What Is Insurance?

Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursement against losses from an insurance company. The company pools clients’ risks to make payments more affordable for the insured. Most people have some insurance: for their car, their house, their healthcare, or their life.

Insurance policies hedge against financial losses resulting from accidents, injury, or property damage. Insurance also helps cover costs associated with liability (legal responsibility) for damage or injury caused to a third party.

How Insurance Works

Many insurance policy types are available, and virtually any individual or business can find an insurance company willing to insure them—for a price. Common personal insurance policy types are auto, health, homeowners, and life insurance. Most individuals in the United States have at least one of these types of insurance, and car insurance is required by state law.

Businesses obtain insurance policies for field-specific risks, For example, a fast-food restaurant's policy may cover an employee's injuries from cooking with a deep fryer. Medical malpractice insurance covers injury- or death-related liability claims resulting from the health care provider's negligence or malpractice. A company may use an insurance broker of record to help them manage the policies of its employees. Businesses may be required by state law to buy specific insurance coverages.2

Types of Insurance

There are many different types of insurance. Let’s look at the most important.

Health Insurance

Health insurance helps cover routine and emergency medical care costs, often with the option to add vision and dental services separately. In addition to an annual deductible, you may also pay copays and coinsurance, which are your fixed payments or percentage of a covered medical benefit after meeting the deductible. However, many preventive services may be covered for free before these are met.

[New 2024] GSEB 12th Commerce & Arts Blueprint + Sample Papers PDFs

STD 12th General Stream (Commerce, Arts) Blueprint + Sample Papers 2023-2024 Gujarat Board – GSEB has released the 12th HSC General Stream 2024 Blueprint on 19 October 2023 for years 2023 & 2024. GSEB conduct the HSC or class 12th Commerce and Arts exam every year in the month of March. Approximately 1 lakh students appear in the Gujarat Board exam every year. Download GSEB 12th HSC Commerce or Arts Paper Style 2023- 2024. In GSEB General Stream also known as Commerce & Arts stream.

Also, See
GSEB 12th Commerce Papers
GSEB 12th Arts Papers

Blueprint of 12th Commerce, Arts Gujarat Board

GSEB 12th HSC Commerce Blueprint and Sample Papers 2024 – To get good marks in the Gujarat board 12th commerce exam students should practice the Gujarat Board or GSEB 12th Commerce Papers in Gujarati, English Medium or Analyze GSEB 12th General Stream – Commerce, Arts Blueprint.

GSEB 12th HSC Arts Blueprint and Sample Papers 2024 – By Analyzing the GSEB Class 12 Arts Blueprint and Gujarat board 12th Commerce BluePrint, students will be able to know the exam pattern, marking scheme, time management and important topics and questions asked in HSC General Stream Exam Papers.

Blueprint of 12th Commerce & Arts GSEB 2023-24 (Latest)

No.Class 12 Arts, Commerce Blueprints (Latest 2023-24) (Released: 19 Oct 2023)Download
112th Account Blueprint
212th Stat Blueprint
312th BA Blueprint
412th Economics Blueprint
512th SPCC Blueprint
612th Geography Blueprint
712th History Blueprint
812th Philosophy Blueprint
912th Political Science Blueprint
1012th Psychology Blueprint
1112th Sociology Blueprint
1212th Sanskrit Blueprint (General)
1312th Gujarati (FL) Blueprint (General)
1412th Gujarati (SL) Blueprint (General)
1512th English (FL) Blueprint (General)
1612th English (SL) Blueprint (General)
1712th Hindi (FL) Blueprint (General)
1812th Hindi (SL) Blueprint (General)

Blueprint of 12th Commerce & Arts GSEB 2022

No.GSEB 12th Arts and Commerce Blueprint 2022
1.12th Economics (022) 2022 Blueprint – અર્થશાસ્ત્ર
2.12th BA (046) 2022 Blueprint – વાણિજ્ય વ્યવસ્થા
3.12th Account (154) 2022 Blueprint – નામાનાં મૂળતત્વો
4.12th Psychology (141) 2022 Blueprint – મનોવિજ્ઞાન
5.12th History (029) 2022 Blueprint – ઇતિહાસ
6.12th Geography (148) 2022 Blueprint – ભૂગોળ
7.12th Philosophy (136) 2022 Blueprint – તત્વજ્ઞાન
8.12th Sociology (139) 2022 Blueprint – સમાજશાસ્ત્ર
9.12th Political Science (023) 2022 Blueprint – રાજ્યશાસ્ત્ર
10.12th Statistics (135) 2022 Blueprint – આંકડાશાસ્ત્ર
11.12th SPCC (337) 2022 Blueprint – સેક્રેટીઅલ પ્રેકટીસ
12.12th English (FL) (006) 2022 Blueprint – અંગ્રેજી (પ્રથમ ભાષા)
13.12th English (SL) (013) 2022 Blueprint – અંગ્રેજી (દ્વિતીય ભાષા)
14.12th Gujarati (FL) (001) 2022 Blueprint – ગુજરાતી (પ્રથમ ભાષા)
15.12th Gujarati (SL) (008) 2022 Blueprint – ગુજરાતી (દ્વિતીય ભાષા)
16.12th Hindi (FL) (002) 2022 Blueprint – હિન્દી (પ્રથમ ભાષા)
17.12th Hindi (SL) (009) 2022 Blueprint – હિન્દી (દ્વિતીય ભાષા)
18.12th Sanskrit (129) 2022 Blueprint – સંસ્કૃત

Sample Papers of 12th Commerce & Arts GSEB 2022

No.GSEB 12th Arts and Commerce Sample Papers 2022
1.12th Account (154) Sample Papers 2022 – નામાનાં મૂળતત્વો
2.12th Economics (022) Sample Papers 2022 – અર્થશાસ્ત્ર
3.12th History (029) Sample Papers 2022 – ઇતિહાસ
4.12th Philosophy (136) Sample Papers 2022 – તત્વજ્ઞાન
5.12th Political Science (023) Sample Papers 2022 – રાજ્યશાસ્ત્ર
6.12th Psychology (141) Sample Papers 2022 – મનોવિજ્ઞાન
7.12th Sociology (139) Sample Papers 2022 – સમાજશાસ્ત્ર
8.12th SPCC (337) Sample Papers 2022 – સેક્રેટીઅલ પ્રેકટીસ

GSEB 12th Commerce & Arts Paper Style Latest 2022

Right now the Gujarat Secondary and Higher Secondary Education Board announced GSEB HSC 12th STD Commerce & Arts Blueprint 2021 – 2022 for all subjects, according to the Gujarat Board STD 12 Arts, Commerce Blueprint the exams are conducted in 5 sections – Section A, Section B, Section C, Section D and Section F, which is a total of 100 Marks. Download Arts – Commerce 12th Blueprint 2022 for English and Gujarati Medium.

BoardGujarat Board (GSEB)
Class12th Commerce & Arts
StreamGeneral Stream
Exam Paper PatternThere is a total of 5 sections in the paper. Section A, B, C, D, F.
Total Marks of Paper100 Marks
MCQ Type QuestionsYes, There are 20 Marks of MCQ Questions in Section A.
SubjectsEconomics, BA, Account, Psychology, History, Geography, Philosophy, Sociology, Political Science, Statistics & SPCC
Subjects (Gujarati)અર્થશાસ્ત્ર, વાણિજ્ય વ્યવસ્થા, નામાનાં મૂળતત્વો, મનોવિજ્ઞાન, ઇતિહાસ, ભૂગોળ, તત્વજ્ઞાન, સમાજશાસ્ત્ર, રાજ્યશાસ્ત્ર, આંકડાશાસ્ત્ર, સેક્રેટીઅલ પ્રેકટીસ

GSEB and Gujarat board STD 12 Economics, BA, Account, Psychology, History, Geography, Philosophy, Sociology, Political Science, Statistics & SPCC Subject Paper style latest 2021 – 2022 PDF download. The paper style is known as blueprint too. above a list of all subjects updated 2022 paper style blueprints are provided.


  1. What is Blueprint?

    Blueprint is the matrix or chart reporting the number and type of test questions represented across the topics in the exam paper, consistent with learning objective and relative weight on the test given to each topic.

  2. From where to download GSEB 12th HSC 2022 Blueprint?

    You can download GSEB 12th HSC 2024 – 2024 All Subjects blueprints from VisionPapers.in

  3. Where can I download GSEB 12th Commerce Blueprint 2022?

    You can download the Blueprint of GSEB 12th Commerce 2024 from VisionPapers.in
    You can also download the 12th Commerce Papers of Gujarat Board from there.

  4. Where can I download GSEB 12th Arts Blueprint 2024?

    You can download the Blueprint of GSEB 12th Arts 2024 from VisionPapers.in
    You can also download the 12th Arts Papers of GSEB from there.

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49 thoughts on “[New 2024] GSEB 12th Commerce & Arts Blueprint + Sample Papers PDFs”

          1. Sorry mari pase pn nathi, mari pase je hata e me site ma upload krya j che, tamne male to tame mne moklavi sko cho

  1. Sir ama je sample papers che std 12 arts na ee real che k pachi fake Kem k board ni official website pr avu koi paripatra nthi avyu jo aa sacha hoy to tmne aa sample papers kyathi malya

    1. Sample Papers real j che. Amuk paripatra website pr release nathi thata but e amuk sir jode aavi jaay che, mane tyathi mlya che

  2. Thankyou so much Mr Chetan,
    It was indeed a great help to me by your collection of papers and blue prints.
    Keep up the good work
    wishes and regards

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