LADYCARE COMPETENCY TEST
Time Allowed: 30minutes. Pass Mark: 75%
INSTRUCTIONS:
1. DO NOT WRITE ANYTHING IN THE QUESTION PAPER PLEASE.
2. Please CIRCLE on the right answers among the possible alternatives provided to you on the answer sheet.
3. All figures are in new Ghana Cedis.
1. The LadyCare plan is an all:
a) female product
b) gender product
c) class product
d) sex product
2. Minimum and maximum term is from:
a) 5-15years
b) 5-20years
c) 5-10yeats
d) All the above
3. The LadyCare policy has a total of ………… plans a lady can choose from
a) 6
b) 5
c) 3
d) 4
4. Hospitalization benefit is limited to a maximum period of...... days per calendar year
a) 25
b) 29
c) 30
d) 15
5. Benefit will not be payable if the life assured is hospitalized for a period less than
a) 72hours
b) 2days
c) 30days
d) None of the above
6. This Policy has a Cash Back benefit
a) True b) False
7. The product covers all these except:
a) Death and Total Permanent Disability (TPD),
b) Critical Illness (CI),
c) Hospitalisation
d) Suicide
8. The LadyCare plan has …… compulsory benefits and …. … optional benefits
a) 2 compulsory, 4 optional
b) 4 compulsory, 2 optional
c) 3 compulsory, 3 optional
d) 6 compulsory, 0 optional
9. Cover ceases at age.
a) 55
b) 65
c) 60
d) 70
10. The Policy has a Paid-Up value.
a) True
b) False
11. LadyCare plan is a term policy
a) True b) False
12. The critical illness under the policy has been group into two. Category A and category B.
Illness under category A will pay out…….. and illness under category B will pay out…………
a. Category A 40% , Category B 100%
b. Category A 50% , Category B 100%
c. Category A 100% , Category B 50%
d. Category A 50 , Category B 50%
13. Death claim is reduced by any previous amounts paid when policy holder was permanently disabled or was diagnosed with a critical illness.
a) True
b) False
14. The minimum and maximum age required by the LadyCare policy is
a) 18 and 60
b) 18 and 65
c) 18 and 54
d) None of the above
15. Which of the plans under the Ladycare policy pays out the highest amount?
a) Obaatanpa
b) Eno
c) Obaasima
d) Ohemaa
16. A percentage of the total premiums paid automatically becomes payable every 5 years if the policyholder does not make any claims within those 5 years of the policy. This is referred to as
a) Cash Bonus
b) Accidental Death Benefit
c) Cash Back
d) Paid Up Benefit
17. All the following are examples of Maternity complications named under the policy except
a) Miscarriage
b) Ectopic pregnancy
c) Pre-Eclampsia
d) Miscarriage due to accident
18. Under this product, death, critical illness and total permanent disability has………….
a) 6 months waiting period
b) 12 months waiting period
c) No waiting period
d) 60 days waiting period.
19. All the following are optional benefits under this policy except…………
a) Other female Related Illnesses
b) Maternal complications
c) Critical Illness
d) Hospitalisation Benefit
20. Under the maternity complications benefits,……… is paid as the Initial or first claim to the policyholder.
a) 75%
b) 100%
c) 50%
d) 30%
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