Q.1-2.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.
(1) What is the weightage of the amount submitted in the beginning of the process of getting admitted?
(2) Do more documents need to be submitted later?
(3)How has the process to get authorized before hand become rapid?
(4) From where does the procedure to file a claim begin?
(5) All except (3)
Q-2 With reference to the passage, the patients are oblivious to which of the following facet(s)?
(1) The fact that the documents, though submitted beforehand, could be asked again.
(2) The implicitness of how exactly one would get one’s claim.
(3) The tiresome and too long process of getting the claim.
(4) The mere reason for the delay in reimbursement is due to the hospitals.
(5) The reason of the tardiness in the entire process of getting the claim could be due to hospitals too.
Q-3 As per your reading of the passage, the tone of the passage can be best described as-
(1) Sarcastically humorous
(2) Patronising to suggestive
(3) Technically informative
(4) Informative to analytical
(5) Sarcastic to negative
Q-4 With reference to the passage, why do the hospitals demand an amount only to repay it later?
B. Due to an unanticipated admission.
C. So as to recoup the prospective expenses.
D. Owing to the absence of pre-authorization process.
(1) Only A
(2) Both A and C
(3) Only C
(4) Both B and D
(5) Only D
Q-5-7. Pick out the most effective pair of words from the given options to fill in the blanks to make the sentence meaningfully complete.
Q-5 An Indian ____being named in the TIME 100 Next, an expansion of the TIME 100 list of the most influential persons in the world, is a _____ occasion for sports’ fans, specifically those of athletics.
(1) A-F
(2) A-E
(3) B-E
(4) C-D
(5) B-F
Q-6 The Centre ___________that the petitioners had _________privileged documents in an illegal way to support their review petitions.
(1) A-F
(2) C-D
(3) A-E
(4) B-E
(5) B-F
Q-7 Upholding the pleas would be seen as ____________ the controversial ban and the rallies calling to protect it, __________by the ruling party.
(1) A-F
(2) A-E
(3) B-E
(4) C-D
(5) B-F
Q.8-10. Which of the Phrases (1), (2), (3) and (4) given below the sentence should replace the phrase given in bold in the sentence to make it grammatically correct. If the sentence is correct as it is given and no correction is required, mark (5) as the answer.
Q-8 A five-members constitution bench at Supreme Court will pronounce its order on whether to review its judgement on a crucial rights-versus[1]belief dispute in the prolonged case
(1) A five-membered constitutional bench at Supreme
(2) A five-member constitution bench of the Supreme
(3) A five-membered constitution bench at Supreme
(4) A five-member constitutional bench of the Supreme
(5) No correction required
Q-9 While the retail inflation as measured by the Consumer Price Index (CPI) touched a high, the wholesale price inflation measured by the Wholesale Price Index (WPI) is at the verge of entering the negative territory.
(1) has at the verge to enter the negative territory.
(2) is on the verge to entering the negative territory.
(3) is at the verge to enter the negative territory.
(4) is on the verge of entering the negative territory.
(5) No correction required
Q-10 The government amended the anti-money laundering rules to allow people from use Aadhaar for identification and yet use an address different from the one given in Aadhaar document for purposes like opening bank accounts.
(1) amend the anti-money laundering rules to allow people to
(2) amend the anti-money laundering rules to allow people from
(3) amend the anti-money laundering rules to allowing people from
(4) amended the anti-money laundering rules to allow people to
(5) No correction required
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MAHENDRA GURU