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100+ Free SCI CTI Practice Questions

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2026 Statistics

Key Facts: SCI CTI Exam

50 questions

CTI on-site assessment has 50 multiple-choice questions

Singapore College of Insurance - CTI exam details

50 minutes

CTI assessment duration

Singapore College of Insurance - CTI exam details

70%

Minimum passing grade (35 of 50 correct)

Singapore College of Insurance - CTI exam details

S$210

Listed CTI programme fee inclusive of GST

Singapore College of Insurance - CTI exam details

75% mock

Minimum mock assessment score before on-site sitting

Singapore College of Insurance - COP completion rules

3 months

Registration validity from registration date

Singapore College of Insurance - CTI exam details

MAS 211

Recognised for TSAs selling travel insurance only

MAS Notice 211 Annex 2

100

Free original CTI practice questions here

OpenExamPrep

The SCI Certificate of Proficiency in Travel Insurance (CTI) is a 50-question, 50-minute open-book CSE with a 70% pass mark (35/50). The listed programme fee is S$210 inclusive of GST on the SCI CTI page. It is recognised by MAS Notice 211 for Trade Specific Agents who sell travel insurance only, and candidates must finish online learning plus a mock assessment at 75% before the on-site sitting.

Sample SCI CTI Practice Questions

Try these sample questions to test your SCI CTI exam readiness. Each question includes a detailed explanation. Start the interactive quiz above for the full 100+ question experience with AI tutoring.

1What is the primary purpose of travel insurance for a Singapore-based traveller?
A.To provide financial protection against unforeseen travel-related losses such as medical emergencies, trip disruption and baggage loss
B.To guarantee a visa approval
C.To replace life insurance while overseas
D.To pay for optional sightseeing tours
Explanation: Travel insurance protects against unexpected costs and losses before, during and after an overseas trip, including medical treatment abroad, evacuation, cancellation and baggage incidents.
2How does the principle of pooling of risk apply to travel insurance?
A.Many travellers pay premiums so that the few who suffer insured losses can be indemnified
B.Each traveller pays only if a claim arises
C.Insurers never pay medical claims overseas
D.Premiums are refunded in full if no claim is made
Explanation: Insurance pools contributions from many insureds so that the losses of the relatively few who suffer covered events can be paid. Travel premiums fund the shared pool for medical, trip and baggage claims.
3Before buying travel insurance, a traveller should first check which of the following?
A.Whether existing life, health or corporate travel covers already provide overlapping benefits
B.Whether the airline will waive all baggage limits
C.Whether Singapore taxes overseas hotel stays
D.Whether FIDReC will approve the destination
Explanation: GIA consumer guidance encourages travellers to review overall financial circumstances and existing personal health, life and employer travel covers so they can fill genuine gaps rather than buy redundant or inadequate protection.
4Why is overseas medical expense cover particularly important for travellers from Singapore?
A.Overseas medical treatment can be very expensive and is often not fully covered by domestic hospitalisation plans alone
B.Singapore hospitals refuse all returning patients
C.Airlines pay all medical bills automatically
D.Visas require unlimited medical cover in every country
Explanation: Medical care abroad can be costly, and domestic hospitalisation plans may not fully respond to overseas treatment or evacuation. Travel medical and evacuation benefits address that gap.
5Trip cancellation cover primarily protects which financial exposure?
A.Irrecoverable prepaid travel expenses when an insured reason forces cancellation before departure
B.The cost of souvenirs after return
C.The full value of the traveller's home contents
D.Airport shopping discounts
Explanation: Cancellation benefits reimburse non-refundable prepaid trip costs when the insured must cancel before departure for an insured peril such as sudden serious illness.
6According to GIA consumer guidance, travel insurance is intended to help with which kinds of events?
A.Unforeseen circumstances such as serious illness, accidental injury, high medical bills, travel disruption and loss of belongings
B.Only deliberate cancellations for a cheaper holiday
C.Guaranteed hotel upgrades
D.Compulsory cover for all domestic MRT journeys
Explanation: GIA explains that travel insurance provides peace of mind for unforeseen circumstances resulting in losses before, during and after an overseas trip.
7Which factor is most relevant when advising a client which travel plan to buy?
A.Trip frequency, destination, party composition, activities and expected medical or disruption needs
B.The traveller's preferred airline branding alone
C.Whether the client owns a car in Singapore
D.The client's CPF Ordinary Account balance alone
Explanation: Suitable cover depends on how often the client travels, where they go, whether they travel alone or with family, activities planned, and the medical or trip-disruption protection they need.
8From a risk-management perspective, buying travel insurance is best described as:
A.Transferring specified travel risks to an insurer in exchange for premium
B.Risk avoidance by never travelling
C.Speculating on currency markets
D.Eliminating all travel delays
Explanation: Purchasing insurance transfers defined financial consequences of covered perils to the insurer for a premium. It does not stop travel or remove every inconvenience.
9Under MAS Notice 211 Annex 2, the SCI Certificate of Proficiency in Travel Insurance is recognised for which category of intermediary?
A.A Trade Specific Agent selling travel insurance only
B.A life insurance financial adviser selling ILPs only
C.A motor workshop selling spare parts only
D.A bank teller processing cash deposits only
Explanation: MAS Notice 211 Annex 2 lists the SCI Certificate of Proficiency in Travel Insurance as a qualification for Trade Specific Agents who sell travel insurance only, as an alternative to the full CGI route for that limited line.
10According to the General Insurance Association of Singapore (GIA), travel agents may sell travel insurance only if they are:
A.Certified as Trade Specific Agents (TSA) by the Agents' Registration Board of the GIA
B.Licensed as medical doctors
C.Exempt from all MAS rules permanently
D.Registered solely as travel tour guides
Explanation: GIA states that travel agents can sell travel insurance only if certified as Trade Specific Agents by the Agents' Registration Board. TSA status applies where insurance is not the firm's core business.

About the SCI CTI Exam

The SCI Certificate of Proficiency in Travel Insurance (CTI) is the Singapore College of Insurance programme for staff who sell travel insurance as Trade Specific Agents. It is recognised under MAS Notice 211 Annex 2 for TSAs selling travel insurance only. Candidates complete SCI online learning, score at least 75% on the mock assessment, then sit a 50-question, 50-minute open-book Computer Screen Examination at SCI with a 70% pass mark. The syllabus focuses on travel insurance need and benefits, legal and regulatory duties, product features and exclusions, how cover is arranged and claimed, and fair customer service.

Assessment

50 multiple-choice questions on travel insurance products, coverage, exclusions, arrangement and claims, and customer conduct for Trade Specific Agents selling travel insurance.

Time Limit

50 minutes

Passing Score

70% (at least 35 of 50 questions correct). One mark per correct answer.

Exam Fee

S$210.00 inclusive of 9% GST as listed on the SCI CTI exam details page; confirm the fee applicable at registration because SCI announced COP fee-structure changes from 1 November 2025. (Singapore College of Insurance (SCI))

SCI CTI Exam Content Outline

8%

Need for and Benefits of Travel Insurance

Purpose of cover, pooling of risk, reviewing existing protection, and selecting plans based on trip frequency, destination and activities.

20%

Legal Principles, Duties and Regulation

Utmost good faith, insurable interest, indemnity and related principles; MAS Notice 211 TSA recognition; GIA TSA registration; FIDReC; SCI CTI completion rules.

30%

Travel Insurance Products, Cover and Exclusions

Single-trip and annual plans, family cover, geographical zones, medical and evacuation, cancellation and curtailment, delay, baggage, liability and standard exclusions.

28%

Arranging, Providing and Claims

Sales channels, fact-finding, underwriting outcomes, documentation, renewals, assistance requirements, claims evidence and settlement.

14%

Customer Service and Conduct

Clear product explanations, needs-based selling, complaints handling, data privacy, ethical conduct and continuing competence.

How to Pass the SCI CTI Exam

What You Need to Know

  • Passing score: 70% (at least 35 of 50 questions correct). One mark per correct answer.
  • Assessment: 50 multiple-choice questions on travel insurance products, coverage, exclusions, arrangement and claims, and customer conduct for Trade Specific Agents selling travel insurance.
  • Time limit: 50 minutes
  • Exam fee: S$210.00 inclusive of 9% GST as listed on the SCI CTI exam details page; confirm the fee applicable at registration because SCI announced COP fee-structure changes from 1 November 2025.

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

SCI CTI Study Tips from Top Performers

1Memorise CTI logistics: 50 MCQs, 50 minutes, 70% pass, open-book CSE, mock 75% gate, and three-month registration validity.
2Build a benefits-versus-exclusions table for medical, evacuation, cancellation, curtailment, delay, baggage and liability — most product questions turn on these distinctions.
3Know MAS Notice 211 TSA recognition and GIA Agents' Registration Board requirements for selling travel insurance through travel agencies.
4Practise claims scenarios: when to call assistance, what documents support medical/theft/delay claims, and how FIDReC fits after internal complaints.
5Use the SCI online module as your primary text; use this bank for timed drill at about one minute per question.

Frequently Asked Questions

How many questions are on the SCI CTI exam and how long is it?

The Certificate of Proficiency in Travel Insurance assessment has 50 multiple-choice questions and lasts 50 minutes. It is delivered as a Computer Screen Examination at SCI.

What is the passing mark for CTI?

The minimum passing grade is 70%, meaning at least 35 of the 50 questions must be correct. One mark is awarded for each correct answer.

How much does the SCI CTI programme cost?

The SCI CTI exam details page lists S$210.00 inclusive of 9% GST for the Certificate of Proficiency in Travel Insurance. SCI announced COP fee-structure changes from 1 November 2025, so confirm the exact fee when you register.

Who needs the Certificate of Proficiency in Travel Insurance?

It is aimed at Trade Specific Agents who sell travel insurance only, such as travel-agency staff. MAS Notice 211 Annex 2 recognises the SCI CTI for that limited line as an alternative to broader general-insurance qualifications.

Is the CTI exam open-book?

Yes. SCI requires candidates to bring their hardcopy version of the online learning contents for the open-book assessment. SCI will not provide hardcopies at the venue.

What must I complete before sitting the on-site CTI assessment?

You must complete the SCI Online Global Classroom course contents and answer at least 75% of the mock assessment questions correctly. Registration is valid for three months from the registration date.

Are these official SCI examination questions?

No. These are original OpenExamPrep practice questions modelled on publicly described CTI logistics and Singapore travel-insurance practice. Official online contents and examination questions are provided by SCI.