CLOZE TEST
Q.1-10. In the following passage there are blanks each of which has been numbered, these numbers are printed below the passage and against each five words have been suggested, one of which fits the blanks appropriately. Find out the appropriate word in each case.
The draft National Health Policy suggests the government should buy care from private hospitals and (1) them the amount against cashless services provided to patients. It’s a good idea. The government simply does not have the wherewithal to provide all healthcare and, therefore, purchasing private care for secondary and tertiary care makes (2).
It should be on a prior-pooling basis, which means hospitals must be (3) upfront, to minimise, if not eliminate, out-of-pocket payments by patients. The biggest flaw in the conventional insurance model is conflict of interest between care providers, who inflate costs, and payers, the insurance companies that seek to minimize outlays. Poor or missing regulatory oversight means hospitals get away with inflated charges for (4) investigations and procedures.
One way to align incentives is to pay providers upfront to take care of patients. Then, their incentive will be to keep them healthy and minimize the cost of investigation and treatment when preventive healthcare does not succeed. Sure, there’s always a danger that providers could hold back on care to (5) their take, though in the process, they run the risk of damaging their (6).
To prevent such (7), we need to have proper regulation and more competition among care providers. A regulator for hospitals brooks no delay.Insurance services can be unbundled into actuarial calculations, distribution, asset management, monitoring care-provider processes to eliminate inefficiency and fraud, and reimbursement of (8). The industry has outsourced some of the functions to third-party administrators.
Actuarial calculations can be a stand-alone service that care providers can tap, to determine break-even per-capita premium that offers a decent (9) after covering the cost of keeping people healthy and treating them if they fall ill. The advantage of care providers agreeing to manage the care of a designated number of people for upfront payment is that it (10) incentives to minimize cost and provide care.
1.1. Dishonor 2.reimburse 3.exchange 4.extend 5.penalize
2.1. Design 2.designate 3.trial 4.sense 5.threat
3.1. Paid 2.obscured 3.salaried 4.ratified 5.acquitted
4.1. Extreme 2.minor 3.measurable 4.auxiliary 5.needless
5.1. Depreciate 2.realized 3.maximize 4.nominate 5.share
6.1. Reliable 2.reputation 3.supply 4.ecstasy 5.privilege
7.1. Trespassers 2.offend 3.manages 4.malpractices 5.responsibilities
8.1. Shifts 2.fraud 3.challenge 4.craft 5.claims
9.1. Return 2.redeem 3.cost 4.borrowing 5.decrease
10.1. Service 2.exhibit 3.match 4.aligns 5.Range
ANSWERS
1. (2)
2. (4) Sense
3. (1) Paid
4. (5) Needless
5. (3) Maximize
6. (2) Reputation
7. (4) Malpractices
8. (5) Claims
9. (1) Return
10. (4) Aligns
