Build a career as a III IC-11
A compulsory paper of the Insurance Institute of India's Licentiate diploma.
Know the III IC-11 before you start
Online objective MCQ paper
Exam Mode
100 MCQs / 100 marks in 2 hours
Questions / Marks
60% (75% for a distinction)
Pass Mark
20 towards the Licentiate
Credit Points
Roles & salary as you grow
The III IC-11 opens an entry role that promotes upward: here's the ladder and what each rung pays.
Stage 1
Insurance Company Executive
₹3 to 6 LPA (entry level)
Underwriting, claims, operations and customer-service roles at life and general insurers, where III's diplomas are the standard professional qualification.
Stage 2
Broker / TPA Professional
₹3 to 7 LPA
Placement, servicing and claims roles at insurance brokers and third-party administrators, where III qualifications count towards IRDAI's training requirements.
Stage 3
Path to Associate and Fellow
Senior roles, ₹8 LPA+
The Licentiate is the first of III's three diplomas; the Associateship and Fellowship that follow are recognised for promotions and specialist roles across the industry.
*Indicative ranges from public data; actual pay varies by employer, city and cycle.
Are you eligible?
Education
Membership of the Insurance Institute of India (applied for online before registering for the exam). Check the current III Examination Handbook for any education requirement for your membership category.
Age
No separate age limit is prescribed for the paper; III membership rules apply.
Nationality
Open to candidates in India; III also runs the exam for candidates abroad on its published terms.
How the III IC-11 is structured
IC-11 Practice of General Insurance is an online objective paper of multiple-choice questions, 2 hours long, marked out of 100. III's Examination Handbook sets the pass mark at 60% for every MCQ paper, awards a distinction at 75%, and expects all questions to be attempted; it mentions no negative marking. The syllabus (Revised Edition 2023) runs to 9 chapters, covering Introduction to General Insurance, Policy Documents and Forms, Underwriting, Fire Insurance, Marine Insurance, Motor Insurance, Liability Insurance, Personal Accident and Specialty Insurance, Engineering and Other Insurances, Ratings and Premiums, Claims and Insurance Reserves and Accounting. Passing earns 20 credit points towards the Licentiate. III publishes no chapter-wise weightage; the sections below are how PrepClever's mocks group the chapters, in proportion to their size.
IC-11 Practice of General Insurance
What you'll study
menu_bookIntroduction, Policy Documents and Underwriting
menu_bookGeneral Insurance Products - Fire, Marine and Motor
menu_bookGeneral Insurance Products - Liability, Personal Accident, Engineering and Others
menu_bookRatings, Claims and Accounting
How to crack the III IC-11
Become an III member
Apply for membership of the Insurance Institute of India online; membership is required before you can register for a professional exam.
Register for IC-11 in an exam window
III publishes an examination calendar each year. Register for IC-11 within the window and pay the exam fee listed in the current handbook.
Study the IC-11 courseware
Work through the Revised Edition 2023 courseware chapter by chapter, making short notes as you go.
Practise full-length mocks
Take timed 100-question mocks until you score comfortably above 60%.
Sit the online exam
Attempt all questions in the 2-hour paper; a score of 60% or more passes, 75% or more earns a distinction.
The III IC-11 cycle
Several times a year on III's published examination calendar
Opens before each window; late fee in the extended period
Published on the III portal after the exam window
Prep for III IC-11 with PrepClever
Launching 2026. Create a free account now for mock tests and a personalised study plan across the exams we already cover — and this one the day it lands.
See the full III IC-11 guide arrow_forwardStart free today
One account covers every exam on this pathway that's already live.
Free to start. No card required.
III IC-11: common questions
What is III IC-11 Practice of General Insurance?
IC-11 Practice of General Insurance is a compulsory paper of the Insurance Institute of India's Licentiate diploma. Its syllabus covers Introduction, Policy Documents and Underwriting, General Insurance Products - Fire, Marine and Motor, General Insurance Products - Liability, Personal Accident, Engineering and Others and Ratings, Claims and Accounting. Passing earns 20 credit points towards the Licentiate.
What is the IC-11 exam pattern?
An online, objective multiple-choice paper of 2 hours, marked out of 100 (100 questions). III's handbook asks you to attempt every question; if a question is found to be wrong it is removed and marks are pro-rated on the rest.
What are the passing marks for IC-11?
60% and above, which is III's pass mark for every MCQ paper. 75% and above is awarded a distinction. The handbook does not mention negative marking.
Is there negative marking in IC-11?
III's Examination Handbook does not mention negative marking for its professional exams, and III asks for all questions to be attempted, so answer every question.
How many questions does IC-11 have?
The paper is marked out of 100, and it is widely reported as 100 multiple-choice questions in 2 hours. III's handbook does not print a question count for professional papers.
What is the IC-11 syllabus?
The syllabus (Revised Edition 2023) runs to 9 chapters, which PrepClever groups into four sections: Introduction, Policy Documents and Underwriting (Introduction to General Insurance, Policy Documents and Forms and Underwriting); General Insurance Products - Fire, Marine and Motor (Fire Insurance, Marine Insurance and Motor Insurance); General Insurance Products - Liability, Personal Accident, Engineering and Others (Liability Insurance, Personal Accident and Specialty Insurance and Engineering and Other Insurances); Ratings, Claims and Accounting (Ratings and Premiums, Claims and Insurance Reserves and Accounting). III says the syllabus is indicative, not exhaustive.
How are the questions split across chapters?
III does not publish a chapter-wise weightage. Our mocks spread the 100 questions across the chapters in proportion to their size, grouped into four sections, so no chapter is over- or under-practised.
What is free on PrepClever?
Real questions from the Introduction, Policy Documents and Underwriting section, in seven free practice tests you can take without paying. The remaining chapters, and the full 100-question mocks, are premium.
How is IC-11 different from IC-38?
IC-38 is the agent licensing exam (50 questions, 35% to pass) you sit before you can sell insurance. IC-11 is a compulsory paper of the Insurance Institute of India's Licentiate diploma, pitched at people building a career in insurance, and it needs 60% to pass.
More Insurance (IRDAI) pathways
IC-38
The mandatory pre-recruitment exam every aspiring insurance agent in India must clear before appointment.
IRDAI POSP
Just 15 hours of training and one online test to start selling insurance from anywhere.
III IC-01
The compulsory first paper of the Insurance Institute of India's Licentiate diploma - the foundation every insurance professional is tested on.
IRDAI Surveyor
Become a licensed professional who inspects, quantifies and validates insurance claims across India.