C09 Grievance Redressal Mechanism MCQs

Welcome to our comprehensive collection of Multiple Choice Questions (MCQs) on C09 Grievance Redressal Mechanism, a fundamental topic in the field of IC38 Life Insurance Agent Exam. Whether you're preparing for competitive exams, honing your problem-solving skills, or simply looking to enhance your abilities in this field, our C09 Grievance Redressal Mechanism MCQs are designed to help you grasp the core concepts and excel in solving problems.

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C09 Grievance Redressal Mechanism MCQs | Page 3 of 6

Discover more Topics under IC38 Life Insurance Agent Exam

Q21.
What is the highest appellate authority for consumer disputes under the Consumer Protection Act?

a.

District Consumer Disputes Redressal Commission

b.

State Consumer Disputes Redressal Commission

c.

National Consumer Disputes Redressal Commission

d.

Local Consumer Disputes Redressal Commission

Discuss
Answer: (c).National Consumer Disputes Redressal Commission Explanation:Appeals against the orders of the National Commission have to be made only at the Supreme Court.
Q22.
Which of the following statements about the procedure for filing a complaint is true?

a.

Complaints can only be filed by an advocate.

b.

There is a significant fee for filing a complaint or appeal.

c.

Complaints can be sent by post, and no advocate is necessary for filing a complaint.

d.

Complaints can only be filed in person.

Discuss
Answer: (c).Complaints can be sent by post, and no advocate is necessary for filing a complaint. Explanation:The procedure for filing a complaint is simple, and no advocate is necessary. Complaints can be filed personally or sent by post.
Q23.
What is the primary role of Consumer Commission Orders?

a.

To assist the complainant in preparing the complaint

b.

To provide legal representation for complainants

c.

To issue orders for resolving consumer disputes

d.

To impose fees on complainants

Discuss
Answer: (c).To issue orders for resolving consumer disputes Explanation:Consumer Commission Orders involve directing the opposite party to take specific actions to resolve consumer disputes.
Q24.
What are some of the main categories of consumer disputes related to the insurance business?

a.

Sales and marketing disputes

b.

Disputes over product quality

c.

Policy terms and conditions

d.

Delay in settlement of claims and non-settlement of claims

Discuss
Answer: (d).Delay in settlement of claims and non-settlement of claims Explanation:The majority of consumer disputes related to insurance business fall into categories such as delay in settlement of claims, non-settlement of claims, and other claim-related issues.
Q25.
Which of the following does NOT fall under the jurisdiction of the State Consumer Disputes Redressal Commission?

a.

Original complaints exceeding Rs. 10 crores

b.

Appellate jurisdiction for disputes from the District Commission

c.

Complaints with a value of goods or services between Rs. 1 crore and Rs. 10 crores

d.

Appellate jurisdiction for disputes from the National Commission

Discuss
Answer: (d).Appellate jurisdiction for disputes from the National Commission Explanation:The State Commission has appellate jurisdiction for disputes from the District Commission, not the National Commission.
Q26.
What is the primary purpose of the Integrated Grievance Management System (IGMS)?

a.

To provide a platform for insurers to advertise their services

b.

To allow consumers to purchase insurance online

c.

To monitor grievance redressal in the insurance industry

d.

To offer online insurance policies

Discuss
Answer: (c).To monitor grievance redressal in the insurance industry Explanation:IGMS as an online system that helps monitor grievance redressal in the insurance industry.
Q27.
In consumer disputes, what might lead to a feeling of "being cheated" or a "hurt ego," ?

a.

Quick resolution of complaints

b.

Prompt communication from the insurer

c.

Fair and transparent claim settlements

d.

Service failures and misunderstandings

Discuss
Answer: (d).Service failures and misunderstandings Explanation:service failures and misunderstandings can lead to feelings of being cheated or a hurt ego in consumer disputes.
Q28.
What is the role of the District Consumer Disputes Redressal Commission in resolving consumer complaints?

a.

To handle complaints exceeding Rs. 10 crores

b.

To enforce consumer orders as a civil court

c.

To provide free legal representation to complainants

d.

To oversee the implementation of insurance policies

Discuss
Answer: (b).To enforce consumer orders as a civil court Explanation:The District Commission has the powers of a civil court and can enforce consumer orders in a similar manner.
Q29.
Which commission is the final authority established under the Consumer Protection Act?

a.

District Consumer Disputes Redressal Commission

b.

State Consumer Disputes Redressal Commission

c.

National Consumer Disputes Redressal Commission

d.

Local Consumer Disputes Redressal Commission

Discuss
Answer: (c).National Consumer Disputes Redressal Commission Explanation:The National Consumer Disputes Redressal Commission is the final authority established under the Act.
Q30.
How can consumers register complaints in the Integrated Grievance Management System (IGMS)?

a.

Only through a registered advocate

b.

Through a complex and lengthy process

c.

In person at the respective insurer's office

d.

Online through a specified URL

Discuss
Answer: (d).Online through a specified URL Explanation:Complaints can be registered in IGMS online through a specified URL provided.
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