CSC RAP Exam Questions and Answers 2025

 CSC RAP Exam Questions and Answers 2025

CSC RAP Exam Questions and Answers 2025: Here are some sample questions and Answers for the CSC RAP (Rural Authorized Person) Exam to help you prepare:

CSC RAP Exam Questions and Answers 2025

1. General Insurance & Life Insurance Questions

Q1: What is the full form of RAP?  

ANS. Rural Authorized Person  

Q2: What is the role of a RAP in CSC?  

ANS. A RAP is authorized to sell insurance policies and provide insurance-related services through the Common Services Centers (CSC).  

Q3: Which authority regulates the insurance sector in India?  

ANS. Insurance Regulatory and Development Authority of India (IRDAI)  

Q4: What are the two types of insurance?  

ANS.  

1. Life Insurance – Provides financial protection to the family of the insured in case of death.  

2. General Insurance – Covers non-life assets like vehicles, health, and property.  

Q5: What is the full form of IRDAI?  

Ans. Insurance Regulatory and Development Authority of India  

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2. Policy & Coverage-Related Questions

Q6: What is the minimum and maximum age for purchasing a life insurance policy?  

ANS. The minimum age is 18 years, and the maximum age depends on the policy, usually up to 65 years.  

Q7: What is a Nominee in an insurance policy?  

ANS. A nominee is the person who will receive the benefits of the insurance policy in case of the policyholder’s death.  

Q8: What is the grace period in life insurance?  

ANS. It is the extra time given after the due date to pay the premium, usually 15 days for monthly premium and 30 days for yearly premium.  

Q9: What is the meaning of "Sum Assured"?  

ANS. It is the fixed amount the insurance company agrees to pay in case of an unfortunate event like death or accident.  

Q10: What does the term Premium mean?  

ANS. It is the amount paid by the policyholder to the insurance company to keep the policy active.  

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3. Motor & Health Insurance Questions

Q11: What is Third-Party Insurance in Motor Insurance?  

ANS. It covers damages caused by the insured vehicle to another person or property but does not cover the insured vehicle itself.  

Q12: What is the validity period of a two-wheeler third-party insurance policy?  

ANS. As per IRDAI rules, a new two-wheeler policy must have a 5-year third-party coverage.  

Q13: What is Cashless Health Insurance?  

ANS. A policy where the insured can get treatment in network hospitals without paying upfront; the insurance company settles the bill directly.  

Q14: What is a Pre-Existing Disease in Health Insurance?  

ANS. Any illness or condition that the insured person had before taking the policy.  

Q15: What is a No Claim Bonus (NCB)?  

ANS. A discount given on the insurance premium if the policyholder has not made any claims during the previous policy period.  

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4. Miscellaneous Questions

Q16: What is the importance of KYC in insurance?  

ANS. It helps to verify the identity of the policyholder and prevent fraud.  

Q17: What are the required KYC documents for buying insurance?  

ANS.  

- For individuals: Aadhaar Card, PAN Card, Voter ID, Passport, etc.  

- For businesses: GST Registration, Company PAN, Business Address Proof.  

Q18: What is the difference between a Policy Lapse and a Policy Surrender?  

ANS.  

- Policy Lapse: Happens when the policyholder does not pay the premium within the grace period.  

- Policy Surrender: When the policyholder decides to terminate the policy before maturity.  

Q19: What is an Annuity Plan?  

ANS. A plan where the policyholder receives regular payments from the insurance company after retirement.  

Q20: What is the Claim Settlement Ratio (CSR)?  

ANS. It is the percentage of total claims settled by the insurance company out of the total claims received.  

How to Pass the RAP Exam?

1. Study the RAP training module available on the CSC website.  

2. Learn the basics of insurance (Life, General, Health, Motor).  

3. Understand IRDAI regulations and insurance terminology.  

4. Practice with mock tests and previous exam questions.  

5. Focus on insurance policies, claims, and premium calculations.