Iiqe Paper 2 Pastpaper 20200518

2CEXAM Mock Question
IIQE Paper 2
18-May-20
15:07:01
1 Upon successful registration as VHIS providers, insurance companies must provide their existing Topic 1
policyholders of individual hospital insurance with an opportunity to:
A Insure certified plans at more favorable prices Chapter 2
B Switch to certified plans Section 3d
C Obtain loans to insure certified plans QID 684
D Get the refund of the premiums Ans B Hot
Exp Upon successful registration as VHIS Providers, insurance companies must provide their existing
policyholders of individual hospital insurance with an opportunity to switch (or "migrate") to Certified
Plans. The answer is B.
2 With flexi plans subject to restrictions in territorial scope of cover, can hospitalization expenses abroad be Topic 1
covered?
A Under no circumstances Chapter 2
B Flexi plans are not subject to restrictions in territorial scope of cover Section 3c
C The basic benefits/standard plan parts of the flexi plans are covered, while the enhanced benefits are not QID 673
covered due to restrictions in territorial scope of cover
D The basic benefits/standard plan parts of the flexi plans are not covered, while the enhanced benefits are Ans C Hot
not subject to restrictions in territorial scope of cover and can be covered
Exp With Flexi Plans subject to restrictions in territorial scope of cover, VHIS Providers should explain the
definition of regions with restrictions and the benefit adjustment rules, and that the reduction is
inapplicable to the Basic Benefits of the Flexi Plans, i.e. the coverage equivalent to the Standard Plan. The
answer is C.
3 Can VHIS consumers choose healthcare services providers? Topic 1
A Both standard plans and flexi plans can Chapter 2
B Standard plans and flexi plans cannot Section 3c
C Standard plans can, but flexi plans cannot QID 674
D Standard plans and the basic benefits of the flexi plans can, and the enhanced benefits will depend on the Ans D Hot
terms
Exp In the case of a Standard Plan, VHIS Providers should explain to consumers during the selling process
and upon enquiry that all benefits described in the Standard Plan are not subject to any restriction in the
choice of healthcare services providers. With Flexi Plans subject to restrictions in the choice of healthcare
services providers, they should instead explain the list of selected healthcare services providers, and that
the restrictions are inapplicable to the Basic Benefits of the Flexi Plans, i.e. the coverage equivalent to the
Standard Plan. The answer is D.
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4 Can VHIS consumers choose ward classes? Topic 1
A Both standard plans and flexi plans can Chapter 2
B Standard plans and flexi plans cannot Section 3c
C Standard plans can, but flexi plans cannot QID 675
D Standard plans and the basic benefits of the flexi plans can, and the enhanced benefits will depend on the Ans D Hot
terms
and upon enquiry that all benefits described in the Standard Plan are not subject to any restriction in the
choice of ward class. With Flexi Plans subject to restrictions in the choice of ward class, they should
instead explain the targeted ward class and the details of benefit adjustment upon voluntary choice of
higher ward classes, and that the insurance company will guarantee that such benefit adjustment will not
apply in the event of involuntary ward upgrade, or to the Basic Benefits of the Flexi Plans (i.e. the
coverage equivalent to the Standard Plan) in the event of voluntary ward upgrade. The answer is D.
5 Benefits for diagnostic imaging tests are: Topic 1
A Coinsurance arrangements under standard plans, and deductible arrangements for flexi plans Chapter 2
B Deductible arrangements under standard plans, and coinsurance arrangements for flexi plans Section 3c
C Deductible arrangements for both standard plans and flexi plans QID 676
D Coinsurance arrangements for both standard plans and flexi plans, while deductible arrangements which Ans D Hot
may offered by flexi plans
Exp VHIS Providers should explain to consumers during the selling process and upon enquiry the coinsurance
arrangement of prescribed diagnostic imaging tests under the Standard Plan, and the coinsurance and
deductible arrangements approved by the FHB for eligible Flexi Plans, if any. The answer is D.
6 Which of the following organizations issued a guideline on medical insurance business to be applicable to Topic 1
all medical insurance business, including the VHIS, which will provide guidance on the expected standard
and practices to ensure fair treatment of customers?
A Food and Health Bureau Chapter 2
B Insurance Authority Section 3c
C Hong Kong Federation of Insurers QID 677
D Hospital Authority Ans B Hot
Exp The IA issued a guideline on medical insurance business to be applicable to all medical insurance
business, including the VHIS. The guideline will provide guidance on the expected standard and practices
to ensure fair treatment of customers. The answer is B.
7 The VHIS is applicable to: Topic 1
A Hong Kong residents (including holders of Hong Kong Identity Card) aged between 15 days and 80 years Chapter 2
B Hong Kong residents (including holders of Hong Kong Identity Card) aged between 15 and 80 years Section 3d
C Hong Kong permanent residents (including holders of Hong Kong Identity Card) aged between 15 days QID 678
and 80 years
D Hong Kong permanent residents (including holders of Hong Kong Identity Card) aged between 15 and 80 Ans A Hot
years
Exp Insured persons under the VHIS must be Hong Kong residents (including holders of Hong Kong Identity
Card) aged between 15 days and 80 years. The answer is A.

8 The VHIS premiums are set according to which organization? Topic 1
A Food and Health Bureau Chapter 2
B Insurance Authority Section 3d
D Setting of VHIS premiums is unfettered and in line with the free market principle Ans D Hot
Exp Setting of VHIS premiums is unfettered and in line with the free market principle. The answer is D.
9 VHIS premiums are determined mainly on the basis of: Topic 1
I. Nationality
II. Age
III. Gender
IV. Applicant's income
A I, II Chapter 2
B I, III Section 3d
C II, III QID 680
D I, II, III, IV Ans C Hot
Exp In line with the free market principle, VHIS Providers are free to set their own premium levels. By common
market practice, Certified Plans may charge standard premiums that differ by age and gender. The answer
is C.
10 Do VHIS providers need to publish agebanded premium schedules for their certified plans? Topic 1
A VHIS providers are not required to publish agebanded premium schedules for their certified plans Chapter 2
B VHIS providers are required to publish agebanded premium schedules for their certified plans Section 3d
C VHIS providers are required to publish agebanded premium schedules for their certified plans of standard QID 681
plans
D VHIS providers are required to publish agebanded premium schedules for their certified plans of standard Ans B Hot
and flexi plans
Exp In order to enhance market transparency and promote price competition, it is a requirement that VHIS
Providers publish agebanded premium schedules for their Certified Plans. The answer is B.
11 Does the VHIS cover prescribed non-surgical cancer treatments? Topic 1
A Full coverage is available Chapter 2
B No coverage can be provided Section 3d
C Partial coverage can be provided, subject to 30% coinsurance by the policyholder QID 693
D Partial coverage can be provided, subject to 70% coinsurance by the policyholder Ans A Hot
Exp Coverage of the VHIS is extended to include prescribed non-surgical cancer treatments. Chemotherapy,
radiotherapy, targeted therapy, immunotherapy and hormonal therapy for cancer treatments are covered.
The answer is A.

12 Do VHIS providers need to notify the applicants after rejecting the applications? Topic 1
A VHIS providers only need to notify the applicants of the rejection without providing explanations Chapter 2
B VHIS providers need to notify the applicants of the rejection and provide explanations Section 3d
C VHIS providers only need to notify the applicants of the rejection without providing explanations and, QID 683
upon the applicants' request, provide written notice for such explanations
D VHIS providers need to notify the applicants of the rejection and provide explanations and, upon the Ans D Hot
applicants' request, provide written notice for such explanations
Exp VHIS Providers are required to explain their underwriting decisions and application results to the
applicants concerned and, upon the applicants’ request, provide written notice for such explanations. The
answer is D.
13 VHIS Providers should ensure that all sales and marketing materials are accurate and in a nonmisleading Topic 1
manner, and:
A In Chinese and English Chapter 2
B In Chinese and English (except for social media and advertisements) Section 3c
C In Chinese or English as required QID 670
D Only in Chinese Ans B Hot
Exp VHIS Providers should ensure that all sales and marketing materials are accurate and in a nonmisleading
manner, in Chinese and English (except for social media and advertisements), in plain language and
complete. The answer is B.
14 Can VHIS providers increase or decrease the premiums during each policy year and upon renewal? Topic 1
A Yes, they can Chapter 2
B No, they cannot Section 3d
C Yes, they can if the insured's circumstances are different QID 685
D Not if the insured's circumstances are different Ans B Hot
Exp During each policy year and upon renewal, no additional rate or amount of premium loading or casebased
exclusion(s) on the insured person may be imposed by reason of any change in the insured person's
health condition. The answer is B.
15 Can VHIS providers add the casebased exclusion(s) during each policy year and upon renewal? Topic 1
A Yes, they can Chapter 2
B No, they cannot Section 3d
C Yes, they can if the insured's circumstances are different QID 686
D Not if the insured's circumstances are different Ans B Hot
Exp During each policy year and upon renewal, no additional rate or amount of premium loading or casebased
exclusion(s) on the insured person may be imposed by reason of any change in the insured person's
health condition. The answer is B.

16 The insured is guaranteed a right of renewal up to the age of: Topic 1
A 65 Chapter 2
B 80 Section 3d
C 99 QID 687
D 100 Ans D Hot
Exp The insured is guaranteed a right of renewal up to the age of 100. Moreover, there is no "lifetime benefit
limit" - the maximum amount of benefits that a medical insurance policy says it will pay cumulatively
during the lifetime of the insured person. The answer is D.
17 Is there a cooling-off period for the VHIS? Topic 1
A The VHIS has no cooling-off period Chapter 2
B The policyholder shall get full refund of the premiums paid provided no benefit payment has been made or Section 3d
is to be made or impending with a cooling-off period of not less than 14 days
C The policyholder shall get full refund of the premiums paid provided no benefit payment has been made or QID 688
D The policyholder shall get full refund of the premiums paid provided no benefit payment has been made or Ans C Hot
Exp The VHIS policyholder has the right ("cooling-off right") to cancel a newly effected policy during the 21-
day period (or a longer period offered by the VHIS providers) after the delivery of the policy to the
policyholder or to the policyholder's representative or the issuance of notice of policy availability to the
policyholder or to the policyholder's representative, whichever is the earlier, with full refund of the
premiums paid provided no benefit payment has been made or is to be made or impending. The answer is
C.
18 Does the VHIS cover unknown pre-existing conditions? Topic 1
A Pre-existing conditions not known at the time of joining are not covered Chapter 2
B Pre-existing conditions not known at the time of joining are not covered during a waiting period of one Section 3d
year upon policy inception and fully covered from the 2nd policy year onwards
C Pre-existing conditions not known at the time of joining are not covered during a waiting period of 3 years QID 689
upon policy inception and fully covered from the 4th policy year onwards
D Pre-existing conditions not known at the time of joining are partially covered during a waiting period of 3 Ans D Hot
years upon policy inception (i.e. no coverage in the 1st policy year, 25% reimbursement in the 2nd policy
year and 50% in the 3rd policy year) and fully covered from the 4th policy year onwards
Exp Coverage of VHIS is extended to include unknown pre-existing conditions. Pre-existing conditions not
known at the time of joining are partially covered during a waiting period of 3 years upon policy inception
(i.e. no coverage in the 1st policy year, 25% reimbursement in the 2nd policy year and 50% in the 3rd
policy year) and fully covered from the 4th policy year onwards. The answer is D.
19 Does the VHIS cover the treatment of congenital conditions? Topic 1
A The VHIS covers the treatment of congenital conditions Chapter 2
B The VHIS does not cover the treatment of congenital conditions Section 3d
C Investigation and treatment of congenital conditions which have manifested or been diagnosed after the QID 690
age of 8 are covered by the VHIS
D Investigation and treatment of congenital conditions which have manifested or been diagnosed after the Ans C Hot
age of 18 are covered by the VHIS
Exp Investigation and treatment of congenital conditions which have manifested or been diagnosed after the
age of 8 are covered by the VHIS. The answer is C.

20 Does the VHIS cover day case procedures not conducted in hospital? Topic 1
A Under no circumstances Chapter 2
B Any situation will do Section 3d
C If it is medical necessity QID 691
D If it's medical necessity and it has to be surgical Ans D Hot
Exp Coverage of VHIS is extended to include day case procedures. Surgical procedures (including endoscopy)
not conducted in hospital are covered, subject to such provisos as "medical necessity". The answer is D.
21 Does the VHIS cover prescribed advanced diagnostic imaging tests not conducted in hospital? Topic 1
A Full coverage is available Chapter 2
B No coverage can be provided Section 3d
C Partial coverage can be provided, subject to 30% coinsurance by the policyholder QID 692
D Partial coverage can be provided, subject to 70% coinsurance by the policyholder Ans C Hot
Exp Prescribed advanced diagnostic imaging tests not conducted in hospital are covered by the VHIS, subject
to 30% coinsurance. The answer is C.
22 VHIS providers shall comply with: Topic 1
I. Registration Rules for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme
II. Voluntary Health Insurance Scheme Certified Plan Policy Template
III. Product Compliance Rules under the Ambit of the Voluntary Health Insurance Scheme
IV. Rules for the Sale of the Voluntary Health Insurance Scheme
A I, II, III Chapter 2
B I, II, IV Section 3c
C I, III, IV QID 657
D II, III, IV Ans A Hot
Exp The FHB has set out the scheme rules in a set of scheme documents for compliance by VHIS Providers:
(i) Registration Rules for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme;
(ii) Voluntary Health Insurance Scheme Certified Plan Policy Template;
(iii) Product Compliance Rules under the Ambit of the Voluntary Health Insurance Scheme;
(iv) Code of Practice for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme.
The answer is A.
23 Can VHIS providers reject any applications? Topic 1
A VHIS providers may reject the applications Chapter 2
B VHIS providers cannot reject the applications Section 3d
C VHIS providers may reject flexi plans, but must accept standard plans QID 682
D VHIS providers may reject standard plans, but must accept flexi plans Ans A Hot
Exp It is not mandatory for VHIS Providers to accept any applications. They may underwrite the insured
persons to assess their risks, and decide whether to accept the applications unconditionally, accept the
applications with premium loading and/or case-based exclusions, or reject the applications. The answer is
A.

24 Is the Voluntary Health Insurance Scheme mandatory? Topic 1
A Compulsory participation for Hong Kong residents under the age of 18 and over 65, while voluntary Chapter 2
participation for other residents
B Voluntary participation for Hong Kong residents under the age of 18 and over 65, while compulsory Section 3a
participation for other residents
C Voluntary participation for Hong Kong residents, while compulsory participation for non-local labourers QID 648
D Only Hong Kong residents can participate voluntarily, and non-local labourers cannot Ans D Hot
Exp The Voluntary Health Insurance Scheme ("VHIS") is a policy initiative implemented by the Food and Health
Bureau ("FHB") of the Government to regulate individual indemnity hospital insurance products, with
voluntary participation by insurance companies and consumers. Under the VHIS, the participating
insurance companies can offer indemnity hospital insurance plans ("IHIP") that have been certified by the
FHB ("Certified Plans") for individual consumers to purchase voluntarily.
Insured persons under the VHIS must be Hong Kong residents (including holders of Hong Kong Identity
Card) aged between 15 days and 80 years.
The answer is D.
25 Which of the following documents illustrates the minimum requirements on the policy structure, terms Topic 1
and benefits of certified plans, including standard plans and flexi plans?
A Registration Rules for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme Chapter 2
B Voluntary Health Insurance Scheme Certified Plan Policy Template Section 3c
C Product Compliance Rules under the Ambit of the Voluntary Health Insurance Scheme QID 658
D Rules for the Sale of the Voluntary Health Insurance Scheme Ans B Hot
Exp The Voluntary Health Insurance Scheme Certified Plan Policy Template(Policy Template) illustrates the
minimum requirements on the policy structure, terms and benefits of Certified Plans, including Standard
Plans and Flexi Plans. The answer is B.
26 The Voluntary Health Insurance Scheme Certified Plan Policy Template illustrates the minimum Topic 1
requirements on the ___, ___and ___ of certified plans.
I. Customer's eligibility for insurance
II. Policy structure
III. Terms
IV. Benefits
A I, II, III Chapter 2
B I, II, IV Section 3c
C I, III, IV QID 659
D II, III, IV Ans D Hot
Exp The Voluntary Health Insurance Scheme Certified Plan Policy Template(Policy Template) illustrates the
minimum requirements on the policy structure, terms and benefits of Certified Plans, including Standard
Plans and Flexi Plans. The answer is D.

27 Where an insurance policy covers not only a certified plan but also another insurance plan, the policy will Topic 1
contain terms and benefits that the Policy Template does not stipulate. Are these terms and benefits
subject to the requirements of the VHIS?
A Subject to the requirements in any case Chapter 2
B Not subject to the requirements in any case Section 3c
C Subject to the requirements as appropriate QID 660
D This is unlikely to happen because a voluntary health insurance product cannot cover another insurance Ans B Hot
plan other than a certified plan
Exp Where an insurance policy covers not only a Certified Plan but also another insurance plan (e.g. where a
Certified Plan forms a rider to a life insurance policy), the policy will contain terms and benefits that the
Policy Template does not stipulate, and these terms and benefits will not be subject to the requirements of
the VHIS. The answer is B.
28 Which of the following documents sets out the minimum product design requirements for an insurance Topic 1
plan to be certified as VHIS-compliant and the relevant product certification procedure?
D Rules for the Sale of the Voluntary Health Insurance Scheme Ans C Hot
Exp The Product Compliance Rules under the Ambit of the Voluntary Health Insurance Scheme set out the
minimum product design requirements for an insurance plan to be certified as VHIS-compliant and the
relevant product certification procedure. The answer is C.
29 Which of the following plans are certified plans according to the Product Compliance Rules under the Topic 1
Ambit of the Voluntary Health Insurance Scheme?
A Group indemnity hospital insurance plans Chapter 2
B Individual indemnity hospital insurance plans Section 3c
C Hospital cash plans QID 662
D Indemnity insurance plans that cover specific illnesses only Ans B Hot
Exp All Certified Plans must be individual IHIP. The following are some examples that are not deemed to be
individual IHIP: group insurance plans with master policy for employees; outpatient insurance plans; non-
indemnity insurance plans including hospital cash plans and critical illness cash plans; and indemnity
insurance plans that cover specific illnesses (e.g. cancer) only. The answer is B.
30 Plans which offer terms and benefits equivalent to the minimum requirements of certified plans under the Topic 1
VHIS are called:
A Minimum plans Chapter 2
B Basic plans Section 3c
C Standard plans QID 663
D Mandatory plans Ans C Hot
Exp A standard plan must offer terms and benefits equivalent to the minimum requirements of Certified Plans
under the VHIS, namely Basic Benefits, as prescribed in the Policy Template. The answer is C.

31 Compared with a standard plan, the terms and benefits of a plan will bring more protection to the Topic 1
customer, which is called a/an:
A Luxury plan Chapter 2
B Enhancement plan Section 3c
C Supplement plan QID 664
D Flexi plan Ans D Hot
Exp The design of Flexi Plans must adhere to the "better-off principle" entailing terms and benefits which will
bring more protection to customers when compared with a Standard Plan. The answer is D.
32 Standard plans can provide: Topic 1
I. Basic benefits
II. Enhanced benefits
III. Other benefits
A I Chapter 2
B I, II Section 3c
C I, III QID 665
D I, II, III Ans C Hot
Exp A Standard Plan must offer terms and benefits equivalent to the minimum requirements of Certified Plans
under the VHIS, namely Basic Benefits, as prescribed in the Policy Template.
Both Standard Plan and Flexi Plan may encompass a minor element of benefits other than Basic Benefits
and Enhanced Benefits, namely Other Benefits.
A Flexi Plan must provide Enhanced Benefits in addition to the Basic Benefits.
The answer is C.
33 Flexi plans can provide: Topic 1
I. Basic benefits
II. Enhanced benefits
III. Other benefits
A I Chapter 2
B I, II Section 3c
C I, III QID 666
D I, II, III Ans D Hot
Exp A Flexi Plan must provide Enhanced Benefits in addition to the Basic Benefits.
Both Standard Plan and Flexi Plan may encompass a minor element of benefits other than Basic Benefits
and Enhanced Benefits, namely Other Benefits.
The answer is D.

34 Benefits of the VHIS are not applicable to: Topic 1
A Surgical treatments Chapter 2
B Psychiatric treatments Section 3c
C Dermatologic treatments QID 672
D Pediatric treatments Ans B Hot
and upon enquiry that all benefits described in the Standard Plan are applicable worldwide except for
psychiatric treatments. The answer is B.
35 The Voluntary Health Insurance Scheme is to regulate: Topic 1
A Personal accident insurance products Chapter 2
B Individual indemnity hospital insurance products Section 3a
C Individual hospital insurance benefits QID 647
D Group indemnity hospital insurance products Ans B Hot
Exp The Voluntary Health Insurance Scheme ("VHIS") is implemented by the Food and Health Bureau ("FHB")
of the Government to regulate individual indemnity hospital insurance products. The answer is B.
36 Benefits of the VHIS are applicable to: Topic 1
A Public health system in Hong Kong Chapter 2
B Private health system in Hong Kong Section 3c
C Public and private health systems in Hong Kong QID 671
D Global health system Ans D Hot
and upon enquiry that all benefits described in the Standard Plan are applicable worldwide except for
psychiatric treatments. The answer is D.
37 The objective of the VHIS is to: Topic 1
A Make it easier for consumers to access personal accident insurance Chapter 2
B Make it easier for consumers to access individual hospital insurance Section 3a
C Make it easier for consumers to access individual health insurance QID 649
D Make it easier for consumers to access individual life insurance Ans B Hot
Exp The VHIS is designed to make it easier for consumers to access individual hospital insurance. The answer
is B.
38 Taxpayers are entitled to tax deductions for the purchase of the VHIS. For which of the following persons Topic 1
can Mr. Chen obtain the deduction for the insurance he purchased for them?
A Only spouse and children Chapter 2
B Only spouse, parents and children Section 3b
C Only immediate family QID 650
D Only specified relatives Ans D Hot
Exp Taxpayers are entitled to tax deductions under salaries tax and personal assessment for qualifying
premiums they pay on or after 1 April 2019 for Certified Plans for themselves or any of their "specified
relatives" – defined to cover the taxpayer's spouse and children and the taxpayer's or his/her spouse's
grandparents, parents and siblings. The answer is D.
39 Taxpayers are entitled to tax deductions for the purchase of the VHIS. For which of the following persons Topic 1
can Mr. Chen obtain the deduction for the insurance he purchased for them?
I. His ex-wife
II. His wife's grandparents
III. His wife's brothers
IV. His illegitimate children
A I, II Chapter 2
B I, IV Section 3b
C II, III, IV QID 651
D I, II, III, IV Ans D Hot
Exp Taxpayers are entitled to tax deductions under salaries tax and personal assessment for qualifying
premiums they pay on or after 1 April 2019 for Certified Plans for themselves or any of their "specified
relatives" – defined to cover the taxpayer's spouse and children and the taxpayer's or his/her spouse's
grandparents, parents and siblings. The answer is D.
40 What is the deduction ceiling for voluntary health insurance? Topic 1
A $4,000 per insured person, but there is no cap on the number of specified relatives who are eligible for tax Chapter 2
deductions
B $8,000 per insured person, but there is no cap on the number of specified relatives who are eligible for tax Section 3b
deductions
C $4,000 per insured person, subject to a maximum of 4 specified relatives who are eligible for tax QID 652
deductions
D $8,000 per insured person, subject to a maximum of 4 specified relatives who are eligible for tax Ans B Hot
deductions
Exp The deduction ceiling is $8,000 per insured person per year, irrespective of the number of policies that
cover the insured person. However, there is no cap on the number of specified relatives who are eligible
for tax deductions. The answer is B.
41 The VHIS is administered by: Topic 1
A Voluntary Health Insurance Scheme Office of the Insurance Authority Chapter 2
B Voluntary Health Insurance Scheme Office of the FHB Section 3c
C Voluntary Health Insurance Scheme Office of the HKFI QID 653
D Voluntary Health Insurance Scheme Office of the Hospital Authority Ans B Hot
Exp The VHIS is administered by the Voluntary Health Insurance Scheme Office ("VHIS Office") of the FHB. The
answer is B.
42 What are the requirements for insurance companies that seek to offer VHIS-compliant products? Topic 1
A Must first register as VHIS providers and, before their standard plans and flexi plans (if offered) are Chapter 2
marketed, each plan must have been successfully certified as a certified plan by the FHB
B Must first register as VHIS providers and, before their standard plans and flexi plans (if offered) are Section 3c
marketed, each plan must have been successfully certified as a certified plan by the IA
C Must first register as VHIS providers and, before their standard plans and flexi plans (if offered) are QID 654
marketed, each plan must have been successfully certified as a certified plan by the Hospital Authority
D Must first register as VHIS providers and, before their standard plans and flexi plans (if offered) are Ans A Hot
marketed, each plan must have been successfully certified as a certified plan by the HKFI
Exp Insurance companies seeking to offer VHIS-compliant products must first register as VHIS Providers and,
before their Standard Plans and Flexi Plans (if offered) are marketed, each plan must have been
successfully certified as a Certified Plan by the FHB. The answer is A.

43 VHIS products can be divided into: Topic 1
I. Standard plans
II. Nonstandard plans
III. Mandatory plans
IV. Flexi plans
A I, II Chapter 2
B I, III Section 3c
C I, IV QID 655
D II, III, IV Ans C Hot
Exp VHIS products can be divided into standard plans and flexi plans. The answer is C.
44 The products that can be marketed under the VHIS are called: Topic 1
A Approved plans Chapter 2
B Authentication plans Section 3c
C Certified plans QID 656
D Permit plans Ans C Hot
Exp An individual IHIP must be certified by the FHB before it can be marketed as a certified plan. The answer is
C.
45 Which of the following documents sets out the required conduct and practices covering product offering, Topic 1
migration arrangement, sales and marketing, handling of application, cooling-off period, after-sales
services, etc. for VHIS providers to comply with so as to supplement the Policy Template?
D Code of Practice for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme Ans D Hot
Exp The Code of Practice for Insurance Companies under the Ambit of the Voluntary Health Insurance Scheme
sets out the required conduct and practices covering product offering, migration arrangement, sales and
marketing, handling of application, cooling-off period, after-sales services, etc. for VHIS Providers to
comply with so as to supplement the Policy Template. The answer is D.
46 Does the VHIS cover psychiatric treatments? Topic 1
A Psychiatric treatments in Hong Kong or overseas as recommended by a specialist are covered Chapter 2
B Psychiatric treatments in Hong Kong as recommended by a specialist are covered Section 3d
C Psychiatric treatments during confinement in Hong Kong or overseas as recommended by a specialist are QID 694
covered
D Psychiatric treatments during confinement in Hong Kong as recommended by a specialist are covered Ans D Hot
Exp Psychiatric treatments during confinement in Hong Kong as recommended by a specialist are covered by
the VHIS. The answer is D.

47 Other benefits are allowed to form part of a certified plan to: Topic 1
A Cater for the licensing requirement for long-term insurers to provide long-term insurance benefits in the Chapter 2
individual IHIP they offer
B Cater for the licensing requirement for general business insurers to provide general insurance benefits in Section 3c
the individual IHIP they offer
C Cater for the licensing requirement for long-term insurers to provide general insurance benefits in the QID 667
individual IHIP they offer
D Cater for the licensing requirement for general business insurers to provide long-term insurance benefits Ans A Hot
in the individual IHIP they offer
Exp Other benefits are allowed to form part of a Certified Plan to cater for the licensing requirement for long-
term insurers to provide long-term insurance benefits (e.g. life insurance) in the individual IHIP they offer.
The answer is A.
48 The Voluntary Health Insurance Scheme is implemented by: Topic 1
A Insurance Authority Chapter 2
B Hong Kong Federation of Insurers Section 3a
C Food and Health Bureau QID 646
D Monetary Authority Ans C Hot
Exp The Voluntary Health Insurance Scheme ("VHIS") is a policy initiative implemented by the Food and Health
Bureau ("FHB") of the Government. The answer is C.
49 Which of the following is not the basis of the calculation of the premium in travel insurance? Topic 1
A Area of travel destination Chapter 3
B Days of travel Section 3 (c)
C Sex of the insured (male/female) QID 635
D Number of travellers Ans C Hot
Exp The important elements in deciding the premium of travel insurance are:
(i) Geographical area
(ii) Duration
(iii) Number of persons covered
The answer is C.
50 A vacation "package" travel policy issued by a travel insurer can be very large when it encounters a great Topic 1
risk (such as a plane crash) from a group of policyholders. This is called:
A Accumulation Chapter 3
B Composite hazard Section 3(d)(iii)
C Composite risk QID 636
D Fundamental risk Ans A Hot
Exp A vacation "package" travel policy issued by a travel insurer can be very large when it encounters a great
risk (such as a plane crash) from a group of policyholders. This is called accumulation. The answer is A.

51 Combined "umbrella" type cover could include: Topic 1
A Risk of excessive rainfall Chapter 3
B Property insurance only Section 4(c)
C Liability insurance only QID 637
D All risks (property insurance, liability insurance, and pecuniary insurance) Ans D Hot
Exp Combined "umbrella" type cover could include any types of cover, including property, pecuniary and
liability risks. The answer is D.
52 Which of the following meets the definition of "fire" in fire insurance? Topic 1
A Damage caused by a fire directly caused by lightning Chapter 4
B The bread in the oven was burnt by accident Section 1(a) (ii)
C Deliberately caused or arranged by the insured QID 638
D None of the above Ans A Hot
Exp "Fire", as a peril, means actual ignition of something (whether or not it be an insured property) that should
not be on fire, not deliberately caused or arranged by the insured. The answer is A.
53 Which of the following statements about theft insurance is incorrect? Topic 1
A If it's not full value insurance, pro rata average will apply Chapter 4
B Some insurers still call it burglary insurance Section 3(b)(iii)&(d

)(iv)
C Fire damage caused by thieves is covered QID 639
D Policy provisions usually require the theft accompanied by forcible and violent entry to or exit from Ans C Hot
Exp It is not unknown for thieves to start a fire to destroy evidence of their theft. But damage by fire is
excluded under the theft policy. The answer is C.
54 A money policy covers: Topic 1
A Money lost in fire Chapter 4
B Money stolen in transit Section 5 (a)
C Money that is accidentally lost before being deposited in a bank QID 640
D All of the above Ans D Hot
Exp Cover of money insurance is on an "all risks" basis.

Location: While cash in transit remains a major element of cover, cover at other locations is also very
likely.
The answer is D.
55 Which of the following is included in the extensions of money insurance? Topic 1
A Property that has been robbed by a thief Chapter 4
B An employed employee was injured in robbery Section 5(d)(ii)
C Loss due to receive counterfeit banknotes QID 641
D Loss of cash in transit Ans B Hot
Exp It is quite common to provide a PA extension to money policies, covering injuries caused to staff by
thieves. The answer is B.

56 Which of the following claims will not be covered by contractors' "all risks" insurance? Topic 1
A Materials supplied by the principal Chapter 5
B Losses only discovered on taking an inventory Section 3(a)&(b)
C Third party property damage QID 643
D Clearing of debris costs Ans B Hot
Exp Exclusions include losses only discovered on taking an inventory. The answer is B.
57 Which of the following is covered by Section I of a contractors' "all risks" policy? Topic 1
A Damage to the on-going project caused by typhoon Chapter 5
B Losses due to faulty design Section 3(a)
D Insurances of pecuniary interests Ans A Hot
Exp Section I provides property insurance on an "all risks" basis in respect of specified property.
Losses due to faulty design are exclusions.
Section II provides liability insurance for third party injury or property damage arising out of the
construction work.
The answer is A.
58 Contractors' "all risks" insurance usually consists of two sections. Section I provides property insurance Topic 1
on an "all risks" basis. Section II provides:
A Liability insurance Chapter 5
B Employer's liability insurance Section 3(a)(ii)
C Fidelity guarantee insurance QID 644
D Theft insurance Ans A Hot
Exp Section II provides liability insurance for third party injury or property damage arising out of the
construction work. The answer is A.
59 The cover of contractors' "all risks" insurance usually includes: Topic 1
A Property and liability insurance Chapter 5
B Property insurance only Section 3(a)
D Pecuniary insurance Ans A Hot
Exp The usual form of a contractors' "all risks" policy is in two Sections:
Section I provides property insurance on an "all risks" basis in respect of specified property.
Section II provides liability insurance for third party injury or property damage arising out of the
construction work.
The answer is A.

60 Can policies issued under certified plans of the VHIS be attached or attached to other insurance plans? Topic 2
A Any situation will do Chapter 1
B Under no circumstances Section 3c
C Can be attached to long term insurance plans if the policy terms and conditions do not contradict with the QID 668
objectives of the VHIS and do not reduce the protection of the certified plan to the policyholders under the
same policy
D Can be attached to general and long term insurance plans if the policy terms and conditions do not Ans D Hot
contradict with the objectives of the VHIS and do not reduce the protection of the certified plan to the
policyholders under the same policy
Exp An insurance policy issued under a Certified Plan may attach or be attached to other insurance plans.
However, such other insurance plan(s) will not be considered as part of the Certified Plan, and the policy
terms and conditions must not contradict with the objectives of the VHIS and must not reduce the
protection of the Certified Plan to the policyholders under the same policy. The answer is D.
61 For different insurers, a representative set of declared service standards is very likely to include which of Topic 4
the following?
A Identification of customer needs Chapter 3
B A commitment to provide documents promptly Section
C A promise of the confidentiality of the information provided QID 602
Exp For different insurers, a representative set of declared service standards is very likely to include all the
options. The answer is D.
62 The insurer's declaration usually includes some reminders to the insured and insurance intermediaries. Topic 4
These reminders may include:
A The obligation to pay premiums when due Chapter 3
B The duty of utmost good faith for disclosure of information Section
C Insurance agents will be bound by a Code of Practice QID 601
Exp Open declarations of policies are very likely to remind the insured and insurance intermediaries of certain
obligations that are required of them, including:
(1) disclosure requirements: the duty of utmost good faith;
(2) premium payments: the obligation to pay premiums when due;
(3) Code of Practice: insurance agents will be bound by a Code of Practice.
The answer is D.
63 The insurer's declaration of customer service standard printed on the business includes: Topic 4
A Identification of customer needs Chapter 3
B A commitment to provide documents promptly Section
C A promise of the confidentiality of the information provided QID 600
Exp The insurer's declaration of customer service standard printed on the business includes all the options.
The answer is D.

64 The requirements and implementation of customer service standards require a good conduct and open Topic 4
manner. The usual term to describe this is:
A Integrity Chapter 3
B Transparency Section 1
C Accountability QID 605
D Honour Ans B Hot
Exp An important word in our society today is "transparency", by which is meant an openness to conduct and
practice, which must at all times be legally and ethically justifiable. The answer is B.
65 "Transparency" is an important standard of customer service. This refers to: Topic 4
A Fill out government forms honestly Chapter 3
B Policy terms which are easy to understand Section 1
C There is a lack of confidentiality in dealing with clients QID 603
D An openness to the conduct and practice of the insurer Ans D Hot
Exp An important word in our society today is "transparency", by which is meant an openness to conduct and
practice, which must at all times be legally and ethically justifiable. The answer is D.
66 The Code of Conduct for Insurers was introduced by Hong Kong Federation of Insurers (HKFI) and applies Topic 4
to:
A Individual and commercial insurance policyholders' policies Chapter 4
B Individual policyholders' personal policies issued anywhere Section (c)
C Individual policyholders' personal policies issued in HK QID 617
D Individual or company policyholders' personal policies issued in HK Ans C Hot
Exp The Code of Conduct for Insurers was introduced by the Hong Kong Federation of Insurers (HKFI) and
applies to insurances effected in Hong Kong and in private capacity by individual policyholders resident
in Hong Kong. The answer is C.
67 Which of the following could have a direct or indirect application to customer service? Topic 4
A Personal Data (Privacy) Ordinance Chapter 4
B Sex Discrimination Ordinance Section (i)
C Disability Discrimination Ordinance QID 632
Exp All the options could have a direct or indirect application to the broader meaning of customer service. The
answer is D.
68 Minimum Requirements for Insurance Brokers are set in accordance with which of the following Topic 4
provisions?
A Model Agency Agreement Chapter 4
B Code of Conduct for Insurers Section (g)
C Insurance Ordinance QID 631
D Code of Practice for the Administration of Insurance Agents Ans C Hot
Exp The Guideline on Minimum Requirements for Insurance Brokers specified by the IA in accordance with the
relevant provisions of the Insurance Ordinance. The answer is C.

69 The Insurance Ordinance sets five "minimum requirements" for insurance brokers. In addition, individual Topic 4
insurance brokers:
A Can set up a company as an individual body Chapter 4
B Must be fit and proper for that role Section (g)
C Must be a member of the body of insurance brokers QID 630
D Has been the agent of the insurance company Ans B Hot
Exp The Insurance Ordinance sets five "minimum requirements" for insurance brokers. In addition, insurance
brokers must be fit and proper for that role; and approved bodies of insurance brokers must have
adequate rules and regulations to ensure that constituent members are fit and proper. The answer is B.
70 Two guidelines issued by the Insurance Agents Registration Board are for insurance agents' compliance Topic 4
on matters as:
(i) Violation
(ii) Money laundering
(iii) Misconduct
(iv) Handling of premiums
A (i), (ii) Chapter 4
B (i), (iii) Section (f)
C (ii), (iv) QID 629
D (iii), (iv) Ans D Hot
Exp Guidance notes are issued by the Insurance Agents Registration Board and especially
provide guidelines for insurance agents' compliance on such matters as:
(i) misconduct;
(ii) handling of premiums.
The answer is D.
71 Minimum Requirements for Insurance Brokers specified by the IA in accordance with the relevant Topic 4
provisions of the Insurance Ordinance cover:
(i) Capital and net assets
(ii) Professional indemnity insurance
(iii) Keeping of separate client accounts
(iv) Keeping proper books and accounts
A only (i) Chapter 4
B (i), (ii) Section (g)
C (i), (ii), (iv) QID 628
D (i), (ii), (iii), (iv) Ans D Hot
Exp Minimum Requirements for Insurance Brokers specified by the IA in accordance with the relevant
provisions of the Insurance Ordinance cover all the options. The answer is D.

72 The guidance notes of the Insurance Agents Registration Board are also set out in the Model Agency Topic 4
Agreement, which sets out guidelines for insurance agents' compliance on misconduct and:
A Registration of insurance agents Chapter 4
B Handling of premiums Section (f)(iv)
C Commission paid to insurance agents QID 627
D All of the above Ans B Hot
Exp The guidance notes of the Insurance Agents Registration Board are also set out in the standard insurance
agency contract, which sets out guidelines for insurance agents' compliance on misconduct and handling
of premiums. The answer is B.
73 Which of the following is not included in the Code of Conduct for Insurers introduced by HKFI? Topic 4
A Solvency margin requirements Chapter 4
B Advising and selling practices Section (c)
C Handling of claims QID 620
D The expected standards of good insurance practice Ans A Hot
Exp Solvency margin requirements are the strict requirements for insurance companies in the Insurance
Ordinance. The answer is A.
74 Which of the following is not relevant to the regulation of insurance companies under Insurance Topic 4
Ordinance?
A Authorization Chapter 4
B Solvency margin Section (b)
C Rate of return on long-term lending QID 610
D All of the above Ans C Hot
Exp The Insurance Ordinance has certain strict requirements regarding insurance companies, which include
reference to:
(i) authorization of insurers;
(ii) capital and solvency margin requirements;
(iii) "fit and proper" requirement for controllers, directors, key persons in
control functions and appointed actuaries;
(iv) "adequate" reinsurance.
The answer is C.
75 Seven parts of the Code of Practice for the Administration of Insurance Agents include: Topic 4
(i) Interpretation
(ii) General principles
(iii) Procedures
(iv) Fit and proper criteria
A (i), (ii), (iii) Chapter 4
B (i), (ii), (iv) Section €
C (i), (iii), (iv) QID 622
Exp Seven parts of the Code of Practice for the Administration of Insurance Agents include all the options. The
answer is D.

76 Which of the following involves advising and selling practices? Topic 4
A Insurance Ordinance Chapter 4
B Code of Conduct for Insurers Section (c)
C Code of Practice for the Administration of Insurance Agents QID 623
D Model Agency Agreement Ans B Hot
Exp The Code of Conduct for Insurers deals with advising and selling practices. The answer is B.
77 Which of the following sets out the roles and responsibilities of insurance agents and insurance brokers Topic 4
and includes statutory provisions defining and improperly claiming to be one or the other?
A Model Agency Agreement Chapter 4
B Code of Conduct for Insurers Section (d)
D Code of Practice for the Administration of Insurance Agents Ans C Hot
Exp The Insurance Ordinance (in Part X) gives statutory weight to the requirements on insurance
intermediaries, with specific reference to such matters as:
(i) roles and responsibilities of insurance agents and insurance brokers;
(ii) definitions of insurance agents and insurance brokers, with prescribed penalties for anyone illegally
claiming to be one or the other.
The answer is C.
78 The Code of Practice for the Administration of Insurance Agents is approved by the IA under which of the Topic 4
following provisions?
A Minimum Requirements Specified for Insurance Brokers Chapter 4
B Code of Conduct for Insurers Section (e)
Exp The Code of Practice for the Administration of Insurance Agents was issued in accordance with the
relevant provisions of the Insurance Ordinance with the Insurance Authority's (IA) approval. The answer is
C.
79 Which organisation has issued some guidance notes for the regulation of insurance agents on Topic 4
misconduct and handling of premiums?
A Insurance Authority Chapter 4
B Insurance company Section (f)
C Insurance Agents Registration Board QID 626
D Hong Kong SAR Government Ans C Hot
Exp Insurance Agents Registration Board has issued some guidance notes for the regulation of insurance
agents on misconduct and handling of premiums. The answer is C.

80 Who will monitor the customer service of the insurer? Topic 4
(i) Industry associations
(ii) Policyholders and general public
(iii) The insurance regulator
(iv) The insurer itself (internal monitoring)
A (i), (ii) Chapter 4
B (i), (ii), (iii) Section
C (ii), (iii), (iv) QID 604
Exp The commitments expressed in an individual company's policy statement will be monitored by internal
audit personnel. This is not to say that the company has total control over such matters.
That would be too subjective and open to criticism. The fulfilment of company
promises, or any obligations imposed by industry associations or the insurance
regulator, is under actual or potential monitoring by:
(a) policyholders and the general public;
(b) industry associations; and
(c) the insurance regulator.
The answer is D.
81 Which of the following is important to an insurance company? Topic 4
A Code of Practice for the Administration of Insurance Agents Chapter 4
B Contract law Section
C Statutory ordinance (Insurance Ordinance) QID 606
Exp All of these are important to the insurance company. The answer is D.
82 According to the Code of Conduct for Insurers, which of the following should be the standard of good Topic 4
insurance practice?
A Product understanding Chapter 4
B Customers' rights and interests generally Section (c.)
C Underwriting and claims QID 607
Exp All of these are the standards for good insurance practices. The answer is D.
83 Which of the following involves advising and selling practices? Topic 4
B Code of Conduct for Insurers Section (c)
C Code of Practice for the Administration of Insurance Agents QID 619
D Model Agency Agreement Ans B Hot
Exp The Code of Conduct for Insurers deals with advising and selling practices. The answer is B.

84 Which of the following is not relevant to the regulation of insurance companies under Insurance Topic 4
Ordinance?
A Solvency margin Chapter 4
B Capital Section (b)
C Rate of return on fixed assets QID 609
reference to:
The answer is C.
85 Which of the following is an incorrect description of the Code of Conduct for Insurers? Topic 4
A Is a part of the Insurance Ordinance Chapter 4
B Introduced by Hong Kong Federation of Insurers Section (c)
C Its purpose is to develop good insurance practice QID 621
D Advising and selling practices Ans A Hot
Exp -The Code of Conduct for Insurers was introduced by the Hong Kong Federation of Insurers (HKFI);
-Set the expected standards of good insurance practice;
-deals with advising and selling practices.
The answer is A.
86 The Insurance Agents Registration Board has issued a number of guideline notes for specific areas Topic 4
including misconduct and:
A Handling of premiums Chapter 4
B Insurance principles Section f (iv)
C Commission paid to insurance agents QID 611
D All of the above Ans A Hot
Exp The Insurance Agents Registration Board has issued a number of guideline notes for specific areas
including misconduct and handling of premiums. The answer is A.

87 The Insurance Ordinance requires Hong Kong insurers to: Topic 4
A Have "adequate" reinsurance Chapter 4
B Purchase reinsurance that can maintain last year's profits Section (b)
C Have at least 50% risk and have purchased reinsurance QID 612
D Own 50% of the profits from reinsurance Ans A Hot
reference to:
The answer is A.
88 According to the Insurance Ordinance, which of the following are the strict requirements for insurance Topic 4
companies?
(i) The insurer's capital
(ii) The insurer has adequate reinsurance
(iii) Authorization of insurers
(iv) The insurer's solvency margin
B (i), (ii), (iv) Section (b)
C (i), (iii), (iv) QID 613
reference to:
The answer is D.
89 Twelve months ago, Mr Yang was convicted of careless driving. Recently, he intends to buy 80% share of Topic 4
a private insurance company and become the director of the company. How well does the plan meet the
requirement of the Insurance Ordinance?
A His criminal conviction means he is simply qualified to be a "non-executive director" Chapter 4
B His criminal conviction implies that he is not fit to be a director Section (b)
C His conviction probably does not mean that he is unfit to be a director QID 614
D His conviction only matters when there is an imprisonment Ans B Hot
Exp The Insurance Ordinance (Cap. 41) has certain strict requirements regarding insurance companies, which
include reference to "fit and proper" requirement for controllers, directors, key persons in
control functions and appointed actuaries. The answer is B.

90 The strict requirements for insurers under Insurance Ordinance do not include: Topic 4
A Authorization of insurers Chapter 4
B Capital requirements Section (b)
C Profitability index QID 615
D Solvency margin requirements Ans C Hot
Exp The Insurance Ordinance (Cap. 41) has certain strict requirements regarding insurance companies, which
include reference to:
(ii) capital requirements;
(iii) solvency margin requirements.
The answer is C.
91 The Code of Conduct for Insurers includes a part of good insurance practice. Which of the following does Topic 4
this part deal with?
A Underwriting and claims Chapter 4
B Customers' rights and obligations Section (c)
C Customers' rights and interests generally QID 616
Exp The expected standards of good insurance practice in such areas as:
(1) underwriting and claims;
(2) customers' rights and obligations under insurance contracts;
(3) customers' rights and interests generally.
The answer is D.
92 Which of the following bodies has introduced the Code of Conduct for Insurers? Topic 4
B Insurance Authority Section (c)
Exp The Code of Conduct for Insurers was introduced by the Hong Kong Federation of Insurers (HKFI) and
applies to insurances effected in Hong Kong and in private capacity by individual policyholders resident
in Hong Kong. The answer is C.

93 The Insurance Ordinance has certain strict requirements regarding insurance companies, which include Topic 4
reference to:
A Authorization of insurers Chapter 4
B Capital and solvency margin requirements Section (b)
C Fit and proper persons QID 608
reference to:
control functions and appointed actuaries.
The answer is D.
94 Rebating of commission means Topic 4
A No commission is allowed for improper conduct Chapter 5
B Refund commission to client in case of cancellation of policy Section
C Give part of commission to the client in exchange for business QID 634
D Tell the insurer that there is no commission for a particular policy Ans C Hot
Exp Rebating of commission means that the insurance intermediary gives part of his
commission to his client, thus producing a "cheaper" premium for the latter. The answer is C.
95 The use of any monetary inducement to increase productivity and the solicitation of business is a serious Topic 4
matter. Which of the following statements are true?
(i) Undermine the rating of intermediaries
(ii) The reason for breach of agency agreement
(iii) It is illegal under Insurance Ordinance
(iv) Similar to bribery and corruption
B (i), (ii), (iv) Section
C (ii), (iii), (iv) QID 633
Exp Rebating may in certain circumstances constitute bribery and corruption. It undermines the basis of rating
and honest establishment of due reward (commissions) for insurance intermediaries. It's prohibited under
the Model Agency Agreement. The answer is D.
95


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2CEXAM Mock Question

B Switch to certified plans Section 3d

C Obtain loans to insure certified plans QID 684

D Get the refund of the premiums Ans B Hot

A Both standard plans and flexi plans can Chapter 2

B Standard plans and flexi plans cannot Section 3c

C Standard plans can, but flexi plans cannot QID 674

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A Both standard plans and flexi plans can Chapter 2

B Standard plans and flexi plans cannot Section 3c

C Standard plans can, but flexi plans cannot QID 675

B Insurance Authority Section 3c

C Hong Kong Federation of Insurers QID 677

D Hospital Authority Ans B Hot

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A Food and Health Bureau Chapter 2

B Insurance Authority Section 3d

C Hong Kong Federation of Insurers QID 679

C II, III QID 680

D I, II, III, IV Ans C Hot

A Full coverage is available Chapter 2

B No coverage can be provided Section 3d

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C In Chinese or English as required QID 670

D Only in Chinese Ans B Hot

A Yes, they can Chapter 2

B No, they cannot Section 3d

D Not if the insured's circumstances are different Ans B Hot

A Yes, they can Chapter 2

B No, they cannot Section 3d

D Not if the insured's circumstances are different Ans B Hot

Website: www.2cexam.com Phone: 21109644 WhatsApp:93472064 WeChat:hk2cexam P.4

D 100 Ans D Hot

A The VHIS has no cooling-off period Chapter 2

A The VHIS covers the treatment of congenital conditions Chapter 2

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A Under no circumstances Chapter 2

B Any situation will do Section 3d

C If it is medical necessity QID 691

D If it's medical necessity and it has to be surgical Ans D Hot

A Full coverage is available Chapter 2

B No coverage can be provided Section 3d

C I, III, IV QID 657

D II, III, IV Ans A Hot

23 Can VHIS providers reject any applications? Topic 1

A VHIS providers may reject the applications Chapter 2

B VHIS providers cannot reject the applications Section 3d

Website: www.2cexam.com Phone: 21109644 WhatsApp:93472064 WeChat:hk2cexam P.6

B Voluntary Health Insurance Scheme Certified Plan Policy Template Section 3c

C I, III, IV QID 659

D II, III, IV Ans D Hot

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B Not subject to the requirements in any case Section 3c

C Subject to the requirements as appropriate QID 660

B Voluntary Health Insurance Scheme Certified Plan Policy Template Section 3c

B Individual indemnity hospital insurance plans Section 3c

C Hospital cash plans QID 662

B Basic plans Section 3c

C Standard plans QID 663

D Mandatory plans Ans C Hot

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B Enhancement plan Section 3c

C Supplement plan QID 664

D Flexi plan Ans D Hot