Whiteboard and diagrams interview questions for insurance roles
89 questions from core to advanced: concepts, calculations, whiteboard diagrams, SQL, scenarios and behavioural. Answer out loud first, then reveal the model answer and example. Mark each one practised when you can answer it without looking.
Practised 0 of 89
Draw the quote-to-policy process for an online motor policy.
- Quote → client creation (KYC) → risk details → proposal → payment → underwriting rules → issue → dispatch.
- Show the STP / NSTP split and what happens on referral.
- Name the system at each step.
Draw a cashless health claim and show where system timers are needed.
- Lanes: patient, hospital, insurer or TPA.
- Timers: pre-auth decision within 1 hour, discharge authorisation within 3 hours.
- Add enhancement requests and escalation when a timer is about to breach.
Map the motor own damage claim and point out where leakage or delay happens.
- Lanes: customer, insurer, surveyor, garage.
- Delay: waiting for survey, parts approval, document gaps.
- Leakage: inflated estimates, missed depreciation, unrecovered salvage or subrogation.
Sketch the data model for a motor policy system.
- Customer 1–N policy; intermediary 1–N policy.
- Policy 1–N insured risk; insured risk 1–N cover.
- Policy 1–N endorsement, payment; insured risk 1–N claim.
- Effective dates on policy, cover and endorsement.
Draw the policy lifecycle as a state diagram.
- Quote → proposal → underwriting → in force (or declined).
- While in force: endorsements and claims.
- End states: renewed, cancelled, expired or lapsed; each with its own refund and document rules.
Draw a system context diagram for launching a new motor product through aggregators.
- Centre: policy administration system.
- Around it: aggregator and Bima Sugam APIs, rating engine, payment gateway, VAHAN and CKYC, billing and commission, claims, data warehouse.
- Label each connection with the data exchanged and mark the new or changed ones.