Dear Readers,
Mahendras has started special quizzes for IBPS | RBI | SBI | NABARD | LIC so that you can practice more and more to crack the examination. This IBPS | RBI | SBI | NABARD | LIC Exam special quiz series will mould your preparations in the right direction, and the regular practice of these quizzes will be very helpful in scoring good marks in the Examination. Here we are providing you with the critical question of English Language for the IBPS | RBI | SBI | NABARD | LIC.
Q-1 In the following question, a sentence is given containing a highlighted word and three words have been given below it. Choose the word(s) which are similar in meaning to the word given in bold. A ravishing dessert tray is proffered after every meal, and selections range from fruit-inspired sweets to insulin-overdrive chocolate concoctions.
A. delightful
B. hideous
C. entrancing
(1) Only A
(2) Both B and C
(3) Only B
(4) Both A and C
(5) Only C
Q-2 In the following question, a sentence is given containing a highlighted word and three words have been given below it. Choose the word(s) which are similar in meaning to the word given in bold. In the laboratory only reactants and products can generally be obtained, yielding little information about the nature of a reaction pathway.
A. defying
B. generating
C. bestowing
(1) Only A
(2) Both B and C
(3) Only B
(4) Both A and C
(5) Only C
Q-3 In the following question, a group of five words is given in which two words are different from the other three words same in meaning. Choose the option which contains the initials of those two words.
A. Convivial
B. Affable
C. Hurl
D. Amiable
E. Impel
(1) A-B
(2) B-D
(3) C-E
(4) A-D
(5) B-E
Q-4 In the following question, a group of five words is given in which two words are different from the other three words same in meaning. Choose the option which contains the initials of those two words.
A. Reticent
B. Pretermit
C. Elide
D. Introverted
E. Omit
(1) A-B
(2) B-D
(3) C-E
(4) A-D
(5) B-E
Q-5 In the following question, a group of five words is given in which two words are different from the other three words same in meaning. Choose the option which contains the initials of those two words.
A. Deterrent
B. Detain
C. Incarcerate
D. Disincentive
E. Imprison
(1) A-B
(2) B-D
(3) C-E
(4) A-D
(5) B-E
Q-6 In the following question, three statements A, B and C consisting of two sentences are given. Select the statement(s) of which both the sentences can be meaningfully combined by using the given word in the question.
FOR INSTANCE
A. The accused is allowed to borrow something. It is termed as an entirely normal gesture.
B. There is an extra demand at home and abroad for goods. Manufacturing cheaper and better goods will add to employment.
C. You cannot rely on her at any cost. She arrived an hour late for an important meeting yesterday.
(1) Only A
(2) Only B
(3) Both A and B
(4) Only C
(5) All A, B and C
Q-7 In the following question, three statements A, B and C consisting of two sentences are given. Select the statement(s) of which both the sentences can be meaningfully combined by using the given word in the question. HOWEVER
A. People have strongly demanded an ID not prioritizing the address. The request has been met with indifference.
B. Initially the show got a mild response from the audience. The auditorium echoed with thunderous applause at the conclusion.
C. Placing the product in a niche can be a tough choice, especially if the board wants the entire market. It can limit wastage of productive resources.
(1) Only A
(2) Only B
(3) Both A and B
(4) Only C
(5) All A, B and C
Q-8 In the following question, three statements A, B and C consisting of two sentences are given. Select the statement(s) of which both the sentences can be meaningfully combined by using the given word in the question. MOREOVER
A. Murder, petty theft and tax evasion, all are crimes. All have different motives and consequences. B. The valleys were densely populated. They were distinct from that of the towns.
C. She has invested a vast amount of time and energy in creating her novel. She is very hard-working and driven.
(1) Only A
(2) Only B
(3) Both A and B
(4) Only C
(5) All A, B and C
Q.9-10.Read the following passage and answer the questions based on it. Been at the hospital for a couple of days and now that you are fit, you crave home food and comfort. The doctor comes on a round and declares you fit for discharge and so you pack your bags thinking you will be able to walk out of the hospital the very next minute. But then the hospital staff tells you to have patience and that’s what you lose every single minute as you see your family running around to get the bills cleared. It’s now evening and you are still stuck because your health insurance claim has not been cleared and the hospital won’t discharge you unless the insurer signs off on the bills. This is not an aberration, but a common experience among the insured patients who make cashless claims. Insurance claims in India are generally delayed as there is no single point where claims can be verified. Also, hospitals and medical day-care centres are not listed on one platform due to which processing of insurance claims gets delayed. In an age where everything has become digital, electronic exchange of medical records between hospitals and insurance companies has to become seamless," said a spokesperson from GS1 India, an industry standards body. The insurer in a cashless claim is usually the faceless entity as you are dealing primarily with the health insurance desk of the hospital and so you may think that the insurance company is taking their sweet time to settle bills, little realising that your hospital too could be guilty of delaying the whole process. It’s therefore important to understand the process. The process of filing a claim starts with pre[1]authorization from the insurer. You and the doctor treating you will have to fill the pre-authorisation form. You will have to fill in the personal and insurance policy details and your doctor will fill in details about the treatment. Once this is done, the form is sent to the hospital’s billing department to give an estimate of the cost which is then sent to your insurance company along with the documents. The insurer reviews these documents and pre[1]authorizes the claim. Pre-authorization usually means an initial amount has been sanctioned by the insurer along with an acknowledgement that the claim will be paid subject to final invoice received from the hospital. So it’s important to understand that a pre-authorization is a mere acknowledgement and not a guarantee that the claim will be settled. Even if your claim gets pre-authorized, you may be asked for additional document slater, approval of which could take time. If it’s an unplanned admission, you could be asked for a deposit by the hospital which gets reimbursed later. This is done because your admission may be sudden, not leaving you with enough time for the pre-authorization process. Though pre-authorization has become quicker, claims settlement at the time of discharge could be a long and cumbersome process. In order to process the claim, an insurer will need the discharge summary which itself can take long. Once the discharge summary and hospital bills are sent to the insurer, it will scrutinize the bills before settling them.
Hospitals work primarily on the final bill settlement. So it’s important that your insurer or TPA give their final nod to the hospital for it to process the settlement. Sometimes hospitals submit irrelevant bills or documents to the insurer for authorization which leads to a delay. It’s important to know your claims settlement process will largely depend on the administrative efficiency of the hospital and the insurer. At your end you could check with the doctor for a probable date of discharge, also request for the time. Inform the insurance help desk and ask them to prepare the relevant documents so that they can be sent to the insurer immediately when the discharge is ordered. Keep calling the insurer or the third-party administrator to check the status. Even in the best of hospitals, a wait timespanning7-8hoursforclaims approval and discharge is common, so a proactive approach will make sure you are able to get your policy to pay for your hospitalisation quicker and easily to a large extent.
Q-34 Which of the following points has/have not been derived from the passage?
(1) It is the utmost truth that one must definitely enquire about the process of getting the insurance.
(2) One won’t be able to get rid of the hospital unless the bills are signed by the insurer.
(3) At the time when one is about to leave the hospital, claims settlement could be a lengthy and unwieldy process.
(4) In the digital era, the process of exchange of information between the hospital and the insurance companies must be smooth.
(5) None of the above.
Q-35 On the basis of your reading, mention the reason(s) behind the held-up insurance claims.
A. Due to the inconsequential information regarding the basic requirements.
B. Owing to the absence of basic prerequisites.
C. Because of the sudden collapse of the policy.
D. Due to the dearth of grounds on which they can be authenticated.
(1) Only A
(2) Both B and C
(3) Only B
(4) Both A and D
(5) Only D
Answers
Q.1 (4)
Q.2 (2)
Q.3 (3)
Q.4 (4)
Q.5 (4)
Q.6 (4)
Q.7 (5)
Q.8 (3)
Q.9 (5)
Q.10 (5)
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