IC recessed fixtures can be covered with insulation. Since insulation can be in direct contact with the fixture housing they reduce energy loss. The old type fixtures had to have a box of non combustable material built over the fixture for fire-proofing. Recessed fixtures have come a long way.
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IC means Insulated Ceiling. A non-IC can needs the insulation pulled back away from it so it won't overheat. An IC can may touch the insulation.
Yes, you can.
Yes. They are well insulated and have thermal cutoff switches.
You can buy clips that attach to the spreader bars on the recessed light itself, then the clips attach to the suspended ceiling bars. You may need to add a pair of additional suspended ceiling bars to make this work. Armored cable should be run to energize the light.
ic made from bjt is known as bipolar ic