CBSE Class 12 Insurance Question Paper 2020

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

ZmoQ> NOTE
(I) H¥$n`m Om±M H$a b| {H$ Bg àíZ-nÌ _o§ _w{ÐV (I) Please check that this question
n¥ð> 11 h¢ & paper contains 11 printed pages.

(II) àíZ-nÌ _| Xm{hZo hmW H$s Amoa {XE JE H$moS (II) Code number given on the right
>Zå~a H$mo N>mÌ CÎma-nwpñVH$m Ho$ _wI-n¥ð> na hand side of the question paper
{bI| & should be written on the title page of
the answer-book by the candidate.
(III) H¥$n`m Om±M H$a b| {H$ Bg àíZ-nÌ _| (III) Please check that this question
>42 àíZ h¢ & paper contains 42 questions.
(IV) H¥$n`m àíZ H$m CÎma {bIZm ewê$ H$aZo go (IV) Please write down the Serial
nhbo, CÎma-nwpñVH$m _| àíZ H$m H«$_m§H$ Number of the question in the
Adí` {bI| & answer-book before attempting it.
(V) Bg àíZ-nÌ H$mo n‹T>Zo Ho$ {bE 15 {_ZQ >H$m (V) 15 minute time has been allotted to
g_` {X`m J`m h¡ & àíZ-nÌ H$m {dVaU read this question paper. The
nydm©• _| 10.15 ~Oo {H$`m OmEJm & question paper will be distributed
10.15 ~Oo go 10.30 ~Oo VH$ N>mÌ Ho$db at 10.15 a.m. From 10.15 a.m. to
10.30 a.m., the students will read the
àíZ-nÌ H$mo n‹T>|Jo Am¡a Bg Ad{Y Ho$ Xm¡amZ question paper only and will not
do CÎma-nwpñVH$m na H$moB© CÎma Zht {bI|Jo & write any answer on the answer-
book during this period.

~r_m
INSURANCE

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

.338 1 P.T.O.

gm_mÝ` {ZX}e :
{ZåZ{b{IV {ZX}em| H$mo ~hþV gmdYmZr go n{‹T>E Am¡a CZH$m nmbZ H$s{OE :
(a) Bg àíZ-nÌ _| Xmo IÊS> h¢ & IÊS> H$ … amoOJma H$m¡eb Am¡a IÊS> I … {df` H$m¡eb &
(b) IÊS> H$ … amoOJma H$m¡eb (10 A§H$)
(i) {XE JE 6 àíZm| _| go {H$Ýht 4 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 1 A§H$ H$m h¡ &
(ii) {XE JE 5 àíZm| _| go {H$Ýht 3 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 2 A§H$ H$m h¡ &
(c) IÊS> I … {df` H$m¡eb (50 A§H$)
(i) {XE JE 12 àíZm| _| go {H$Ýht 10 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 1 A§H$ H$m h¡ &
(ii) {XE JE 7 àíZm| _| go {H$Ýht 5 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 2 A§H$ H$m h¡ &
(iii) {XE JE 7 àíZm| _| go {H$Ýht 5 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 3 A§H$ H$m h¡ &
(iv) {XE JE 5 àíZm| _| go {H$Ýht 3 àíZm| Ho$ CÎma Xr{OE & àË`oH$ àíZ 5 A§H$ H$m h¡ &
(d) Bg àíZ-nÌ _| 42 àíZ em{_b h¢ {OZ_| go 30 àíZm| Ho$ CÎma XoZo h¢ &
(e) g^r àíZm| Ho$ {deof ^mJ /IÊS> H$mo ghr H«$_ _| H$s{OE &
(f) A{YH$V_ g_` 3 K§Q>o h¡ &

IÊS> H$
(amoOJma H$m¡eb) (10 A§H$)

{XE JE 6 àíZm| ‘| go {H$Ýht Mma àíZm| Ho$ CÎma Xr{OE & à˶oH$ àíZ 1 A§H$ H$m h¡ & 14=4

1. {ZåZ{b{IV dmŠ`m| H$mo {XE JE eãX/eãXm| H$m à`moJ H$aVo hþE Xþ~mam {b{IE & AmnH$m
CÎma EH$ dmŠ` _| hmo : 1

(a) Cgo H$m°\$s ngÝX Zht h¡ & Cgo Mm` ^r ngÝX Zht h¡ &
____________ Z ____________

(b) dh amo{hV H$s _m± h¡ & dh gr_m H$s ^r _m± h¡ &
____________ XmoZm| __________

.338 2

General Instructions :
Read the following instructions very carefully and strictly follow them :
(a) This question paper consists of two sections viz. Section A : Employability
Skills and Section B : Subject Skills.
(b) Section A : Employability Skills (10 Marks)
(i) Answer any 4 questions out of the given 6 questions of 1 mark each.
(ii) Answer any 3 questions out of the given 5 questions of 2 marks each.
(c) Section B : Subject Skills (50 Marks)
(i) Answer any 10 questions out of the given 12 questions of 1 mark each.
(ii) Answer any 5 questions out of the given 7 questions of 2 marks each.
(iii) Answer any 5 questions out of the given 7 questions of 3 marks each.
(iv) Answer any 3 questions out of the given 5 questions of 5 marks each.
(d) This question paper contains 42 questions out of which 30 questions are to be
answered.
(e) All questions of a particular part/section must be attempted in the correct
order.
(f) The maximum time allowed is 3 hours.

SECTION A
(Employability Skills) (10 Marks)

Answer any four questions out of the given 6 questions of 1 mark each : 14=4

1. Rewrite the following sentences using the word(s) given. Your answer
must be in one sentence. 1
(a) She does not like coffee. She does not like tea also.
__________________ neither _______________
(b) She is the mother of Rohit. She is also the mother of Seema.
__________________ both _______________

.338 3 P.T.O.

2. EH$ EŠgb erQ> _| n§{º$`m± (amo) VWm ñVå^ (H$m°b_) Š`m hmoVo h¢ ? 1

3. EH$ nmdanm°BÝQ> _| ñbmBS> H$m Š`m AW© h¡ ? 1

4. AmË_-{dídmg EH$ __________ H$m EH$ JwU h¡ & 1

(A) CÚ_r
(B) OwAmar
(C) Xbmb
(D) {Z`moº$m

5. AmË_-OmJê$H$Vm H$m AW© ~VmBE & 1

6. h[aV H$m`m] go Amn Š`m g_PVo h¢ ? 1

{XE JE 5 àíZm| ‘| go {H$Ýht VrZ àíZm| Ho$ CÎma Xr{OE & à˶oH$ àíZ 2 A§H$ H$m h¡ & 23=6

7. H$m`©-ñWb na g{H«$`Vm go gwZZo Ho$ _hÎd H$mo g_PmBE & 2

8. {H$Ýht Mma gH$mamË_H$ VWm Mma ZH$mamË_H$ ì`{º$Ëd bjUm| H$s gyMr ~ZmBE & 2

9. EH$ ñàoS>erQ> H$m {Z_m©U H$aVo g_` hare Zo Bg Amem Ho$ gmW {H$ g¡b 87 Xem©EJm,
EŠgàoeZ 28 + 59 H$s à{d{ï> H$s naÝVw g¡b _| Ho$db 28 + 59 hr Xem©`m J`m &
EŠgno«oeZ 28 + 59 _| Š`m n[adV©Z {H$`m OmZm Mm{hE Vm{H$ g¡b 87 Xem©E ? 2

10. AmË_-A{^àoaUm Š`m h¡ ? g§jon _| BgHo$ _hÎd H$mo g_PmBE & 2

11. D$Om© g§ajU Ho$ {H$Ýht Mma Cnm`m| H$s gyMr ~ZmBE & 2

.338 4

2. What are the rows and columns in an Excel Sheet ? 1

3. What is meant by a slide in PowerPoint ? 1

4. Self-confidence is a quality of a/an ____________ . 1

(A) entrepreneur

(B) gambler

(C) broker

(D) employer

5. State the meaning of self-awareness. 1

6. What do you mean by green jobs ? 1

Answer any three questions out of the given 5 questions of 2 marks each : 23=6

7. Explain the importance of active listening at the workplace. 2

8. Give a list of any four positive and four negative personality traits. 2

9. While creating a spreadsheet, Harish entered the expression 28 + 59 in a
cell expecting the cell will display 87 but the cell displayed 28 + 59 only.
What changes should be made in the expression 28 + 59 so that the cell
displays 87 ? 2

10. What is self-motivation ? Explain its importance in brief. 2

11. List any four measures for conservation of energy. 2

.338 5 P.T.O.

IÊS> I
({df¶ H$m¡eb) (50 A§H$)
{XE JE 12 àíZm| ‘| go {H$Ýht Xg àíZm| Ho$ CÎma Xr{OE & à˶oH$ àíZ 1 A§H$ H$m h¡ & 110=10
12. EH$ ~r_m Ho$ AZw~ÝY _| ~r{_V Ûmam {XE OmZo dmbo à{V\$b H$mo __________ H$hVo h¢ & 1
(A) Xmdo H$s am{e
(B) g_n©U _yë`
(C) n[anŠdVm am{e
(D) àr{_`_
12. EH$ ~r_m nm°{bgr Ho$ AÝVJ©V ~r_mH$Vm© Ho$ Xm{`Ëd H$s A{YH$V_ gr_m ___________ h¡ & 1
(A) ~r_m H$s am{e
(B) {X`m J`m àr{_`_
(C) hm{Z H$s am{e
(D) Xmdo H$s am{e
14. Š`m < 10 H$amo‹S> H$s MwH$Vm ny±Or dmbr npãbH$ {b{_Q>oS> H$ånZr ^maV _| ~r_m ì`dgm`
Amaå^ H$a gH$Vr h¡ ? 1
15. ^y-ñIbZ VWm ~m‹T> go hmoZo dmbr hm{Z H$m ~r_m {H$g àH$ma H$s gm_mÝ` ~r_m nm°{bgr Ho$
AÝVJ©V {H$`m OmVm h¡ ? 1
16. {H$g àH$ma H$s g_wÐr ~r_m nm°{bgr OhmOm| Ho$ ~r_m go gå~{YV h¡ ? 1
17. EH$ g_wÐr ~r_m Ho$ AZw~ÝY _| ~r_m-`mo½` {hV {H$g g_` Adí` {dÚ_mZ hmoZm Mm{hE ? 1
18. Š`m g_wÐr ~r_m Ho$ AÝVJ©V EH$ df© go A{YH$ Ad{Y Ho$ {bE g_` nm°{bgr d¡Y h¡ ? 1
19. Cg àboI H$m Zm_ {b{IE Omo EH$ dmhZ H$m ~r_m hmoZo Ho$ gmú` Ho$ ê$n _| ñdrH$m`© hmoVm
h¡ & 1
20. AñnVmb _| ^Vu Ho$ ì`` Ho$ {bE Xmdm {H$g ~r_m nm°{bgr Ho$ AÝVJ©V {H$`m Om gH$Vm h¡ ? 1
21. J¥h-doYZ go gån{Îm H$s hm{Z Ho$ {bE AmdaU (H$da) {H$g àH$ma H$s nm°{bgr Ho$ Ûmam
àXmZ {H$`m OmVm h¡ ? 1
22. Š`m AMmZH$ {Xb H$m Xm¡am n‹S>Zo go hþB© _¥Ë`w ì`{º$JV XþK©Q>Zm ~r_m nm°{bgr Ho$ AÝVJ©V
H$da hmoJr ? 1
23. {H$g àH$ma H$s A{¾ ~r_m nm°{bgr Ho$ AÝVJ©V {d{^Þ ñWmZm| na pñWV JmoXm_m| _| aIo _mb
H$m ~r_m hmo OmVm h¡ ? 1

.338 6

SECTION B
(Subject Skills) (50 Marks)

Answer any ten questions out of the given 12 questions of 1 mark each : 110=10
12. The consideration paid by the insured under a contract of insurance is
called ____________ . 1
(A) Claim amount
(B) Surrender value
(C) Maturity amount
(D) Premium
13. The maximum limit of liability of insurer under an insurance policy is
the __________ . 1
(A) sum insured
(B) premium paid
(C) amount of loss
(D) amount claimed
14. Can a public limited company having a paid-up capital of < 10 crore start
a general insurance business in India ? 1
15. Under which type of general insurance policy is the loss caused by
landslide and flood covered ? 1
16. What type of marine insurance policy is concerned with the insurance of
ships ? 1
17. At what time must insurable interest exist in the case of a contract of
marine insurance ? 1
18. Is a time policy under marine insurance valid for a period exceeding one
year ? 1
19. Name the document which is acceptable as an evidence of the existence of
the insurance of a vehicle. 1
20. Under which insurance policy can claim be filed for the expenses of
hospitalisation ? 1
21. Which type of policy provides coverage against loss of property by
house-breaking ? 1
22. Will death on account of sudden heart attack be covered under Personal
Accident Insurance Policy ? 1
23. Under which type of fire insurance policy are stocks stored in godowns
located at different places ? 1

.338 7 P.T.O.

{XE JE 7 àíZm| ‘| go {H$Ýht nm±M àíZm| Ho$ CÎma Xr{OE & à˶oH$ àíZ 2 A§H$ H$m h¡ & 25=10

24. _yë`m§{H$V A{¾ ~r_m nm°{bgr Š`m hmoVr h¡ ? 2

25. ApñWa (âbmoqQ>J) g_wÐr ~r_m nm°{bgr {H$go H$hVo h¢ ? 2

26. g_wÐr ~r_m _| `mÌm nm°{bgr H$m Š`m AW© h¡ ? 2

27. _moQ>a dmhZ ~r_m _| AmdaU nÌ (H$da ZmoQ>) H$m Š`m Cn`moJ h¡ ? 2

28. amoH$‹S>-a{hV ñdmñÏ` ~r_m nm°{bgr go Amn Š`m g_PVo h¢ ? 2

29. V¥Vr` nj àemgH$ H$s {Z`w{º$ Š`m| H$s OmVr h¡ ? 2

30. g|Y_mar ~r_m Š`m hmoVm h¡ ? 2

{XE JE 7 àíZm| ‘| go {H$Ýht nm±M àíZm| Ho$ CÎma Xr{OE & à˶oH$ àíZ 3 A§H$ H$m h¡ & 35=15

31. ~r_m AZw~ÝYm| VWm JmaÝQ>r Ho$ AZw~ÝYm| Ho$ ~rM {H$Ýht VrZ AÝVam| H$mo ~VmBE & 3

32. Eogo {H$Ýht VrZ VÏ`m| H$mo ~VmBE {OZH$mo Z ~VmE OmZo go EH$ gm_mÝ` ~r_m AZw~ÝY H$s
d¡YVm na à^md Zht n‹S>Vm & 3

33. gm_mÝ` ~r_m Ho$ _hÎd H$mo g_PmBE & 3

34. A{¾ ~r_m nm°{bgr _| Am¡gV dmŠ` H$mo EH$ CXmhaU XoVo hþE g_PmBE & 3

35. A{¾ ~r_m _| Xmdm àñVwV H$aVo g_` {H$Z àboIm| H$mo àñVwV H$aZm hmoVm h¡ ? 3

36. _moQ>a dmhZ Ho$ V¥Vr` njH$ma ~r_m go gå~pÝYV àmdYmZm| H$mo ~VmBE & 3

37. H$moB© VrZ n[apñW{V`m± ~VmBE {OZgo g|Y_mar Ed§ Mmoar ~r_m Xmdm AñdrH$ma {H$`m Om
gH$Vm h¡ & 3

.338 8

Answer any five questions out of the given 7 questions of 2 marks each : 25=10

24. What is Valued Fire Insurance Policy ? 2

25. What is called a Floating Marine Insurance Policy ? 2

26. What is meant by Voyage Policy in marine insurance ? 2

27. What is the use of Cover Note in Motor Vehicle Insurance ? 2

28. What do you mean by Cashless Health Insurance Policy ? 2

29. Why is a Third Party Administrator appointed ? 2

30. What is Burglary Insurance ? 2

Answer any five questions out of the given 7 questions of 3 marks each : 35=15

31. Give any three differences between contracts of insurance and contracts
of guarantee. 3

32. State any three facts, the non-disclosure of which does not affect the
validity of a general insurance contract. 3

33. Explain the importance of general insurance. 3

34. Explain giving an example, the average clause in a fire insurance policy. 3

35. What documents have to be submitted while filing a claim under fire
insurance ? 3

36. State the provisions relating to Third Party Motor Vehicle Insurance. 3

37. State any three circumstances under which a Burglary and Theft
Insurance Claim may be rejected. 3

.338 9 P.T.O.

{XE JE 5 àíZm| ‘| go {H$Ýht VrZ àíZm| Ho$ CÎma Xr{OE & à˶oH$ àíZ 5 A§H$ H$m h¡ & 53=15

38. gm_mÝ` ~r_m AZw~ÝYm| Ho$ gÝX^© _| j{Vny{V© Ed§ ñWmZmnÞ Ho$ {gÕmÝVm| H$mo g_PmBE & 5

39. g_wÐr ~r_m AZw~ÝYm| _| AmídmgZm| (dmaÝQ>rµO) H$m Š`m AW© h¡ ? Eogo {H$Ýht VrZ
AmídmgZm| H$m C„oI H$s{OE Omo EH$ g_wÐr ~r_m AZw~ÝY _| J{^©V h¢ & 5

40. `h OmZZo Ho$ níMmV² {H$ AmnH$s H$ma Mmoar hmo JB© h¡ Amn VwaÝV Š`m H$X_ CR>m E±Jo ? H$ma
H$s Mmoar Ho$ {bE ~r_m Xmdm àñVwV H$aZo H$s à{H«$`m H$m dU©Z H$s{OE & 5

41. EH$ g|Y_mar ~r_m Ho$ àñVmd-nÌ _| Š`m OmZH$m[a`m± àXmZ H$aZr hmoVr h¢ ? g§jon _|
g_PmBE & 5

42. ì`{º$JV XþK©Q>Zm ~r_m nm°{bgr Ho$ AÝVJ©V Š`m bm^ CnbãY hmoVo h¢ ? 5

.338 10

Answer any three questions out of the given 5 questions of 5 marks each : 53=15

38. Explain the principles of indemnity and subrogation with reference to
contracts of general insurance. 5

39. What is meant by warranties in a contract of marine insurance ? State
any three warranties which are implied in a marine insurance contract. 5

40. What immediate action will you take on coming to know that your car is
stolen ? Describe the procedure of filing the insurance claim for car theft. 5

41. What information needs be provided in the proposed form for burglary
insurance ? Explain in brief. 5

42. What benefits are available under a Personal Accident Insurance Policy ? 5

.338 11 P.T.O.