HBSE Class 10 Banking and Insurance Services Question Paper 2019

CLASS : 10th (Secondary) Code No. 4235
Series : Sec. M/2019
Roll No.

BANKING & INSURANCE SERVICES
National Skills Qualification Framework (NSQF)
Level – 2
[ Hindi and English Medium ]
(Only for Fresh/Re-appear Candidates)

Time allowed : 2.30 hours ] [ Maximum Marks : 60
• d`i;k tk¡p dj ysa fd bl iz'u-i= esa eqfnzr i`"B 8 rFkk
iz'u 30 gSaA
Please make sure that the printed pages in this
question paper are 8 in number and it contains 30
questions.
• iz'u-i= esa nkfgus gkFk dh vksj fn;s x;s dksM uuEcj
Ecj dks Nk=
mÙkj-iqfLrdk ds eq[;-i`"B ij fy[ksaA
The Code No. on the right side of the question paper
should be written by the candidate on the front page
of the answer-book.
• d`i;k iz'u dk mÙkj fy[kuk 'kq: djus ls igys] iz'u dk Øekad
vo'; fy[ksaA
Before beginning to answer a question, its Serial
Number must be written.
• mÙkj-iqfLrdk ds chp esa [kkyh iUuk / iUus u NksMsa+A
Don't leave blank page/pages in your answer-book.

4235 P. T. O.

(2) 4235
• mÙkj-iqfLrdk ds vfrfjDr dksbZ vU; 'khV ugha feysxhA vr%
vko';drkuqlkj gh fy[ksa vkSj fy[kk mÙkj u dkVsaA
Except answer-book, no extra sheet will be given.
Write to the point and do not strike the written
answer.
• ijh{kkFkhZ viuk jksy ua0 iz'u-i= ij vo'; fy[ksaA
Candidates must write their Roll Number on the
question paper.
• d`i;k iz'uksa ds mÙkj nsus lss iwoZ ;g lqfuf'pr dj ysa fd iz'u-i=
iw.kZ o lgh gS] ijh{kk ds mijkUr bl lEcU/k esa dksbZ Hkh nkok
Lohdkj ugha fd;k tk;sxkA
Before answering the question, ensure that you
have been supplied the correct and complete
question paper, no claim in this regard, will be
entertained after examination.
uksV % (i) lHkh iz'uksa ds mÙkj nhft,A
Attempt all questions.
(ii) izR;sd iz'u ds vad muds lkeus n'kkZ;s x, gSaA
Marks of each question are indicated against
them.
(iii) iz'uksa ds mÙkj muds vadkuqlkj nhft,A
Answer the questions according to their marks.
[ fucU/kkRed iz'u ]
[ Essay Type Questions ]

1. vuqca/k ds fofHkUu izdkj dkSu&dkSu&ls gSa \ o.kZu dhft,A 7
What are the different types of Contract ?
Explain.

(3) 4235
vFkok
OR
oS/k vuqca/k ds fofHkUu igyqvksa dk mYys[k dhft,A
Describe the various aspects of a Valid Contract.

2. gkfu&j{kk D;k gS \ gkfu&j{kk dh fofHkUu fof/k;ksa dk o.kZu
dhft,A 7
What is Indemnity ? Explain the various
methods of Indemnity.

vFkok
OR

thou chek mRiknksa dk o.kZu dhft,A
Explain the Life Insurance Products.

[ y?kq mÙkjh; iz'u ]
[ Short Answer Type Questions ]

3. chek ;ksX; fgr ds vko';d vaxkas dk o.kZu dhft,A 3
Discuss the essential components of Insurable
interest.

4. izLFkkiu ds fl)kUr dk o.kZu dhft,A 3
Discuss the principle of subrogation.

5. iw.kZ ln~Hkkouk ds fl)kUr ij ,d uksV fyf[k,A 3
Write a note on utmost good faith.

4235 P. T. O.

(4) 4235
6. oS/k vuqca/k ds dksbZ rhu y{k.k crkb,A 3
Discuss any three features of a Valid Contract.

7. O;FkZ vkSj O;FkZuh; vuqc/a k eas vUrj dhft,A 3
Differentiate between Void and Voidable
Contracts.

[ vfry
vfry?kq mÙkjh;
mÙkjh; iz'u ]
[ Very Short Answer Type Questions ]

8. uSfrd ladV D;k gS \ 2
What is Moral Hazard ?

9. LokLF; chek D;k gS \ 2
What is Mediclaim Insurance ?

10. gkehnkjh ls D;k vfHkizk; gS \ 2

What is meant by Underwriting ?

11. izfooj.k D;k gS \ 2

What is Prospectus ?

12. ckth ds vuqc/a k dk D;k vFkZ gS \ 2

What is the meaning of Wagering Contract ?

13. la;qDr thou chek ikWfylh D;k gS \ 2

What is Joint Life Insurance Policy ?

(5) 4235
14. vklUu dkj.k D;k gS \ 2

What is Proximate Cause ?

15. LorU= lgefr ls vkidk D;k vk'k; gS \ 2

What do you mean by Free Consent ?

[ oLrqfu"B iz'u ]
[ Objective Type Questions ]

16. TPA dk iwjk :i D;k gS \ 1

(a) r`rh; i{kdkj ys[kkdkj
(b) r`rh; i{kdkj izca/kd
(c) r`rh; i{kdkj iz'kkld
What is the full form of TPA ?
(a) Third Party Accountants

(b) Third Party Manager
(c) Third Party Administrator

17. uks Dyse cksul (NCB) vf/kdre ns; gS % 1
(a) 40% (b) 50%
(c) 60% (d) 45%
The maximum NCB payable is :
(a) 40% (b) 50%
(c) 60% (d) 45%

4235 P. T. O.

(6) 4235
18. lEHkkfor gkfu dgykrh gS % 1

(a) tksf[ke
(b) vfuf'prrk
(c) buesa ls dksbZ ugha
Potential loss is called :
(a) Risk
(b) Uncertainty
(c) None of these

19. fuEu esa ls doj uksV dh oS/krk dkSu&lh gS \ 1

(a) 15 fnu (b) ,d eghuk
(c) 60 fnu (d) buesa ls dksbZ ugha
Which of the following is a validity of Cover note ?
(a) 15 days (b) One month
(c) 60 days (d) None of these

20. fuEu esa ls fdlesa ysunkj dk chek;ksX; fgr gS \ 1

(a) deZpkfj;kas esa (b) nsunkj esa
(c) cSadj esa (d) mijksDr lHkh
A creditor has insurable interest in the life of :
(a) Employees (b) Debtor
(c) Banker (d) All of the above

(7) 4235
21. fuEu eas ls dkSu&lk vn`'; mRikn dh Js.kh esa gS \ 1
(a) ?kj (b) fdrkc
(c) chek (d) fÝt
Which among the following is an intangible
product ?
(a) House (b) Book
(c) Insurance (d) Fridge

22. ikliksVZ ------- vk;q dk izek.k gS % ¼[kkyh LFkku Hkjsa½ 1
Passport is ............ Age Proof : (fill in the blank)

23. izLrko Lohdkj djus okys O;fDr dks dgk tkrk gS % 1
(a) vo;Ld (b) Bsdsnkj
(c) oknk djus okyk (d) oknk fuHkkus okyk
The person who accepts the proposal is called :
(a) Minor (b) Contractor
(c) Promiser (d) Promisee

24. vPNs tksf[ke dk dksbZ ,d mnkgj.k nhft,A 1
Give any one example of Good Risk.

25. cSad fdlds fy, ikWfylh ys ldrk gS \ 1

(a) ysunkj (b) _.kh
(c) turk (d) mijksDr lHkh
Bank can take policy in respect of its :
(a) Creditor (b) Loanee
(c) Public (d) All of the above

4235 P. T. O.

(8) 4235
26. ------ ds dkj.k chek tqvk ugha gSA 1
Insurance is not a gambling because of presence
of .......... .

27. iw.kZ ln~Hkkouk ,d ,slk fl)kUr gS] ftldk ikyu dsoy
chek/kkjh dks djuk gksrk gSA ¼lgh@xyr½ 1
Utmost good faith is a principle that has to be
followed by the insured only. (True/False)

28. ,d O;fDr dk chek;ksX; fgr -------- esa gSA ¼[kkyh LFkku Hkjsa½ 1
¼vius ?kj esa@fe= ds ?kj esa½
A person has insurable interest in his ......... .
(fill in the blank)
(own house/friend's house)

29. gkfu&j{kk dk fl)kUr] thou chek vuqcU/k esa ykxw gksrk gSA
¼lgh@xyr½ 1
The principle of Indemnity is applicable to a Life
Insurance Contract. (True/False)

30. la;qDr thou chek ikWfylh ifr o iRuh nksuksa }kjk yh tk ldrh
gSA ¼lgh@xyr½ 1
Joint Life Policy can be taken both by husband
& wife. (True/False)

S