Insurance Domain Overview (For Manual Testers)
The insurance domain focuses on applications that manage policies, premiums, claims, underwriting, renewals, and regulatory compliance. Insurance systems handle long-term customer data, complex calculations, and legal contracts, making manual testing extremely important, especially in UAT, SIT, and business validation phases.
Interviewers ask manual testing interview questions on insurance domain to evaluate:
- Understanding of insurance business processes
- Ability to validate policy rules and claim logic
- Experience with real-time scenarios and production defects
- Skill in manual UI, DB, and API validation
Insurance testing is rule-driven, not just feature-driven. A tester must think like an insurance agent, claims processor, and end customer.
Typical Insurance E2E Flow
- Customer onboarding
- Quote generation
- Policy issuance
- Premium payment
- Policy servicing (endorsement, renewal)
- Claim registration
- Claim assessment & approval
- Claim settlement
- Reporting & compliance
Major Modules in Insurance Domain
| Module | Description | Manual Testing Focus |
| Customer | Customer & nominee details | Field validation |
| Quotation | Premium calculation | Business rules |
| Policy | Policy issuance & status | Coverage accuracy |
| Underwriting | Risk assessment | Rule validation |
| Premium | Payments & schedules | Amount & due dates |
| Endorsement | Policy modifications | Impact analysis |
| Claims | Claim lifecycle | Eligibility & settlement |
| Billing | Invoices & receipts | Accuracy |
| Renewals | Policy continuation | Grace period |
| Compliance | Regulatory rules | Mandatory checks |
| Reporting | MIS & statements | Data consistency |
Manual Testing Interview Questions on Insurance Domain (Basic → Advanced)
Basic Insurance Domain Interview Questions (1–20)
- What is insurance domain testing?
Testing applications that manage insurance policies, premiums, and claims. - What is an insurance policy?
A legal contract between insurer and insured. - What is a premium?
Amount paid by customer for coverage. - What is a claim?
Request to receive insurance benefits. - What is coverage?
Risks protected under the policy. - What is sum insured?
Maximum amount payable by insurer. - What is deductible?
Amount paid by insured before claim settlement. - What is underwriting?
Risk evaluation before issuing policy. - What is policy tenure?
Duration of coverage. - What is endorsement?
Modification to an active policy. - What is renewal?
Extending policy after expiry. - What is grace period?
Extra time allowed for premium payment. - What is policy lapse?
Policy inactive due to non-payment. - What is nominee?
Person entitled to policy benefits. - What is rider?
Additional coverage added to base policy. - What is claim rejection?
Claim denied due to policy rules. - What is co-payment?
Percentage paid by insured. - What is waiting period?
Time before claim eligibility. - What is fraud detection?
Identifying false claims. - What is regulatory compliance?
Following insurance authority rules.
Intermediate Insurance Domain Interview Questions (21–45)
- What is policy lifecycle?
- What is quote generation logic?
- What is premium calculation based on?
- What is risk classification?
- What is pre-existing condition?
- What is cashless claim?
- What is reimbursement claim?
- What is claim approval workflow?
- What is claim settlement amount?
- What is TPA (Third Party Administrator)?
- What is network hospital?
- What is policy portability?
- What is no-claim bonus?
- What is policy cancellation?
- What is refund calculation?
- What is policy servicing?
- What is document verification?
- What is claim investigation?
- What is partial claim settlement?
- What is policy reinstatement?
- What is data migration testing?
- What is batch job in insurance?
- What is audit trail?
- What is role-based access?
- What is negative testing in insurance?
Advanced Insurance Domain Interview Questions (46–80)
- How do you manually test premium calculation?
- How do you test underwriting rules?
- How do you test claim eligibility?
- How do you test claim rejection scenarios?
- How do you test deductible application?
- How do you test co-pay calculation?
- How do you test policy endorsement impact?
- How do you test renewal with grace period?
- How do you test lapsed policy scenarios?
- How do you test multiple claims on same policy?
- How do you test fraud detection rules?
- How do you test claim settlement accuracy?
- How do you test reimbursement vs cashless flow?
- How do you test policy cancellation refunds?
- How do you test document upload validation?
- How do you test claim turnaround time (TAT)?
- How do you test system integration with hospital/TPA?
- How do you test batch processing jobs?
- How do you test data consistency across systems?
- How do you test regulatory rule changes?
- How do you test audit logs?
- How do you test duplicate claims?
- How do you test multi-policy customer scenarios?
- How do you test high-value claims?
- How do you test manual overrides?
- How do you test policy migration?
- How do you test claim reopening?
- How do you test SLA breaches?
- How do you test notification triggers?
- How do you test reporting accuracy?
- How do you test system downtime impact?
- How do you test user authorization?
- How do you test edge cases in waiting period?
- How do you test endorsement rollback?
- How do you test end-to-end insurance workflow?
Scenario-Based Insurance Testing Questions (UAT / SIT)
Scenario 1: Claim Rejected Incorrectly
Validation Steps
- Check policy coverage
- Waiting period rule
- Claim documents
Scenario 2: Incorrect Premium Charged
Checks
- Age, sum insured
- Policy term
- Rate table
Scenario 3: Policy Renewed After Grace Period
Expected
- Late fee applied
- Policy active
Scenario 4: Duplicate Claim Submission
Validation
- Claim reference ID
- Fraud rules triggered
Sample Insurance Manual Test Case
Test Case: Health Insurance Claim Processing
| Field | Details |
| Precondition | Active policy |
| Steps | Submit claim |
| Expected | Claim approved |
| Validation | UI + DB |
| Status | Pass |
BRD & FRD in Insurance Projects
BRD (Business Requirement Document)
- Insurance rules
- Coverage definitions
- Compliance needs
FRD (Functional Requirement Document)
- Screen flows
- API integrations
- Error handling
Database + API + UI Validation (Manual Testing)
UI Validation
- Policy status
- Claim amount
API Validation
- Claim submission APIs
- Payment APIs
Database Validation
- Policy table
- Claim records
- Audit logs
Real-Time Production Defect Examples
- Claim approved despite waiting period
- Incorrect deductible applied
- Duplicate claim payout
- Policy renewed without premium
- Endorsement not reflected in claims
High-Risk Areas in Insurance Manual Testing
- Claims processing
- Premium & settlement calculation
- Policy endorsements
- Fraud detection
- Regulatory compliance
Manual Test Design Approach for Insurance Projects
- Requirement-based testing
- Rule-based validation
- Boundary value analysis
- Negative testing
- End-to-end workflow testing
Quick Revision Cheat Sheet
✔ Insurance policy lifecycle
✔ Premium & claims logic
✔ Endorsements & renewals
✔ Fraud & compliance
✔ UI + DB validation
FAQs – Manual Testing Interview Questions on Insurance Domain
Q1. Is insurance domain difficult for manual testers?
It becomes easy once business rules are understood.
Q2. Are domain questions mandatory in insurance interviews?
Yes, especially for UAT and business-facing roles.
Q3. Do manual testers need insurance background?
Basic domain knowledge is sufficient.