UIIC AO case studies
UIIC AO · Put your knowledge to work in context.
The UIIC Administrative Officer (Scale I) examination is the recruitment gateway to the officer cadre of United India Insurance Company Limited, a public sector general insurer. It suits graduates aiming for a managerial-track role in underwriting, claims, marketing, or operations, and the exam is structured to test both general aptitude and insurance-specific knowledge. The UIIC AO case studies are 5 cases and about 4,578 words.
1Repudiation letter: language defects, rewrite and the risk of citing the regulator
Sunrise General Insurance's Grievance Redressal Cell must reply within seven days to Mr Ramesh Iyer, whose ₹2,84,600 hospitalisation claim was repudiated. The draft prepared by a trainee reads: 'Dear Sir, We are regret to inform you that your claim has been repudiated on the grounds that you have suppressed material facts regarding your diabetes since 2019, which you were suffering from.
883 words, about 4 min2Motor claims hub: loss ratio, repudiation policy and surveyor capacity in one quarter
Bharat Motor Claims Hub settles own-damage claims for three states. In Q2 it received 2,640 claims, of which 431 were repudiated and 96 were still pending at the quarter end; the rest were paid at an average of ₹42,500.
843 words, about 4 min3Solvency headroom, a bancassurance tender and a peak fire risk: board decisions for a mid-sized insurer
Trinetra General Insurance, a six-year-old private non-life insurer, reports gross written premium of ₹1,240 crore. Of this, 58% comes from a bancassurance tie-up with one mid-sized private bank; motor third-party is 34% of the book at a loss ratio of 121%; group health is 21% at 96%.
912 words, about 5 min4Textile mill fire proposal: underwriting terms, reinsurance placement and a client refusing sprinklers
Sundaram Textiles, a composite spinning and weaving unit near Coimbatore, seeks a Standard Fire and Special Perils policy for buildings ₹18 crore, plant and machinery ₹40 crore and stock of cotton and yarn ₹27 crore - a total sum insured of ₹85 crore. The risk has had two fires in four years: an electrical short circuit in the motor control centre in 2022 (₹6.5 lakh) and a godown fire in 2023 attributed to spontaneous combustion in stored yarn (₹22 lakh).
1,001 words, about 5 min5Group health claim quantum: room-rent cap, proportionate deduction, co-payment and a re-billing request
Meera Nair, 47, is covered under her employer's group medicare policy with a sum insured of ₹5,00,000. She was hospitalised for nine days for angioplasty with stent placement.
939 words, about 5 min