List of top Quantitative Aptitude Questions asked in CLAT

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)

According to the estimates of the World Inequality Report 2022, in India, men earn 82 percent of the labour income, whereas women earn 18 percent of it. A woman agriculture field labourer makes Rs. 88 per day lesser than her male counterpart, according to the Ministry of Agriculture’s data for 2020-21. While a man is paid Rs. 383 a day on an average, a woman makes a mere Rs. 294 a day. The gap in their daily wages is more than the cost of two kilograms of rice. This gap differs from State to State. Field laborers, for instance, make the most money in Kerala. While a man gets Rs. 789 per day, a woman is paid Rs. 537. While this is the highest amount paid to a woman labourer in a State, it is also Rs. 252 lesser than what her male counterpart was paid. As of 2020-21, Tamil Nadu has the highest gender wage gap among agriculture field laborers at 112 percent. It is followed by Goa (61 percent) and Kerala. The wage gap is the lowest in Jharkhand and Gujarat (6 percent each), but the women laborers there get paid just Rs. 239 and Rs. 247 per day, respectively.
Men earn more than women across all forms of work, the gap greatest for the self-employed. In 2023, male self-employed workers earned 2.8 times that of women. In contrast, male regular wage workers earned 24% more than women and male casual workers earned 48% more. The gender gap in earnings is still a persistent phenomenon. However, there are differences in trends. The gender gap has increased for self-employed workers, while falling for regular wage workers. Male regular wage workers earned 34% more than women from 2019 to 2022, with the gap falling to 24% in 2023.