Comprehension

Health insurance plays a vital role in ensuring financial protection and access to quality healthcare. In India, however, the extent and nature of health insurance coverage vary significantly between urban and rural areas. While urban populations often have better access to organized insurance schemes, employer-provided coverage, and awareness about health policies, rural populations face challenges such as limited outreach of insurance schemes, inadequate infrastructure, and lower awareness levels. This urban-rural divide in health insurance coverage highlights the broader issue of healthcare inequality, making it essential to analyze the factors contributing to this gap and explore strategies for more inclusive health protection. A state-level health survey was conducted.

The survey covered 1,80,000 adults across urban and rural areas. Urban residents formed 55% of the sample (that is, 99,000 people) while rural residents made up 45% (that is, 81,000 people). In each area, coverage was classified under four heads – Public schemes, Private insurance, Employer-provided coverage, and Uninsured. In urban areas, Public coverage accounted for 28% of the urban population, Private for 22%, Employer for 18%, and the remaining 32% were Uninsured. In rural areas, where formal coverage is generally lower, Public coverage stood at 35%, Private at 10%, Employer at 8%, while 47% were Uninsured.

For this survey, “Insured” includes everyone covered by Public + Private + Employer schemes, and “Uninsured” indicates those with no coverage at all. Officials noted that public schemes remain the backbone of rural coverage, while employer and private plans are relatively more prevalent in urban centres. (250 words)

Question: 1

What is the ratio of insured adults in Urban : Rural areas?

Show Hint

First find actual numbers in each group, then simplify the ratio by dividing both terms by their greatest common divisor.
Updated On: Jul 10, 2026
  • \(82:65\)
  • \(748:477\)
  • \(65:82\)
  • \(477:748\)
Show Solution
collegedunia
Verified By Collegedunia

The Correct Option is B

Approach Solution - 1

Urban population = \(55%\) of \(1,80,000 = 99,000\). Insured in Urban = \((28+22+18)% = 68%\) of \(99,000 = 67,320\). Rural population = \(81,000\). Insured in Rural = \((35+10+8)% = 53%\) of \(81,000 = 42,930\). Thus the ratio: \[ \text{Urban : Rural} = 67,320 : 42,930 = 6,732 : 4,293 = 2,244:1,431 = 748:477. \]
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -2

Work with population-weighted percentages instead of raw counts. Urban insured share is \(68\%\) and Urban is \(55\%\) of the whole survey, so Urban insured is \(0.68 \times 0.55 = 0.374\) of the total. Rural insured share is \(53\%\) and Rural is \(45\%\) of the survey, giving \(0.53 \times 0.45 = 0.2385\) of the total. Comparing \(0.374 : 0.2385\) reduces to the same ratio as the raw counts, \(748:477\).
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -3

Since the exact insured counts work out to 67,320 in Urban and 42,930 in Rural, each candidate ratio can be tested by cross-multiplying against these two numbers rather than simplifying the ratio from scratch.

  1. 82:65: Cross-multiplying, \(82 \times 42{,}930 = 3{,}520{,}260\) and \(65 \times 67{,}320 = 4{,}375{,}800\). These are not equal, so 82:65 is not the same ratio as 67,320:42,930.
  2. 748:477: Cross-multiplying, \(748 \times 42{,}930 = 32{,}111{,}640\) and \(477 \times 67{,}320 = 32{,}111{,}640\). These match exactly, confirming this is the correct ratio.
  3. 65:82: This is the previous wrong ratio flipped, so it fails the same cross-multiplication check, and it also has the wrong order since Urban's count is bigger than Rural's, not smaller.
  4. 477:748: This is the correct ratio's two terms swapped. Since Urban insured (67,320) is larger than Rural insured (42,930), the first term of the ratio has to be the larger number, ruling out this reversed order.

Only 748:477 survives the cross-multiplication check against the actual insured counts.

So the correct answer is 748:477.

Was this answer helpful?
0
0
Question: 2

By what percentage is the number of Uninsured in Rural higher than Uninsured in Urban?

Show Hint

When asked “how much higher,” subtract first, then divide the difference by the original (comparison) quantity and convert to a percentage.
Updated On: Jul 10, 2026
  • \(18.75%\)
  • \(20.17%\)
  • \(22.50%\)
  • \(25.00%\)
Show Solution
collegedunia
Verified By Collegedunia

The Correct Option is B

Approach Solution - 1

Uninsured in Urban = \(32%\) of \(99,000 = 31,680\). Uninsured in Rural = \(47%\) of \(81,000 = 38,070\). Difference: \[ 38,070 - 31,680 = 6,390. \] Percentage higher than Urban: \[ \frac{6,390}{31,680} \times 100 \approx 20.17%. \]
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -2

Express both uninsured groups as a share of the entire survey rather than computing counts first. Urban uninsured is \(32\%\) of \(55\%\), or \(17.6\%\) of everyone, and Rural uninsured is \(47\%\) of \(45\%\), or \(21.15\%\) of everyone. The gap between these, \(21.15 - 17.6 = 3.55\) percentage points of the whole survey, corresponds to about \(6,390\) people. Measuring this gap against the Urban uninsured count of \(31,680\) gives the same \(20.17\%\) figure.
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -3

Each option states a percentage increase from Urban's uninsured count to Rural's; that claim can be tested directly by applying it to Urban's count of 31,680 and checking whether it lands on Rural's count of 38,070.

  1. 18.75%: Increasing 31,680 by 18.75% gives \(31{,}680 \times 1.1875 \approx 37{,}620\), which falls short of 38,070, so this percentage is too small.
  2. 20.17%: Increasing 31,680 by 20.17% gives \(31{,}680 \times 1.2017 \approx 38{,}070\), matching Rural's uninsured count exactly.
  3. 22.50%: Increasing 31,680 by 22.50% gives \(31{,}680 \times 1.225 \approx 38{,}808\), overshooting 38,070, so this percentage is too large.
  4. 25.00%: Increasing 31,680 by 25% gives \(31{,}680 \times 1.25 = 39{,}600\), well past 38,070, making this option even further off.

Only a 20.17% increase applied to Urban's uninsured count reproduces Rural's actual uninsured count.

So the correct answer is 20.17%.

Was this answer helpful?
0
0
Question: 3

If the total population grows by 5% next year and all percentage shares remain the same (including the Urban-Rural split), how many additional privately insured people will there be (vs. this year)?

Show Hint

When all percentages stay the same, you can compute new numbers simply by applying those percentages to the new totals and then comparing with the old numbers.
Updated On: Jul 10, 2026
  • \(1,494\)
  • \(1,560\)
  • \(1,620\)
  • \(1,650\)
Show Solution
collegedunia
Verified By Collegedunia

The Correct Option is A

Approach Solution - 1

This year: Private (Urban) \(=\;22%\) of \(99,000 = 21,780\). Private (Rural) \(=\;10%\) of \(81,000 = 8,100\). Total Private now \(= 29,880\). Next year: Total population grows by \(5%\): \(1,80,000 \to 1,89,000\). Urban \(=55%\) of \(1,89,000 = 1,03,950\). Rural \(= 85,050\). Private (Urban) next year \(=22%\) of \(1,03,950 = 22,869\). Private (Rural) next year \(=10%\) of \(85,050 = 8,505\). Total Private next year \(= 31,374\). Increase: \[ 31,374 - 29,880 = 1,494. \]
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -2

Because every share, including the Urban-Rural split, stays exactly fixed, the total privately insured figure simply scales with the population by the same \(5\%\) factor, with no need to track Urban and Rural separately. This year's total private-insured count is \(21,780 + 8,100 = 29,880\). Scaling this by \(5\%\) directly gives the increase: \(29,880 \times 0.05 = 1,494\).
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -3

Since every percentage share stays fixed and only the total population grows by 5%, the entire increase in privately insured people has to equal exactly 5% of however many are privately insured this year. That figure can be checked against each option.

  1. 1,494: This year's total private insured is \(21{,}780 + 8{,}100 = 29{,}880\). Five percent of that is \(29{,}880 \times 0.05 = 1{,}494\), matching this option exactly.
  2. 1,560: Dividing this by 29,880 gives about 5.22%, not the 5% growth rate stated in the question, so this option assumes a slightly wrong growth rate.
  3. 1,620: This works out to about 5.42% of 29,880, again inconsistent with the fixed 5% population growth rate.
  4. 1,650: This is about 5.52% of 29,880, the furthest of the four from matching a genuine 5% increase.

Because the shares don't change, the private-insured increase has to be exactly 5% of this year's private-insured total, and only 1,494 satisfies that.

So the correct answer is 1,494.

Was this answer helpful?
0
0
Question: 4

The total number of Employer-covered adults is:

Show Hint

Compute category-wise totals separately for Urban and Rural, then add them to get the overall figure.
Updated On: Jul 10, 2026
  • \(22,800\)
  • \(23,100\)
  • \(24,300\)
  • \(25,200\)
Show Solution
collegedunia
Verified By Collegedunia

The Correct Option is C

Approach Solution - 1

Employer coverage (Urban) \(=\;18%\) of \(99,000 = 17,820\). Employer coverage (Rural) \(=\;8%\) of \(81,000 = 6,480\). Total Employer-covered: \[ 17,820 + 6,480 = 24,300. \]
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -2

A quick estimate narrows this down fast: Urban employer coverage is roughly \(18\%\) of about \(99,000\) (\(\approx 17,800\)), and Rural is roughly \(8\%\) of about \(81,000\) (\(\approx 6,500\)). Adding these gives close to \(24,300\), which already rules out \(22,800\) and \(23,100\) as too low and \(25,200\) as too high. Working the exact figures, \(18\%\) of \(99,000 = 17,820\) and \(8\%\) of \(81,000 = 6,480\), confirms the total as \(17,820 + 6,480 = 24,300\).
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -3

Since the combined Employer rate across the whole survey works out to a single blended percentage, each option can be checked against that percentage of the full 1,80,000 population.

  1. 22,800: This is about 12.67% of 1,80,000, lower than the blended Employer rate the survey's numbers actually produce.
  2. 23,100: This comes to about 12.83% of 1,80,000, still short of the true blended rate.
  3. 24,300: This is exactly 13.5% of 1,80,000, and 13.5% is precisely the population-weighted Employer rate: \(18\% \times 55\% + 8\% \times 45\% = 9.9\% + 3.6\% = 13.5\%\).
  4. 25,200: This is 14% of 1,80,000, overshooting the true blended rate of 13.5%.

The blended Employer rate across both areas comes to 13.5% of the full survey, and 13.5% of 1,80,000 is 24,300.

So the correct answer is 24,300.

Was this answer helpful?
0
0
Question: 5

What percentage of all insured adults are Publicly insured?

Show Hint

Always be clear about the “base” for percentage questions: here it is {all insured adults}, not the total population.
Updated On: Jul 10, 2026
  • \(48.50%\)
  • \(49.75%\)
  • \(50.86%\)
  • \(52.00%\)
Show Solution
collegedunia
Verified By Collegedunia

The Correct Option is C

Approach Solution - 1

Public (Urban) \(=\;28%\) of \(99,000 = 27,720\). Public (Rural) \(=\;35%\) of \(81,000 = 28,350\). Total Public insured: \[ 27,720 + 28,350 = 56,070. \] Total insured adults: \[ \text{Urban insured} = 68% \text{ of } 99,000 = 67,320, \] \[ \text{Rural insured} = 53% \text{ of } 81,000 = 42,930, \] \[ \Rightarrow \text{Total insured} = 1,10,250. \] Percentage of insured who are Public: \[ \frac{56,070}{1,10,250} \times 100 \approx 50.86%. \]
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -2

Stay in percentage-of-population terms throughout instead of computing raw counts twice. Public coverage contributes \(28\% \times 55\% + 35\% \times 45\% = 15.4\% + 15.75\% = 31.15\%\) of the whole population, while total insured contributes \(68\% \times 55\% + 53\% \times 45\% = 37.4\% + 23.85\% = 61.25\%\) of the whole population. The Public share of insured people is then \(31.15 / 61.25 \times 100 \approx 50.86\%\), the same result reached through raw head counts.
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -3

With Public insured at 56,070 and total insured at 1,10,250 already established, each percentage option can be tested by multiplying it back against 1,10,250 to see which one returns 56,070.

  1. 48.50%: \(48.50\%\) of \(1{,}10{,}250 \approx 53{,}471\), short of the actual 56,070 Public figure.
  2. 49.75%: \(49.75\%\) of \(1{,}10{,}250 \approx 54{,}850\), still below 56,070.
  3. 50.86%: \(50.86\%\) of \(1{,}10{,}250 \approx 56{,}072\), matching the actual Public insured count of 56,070, the small gap being rounding.
  4. 52.00%: \(52\%\) of \(1{,}10{,}250 = 57{,}330\), overshooting the actual figure.

Only 50.86% reproduces the true Public insured count of 56,070 when applied back to the total insured figure.

So the correct answer is 50.86%.

Was this answer helpful?
0
0
Question: 6

What percentage of the total surveyed population was insured?

Show Hint

Simplify ratios before converting to percentages; dividing numerator and denominator by common factors can make mental calculations easier.
Updated On: Jul 10, 2026
  • \(52.15%\)
  • \(56.25%\)
  • \(61.25%\)
  • \(64%\)
Show Solution
collegedunia
Verified By Collegedunia

The Correct Option is C

Approach Solution - 1

Total insured adults (from above) = \(1,10,250\). Total surveyed population = \(1,80,000\). Thus: \[ \frac{1,10,250}{1,80,000} \times 100 = \frac{11,025}{18,000} \times 100 = 0.6125 \times 100 = 61.25%. \]
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -2

Blend the two insured percentages by their population weights directly rather than converting to head counts. Urban contributes \(68\%\) at a \(0.55\) weight, and Rural contributes \(53\%\) at a \(0.45\) weight: \(68 \times 0.55 + 53 \times 0.45 = 37.4 + 23.85 = 61.25\). This weighted average is exactly the overall percentage of the survey that is insured.
Was this answer helpful?
0
0
Show Solution
collegedunia
Verified By Collegedunia

Approach Solution -3

With the total insured count already known to be 1,10,250 out of 1,80,000 surveyed, each percentage option can be tested by multiplying it back against 1,80,000.

  1. 52.15%: \(52.15\%\) of \(1{,}80{,}000 = 93{,}870\), far short of the actual 1,10,250 insured count.
  2. 56.25%: \(56.25\%\) of \(1{,}80{,}000 = 1{,}01{,}250\), still below the true count.
  3. 61.25%: \(61.25\%\) of \(1{,}80{,}000 = 1{,}10{,}250\), matching the actual insured count exactly.
  4. 64%: \(64\%\) of \(1{,}80{,}000 = 1{,}15{,}200\), overshooting the true count.

Only 61.25% reproduces the actual insured count of 1,10,250 when applied to the full surveyed population.

So the correct answer is 61.25%.

Was this answer helpful?
0
0

Top CLAT Questions

View More Questions