CBSE Class 12 Question Paper 2024 Insurance

CBSE

Series &RQPS Set-4
àíZ -nÌ H$moS>
Q.P. Code
338
amob Z§. narjmWu àíZ-nÌ H$moS> >H$mo CÎma-nwpñVH$m Ho$
Roll No. _wI-n¥ð >na Adí` {bIo§ &
Candidates must write the Q.P. Code
on the title page of the answer-book.

~r‘m
INSURANCE

{ZYm©[aV g_` : 3 KÊQ>o A{YH$V_ A§H$ : 60
Time allowed : 3 hours Maximum Marks : 60

ZmoQ> NOTE
(I) H¥$n`m Om±M H$a b| {H$ Bg àíZ-nÌ _o§ _w{ÐV (I) Please check that this question paper
contains 15 printed pages.
n¥ð> 15 h¢ &
(II) H¥$n`m Om±M H$a b| {H$ Bg àíZ-nÌ _| (II) Please check that this question paper
contains 24 questions.
>24 àíZ h¢ &
(III) àíZ-nÌ _| Xm{hZo hmW H$s Amo a {XE JE (III) Q.P. Code given on the right hand side of
the question paper should be written on
àíZ-nÌ H$moS >H$mo narjmWu CÎma-nwpñVH$m Ho$ the title page of the answer-book by the
_wI-n¥ð> na {bI| & candidate.
(IV) H¥$ n`m àíZ H$m CÎma {bIZm ewê$ H$aZo go (IV) Please write down the serial number of
the question in the answer-book before
nhbo, CÎma-nwpñVH$m _| àíZ H$m H«$_m§H$ attempting it.
Adí` {bI| &
(V) Bg àíZ-nÌ H$mo n‹ T>Zo Ho$ {bE 15 {_ZQ (V) 15 minute time has been allotted to read
this question paper. The question paper
>H$m g_` {X`m J`m h¡ & àíZ-nÌ H$m will be distributed at 10.15 a.m. From
{dVaU nydm©• _| 10.15 ~Oo {H$`m OmEJm & 10.15 a.m. to 10.30 a.m., the students will
10.15 ~Oo go 10.30 ~Oo VH$ N>mÌ Ho $db read the question paper only and will not
àíZ-nÌ H$mo n‹T>|Jo Am¡a Bg Ad{Y Ho$ Xm¡amZ write any answer on the answer-book
during this period.
do CÎma-nwpñVH$m na H$moB© CÎma Zht {bI|Jo &

11-338 1 P.T.O.

gm_mÝ` {ZX}e :
(i) H¥$n`m {ZX}em| H$mo Ü`mZ go n‹T>| &
(ii) Bg àíZ-nÌ _| Xmo IÊS>m| _| 24 àíZ h¢ : IÊS> H$ Am¡a IÊS> I &
(iii) IÊS> H$ _| dñVw {ZîR> àH$ma Ho$ àíZ h¢ O~{H$ IÊS> I _| {df`naH$ àH$ma Ho $ àíZ h¢ &

(iv) {XE JE (6 + 18) = 24 àíZm| _| go, Cå_rXdma H$mo 3 K§ Q>o Ho$ Am~§{Q>V (A{YH$V_) g_` _|
(6 + 11) = 17 àíZm| Ho$ CÎma XoZo h¢ &
(v) {H$gr {deof IÊS> Ho$ g^r àíZm| H$mo ghr H«$_ _| H$aZo H$m à`mg {H$`m OmZm Mm{hE &
(vi) IÊS> H$ : dñVw{ZîR> àH$ma Ho$ àíZ (30 A§H$) :
(a) Bg IÊS> _| 6 àíZ h¢ &
(b) H$moB © ZH$mamË_H$ A§H$Z Zht h¡ &
(c) {XE JE {ZX}em| Ho$ AZwgma H$m`© H$s{OE &
(d) àË`oH$ àíZ /^mJ Ho$ gm_Zo Am~§{Q>V A§H$m| H$m CëboI {H$`m J`m h¡ &
(vii) IÊS> I : {df`naH$ àH$ma Ho$ àíZ (30 A§H$) :
(a) Bg IÊS> _| 18 àíZ h¢ &
(b) Cå_rXdma H$mo 11 àíZ H$aZo h¢ &
(c) {XE JE {ZX}em| Ho$ AZwgma H$s{OE &
(d) àË`oH$ àíZ /^mJ Ho$ gm_Zo Am~§{Q>V A§H$m| H$m CëboI {H$`m J`m h¡ &

IÊS> H$ $
(dñVw{ZîR> àH$ma Ho$ àíZ) (30 A§H$)

1. amoµOJma H$m¡eb na {XE JE 6 àíZm| _| go {H$Ýht 4 Ho$ CÎma Xr{OE & 4´1=4

(i) {ZåZ{b{IV _| go H$m¡Z-gm g{H«$` ê$n go gwZZo H$m ^mJ h¡ ?
(A) Am±Im| go g§nH©$ ~Zm`o aIZm
(B) {ga {hbmZm
(C) ñnîQ>rH$aU Ho$ {bE nyN>Zm
(D) MwnMmn ~¡R>Zm
11-338 2

General Instructions :
(i) Please read the instructions carefully.
(ii) This question paper consists of 24 questions in two Sections : Section A
and Section B.
(iii) Section A has Objective Type Questions, whereas Section B contains
Subjective Type Questions.
(iv) 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.
(v) All questions of a particular section must be attempted in the correct
order.
(vi) Section A : Objective Type Questions (30 marks) :
(a) This section has 6 questions.
(b) There is no negative marking.
(c) Do as per the instructions given.
(d) Marks allotted are mentioned against each question/part.
(vii) Section B : Subjective Type Questions (30 marks) :
(a) This section has 18 questions.
(b) A candidate has to do 11 questions.
(c) Do as per the instructions given.
(d) Marks allotted are mentioned against each question/part.

SECTION A
(Objective Type Questions) (30 Marks)

1. Answer any 4 out of the given 6 questions on Employability Skills. 4´1=4

(i) Which of the following is a part of active listening ?

(A) Maintaining eye contact
(B) Nodding head
(C) Asking for clarification

(D) Sitting silently
11-338 3 P.T.O.

(ii) n[adma, g§ñH¥${V, g_mO, {ejm Am¡a AÝ` n`m©daUr` H$maH$m| Ho$ _mÜ`_ go {H$gH$mo
AmH$ma {X`m Om gH$Vm h¡ ?
(iii) àoaUm H$m H$m¡Z-gm òmoV h_| Cg ~‹S>r N>bm§J Ho$ {bE _mZ{gH$ ê$n go V¡`ma hmoZo _|
_XX H$aVm h¡ ?
(A) nwñVH$ (B) g§JrV
(C) ~‹S>o gnZo XoIZm (D) J{V{d{Y
(iv) dh H$j {OgH$mo EH$ _moQ>r bmBZ/~mS>©a Ho$ gmW M`{ZV Ed§ {M{•V {H$`m J`m h¡
dh __________ H$hbmVm h¡ &
(A) _¥V H$j (B) g{H«$` H$j
(C) H$j H$s a|O (D) H$j
(v) Cg ì`[ŠV H$mo Amn Š`m H$h|Jo, Omo ZE ì`mnma H$s nhb, g¥OZ Am¡a à~§Y H$aVm
h¡ ?
(vi) ZdrH$aUr` D$Om© Ho$ H$moB© Xmo òmoV {b{IE &

2. {XE JE 7 àíZm| _| go {H$Ýht 5 Ho $ CÎma Xr{OE & 5´1=5

(i) EH$ gm_mÝ` ~r_m H$ånZr Ho$ {bE _ëhmoÌm H$_oQ>r Ûmam Ý`yZV_ {H$VZr ny± Or H$s
{g\$m[ae H$s JB© Wr ?
(ii) ~r_m __________ Am¡a __________ Ho$ ~rM EH$ {deof àH$ma H$m AZw~Y§ h¡ &
(A) ~r_mH$Vm©, EO|Q> (B) ~r{_V, J«mhH$
(C) ~r{_V, ~r_mH$Vm© (D) ~r_m H$ånZr, Xbmb
(iii) {H$gr ì`[ŠV H$s _¥Ë`w EH$ àmW{_H$ Omo{I_ h¡ Am¡a `h gm_mÝ` ~r_m Ho$ A§VJ©V
H$da Zht hmoVm h¡ & Vmo {\$a `h {H$g ~r_m Ho$ A§VJ©V H$da {H$`m OmVm h¡ ?
(A) g_wÐr ~r_m (B) OrdZ ~r_m
(C) Mmoar ~r_m (D) _moQ>a dmhZ ~r_m
11-338 4

(ii) What can be shaped through family, culture, society, education
and other environmental factors ?

(iii) Which source of motivation helps us to be mentally prepared to
take that big leap forward ?
(A) Books (B) Music
(C) Dreaming big (D) Activity

(iv) The cell which is selected and highlighted with a thick border is
called a/an ___________.
(A) Dead cell (B) Active cell

(C) Range of cell (D) Cell

(v) What will you call a person, who initiates, creates and manages a
new business ?

(vi) Write any two renewable sources of energy.

2. Answer any 5 out of the given 7 questions. 5×1=5

(i) How much was the minimum capital recommended by the
Malhotra Committee for a General Insurance Company ?

(ii) Insurance is a special type of contract between the __________ and
__________.

(A) Insurer, Agent (B) Insured, Client
(C) Insured, Insurer (D) Insurance company, Broker

(iii) The death of a person is a primary risk and is not covered under
General Insurance. Under which insurance is it covered ?

(A) Marine Insurance (B) Life Insurance

(C) Theft Insurance (D) Motor Vehicle Insurance

11-338 5 P.T.O.

(iv) Cg ~r_m nm°{bgr H$m Zm_ ~VmBE Omo h_mao dmhZ Ho$ {bE gånyU© gwajm àXmZ
H$aVr h¡ &
(v) H$m¡Z-go df© _| ^maVr` gm_mÝ` ~r_m {ZJ_ (GIC) Zo AnZm ì`mnma ewê$ {H$`m
Wm ?
(vi) ^maVr` H¥${f ~r_m H$ånZr {b{_Q>oS> H$m _w»`mb` H$hm± na pñWV h¡ ?
(vii) O~ g§n{Îm H$mo Ad¡Y VarHo$ go EH$ ì`[ŠV Ûmam bo {b`m OmVm h¡ Omo d¡Y ê$n go
{H$gr AÝ` H$s h¡, BgHo$ {bE {H$g àH$ma H$m ~r_m {b`m OmVm h¡ ?

3. {XE JE 7 àíZm| _| go {H$Ýht 6 Ho $ CÎma Xr{OE & 6´1=6

(i) EH$ A[½Z nm°{bgr H$mo __________ H$s AZw_{V Ho$ {~Zm gm¢nm Zht Om gH$Vm &
(A) ~r{_V (B) ~r_mH$Vm©
(C) EO|Q> (D) AmB©.Ama.S>r.E.
(ii) H$m¡Z-go df© H$mo “b§XZ H$s ^rfU AmJ” Ho$ ê$n _| OmZm OmVm h¡ ?
(iii) ñQ>m°H$ H$s hm{Z Am¡a bm^ H$s hm{Z Ho$ Xmdo H$mo H$da H$aZo Ho$ {bE H$m¡Z-gr ~r_m
nm°{bgr br OmVr h¡ ?
(iv) Q>¡[a\$ gbmhH$ma g{_{V __________ df© _| ñWm{nV H$s JB© &
(A) 1972 (B) 1968

(C) 1907 (D) 1957

(v) EH$ ì`mnmar Ho$ {bE {H$g àH$ma H$s A{½Z nm°{bgr Cn`wŠV h¡ {OgHo$ ñQ>m°H$ H$m
^§S>maU AbJ-AbJ ñWmZm| na pñWV JmoXm_m| _| {H$`m J`m h¡ ?
(vi) H$m¡Z-gr A[½Z nm°{bgr j{Vny{V© Ho$ {gÕm§V H$m Cëb§KZ H$aVr h¡ ?
(A) {d{eîQ> nm°{bgr (B) _yë`m§{H$V nm°{bgr
(C) Am¡gV nm°{bgr (D) n[adV©Zerb nm°{bgr
(vii) g|Y_mar ~r_o _| “A§V{Z©{hV _yë`” H$m Š`m AW© h¡ ?
11-338 6

(iv) Name the Insurance Policy which provides overall protection to our
vehicles.

(v) In which year did GIC commence its business ?

(vi) Where is the Head Office of Agriculture Insurance Company of
India Ltd. situated ?

(vii) Which type of insurance is required when the property that
lawfully belongs to someone else is taken unlawfully by a
person ?

3. Answer any 6 out of the given 7 questions. 6×1=6

(i) A fire policy cannot be assigned without the permission of the
___________.
(A) Insured (B) Insurer
(C) Agent (D) IRDA

(ii) Which year is known as the ‘Great Fire of London ?’

(iii) Which insurance policy is taken to cover the claim for loss of
stock and loss of profit ?

(iv) The Tariff Advisory Committee was set up in the year _________.
(A) 1972 (B) 1968
(C) 1907 (D) 1957

(v) Which type of fire policy is suitable for a businessman whose
stocks are stored in godowns located at different places ?

(vi) Which fire policy violates the Principle of Indemnity ?
(A) Specific policy (B) Valued policy
(C) Average policy (D) Floating policy

(vii) What is meant by “Instrinsic value” in Burglary Insurance ?

11-338 7 P.T.O.

4. {XE JE 6 àíZm| _| go {H$Ýht 5 Ho $ CÎma Xr{OE & 5´1=5

(i) b§XZ go nrgm VH$ g_wÐ Ho$ amñVo _mb Tw>bmB© Ho$ {bE br OmZo dmbr àr{_`_ Xam|
H$mo B§{JV H$aZo dmbr nwñVH$ H$m boIH$ H$m¡Z h¡ ?
(ii) g_wÐr ~r_o H$mo {H$VZo àH$ma H$s lo{U`m| _| dJuH¥$V {H$`m Om gH$Vm h¡ ?
(iii) g_wÐr ~r_o H$s H$m¡Z-gr nm°{bgr _| {deof `mÌm Ho$ ñWmZ Ûmam Omo{I_m| H$s gr_m
{ZYm©[aV H$s OmVr h¡ ?
(A) _yë`m§{H$V nm°{bgr (B) g_` nm°{bgr
(C) n[adV©Zerb nm°{bgr (D) `mÌm nm°{bgr
(iv) gm_mZ Ho$ n[adhZ Ho$ {bE ^wJVmZ H$s JB© am{e __________ H$hbmVr h¡ &
(v) g_wÐr ~r_m Ho$ OhmO VH$ {Z…ewëH$ nmoV n`©ÝV AZw~Y§ Ho$ VhV _mb H$s j{V Am¡a
hm{Z Ho$ {bE H$m¡Z {µOå_oXma hmoJm O~ VH$ {H$ _mb OhmO na Zm aIdm {X`m
OmE ?
(A) H«o$Vm (B) {dH«$o Vm
(C) EO|Q> (D) ~r_m H$ånZr
(vi) lr gwYra 15 {XZm| H$s Nw>Q²>Q>r na Ka go ~mha Wo Am¡a Bgr Xm¡amZ CZHo$ Ka _|
g|Y_mar hmo JB© & Š`m g|Y_mar ~r_m Bg hm{Z H$mo H$da H$aoJm ? `{X Zht, Vmo
Š`m| ?

5. {XE JE 6 àíZm| _| go {H$Ýht 5 Ho $ CÎma Xr{OE & 5´1=5

(i) _moQ>a dmhZ A{Y{Z`_ H$m¡Z-go df© _| à^mdr hþAm ?
(A) 1989 (B) 1988
(C) 1987 (D) 1990

(ii) V¥Vr` nj ~r_o Ho$ VhV {H$gr ^r ì`[ŠV H$s _¥Ë`w `m emar[aH$ MmoQ> bJZo na
{H$VZr Xo`Vm am{e Xr OmVr h¡ ?
(iii) dmhZ H$s KZ j_Vm {H$g CÔoí` Ho$ {bE à`moJ H$s OmVr h¡ ?
11-338 8

4. Answer any 5 out of the given 6 questions. 5×1=5

(i) Who wrote the book which indicates premium rates charged for
the shipment by sea from London to Pisa ?

(ii) Into how many types can Marine insurance be classified ?

(iii) In which Marine policy are the limits of the risks determined by
place of particular voyage ?
(A) Valued policy (B) Time policy
(C) Floating policy (D) Voyage policy

(iv) The amount paid for transportation of cargo is called ________.

(v) Under Free On Board contract of Marine Insurance, who will be
responsible for the loss or damage to the goods until the goods
are not placed on board the ship ?
(A) Buyer (B) Seller
(C) Agent (D) Insurance company

(vi) Mr. Sudhir was away on a holiday for 15 days and during this
period his house was burgled. Will the burglary insurance policy
cover this loss ? If not, then why ?

5. Answer any 5 out of the given 6 questions. 5×1=5

(i) In which year did the Motor Vehicles Act come into force ?
(A) 1989 (B) 1988
(C) 1987 (D) 1990

(ii) What amount of liability is paid, in case of death or bodily injury
to any person under third party insurance ?

(iii) For what purpose is the cubic capacity of the vehicle used ?

11-338 9 P.T.O.

(iv) dmhZ H$s {ZåZ{b{IV hm{Z`m| _| go H$m¡Z-gr hm{Z “ñd`§ H$s hm{Z” Ho$ A§VJ©V Zht
AmVr h¡ ?
(A) AmV§H$s H$m`© (B) ^yH§$n
(C) ^yñIbZ (D) _yë`õmg

(v) `{X dmhZ H$m ~mµOma _yë` ~r{_V _yë` go µÁ `mXm h¡ Vmo {H$g gr_m VH$ Xmdo H$m
{ZnQ>mam {H$`m Om gH$Vm h¡ ?
(vi) Xmdm boZo Ho$ CÔoí` go H$m¡Z-go ~r_o _| Ka Vmo‹S>Zo H$m à_mU hmoZm Oê$ar h¡ ?

6. {XE JE 6 àíZm| _| go {H$Ýht 5 Ho $ CÎma Xr{OE & 5´1=5

(i) ñdmñÏ` ~r_o _| V¥Vr` nj àemgH$ H$mo bmBg|g H$m¡Z XoVm h¡ ?
(A) AmB©.Ama.S>r.E. (B) Ho$ÝÐ gaH$ma
(C) Eb.AmB©.gr. (D) Or.AmB©.gr.

(ii) {M{H$Ëgm IMm] Ho$ ^wJVmZ Ho$ {bE {dXoer {M{H$Ëgm nm°{bgr H$mo H$m¡Z-go df© _| ewê$
{H$`m J`m ?
(iii) XþK©Q>Zm ~r_m AmH$[ñ_H$ emar[aH$ MmoQ> go hmoZo dmbo ZwH$gmZ Ho$ {Ibm\$
__________ H$m EH$ ê$n h¡ &

(iv) {ZåZ{b{IV _| go H$m¡Z-gm \$m°_© {d{^ÝZ ~r_mH$Vm©Am| Ûmam g~go A{YH$ Cn`moJ
{H$`m OmVm h¡ ?
(A) _mZH$ ~r_m \$m°_©
(B) _mZH$ nm°{bgr \$m°_©
(C) _mZH$ ~oMmZ \$m°_©
(D) Jma§Q>r _mZH$ \$m°_©

(v) ApñWa (âbmoQ>a) ñdmñÏ` ~r_m nm°{bgr Ho$ VhV n[adma Ho$ {H$VZo gXñ`m| H$mo H$da
{H$`m Om gH$Vm h¡ ?
(A) 2 (B) 3
(C) 4 (D) 5

(vi) `{X ì`[ŠVJV XþK©Q>Zm nm°{bgr YmaH$ H$s öX`KmV Ho$ H$maU _¥Ë`w hmo OmVr h¡ V~,
Xmdo H$mo ñdrH$ma Š`m| Zht {H$`m OmVm h¡ ?
11-338 10

(iv) From the following damages of a vehicle, which are not covered
under “own damage” ?
(A) Act of Terror (B) Earthquake
(C) Landslide (D) Depreciation

(v) If the market value of a vehicle is more than the insured value,
then to what extent can the claim be settled ?

(vi) For the purpose of taking claim, in which insurance is the
evidence of housebreaking necessary ?

6. Answer any 5 out of the given 6 questions. 5×1=5

(i) Who provides the license for third party administrator in health
insurance ?
(A) IRDA (B) Central Government
(C) LIC (D) GIC

(ii) In which year was the Overseas Medical Policy introduced for
payment of medical expenses ?

(iii) Accident insurance is a form of _________ against loss by
accidental bodily injury.

(iv) Which of the following form is most commonly used by different
insurers ?
(A) Standard insurance form
(B) Standard policy form
(C) Standard endorsement form
(D) Guarantee standard form

(v) How many family members can be covered under the Floater
Health Insurance Policy ?
(A) 2 (B) 3
(C) 4 (D) 5

(vi) Why is claim not accepted under Personal Accident Policy if the
holder dies due to a heart attack ?

11-338 11 P.T.O.

IÊS> I $
({df¶naH$ àH$ma Ho$ àíZ) (30 A§H$)

amoµOJma H$m¡eb Ho$ {XE JE 5 àíZm| _| go {H$Ýht 3 Ho$ CÎma Xr{OE & à˶oH$ àíZ H$m CÎma
20 – 30 eãXm| ‘| Xr{OE & 3´2=6

7. EH$ N>mÌ Ho$ {bE g{H«$` ê$n go gwZZm {H$g àH$ma _hÎdnyU© h¡ ?

8. ñd`§-à~§YZ H$m¡eb H$mo gwYmaZo Ho$ {bE {H$Ýht Xmo MaUm| H$m CëboI H$s{OE &

9. àñVwVrH$aU gm°âQ>do`a à`moJ H$aZo Ho$ H$moB© Xmo bm^ {b{IE &

10. ì`dgm{`H$ Adga H$m Š`m AW© h¡ ?

11. h[aV AW©ì`dñWm Ho$ {H$Ýht Xmo _w»` CÔoí`m| H$m CëboI H$s{OE &

{XE JE 5 àíZm| _| go {H$Ýht 3 Ho$ CÎma àË`oH$ H$m 20 go 30 eãXm| _| Xr{OE & 3´2=6

12. g_wÐr ~r_m Ho$ VhV j{Vny{V© AZw~§Y H$mo g_PmBE &

13. _moQ>a dmhZ ~r_m nm°{bgr H$m nm°{bgr “\$m°_© ~r” g_PmBE &

14. CZ hm{Z`m| H$mo g_PmBE Omo ì`[ŠVJV XþK©Q>Zm nm°{bgr Ho$ VhV H$da Zht H$s OmVr h¡ &

15. {H$Ýhr§ Mma g§n{Îm`m| H$s gyMr Xr{OE Omo g|Y_mar Ed§ Mmoar ~r_m Ho$ VhV H$da H$s OmVr h¢ &

16. lr gw{_V Zo AnZr 15 bmI H$s g§n{Îm Ho$ {déÕ A[½Z ~r_m {b`m h¡ Am¡a AmJ go H$ar~
Xmo bmI H$m ZwH$gmZ hþAm h¡ & Š`m lr gw{_V Xmo bmI go Á`mXm H$m Xmdm àmßV H$a gH$Vo
h¢ ? `{X Zht, Vmo Š`m| ? Bg pñW{V _| H$m¡Z-gm {gÕm§V bmJy hmoJm ?
11-338 12

SECTION B
(Subjective Type Questions) (30 Marks)

Answer any 3 out of the given 5 questions on Employability Skills. Answer
each question in 20 – 30 words. 3´2=6

7. How is active listening important for a student ?

8. State any two steps of improving self-management skills.

9. Write any two benefits of using a presentation software.

10. What is meant by business opportunity ?

11. State any two main objectives of green economy.

Answer any 3 out of the given 5 questions in 20 – 30 words each. 3×2=6

12. Explain the Contract of Indemnity under Marine insurance.

13. Explain the Policy “Form B” of Motor Vehicle Insurance Policy.

14. Explain the losses that are not covered under Personal Accident Policy.

15. List any four assets which are covered under burglary and theft insurance.

16. Mr. Sumit has taken Fire Insurance Policy against his property for
< 15 lakh and it is damaged by fire to the extent of < 2 lakh. Can
Mr. Sumit get a claim for more than 2 lakh ? If not, why ? Which principle

will be applicable in this situation ?

11-338 13 P.T.O.

{XE JE 3 àíZm| _| go {H$Ýht 2 àíZm| Ho$ CÎma 30 go 50 eãXm| ‘| Xr{OE & 2´3=6

17. lr A_a EH$ ì`dgm`r h¡ Am¡a CgZo ZoeZb ~r_m H$ånZr go AnZr g§n{Îm H$m ~r_m H$am`m
h¡ bo{H$Z ~r_m nm°{bgr boVo g_` CgZo Hw$N> VÏ`m| H$mo {N>nm {b`m & Xmdo Ho$ g_` na ~r_m
H$ånZr Zo Xmdm _mZZo go ñnîQ _Zm H$a {X`m & Š`m| ? H$m¡Z-gm {gÕm§V> bmJy hmoJm ?

18. g_wÐr ~r_m Ho$ VhV ‘S>²`yQ>r ~r_m’ H$mo g_PmBE &

19. nm°{bgr {dñVma H$m Š`m AW© h¡ ?

{XE JE 5 àíZm| _| go {H$Ýht 3 àíZm| Ho$ CÎma 50 go 80 eãXm| _| Xr{OE & 3´4=12

20. {ZåZ{b{IV pñW{V _| bmJy hmooZo dmbo ~r_o Ho$ {gÕm§V H$mo g_PmBE :

“~r_mYmar H$mo {H$gr ^r Vah go `m BgHo$ n[aUm_ñdê$n hm{Z go H$moB© bm^ Zht hmoZm
Mm{hE &”

21. g_wÐr ~r_m Ho$ VhV {H$Ýht Mma njm| H$s gyMr Xr{OE Omo ~r_m `mo½` {hV aIVo h¢ &

22. lr XodXmg AË`§V ÁdbZerb H¡${_H$b H$s EH$ \¡$ŠQ>ar Mbm aho h¢, Omo {H$ Omo{I_m| go ^ar
hþB© h¡ & EH$ EO|Q> hmoZo Ho$ ZmVo lr XodXmg H$mo Amn H$m¡Z -gm ~r_m XoZm Mmh|Jo ? Cg ~r_m
nm°{bgr H$mo boZo H$s à{H«$`m g_PmBE &

23. A{Zb H$mo gwaoe H$s H$ma Zo Q>ŠH$a _ma Xr Am¡a Cgo _¥V Kmo{fV H$a {X`m J`m & A{Zb Ho$
H$mZyZr CÎmam{YH$mar Ûmam H$s OmZo dmbr V¥Vr` nj Xmdo H$s à{H«$`m H$mo g_PmBE &

24. EH$ ñdmñÏ` ~r_m nm°{bgr YmaH$ H$mo AñnVmb _| ^Vu {H$`m OmVm h¡ & nm°{bgr Ho $ VhV
H$m¡Z-go IMm] H$mo H$da {H$`m OmEJm ?

11-338 14

Answer any 2 out of the given 3 questions in 30 – 50 words each. 2´3=6

17. Mr. Amar is a businessman and he insured his property with National
Insurance Company, but hid some facts at the time of taking the insurance
policy. At the time of claim, the insurance company clearly denied the
claim. Why ? Which principle will be applicable here ?

18. Explain ‘Duty Insurance’ under Marine Insurance.

19. What is meant by policy extension ?

Answer any 3 out of the given 5 questions in 50 – 80 words each. 3´4=12

20. Explain the Principle of Insurance that will be applicable in the following
case :
“Insured should not make any profit in any way or as a consequence of
loss.”

21. List any four parties under Marine Insurance that have insurable interest.

22. Mr. Devdas is running a highly inflammable chemical factory, which is
hazardous. Being an agent, which types of insurance would you prefer to
offer Mr. Devdas ? Explain the procedure to take that insurance policy.

23. Anil got hit by Suresh’s car and was declared dead. Explain the third
party claim procedure which should be followed by the legal heirs of Anil.

24. A health insurance policy holder is admitted to the hospital. Which types of
expenses may be covered under the policy ?

11-338 15 P.T.O.

CBSE STUDY MATERIAL

CBSE Board

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