Q.1-10.Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some questions.
Health insurers are working out plans by which your insurance application is almost instantly passed without medical tests. All you would need to do is submit a declaration that you are medically fit, and pay the required payment, to start a health insurance policy.
At present, customers seeking health insurance have to go through several diagnostic tests before the insurance company finally issues the product to you. Moreover, it takes a week to 10 days for an application to get processed by the insurance company.
While private stand alone health insurer Max Bupa recently initiated the process of instant approval - albeit on a limited scale to see how it works on the ground level - Apollo Munich is working on the modalities of such a model, and government owned insurance companies could follow suit.
“Customers can choose a policy as per their requirements, upon completion of the payment process, they instantly receive the policy number; the policy details are sent to the customer within 30 minutes,” a Max Bupa spokesperson said.”We are working on the process, health insurance should be able to come to customers within minutes, our aim is to ensure that there is no waiting time,” said chief executive officer, Apollo Munich.
If a person who is suffering from a chronic problem hides it while making a ‘clean health’ affidavit, and this surfaces when he makes a claim, such claims would not be honoured. “It is not as though you start a policy today and file a claim tomorrow,” one insurance company official said. The health insurance market in India is expected to grow five times to cover 10% of the population by 2015, according to a report .Globally, health insurance has become key for consumers as even the most developed economies are finding it tough to meet the burgeoning spends on health due to increase in longevity and advancement in medical sciences that are continuously pushing per capita health expenditure of households, said the report, which was published last year.
Q.1. Which problems do people face to get a health insurance problems processed?
A. It takes a lot of time to complete the process
B. One has to go through many diagnostic tests
C. One has to get approval from many authorities
(1) Only A (2) Only B (3) Only C (4) Only A and B (5) Only A and C
Q.2. Why has author cited the example of a person suffering from a chronic problem?
(1) To show how people are unable to receive proper treatment for their problems
(2) To show that the potential of health insurance market is still untapped
(3) To show how people conceal health problems at the time of buying health insurance
(4) To prove that health insurance is out of reach for many in India
(5) Cannot be understood from the passage
Q.3. Which of the following does a person NOT need to do to start a health insurance policy?
(1) Claim for payment
(2) Choose a policy as per his requirement
(3) Pay the required amount
(4) Submit a declaration that he is medically fit
(5) All of these
Q.4. What is the age limit after which one cannot buy a health insurance policy?
(1) 18 years
(2) 59 years
(3) 40 years
(4) 35 years
(5) Not clear in the passage
Q.5. What is/are the reasons of increase in per capita health expenditure in developed nations?
(1) Decreased per capita income
(2) Advancement in medical sciences
(3) Increased cost of health insurance
(4) Increased life span
(5) Only 2 and 4
Q.6. Which of the following is FALSE according to the passage?
(1) Diagnostic tests establish whether a person is financially sound
(2) It takes 9 to 10 days for an application to get processed by the insurance company.
(3) The health insurance market in India is expected to grow five times by 2025
(4) The policy details are sent to the customer within 30 days if one buys a health insurance
from Max Bupa
(5) All of the above
Q.7. What has been said about government owned insurance companies?
(1) They are preferred by the people at the time of buying health insurance
(2) They already provide health insurance at reduced premium
(3) Soon they would start providing health insurance policy without much hassle
(4) They take a lot of time at the time of payment when one makes a claim
(5) All of the above
Q.8-10.Choose the word most similar in meaning to the word printed in bold, as used in the passage.
Q.8. Surfaces
(1) Comes to light (2) Stretches (3) Levels (4) Shields (5) Perplex
Q.9. Required
(1) Right (2) Begged (3) Ordered (4) Caused (5) Necessary
Q.10. A bevy of
(1) Complexity (2) A few (3) Too many (4) Popular (5) Lethal
Q.11-12.Choose the word which is most nearly the OPPOSITE in meaning as the word printed in bold as used in the passage.
Q.11. Burgeoning
(1) Blossoming (2) Succeeding (3) Thriving (4) Decreasing (5) Unfolding
Q.12. Instantly
(1) Directly (2) Soon (3) Abruptly (4) Later (5) Intermittent
Answer
Q.1.(4)
Q.2.(3)
Q.2.(3)
Q.3.(1)
Q.4.(5)
Q.5.(5)
Q.6.(5)
Q.5.(5)
Q.6.(5)
Q.7.(3)
Q.8.(1) Comes to light
Q.9.(5) Necessary
Q.10.(3) Too many
Q.11. (4) Decreasing
Q.12. (4) Later
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MAHENDRA GURU