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.

GSEB 12th Science English Papers [2012 to 2023]

GSEB – Gujarat Secondary and Higher Secondary Education Board will be conducting the HSC or class 12th exams in the month of March. Approximately 1 lakh to 2 lakh students appear in Gujarat board exam Paper every year. To get good marks in Gujarat board 12th science exam students should practice the Gujarat Board Class 12 English Past Year or Previous Year Question Papers or GSEB 12th Science English Papers.

Also, See: GSEB 12th English Study Material

By solving the GSEB Class 12 Previous Year Papers and GSEB 12th Board English Papers, students will be able to know the exam pattern, marking scheme, time management, and important topics and questions asked in the exam.

Gujarat Board 12th Science English Papers

2012OctoberDownload (S.L)
2015MarchDownload (F.L)
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2016OctoberDownload (S.L)
2018MarchDownload (S.L)
2019MarchDownload (F.L)
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2020MarchDownload (F.L)
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2021MayMass Promotion
JulyDownload (S.L)
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2022MarchDownload (F.L)
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2023MarchDownload (F.L)
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Also, See: GSEB 12th English Study Material

Sem 3 Papers – 2012, 2016 – October
Sem 4 Papers – 2015 March
All other papers are regular exams with a combined syllabus

It is not difficult to get the last 10 years and 5 years’ 12th Board English question papers with solutions PDF. Students can download The Gujarat Board or GSEB 12th Science English Question Papers on Vision Papers. Gujarat board 12th science paper Gujarati medium are available on Vision Papers for practice purpose.

Quick Info Table

Education BoardGujarat Board
Material12th Science English Papers
Official SiteGseb.org

We have the largest collection of Gujarat Board 12th Science previous year question papers.

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