R05 Conditions covered and exclusions: free practice questions
5 free questions on Conditions covered and exclusions, part of learning outcome 7 (Critical illness). Pick an answer to check it, or open the answer to see why each option is right or wrong.
Question 1 of 5
Which of the following conditions is commonly covered by critical illness policies in addition to the core conditions?
Show answer
The answer is A: Kidney failure requiring permanent dialysis
Commonly covered conditions include kidney failure requiring permanent dialysis, major organ transplant, multiple sclerosis with persisting symptoms, and permanent blindness or deafness. Temporary or minor conditions are not covered.
Why the other options are wrong
B
Seasonal flu isn't covered.
C
Mild hearing loss in one ear doesn't meet a deafness definition.
D
A broken leg that heals fully isn't a critical illness.
Question 2 of 5
Which of the following would NOT usually meet a typical critical illness definition?
Show answer
The answer is C: Temporary loss of speech lasting a few weeks
Loss of speech must be total, permanent and irreversible. Temporary loss that resolves would not qualify. The other options match commonly used definitions.
Why the other options are wrong
A
Bypass grafts with surgery to divide the breastbone match a common definition.
B
Total and irreversible paralysis of limbs matches a common definition.
D
Loss of a hand by permanent severance matches a common definition.
Question 3 of 5
What does it mean when an insurer describes a condition definition as 'ABI+'?
Show answer
The answer is C: It's more generous than the ABI model wording, though by no set measure
Many providers offer ABI+ definitions, meaning more generous than the ABI model wording. There is no standard way of saying how much better, so wordings must be compared.
Why the other options are wrong
A
The FCA doesn't approve definitions in advance.
B
ABI+ isn't limited to children's cover.
D
ABI+ doesn't mean the condition can be claimed twice.
Question 4 of 5
Under the model exclusion commonly used for living abroad, which situation could cause a critical illness claim to be excluded?
Show answer
The answer is A: Living outside the EU for over 13 weeks in a row in any 12 months
A common exclusion applies to conditions arising while living outside the EU for more than 13 consecutive weeks in any twelve months. Short trips would not normally be affected.
Why the other options are wrong
B
A month's business travel within the EU is within the rule.
C
A two-week holiday doesn't trigger the exclusion.
D
Moving within the UK doesn't count as living abroad.
Question 5 of 5
The ABI Minimum Standards include model exclusion wordings. Are insurers required to apply all of them?
Show answer
The answer is B: No, insurers can omit model exclusions or add extra ones
Insurers are free to leave out any of the model exclusions or add their own. Advisers therefore need to know the exclusions of each policy they recommend.
Why the other options are wrong
A
Model exclusions aren't compulsory; insurers can leave them out or add others.
C
There's no sum assured threshold; insurers choose their exclusions for every policy.
D
Insurers can apply exclusions; the model wordings are there to use or adapt.
Practise all 12 Conditions covered and exclusions questions
These are 5 of the 12 questions on this topic in R0 Exam Prep, and the full R05 bank covers every learning outcome. Practise free, track your weak areas and sit timed mocks.
R0 Exam Prep is an independent revision tool. It is not produced, endorsed by or affiliated with the Chartered Insurance Institute (CII). Questions and explanations are original. Use it alongside the official study text. About R0 Exam Prep