. What do you understand by the term “hold-up”? 1
v. What is the other name of principle of utmost good faith? 1
a) Caveat. Emptor b) Uber rima.fides c) Honesty
d) simple.good.faith.
vi. What is cargo insurance? 1

SECTION B: SUBJECTIVE TYPE QUESTIONS

Answer any 3 out of the given 5 questions on Employability Skills (2 x 3 = 6 marks)
Answer each question in 20 – 30 words.
Q. 7 You work at the front desk of an Insurance company. A customer 2
approaches you while you are working. The customer has a query
regarding a premium paid by him. What would you do in this regard
of customer complaint & why?
Q. 8 What are the steps to overcome personality disorders? 2
Q. 9 List features of a Presentation. 2
Q. 10 Explain functions of an entrepreneur. 2
Q. 11 State any two benefits of Green Jobs. 2

814-SQP-Insurance-XII Pg. 4

Answer any 3 out of the given 5 questions in 20 – 30 words each (2 x 3 = 6 marks)
Q. 12 Name the four General Insurance Companies in Public Sector in 2
India.
Q. 13 State the types of Marine Insurance. 2
Q. 14 State any two exclusions from Theft & Burglary insurance. 2
Q. 15 What does the word cumulative bonus mean? 2
Q. 16 State the importance of Certificate of Insurance in case of motor 2
vehicle.

Answer any 2 out of the given 3 questions in 30– 50 words each (3 x 2 = 6 marks)
Q. 17 Ramesh Kumar take a personal accident policy. He is a driver. After 3
taking policy he died due to illness. His nominee claims the insurance
amount from the Insurance company. The claim amount has been
received by the nominee or not? Give the reason.
Q. 18 Explain giving an example, the average clause in a fire insurance 3
policy.
Q. 19 Mr. Naman is running a business in the field of overseas commerce 3
and foreign trade. He wants to purchase a policy for his business.
What kind of Insurance policy would you suggest him?

Answer any 3 out of the given 5 questions in 50– 80 words each (4 x 3 = 12 marks)
Q. 20 Savita, Rani and Chulbul do wholesale trade in readymade garments. 4
They got their godown insured for Five Lac only by ‘XYZ General
Insurance Company.’ A few days after getting the insurance, the
godown caught fire and the goods worth Three Lac only were
destroyed. They succeeded in getting compensation of their loss from
the insurance Company. The firm sold off the half burnt goods and
got Rs. 20,000 only.
Who will be the claimant of this amount, the firm or the Insurance
Company? List the documents to require make a claim in case of
Loss.
Q. 21 Briefly explain the term Sale contract in case of Marine Insurance. 4
Briefly explain the three types of sale contract.
Q. 22 What are the features of Health Insurance? 4
Q. 23 Mr. Avinash is running a business all over India. He lives in a 4
Baramula area of Jammu & Kashmir. He has a car for business
purpose and has insured his car with New India Insurance Co. Apart
from third party Insurance which Insurance would you suggest to Mr.
Avinash to cover the other risks also and why? Briefly explain the
procedure of obtaining the policy.
Q. 24 Mr. Pankaj has insured his premises against the risk of burglary and 4
made certain changes in his premises which made it more vulnerable
to the burglary. If the burglary takes place, will this happening still be
covered under his policy? Also explain the procedure of Claim under
Theft or Burglary Policy.

814-SQP-Insurance-XII Pg. 5

Study Materials
Notes

Model Papers Class 6 Notes

Sample Papers Class 7 Notes
Half Yearly Sample Papers Class 8 Notes

Class 9 Notes
Important Resources
Class 10 Notes
Periodic Table
Class 11 Notes
Writing Skills / Formats

Maps of India / World Class 12 Notes

Books and Solutions

NCERT Books
NCERT Book Solutions
HC Verma Chapter Wise Solutions
RD Sharma Solutions
CGBSE Solutions