STD 10  PRACTICE PAPER FOR BOARD EXAM MAY 2021 

70% SYLLABUS 

SUBJECTS:- SCIENCE WITH ANSWER AND SOCIAL SCIENCE PAPER

The commercial contracts are normally subject to the principle
of “Caveat Emptor” i.e. let the buyer beware. In most of these
contracts, each party to the contract can examine the item or
services which is the subject matter of the contract. For eg., If you
go to the market to buy vegetables then you have to be careful
yourselves about quality while buying the vegetables and after
buying you cannot question the vendor. 

Each party believes in the statement of the other party. So
long as there is no attempt to mislead & the answers are given
truthfully, the question of avoiding the contract would not
arise.
In the Insurance contract the product sold is intangible. 

It
cannot be seen or felt. Most of the facts relating to health,
habits, personal history and family history are known to one
party only, the proposer. The insurer can know most of these
facts only if the proposer decides to disclose these facts. 

It is
true that the underwriter can have the assistance of medical
report for life Insurance proposal. Sometimes, these aspects
are not detected by the medical examination. e.g., a person
suffering from high B.P. or diabetes can manage to hide these
facts from the examining doctor. The history of past serious
sickness, operations and injuries can be suppressed. 

These
aspects may affect the life expectancy of the proposer. Hence,
these constitute material information from the underwriter’s
point of view. Non-disclosure of such facts would put the
insurer as well as the community of policyholders at a
disadvantage.

It is for these reasons that the law imposes a greater duty on
the parties to an Insurance contract than in case of other
commercial contracts. This duty is one of utmost good faith
(uberrima fides). It is the duty of the assured to make a full
disclosure to the underwriter without being asked. In a
contract of Insurance, there is an implied condition that each
party must disclose every material fact known to him. 

This
type of contract is called Berrima fides i.e. contract of utmost
good faith.
Hence utmost good faith can be defined as a positive duty to
disclose accurately & fully all facts material to the risk being
proposed whether requested or not.
The material fact is the material, which would influence the judgment of a prudent insurer in fixing the premium or
determining whether he will cover the risk.

 Therefore, facts regarding age, height, weight, previous medical
history, smoking/ drinking habits, operations, details of earlier
Insurances and hazardous occupation must be disclosed. 

AS 70% SYLLABUS

MATHS PRACTICE PAPER – 10 PAPER

SCIENCE PRACTICE PAPER – 10 PAPER

SOCIAL SCIENCE PRACTICE PAPER – 08 PAPER

ENGLISH PRACTICE PAPER – 05 PAPER

GUJARATI PRACTICE PAPER – 05 PAPER

SANSKRIT PRACTICE PAPER – 04 PAPER

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