Uiic Ao Papers 2026
UIIC AO Previous Year Papers 2026 - Download PDF & Preparation Guide
Last Updated: March 2026
The UIIC AO (United India Insurance Company - Administrative Officer) examination offers a prestigious career opportunity in India's public sector general insurance industry. This guide covers complete information about UIIC AO 2026 recruitment.
📋 Exam Overview
| Attribute | Details |
|---|---|
| Exam Name | UIIC AO 2026 |
| Conducting Body | United India Insurance Company Limited |
| Post | Administrative Officer (Scale-I) |
| Sector | General Insurance |
| Job Location | All India |
| Official Website | www.uiic.co.in |
About UIIC
United India Insurance Company Limited was incorporated in 1938 and is one of India's leading public sector general insurance companies. It offers a wide range of insurance products including motor, health, fire, marine, and rural insurance.
🎯 Eligibility Criteria
Educational Qualification
| Post | Required Qualification |
|---|---|
| Generalist | Graduate in any discipline with 60% marks (55% for SC/ST) |
| Finance | CA/ICWA/MBA(Finance)/PGDBM with 60% |
| Legal | Bachelor's Degree in Law with 60% |
| Engineering | BE/B.Tech with 60% |
| Medical | MBBS with 60% |
Age Limit (as of 01/03/2026)
| Category | Age Limit |
|---|---|
| General | 21 to 30 years |
| OBC | 21 to 33 years |
| SC/ST | 21 to 35 years |
| PwBD | 21 to 40 years |
💰 Salary & Pay Structure
| Component | Amount |
|---|---|
| Basic Pay | ₹50,925/- per month |
| Pay Scale | ₹50,925 - 2,500(14) - 85,925 - 2,710(4) - 96,765/- |
| Gross Salary | ₹75,000 - 90,000/- per month |
| Annual Package | ₹11-13 Lakhs |
Allowances & Perks
- Dearness Allowance (revised quarterly)
- House Rent Allowance
- City Compensatory Allowance
- Medical Benefits for self and family
- Leave Travel Concession
- Group Insurance
- Gratuity
- Pension under NPS
📊 Exam Pattern 2026
Phase 1: Preliminary Examination
| Section | Questions | Marks | Duration |
|---|---|---|---|
| English Language | 30 | 30 | 20 minutes |
| Numerical Ability | 35 | 35 | 20 minutes |
| Reasoning Ability | 35 | 35 | 20 minutes |
| Total | 100 | 100 | 60 minutes |
Key Points:
- Qualifying in nature
- Negative marking: 0.25 per wrong answer
- English marks not counted for merit
Phase 2: Main Examination
| Section | Questions | Marks | Duration |
|---|---|---|---|
| Reasoning | 40 | 40 | 35 minutes |
| English Language | 40 | 40 | 35 minutes |
| Quantitative Aptitude | 40 | 40 | 35 minutes |
| General Awareness | 40 | 40 | 20 minutes |
| Computer Knowledge | 40 | 40 | 15 minutes |
| Total | 200 | 200 | 140 minutes |
Phase 3: Interview
- Maximum Marks: 60
- Minimum qualifying marks: 30 (General), 27 (SC/ST/OBC)
Final Selection
- Mains (200) + Interview (60) = 260 marks
- Prelims is qualifying only
📚 Detailed Syllabus
Quantitative Aptitude
- Number System
- Simplification
- Approximation
- Number Series
- Quadratic Equations
- Data Interpretation
- Arithmetic Topics:
- Percentage
- Profit & Loss
- Simple & Compound Interest
- Ratio & Proportion
- Partnership
- Average
- Problems on Ages
- Time & Work
- Pipes & Cisterns
- Time, Speed & Distance
- Boats & Streams
- Mensuration
- Permutation & Combination
- Probability
Reasoning Ability
- Seating Arrangement (Circular, Linear, Square)
- Puzzles
- Syllogism
- Inequality (Direct & Coded)
- Input-Output
- Blood Relations
- Direction & Distance
- Order & Ranking
- Alphanumeric Series
- Coding-Decoding
- Data Sufficiency
English Language
- Reading Comprehension
- Cloze Test
- Para Jumbles
- Error Spotting
- Sentence Improvement
- Fill in the Blanks
- Vocabulary
General Awareness
- Current Affairs (National & International - Last 6 months)
- Banking & Insurance Awareness
- Financial Awareness & Markets
- Static GK (History, Geography, Constitution)
- Government Schemes (Central & State)
- Economic News & Budget Highlights
- Sports Events & Awards
- Books, Authors & Important Personalities
- Science & Technology Developments
- International Relations & Summits
Computer Knowledge
- Computer Basics
- Operating Systems
- MS Office
- Internet & Networking
- Cyber Security Basics
- Digital Payments
🧮 Quantitative Aptitude - 15 Practice Questions
Question 1
What is the value of: 1 + 2 + 3 + ... + 50?
Solution: Sum = n(n+1)/2 = 50 × 51/2 = 1275
Question 2
A sum of money triples itself in 8 years at simple interest. Find the rate.
Solution: If sum triples, interest = 2P Rate = (SI × 100)/(P × T) = (2P × 100)/(P × 8) = 25%
Question 3
The ratio of ages of A and B is 3:4. After 5 years, it will be 4:5. Find A's present age.
Solution: (3x + 5)/(4x + 5) = 4/5 15x + 25 = 16x + 20 x = 5 A's age = 3 × 5 = 15 years
Question 4
A shopkeeper sold an article at 20% loss. If he had sold it for ₹150 more, he would have gained 10%. Find CP.
Solution: Let CP = x 0.8x + 150 = 1.1x 0.3x = 150 x = ₹500
Question 5
Pipe A fills in 12 min, Pipe B in 15 min. Both open together, but B is closed after 3 min. How long to fill?
Solution: Work in 3 min = 3(1/12 + 1/15) = 3(9/60) = 9/20 Remaining = 11/20 A fills remaining in = (11/20) × 12 = 6.6 min Total = 3 + 6.6 = 9.6 minutes
Question 6
The average of 5 numbers is 27. If one number is excluded, average becomes 25. Find excluded number.
Solution: Sum of 5 = 135 Sum of 4 = 100 Excluded number = 35
Question 7
Find the missing number: 2, 6, 12, 20, 30, ?, 56
Solution: Pattern: 1×2, 2×3, 3×4, 4×5, 5×6, 6×7, 7×8 Missing = 42
Question 8
A train 150m long passes a platform 100m long in 10 seconds. Find speed in km/hr.
Solution: Distance = 250m, Time = 10s Speed = 250/10 = 25 m/s = 25 × 18/5 = 90 km/hr
Question 9
If x + 1/x = 5, find x² + 1/x²
Solution: x² + 1/x² = (x + 1/x)² - 2 = 25 - 2 = 23
Question 10
The diagonals of a rhombus are 24cm and 10cm. Find its area.
Solution: Area = (d₁ × d₂)/2 = (24 × 10)/2 = 120 cm²
Question 11
A and B invest ₹25,000 and ₹15,000 respectively. After 4 months, C joins with ₹20,000. Annual profit is ₹84,000. Find B's share.
Solution: Ratio = 25000×12 : 15000×12 : 20000×8 = 300 : 180 : 160 = 15:9:8 B's share = (9/32) × 84000 = ₹23,625
Question 12
In how many ways can 6 people be seated around a circular table?
Solution: Circular arrangement = (6-1)! = 120 ways
Question 13
The HCF of two numbers is 12 and their product is 1728. Find their LCM.
Solution: HCF × LCM = Product 12 × LCM = 1728 LCM = 144
Question 14
If 20% of A = 30% of B = 40% of C, find A:B:C.
Solution: 0.2A = 0.3B = 0.4C = k A = 5k, B = 10k/3, C = 5k/2 A:B:C = 5 : 10/3 : 5/2 = 30:20:15 = 6:4:3
Question 15
A man rows at 5 km/hr in still water. If the river flows at 1 km/hr, how long to row 12 km upstream and return?
Solution: Upstream speed = 4 km/hr Downstream speed = 6 km/hr Time = 12/4 + 12/6 = 3 + 2 = 5 hours
🧩 Reasoning Ability - 10 Practice Questions
Question 1
Find the next term: Z1A, X2D, V6G, T21J, ?
Solution: First letter: -2 each time (Z, X, V, T, R) Number: ×1+1, ×2+2, ×3+3, ×4+4 → 1, 2, 6, 21, 88 Third letter: +3 each time (A, D, G, J, M)
Question 2
Statement: No table is a chair. All chairs are stools. Conclusions: I. No stool is a table II. Some stools are not tables
Question 3
If SOLDIER is coded as JFSCRNQ, how is COMMAND coded?
Solution: Pattern: Reverse and shift by +1 COMMAND → DNAMMOC → ENBNNPD
Question 4
Six friends sit in a circle. A is between B and C. D is between E and F. B is opposite to E. Who is opposite to D?
Question 5
A woman says, "His father is the only son of my father." How is she related to him?
Question 6
A man walks 10m North, turns left, walks 5m, turns left, walks 10m. How far from start?
Question 7
If A = 1, B = 2, ..., Z = 26, what is the sum of letters in ZENITH?
Solution: Z(26) + E(5) + N(14) + I(9) + T(20) + H(8) = 82
Question 8
Find odd pair: (3-9), (4-16), (5-25), (6-38)
Question 9
In a row, Ravi is 17th from left and 18th from right. Total students?
Solution: 17 + 18 - 1 = 34
Question 10
Input: 48 25 67 32 89 12 Step 1: 89 48 25 67 32 12 Step 2: 89 67 48 25 32 12 Step 3: ?
🌍 General Awareness & Insurance - 10 Questions
Question 1
When was United India Insurance established? Answer: 1938
Question 2
Where is UIIC headquartered? Answer: Chennai
Question 3
What is the motto of UIIC? Answer: "Rest Insured"
Question 4
What is the capital adequacy ratio requirement for insurers? Answer: 150%
Question 5
Which scheme provides health insurance to BPL families? Answer: Ayushman Bharat
Question 6
What is crop insurance scheme called? Answer: PMFBY (Pradhan Mantri Fasal Bima Yojana)
Question 7
What does BANCASSURANCE mean? Answer: Selling insurance through banks
Question 8
What is the tenure of IRDAI Chairman? Answer: 5 years or till age 65
Question 9
Which insurance covers fire, burglary, and allied perils? Answer: Fire Insurance
Question 10
What is reinsurance? Answer: Insurance for insurance companies
📝 English Language - 5 Practice Questions
Question 1
Error spotting: "Neither the teacher nor the students / was present / in the class. / No error"
Question 2
Fill in the blank: "This is ___ unique opportunity."
Question 3
Synonym: EPHEMERAL
Question 4
Antonym: PROLIFIC
Question 5
Rearrange: P: is essential Q: for success R: hard work S: in life
📈 Previous Year Cutoff
UIIC AO Prelims Cutoff
| Category | Cutoff |
|---|---|
| General | 56-60 |
| OBC | 50-54 |
| SC | 45-49 |
| ST | 40-44 |
UIIC AO Final Cutoff (Mains + Interview)
| Category | Cutoff (Out of 260) |
|---|---|
| General | 165-175 |
| OBC | 155-165 |
| SC | 145-155 |
| ST | 135-145 |
📖 Detailed 3-Month Preparation Strategy
Phase 1: Foundation Building (Month 1)
Week 1-2: Quantitative Aptitude Basics
Topics to Cover:
- Number System and Simplification
- Percentage and its applications
- Profit, Loss and Discount
- Simple Interest and Compound Interest
Daily Practice:
- 50 simplification problems
- 20 percentage calculations
- 10 DI questions
Week 3-4: Reasoning Fundamentals
Topics to Cover:
- Blood Relations and Directions
- Coding-Decoding
- Inequality (Mathematical and Coded)
- Syllogism basics
Daily Practice:
- 10 Blood Relation questions
- 15 Coding-Decoding
- 20 Syllogism questions
Phase 2: Advanced Topics & Insurance Awareness (Month 2)
Week 5-6: Advanced Quant & Reasoning
Quant Topics:
- Time and Work
- Time, Speed and Distance
- Ratio and Proportion
- Partnership
- Mixtures and Alligations
- Permutation and Combination
- Probability
Reasoning Topics:
- Seating Arrangements (All types)
- Puzzles (Floor, Day, Month, Box-based)
- Input-Output
- Data Sufficiency
Daily Schedule:
- 5 Seating Arrangements
- 3-4 Puzzles
- 50 Quant questions
- 1 DI set
Week 7-8: Insurance & Computer Knowledge
Insurance Topics:
- United India Insurance: History, products, achievements
- General Insurance: Fire, Marine, Motor, Health
- IRDAI regulations and guidelines
- Insurance Ombudsman
- Claim settlement process
- Reinsurance basics
- Crop Insurance (PMFBY)
- Health Insurance (PMJAY)
Computer Topics:
- Computer Fundamentals
- Operating Systems (Windows, Linux)
- MS Office (Word, Excel, PowerPoint)
- Internet and Networking
- Database Management Basics
- Cyber Security
- Digital Payments (UPI, NEFT, RTGS)
- Cloud Computing basics
Resources:
- UIIC Annual Report
- IRDAI website
- Computer Awareness books
Phase 3: Mock Tests & Revision (Month 3)
Week 9-10: Full-Length Mock Tests
Daily Schedule:
- 1 Prelims Mock (100 questions, 60 minutes)
- 1 Mains Mock (200 questions, 140 minutes)
- Detailed analysis (2-3 hours)
- Focus on weak areas
Analysis Checklist:
- Questions attempted
- Accuracy percentage
- Time spent per section
- Topics needing more practice
Week 11-12: Final Revision & Interview Prep
Revision Strategy:
- Revise all formulas (Quant)
- Practice high-level puzzles (Reasoning)
- Read 6 months Current Affairs
- Revise Insurance and Computer capsules
Interview Preparation:
- Know about UIIC (History, Products, Recent news)
- Prepare "Tell me about yourself"
- Why insurance sector?
- Why UIIC?
- Current affairs discussion
Subject-wise Time Allocation
| Subject | Daily Time | Priority |
|---|---|---|
| Quantitative Aptitude | 2.5 hours | High |
| Reasoning Ability | 2.5 hours | High |
| English Language | 1 hour | Medium |
| General Awareness | 1.5 hours | High |
| Computer Knowledge | 1 hour | Medium |
| Mock Tests | 2 hours | High |
Important Preparation Tips
For Quantitative Aptitude:
- Master Vedic Maths techniques
- Learn tables up to 30
- Practice mental calculations
- Focus on Data Interpretation
For Reasoning:
- Start with easy puzzles
- Practice seating arrangements daily
- Learn to make diagrams quickly
- Don't spend more than 2 minutes per question
For General Awareness:
- Read newspaper daily (The Hindu/Indian Express)
- Follow monthly current affairs magazines
- Focus on insurance-related news
- Revise Static GK weekly
For Computer Knowledge:
- Understand basic terminology
- Learn MS Office shortcuts
- Know about cybersecurity threats
- Understand digital payment systems
Last Week Strategy
Day -7 to Day -3:
- Take 2 mocks daily
- Revise weak topics
- Practice Computer questions
- Read Current Affairs of last month
Day -2:
- Light revision
- No new topics
- Relax and sleep well
Day -1:
- Check admit card and documents
- Visit exam center
- Light formula revision
- Sleep early
Exam Day:
- Wake up early
- Revise important formulas
- Reach center 1 hour before
- Stay calm and confident
📚 Best Books
Quantitative Aptitude
- Quantitative Aptitude by R.S. Aggarwal
- Fast Track Objective Arithmetic
Reasoning
- Verbal & Non-Verbal Reasoning
- Analytical Reasoning by M.K. Pandey
English
- Objective General English
- Word Power Made Easy
GA & Insurance
- Insurance Awareness by Arihant
- Current Affairs Yearbook
Computer Knowledge
- Computer Awareness by Arihant
- Objective Computer Awareness
❓ FAQs
Q1. Is UIIC AO exam bilingual?
Q2. What is the probation period?
Q3. Is there sectional cutoff in UIIC AO?
Q4. Can final year students apply?
Q5. What is the career growth path?
Last Updated: March 2026