IC27 Mock Test Sample 14
Health insurance in India combines public and private systems, with private spending dominating overall healthcare expenditure. Schemes like ESIS and NRHM aim to improve access, especially in rural areas. NRHM introduced innovations like ASHA workers, untied funds, and decentralized healthcare delivery. However, challenges remain such as inadequate funding, poor regulation of private providers, and unequal access in remote regions. Health insurance improves bargaining power with providers but may also increase costs due to moral hazard. Historical reforms like the Bhore Committee emphasized primary healthcare. Overall, effective policy design, regulation, and funding are essential to ensure equitable, affordable, and quality healthcare access across the country.
1. Suresh’s top-up policy benefit of ₹5 lakhs will kick in only when:
a) After reaching threshold ₹1 lakh
b) After reaching threshold ₹2 lakhs
c) After reaching threshold ₹3 lakhs
d) After reaching threshold ₹5 lakhs
2. Consider Pradeep (age 32) and Suresh (age 56) buying ₹4 lakh health insurance. Which statement is correct?
a) Only statement 1 is correct
b) Only statement 2 is correct
c) Only statement 3 is correct
d) Both 1 and 2 are correct
3. What is the share of public (government) spending in India's total health expenditure?
a) 1%
b) 20%
c) 26%
d) 72%
4. Which is an example of employment-based health coverage in India?
a) CGHS
b) NHIS
c) UHC
d) ESIS
5. What percentage of total healthcare expenditure in India is private?
a) 1%
b) 20%
c) 26%
d) 72%
6. Which country had higher public health spending than India?
a) China
b) Sri Lanka
c) Thailand
d) India
7. Per capita health spending in India (1997–2000) was:
a) US $1
b) US $10
c) US $23
d) US $50
8. A major problem in India's public health sector is:
a) Excessive funding
b) Overregulation
c) Well-motivated manpower
d) Inadequacy of funding
9. Access to healthcare is more problematic in:
a) Urban areas
b) Remote areas
c) Private hospitals
d) Tertiary care centers
10. Poor regulation of private healthcare is due to:
a) High government involvement
b) Strong insurance systems
c) Organized purchasers
d) Lack of legislative regulations
11. Main objective of NRHM is:
a) Increase healthcare costs
b) Reduce healthcare services
c) Reduce rural-urban gap
d) Centralize decisions
12. Untied funds under NRHM are:
a) Strictly earmarked funds
b) Flexible funds without specific allocation
c) Only for urban use
d) For private hospitals
13. NRHM strengthened rural health by:
a) Increasing costs
b) Reducing facilities
c) Centralizing decisions
d) Hiring specialists on contract
14. ASHA worker is:
a) Government doctor
b) Private provider
c) Traditional healer
d) Community volunteer
15. Integration of disease control programs under NRHM focuses on:
a) Facility strengthening
b) Specialist hiring
c) Untied funds
d) Program integration
16. Bhore Committee (1946) aimed to:
a) Promote private healthcare
b) Tax-funded system
c) Encourage insurance
d) Primary healthcare system
17. Advantage of health insurance for providers:
a) Reduced access
b) Lower quality
c) Increased cost
d) Strong negotiating power
18. Health insurance influences providers by:
a) Reducing access
b) Lowering quality
c) Increasing costs
d) Acting as large purchaser
19. Risk contributed by health insurance:
a) Reduced access
b) Lower quality
c) Increased affordability
d) Increased costs
20. Lack of price control in India is due to:
a) Strong government role
b) Well-regulated providers
c) Active insurance
d) Lack of large purchasers
21. Poorly designed health insurance may lead to:
a) Increased affordability
b) Reduced access for uninsured
c) Lower provider costs
d) Reduced demand
