Guardian India Operations Executive Interview Questions and Answers for Experienced

Aptitude test was easy and relevant to profile

Q1. Self introduction
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Q2. Asking about my job questions
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Q1. About my study and family background
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Q2. Study Verification
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Q1. About experience, job role,
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Q1. Give your self introduction Why you want to change job Family background
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Q2. Computer excel knowledge pivot, vlookup,sumifs ,counting,sumproduct hookup etc
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Q1. 1. tell me about yourself . 2. Write an email to customer.
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Q2. 1 . What is a insurance 2 . How to work insurance
Ans. 
Insurance is a contract between an individual and an insurance company to protect against financial loss.
• Insurance provides financial protection against unexpected events such as accidents, illnesses, and natural disasters.

• The individual pays a premium to the insurance company in exchange for coverage.

• The insurance company assesses the risk of providing coverage and determines the premium based on that risk.

• There are d...read more
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Q3. 1. What is a IRDAI 2 what is a 80c section
Ans. 
IRDAI is the regulatory body for insurance in India. Section 80C of Income Tax Act provides tax benefits for certain investments.
• IRDAI stands for Insurance Regulatory and Development Authority of India

• It regulates and promotes the insurance industry in India

• It ensures fair treatment to policyholders and monitors insurance companies' financial stability

• Section 80C of Income Tax Act allows tax deductions up to Rs. 1.5 la...read more
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Q4. What is types of underwriting? What is sections 10(10d)?
Ans. 
Types of underwriting include life, health, property, and casualty. Section 10(10d) refers to tax exemption on life insurance policies.
• Life underwriting involves assessing the risk of insuring a person's life and determining the premium.

• Health underwriting involves assessing the risk of insuring a person's health and determining the premium.

• Property underwriting involves assessing the risk of insuring a property and de...read more
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Q5. What is free look period? What is grace period.?
Ans. 
Free look period is a time frame given to policyholders to review and cancel their insurance policy without penalty. Grace period is an additional time given to pay the premium after the due date.
• Free look period is usually 15-30 days after the policy is issued.

• During the free look period, the policyholder can cancel the policy and receive a full refund of the premium paid.

• Grace period is usually 15-30 days after the p...read more
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