Question 1

What is the IC‑38 Health Insurance Agent exam variant?

Accepted Answer

This variant of IC‑38 is tailored for individuals seeking IRDAI licensing specifically to act as **Health Insurance Agents**, covering health insurance products, regulations, and claims processes.

Question 2

Who administers the IC‑38 Health variant?

Accepted Answer

The Insurance Institute of India (III) conducts the exam on behalf of IRDAI, as per IRDAI’s official training and examination regulations :contentReference[oaicite:1]{index=1}.

Question 3

Who needs to pass the IC‑38 Health Insurance Agent exam?

Accepted Answer

Anyone aspiring to become a licensed Health Insurance Agent under IRDAI must clear this specific variant.

Question 4

How many questions are there in the Health variant?

Accepted Answer

50 multiple-choice questions (MCQs), each worth one mark :contentReference[oaicite:2]{index=2}.

Question 5

What is the duration of the IC‑38 Health exam?

Accepted Answer

Candidates have 60 minutes to complete the exam :contentReference[oaicite:3]{index=3}.

Question 6

What passing mark is required?

Accepted Answer

Minimum 18 marks (35%) needed to pass. One grace mark may be awarded if a candidate scores 17 correct answers :contentReference[oaicite:4]{index=4}.

Question 7

Is there any negative marking?

Accepted Answer

No, there is no negative marking. Candidates are encouraged to attempt all questions :contentReference[oaicite:5]{index=5}.

Question 8

Which languages is the Health variant offered in?

Accepted Answer

Available in English, Hindi, and multiple regional languages as offered by III :contentReference[oaicite:6]{index=6}.

Question 9

Is pre-exam training mandatory?

Accepted Answer

Yes — 25 hours of IRDAI-approved training specific to Health Insurance Agent is required before you can sit for the exam :contentReference[oaicite:7]{index=7}.

Question 10

Can I take multiple IC‑38 variants together?

Accepted Answer

Yes — but separate registration and training for each variant is required :contentReference[oaicite:8]{index=8}.

Question 11

How often is the Health variant conducted?

Accepted Answer

The exam is offered periodically throughout the year — slot booking and dates are shown in III’s student portal after registration :contentReference[oaicite:9]{index=9}.

Question 12

What topics does the Health Insurance module include?

Accepted Answer

Health products, underwriting guidelines, TPAs, policy servicing, claim settlement process and regulatory norms :contentReference[oaicite:10]{index=10}.

Question 13

Is the Health variant exam online or offline?

Accepted Answer

It is a computer-based test conducted at authorized centers only.

Question 14

How can I register for the Health variant?

Accepted Answer

Complete the 25-hour training and register online on III portal, selecting the Health variant, then pay the fee and choose your exam center.

Question 15

What is the exam fee for the Health variant?

Accepted Answer

Fee ranges from ₹500 to ₹800 depending on training partner or insurer, similar to other variants :contentReference[oaicite:11]{index=11}.

Question 16

When and how is the result delivered?

Accepted Answer

Results are displayed instantly on‑screen at the exam center after submission :contentReference[oaicite:12]{index=12}.

Question 17

Is grace marking applicable?

Accepted Answer

Yes — candidates scoring 17/50 may be granted 18 to pass, as per standard policy :contentReference[oaicite:13]{index=13}.

Question 18

What license is issued after passing the Health variant?

Accepted Answer

A Health Insurance Agent license valid for 3 years, renewable with continuing education.

Question 19

Is the Health Agent license renewable without re-exam?

Accepted Answer

Yes — requires 25 hours of continuing professional development training. No re-exam needed.

Question 20

Can I hold multiple agent licenses (e.g. Life + Health)?

Accepted Answer

Yes — by taking and clearing each variant separately and fulfilling training requirements accordingly.

Question 21

Can I switch insurers using the Health Agent code?

Accepted Answer

Yes — your agent code is portable, subject to IRDAI guidelines.

Question 22

Will the syllabus cover third-party administrators?

Accepted Answer

Yes — TPAs, their role, documentation norms and servicing process are part of the Health Agent training and exam.

Question 23

Does the Health variant include IRDAI regulations questions?

Accepted Answer

Yes — includes IRDAI code of conduct, grievance procedures and KYC/AML rules as applicable for health insurance intermediaries.

Question 24

How is syllabus weighted for the Health variant?

Accepted Answer

Rough distribution: 12–15 basic insurance, 20 health-specific, remainder ethics/regulation.

Question 25

Are mock tests available specifically for Health variant?

Accepted Answer

Yes — III and prep platforms offer variant-specific mock tests in multiple languages.

Question 26

What documents are required at the exam center?

Accepted Answer

Training certificate, valid ID (Aadhaar/PAN), and admit card printout are mandatory.

Question 27

Can I reschedule the Health variant exam after booking?

Accepted Answer

Yes — subject to III’s policies and cut‑off dates for changes.

Question 28

Is the exam proctored with anti-cheat software?

Accepted Answer

Yes — centers enforce strict proctoring protocols and software monitoring.

Question 29

Can physically challenged candidates request accommodations?

Accepted Answer

Yes — III provides accessibility accommodations when requested prior to exam day.

Question 30

Is the Health Agent license recognized across all Indian health insurers?

Accepted Answer

Yes — IRDAI-issued licenses are recognized by all insurers in India.

Question 31

Where can I download the Health variant syllabus?

Accepted Answer

Available on III’s official website under the IC‑38 Health Insurance section.

Question 32

Is any prior educational qualification needed?

Accepted Answer

Yes — minimum Class 12 pass in urban areas; Class 10 pass for rural areas, per IRDAI norms :contentReference[oaicite:14]{index=14}.

Question 33

What fees or exemptions exist for repeat attempts?

Accepted Answer

Full exam fee applies for each retake; no concessions are provided.

Question 34

What happens if I miss my slot?

Accepted Answer

Missed attempts are forfeited; you must re-register and pay to appear again.

Question 35

Can spouses or siblings share the Health Agent code?

Accepted Answer

No — each must register and appear individually for the exam.

Question 36

Are digital Health Agent certificates secure?

Accepted Answer

Yes — III uses secure digital issuance and verification via IRDAI registry.

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IC-38 IRDA Health Insurance Agent Examm

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