CHAPTER 1 :- INTRODUCTION

What is Insurance ?
Insurance is a financial contract between an individual or entity (the policyholder) and an insurance
company. Here are some key points about insurance:
1. Risk Management: Insurance is a risk management tool that helps individuals and businesses
protect themselves from financial losses caused by unforeseen events or accidents.
2. Premiums: Policyholders pay regular premiums to the insurance company in exchange for
coverage. Premiums can be monthly, quarterly, or annually, depending on the policy.
3. Coverage: Insurance policies specify the types of risks or events they cover. Common types of
insurance include health, auto, home, life, and liability insurance.
4. Deductibles: Many insurance policies require policyholders to pay a deductible (a specific
amount) before the insurance company starts covering the remaining costs. Higher deductibles
often result in lower premium costs.
5. Claims: When a covered event occurs, the policyholder can file a claim with the insurance
company. If the claim is approved, the insurer provides financial compensation or services to cover
the losses, up to the policy's limits.
6. Types of Insurance: There are various types of insurance tailored to different needs. For
example, health insurance covers medical expenses, auto insurance covers vehiclerelated
accidents, and life insurance provides a payout to beneficiaries upon the insured person's death.
7. Risk Pooling: Insurance companies pool premiums from many policyholders to create a fund
that can cover the losses of a few policyholders. This spreading of risk helps individuals and
businesses manage unforeseen costs more effectively.
8. Regulations: Insurance is subject to government regulations and oversight to ensure fair
practices, financial stability of insurers, and consumer protection.
9. Importance: Insurance plays a crucial role in personal finance and business operations by
providing a safety net against unexpected financial hardships, helping individuals and
organizations plan for the future, and promoting economic stability.

1
 ➢ What is Health Insurance ?
Health insurance is an insurance product which covers medical and surgical expenses of an
insured individual. It reimburses the expenses incurred due to illness or injury or pays the care
provider of the insured individual directly. 
➢ Types of Health Insurance
Every individual is different and has a unique set of needs. A single health insurance product is
not enough to cover every person's individual requirements. This is precisely where there are a
number of different types of health insurance plans available. Let's take a look at what they are:
Individual Health Insurance :- You can purchase an individual health insurance policy to provide
cover for yourself, your spouse, your children and your parents. These policies typically cover all
kinds of medical expenses, including hospitalisation, daycare procedures, hospital room rent and
more. Under an individual health insurance plan, each member has their own sum insured amount.
So, let's say you've taken an individual plan for yourself, your spouse and both your parents with
a sum insured of INR 8 lakhs. Each of you will be able to claim a maximum amount of 8 lakhs per
policy year against your health insurance.
Family Floater Health Insurance :- A family floater plan allows you to cover your family
members under a single policy and everybody shares the sum insured amount. These plans are
typically more affordable than individual plans since the sum insured is shared. Let's say you
purchase a family floater plan for you and your spouse with a sum insured of INR 8 lakhs. In a
single policy year, you can make claims worth only INR 8 lakhs. Your spouse may make claims
worth INR 6 lakhs and you could make claims worth INR 2 lakhs or vice-versa. Typically, family
floater plans are ideal for young nuclear families.
Senior Citizens Health Insurance :- These health plans have been designed specifically keeping
the medical needs and requirements of senior citizens in mind. Most senior citizens policies offer
additional cover, such as domiciliary hospitalisation and even some psychiatric benefits. Since
older citizens are more likely to have health issues, these policies may require a full medical check-
up beforehand and could be more expensive than regular insurance policies.
Critical Illness Insurance :-There are a number of lifestyle-related diseases that are on the rise.
Health issues such as cancer, stroke, kidney failure and cardiac diseases can be very expensive to
deal with and manage long-term. This is precisely why critical illness insurance policies have been
created. They can either be purchased as a rider or add-on with your regular health insurance plan
or separately as their own plan. These policies offer cover for very specific issues and often provide
claim payouts as a single lump sum payment after the diagnosis of a critical illness

2
Group Health Insurance : Unlike individual and family floater policies, group health insurance
plans can be purchased by a group manager for a large number of individuals. For example, an
employer can purchase group insurance for all their employees or a building secretary may
purchase such a plan for all the residents of the building. These plans are fairly affordable, but they
often only provide cover for basic health issues. Employers often purchase these plans as an
additional benefit for employees.
Benefits of Health Insurance : Purchasing health insurance is crucial for a number of reasons.
Let's take a look at the most important benefits of our health insurance policies:
Helps Deal with Rising Medical Costs : People purchase health insurance policies to safeguard
their finances against ever-rising medical costs. An accident or medical emergency could end up
costing you more than a few thousand rupees. With a medical insurance plan, you enjoy cover for
everything from ambulance charges to daycare procedures, making it easier for you to get the care
you need to recover.
Critical Illness Cover : Many health insurance policies will also offer cover for critical illnesses
at an additional cost. Given the rising incidence of lifestyle-related diseases today, this is another
crucial cover to have. You will be provided with a lump sum payout in case you are diagnosed
with any of the covered critical illnesses. These issues are often very expensive to deal with and
manage, so critical illness cover is another vital benefit of having health insurance.
Easy Cashless Claims : Every health insurance provider will tie-up with a number of network
hospitals where you can enjoy cashless claims. This makes the entire process of receiving
emergency medical care much easier. At a network hospital, you aren't really required to pay for
any of the covered treatments. For all valid claims, we'll take care of the medical costs, without
you having to pay for anything, except non-covered expenses and the mandatory deductibles.
Added Protection : If you enjoy cover under a group health insurance plan, you may wonder
why you should purchase your own health insurance policy. Well, individual health insurance
plans offer provider more and better cover than group plans. Additionally, if you happen to leave
the group at any time, you risk losing the cover, which could make you and your finances
vulnerable.
Tax Savings :- Under Section 80D of the Income Tax Act, 1961, premiums paid towards the
upkeep of health insurance policies are eligible for tax deductions. For a policy for yourself, your
spouse, your children and parents below the age of 60, you can claim a deduction of up to INR
25,000 per year from your taxable income. If you've also purchased a policy for a parent who is
over the age of 60, you can claim an additional deduction of INR 50,000.

3
 CHAPTER – 2 DIFFERENT TESTING ON HEALTH INSURANCE

❖ White Box Testing :-

White box testing techniques analyse the internal structures the used data structures,
internal design, code structure, and the working of the software rather than just the
functionality as in black box testing. It is also called glass box testing or clear box testing
or structural testing. White Box Testing is also known as transparent testing or open box
testing. White box testing is a software testing technique that involves testing the internal
structure and workings of a software application. The tester has access to the source code
and uses this knowledge to design test cases that can verify the correctness of the software
at the code level .White box testing is also known as structural testing or code-based testing,
and it is used to test the software’s internal logic, flow, and structure. The tester creates test
cases to examine the code paths and logic flows to ensure they meet the specified
requirements

❖ Example :-
Examples of white-box testing methods include statement coverage (testing every statement in
the code at least once), branch coverage (testing every possible outcome of a conditional statement
in the code), path coverage (testing every possible path of execution in the code), and mutation
testing (modifying the code slightly and checking if the test cases can detect the change)

4
Positive and Negative Testing :-

• Positive Testing: -
Input: Provide accurate information during the application process. - Expected Result: The policy
is generated correctly with the requested coverage
.
• Negative Testing: - Input: Provide incorrect or incomplete information during the application
process. - Expected Result: The system should handle the invalid input gracefully and display
appropriate error messages or prompt for correct information
.
• Positive Testing: - Input: Select various coverage options offered by Aditya Birla health
insurance. - Expected Result: The policy reflects the selected coverage accurately.

• Negative Testing: - Input: Select coverage options that are not available or not applicable.
Expected Result: The system should handle the invalid selection and provide appropriate feedback

• Positive Testing: - Input: Submit payment information and complete the premium payment
process. - Expected Result: The payment is processed successfully and the policy is activated.

• Negative Testing: - Input: Submit incorrect or invalid payment information. - Expected Result:
The system should detect the invalid payment details and prompt for correct information or display
an error message

5
1. Boundary Value Analysis :-

Boundary value analysis is a testing technique that focuses on testing the boundaries or
limits of inputs. In the context of ABHICL health insurance, we can apply boundary value
analysis to test the policy's behavior at the edges of its coverage limits.

For example, if the policy has a maximum coverage limit of ₹5,000,000 for health
coverage, we would test scenarios with values just below, at, and just above this limit. This
helps ensure that the policy behaves as expected and handles these boundary cases
correctly.

By applying boundary value analysis, we can identify any potential issues or vulnerabilities
at the edges of the policy's coverage limits and ensure the policy is reliable and effective

2. Decision Table :-

Decision table testing is a technique used to test different combinations of conditions and
actions. In the context of ABHICL health insurance, decision table testing can be applied
to test various scenarios and determine the appropriate actions or coverages based on the
conditions. It helps ensure that the insurance policy functions as intended and provides the
necessary coverage for different situations

3. Regression Testing :-

Regression testing is a type of testing that ensures that changes or updates to a system, like
ABHICL health insurance, do not introduce new defects or negatively impact existing
functionalities. It involves retesting previously tested scenarios to verify that the system still
works as expected after changes have been made. By performing regression testing on
ABHICL health insurance, any potential issues or regressions can be identified and addressed,
ensuring the continued reliability and effectiveness of the insurance policy

6
4. Functional Testing :-

Functional testing is a type of testing that focuses on verifying the functionality of a system,
such as ABHICL health insurance. It involves testing the different features and functionalities
of the insurance policy to ensure that they work as intended. This includes testing scenarios
like applying for a policy, calculating premiums, filing claims, and accessing policy
information. By performing functional testing on ABHICL health insurance, any functional
issues or discrepancies can be identified and resolved, ensuring a smooth and reliable user
experience.

5. Performance Testing :-

To apply performance testing on ABHICL health insurance, various aspects can be evaluated.
This includes testing the response time of the system when performing tasks like generating
quotes, processing policy applications, and handling claims. Additionally, load testing can be
conducted to assess how the system performs under high user volumes. By conducting
performance testing, ABHICL can ensure that their health insurance system can handle the
expected workload and provide a seamless experience to users.

6. Security Testing :-

To apply security testing on ABHICL health insurance, various measures can be taken to
assess the security of the system. This includes conducting vulnerability assessments,
penetration testing, and reviewing the system's security controls and protocols. By performing
security testing, ABHICL can identify and address any potential vulnerabilities or weaknesses
in their home insurance system, ensuring the protection of sensitive user information and
preventing unauthorized access or data breaches.

7
8
 CHAPTER 3 – TEST CASES

HOME SHEIDED INSURANCE

SR. TEST TEST STEPS INPUT DATA EXPECT ACTU STAT

NO CASE ID CASE ED AL US
OBJETI RESULT RESU
VE LT
1. TC- 1 To Test [Link] Home Home
Check Internet [Link] Page Page Pass
Internet Connectio Should displye
n be d
Displyed
2. TC-2 To Type [Link] Site Site pass
Check Proper site o. home home
Wheath address as com page page
e r site [Link] display display
home ergo . com should should
page display display
opens or on on
not screen screen
TC-3 To Click on Mouse Shall Show pass
3. search the rollover and display module
the module click module or
module or contex context
or
context
4. TC-4 To Go to Mouse It should It pass
check home rollover and click and should
on owner. click select click
home Select any option and
owner one option select
option

9
5. Tc-5 To check Go to I Mouse It should Option pass
I want to want to rollover click and clicked
cover cover. and click select and
Select option selected
any one successfu
option lly
6. TC -6 To check Go to Mouse Mouse Mouse pass
whether home rollover rollover rollover
the home owner. and click and click and click
shield Select 1
Insuranc option.
es open Go to I
after want to
clicking cover.
the Select 1
continue option.
button Click on
continue.
7 TC -7 Test with Enter the Mouse It should It accept pass
valid valid rollover accept the and open
minimu minimum and click minimum keyboard
m market and open market
market value the value and
value keyboard open the
keyboard
8 TC-8 Test with Enter the Mouse It show Showed pass
invalid invalid rollover error error
minimu minimum and click message message
m market and open
market value the
value keyboard
9 TC-9 Test with Enter the Mouse It should It accept pass
valid valid rollover accept the and open
maximu maximum and click valid keyboard
m market and open maximum
market value the market
value keyboard value and
open
keyboard
10 TC-10 Test Test Mouse It show Showed pass
invalid invalid rollover error error
maximu maximu and click message message
m m market and open
market value the
value keyboard

10
11 TC- 11 To check Mouse It accept It pass
whether it rollover max and accepted
accept and click mini input input
max&min and open
otput the
keyboard
12 TC-12 Put carpe t Click on Mouse It accepted It pass
value carpet area rollover the input accepted
option. Put and click
carpet and open
value. the
keyboard
13 TC-13 Empty Click on Mouse It show It showed pass
carpet value carpet area rollover error
option. and click message
Leave and open the field
carpet area keyboard area is
option required
empty

14 TC-14 To check Click on Mouse It should It clicked pass

whether pin the pin rollover click , , opened
code can be code and click open the and
enter button. and open keyboard accepted
Than click the and accept the input
to show the keyboard the input
keyboard.
15 TC-15 Select the Show the Mouse It should It showed
age of age of rollover show and and pass
building building. and click select the selected
Select any and open year
one year. the
keyboard

11
16 TC-16 Click on Click on Mouse It should It Pass
proceed proceed rollover proceed proceede
button. and click and go to d and go
Show the and open next page to next
next page the page
keyboard
17 TC-17 To verify Click on Mouse Years Years Pass
that proceed. rollover can can be
years can Choose and click choice choose
be the years and open successfu
choose in in tenure. the lly
the keyboard
tenure
18 TC-18 Click on Click on Mouse It should It Pass
proceed proceed rollover proceed proceede
button. and click and go to d and go
Show the and open next page to next
next the page
page. keyboard
19 TC-19 Enter Click on Mouse It should It Pass
pan proceed rollover accept accepted
cared no. button and click the pan and open
Show the and open card no keyboard
next the and open
page. keyboard the
Click on keyboard
pan card.
20 TC-20 Empty Click on Mouse It show It showed Pass
pan card proceed rollover error
button. and click message
Show the and open that
next the Please
page. keyboard enter pan
Click on number
pan card.

12
21 TC-21 Enter Click on Mouse It should Option Pass
Salutatio proceed rollover click and clicked
n button. and click select and
Show the and open one selected
next page. the option successfu
Click on keyboard lly
pan card.
Click on
Salutation.
22 TC-22 Enter full Click on Mouse It should Clicked Pass
name pan card. rollover click and and
Click on and click accept accepted
Salutation. and open the input
Click on the
Full name. keyboard
23 TC-23 Enter Click on Mouse It should Clicked Pass
birth date Salutation. rollover click and and
Click on and click accept accepted
Full name. and open the input
Click on the
date of keyboard.
birth date
option.
24 TC-24 Enter Click on Mouse It should Clicked Pass
email id Full name. rollover click and and
Click on and click accept accepted
date of and open the input
birth date the
option. keyboard
Click on
email
25 TC-25 Enter Click on Mouse It should Clicked Pass
mobile date of rollover click and and
no. birth date and click accept accepted
option. and open the input
Click on the
email keyboard
Click on
mobile no

13
 CHAPTER 4 :- TEST SUMMARY REPORT

A report contains the results of test cases that are specified for one report group. A test report
is created during the run of a build projects. You specify a report group , test cases , files ,
and commands to run the test cases on its build files. Each time the test cases run a new test
report is created in the report group.

14
 CHAPTER 5 :- CONCLUSION

HDFC home insurance offers comprehensive coverage for your home and its contents,
protecting against risks like fire, theft, and natural disasters. It also provides personal liability
coverage. You can customize your policy with additional coverages for jewelry, valuables,
personal accident, and loss of rent. It's a reliable way to safeguard your home and belongings.

15
 REFERENCES

❖ [Link]
❖ [Link]
plan
❖ [Link]
❖ [Link]

16