Multiple choice

For most policy holders, the cost of health insurance continues to go up every year, even if free of hospitalisation claims and other sickness benefits.

  1. even if

  2. despite being

  3. even if they are

  4. although they may be

  5. even if remaining
Reveal answer Fill a bubble to check yourself
C Correct answer
Explanation

The ‘policy holders’ is the true subject in the sentence because it is only the policy holders who can seek ‘hospitalisation claims and other sickness benefits’. So the proper pronoun to refer to the subject is ‘they’. ‘Even if’ expresses the required contrast better than ‘although’. Hence (3)

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