Insurance-related topics have increasingly appeared in IELTS Writing Task 2, particularly questions about social welfare and healthcare systems. Based on analysis of past exams and current trends, questions about family insurance and social protection are likely to continue featuring prominently. Let’s examine one common question type on this topic.
Some people believe that governments should provide free comprehensive health insurance for all citizens, while others think individuals should be responsible for purchasing their own insurance. Discuss both views and give your opinion.
Analysis of the Question
This question requires:
- Discussion of two contrasting views on health insurance provision
- Clear position and opinion supported by examples
- Balanced analysis of government-funded vs private insurance models
- Consideration of social and economic implications
Comparison of government and private health insurance systems
Band 8 Sample Essay
Many societies debate whether healthcare coverage should be a public service or private responsibility. While both approaches have merit, I believe a hybrid system combining government support with individual contribution is most effective.
Government-funded universal healthcare offers several crucial advantages. First, it ensures all citizens have access to essential medical care regardless of their financial status. This prevents catastrophic health expenses from pushing families into poverty and creates a more equitable society. Moreover, when the entire population is covered, preventive care becomes more accessible, potentially reducing long-term healthcare costs.
However, private insurance systems also have important benefits. They typically offer more comprehensive coverage options and shorter waiting times for specialized treatments. Additionally, competition between insurance providers can drive innovation and improve service quality. Private systems also give individuals greater choice in selecting coverage that matches their specific needs.
In my view, the optimal solution is a mixed approach. Governments should provide basic universal coverage for essential healthcare needs, while allowing individuals to purchase supplementary private insurance for additional benefits. This system, similar to those successfully implemented in countries like France and Japan, ensures both universal access and personal choice.
To implement this effectively, careful regulation and oversight are necessary to prevent exploitation and ensure fair pricing. Furthermore, public health education initiatives can help citizens make informed decisions about their insurance needs.
Band 6.5 Sample Essay
The question of who should pay for health insurance is very important in many countries today. I will discuss both sides and give my opinion on this matter.
Some people think governments should give free health insurance to everyone. This is good because poor people can get medical treatment when they are sick. Also, it helps families save money for other things they need. In some countries like UK, this system works well and people don’t worry about hospital bills.
On the other hand, others believe individuals should buy their own insurance. This idea is based on personal responsibility. When people pay for their own insurance, they might be more careful about their health. Also, private insurance companies often give better service because they want to keep customers happy.
In my opinion, I think both government and people should share responsibility. The government can provide basic insurance for everyone, but people who want better coverage can buy extra insurance. This way, everyone has some protection but also has choices.
This system would work well because it combines the good points of both ideas. However, the government must make sure insurance companies are honest and fair with their prices.
Band Score Analysis
Band 8 Essay Strengths:
- Sophisticated vocabulary and complex structures
- Clear organization with well-developed arguments
- Effective use of topic-specific terminology
- Balanced discussion with nuanced opinion
- Cohesive paragraphing with smooth transitions
Band 6.5 Essay Characteristics:
- Simpler vocabulary and sentence structures
- Basic but clear organization
- Limited range of expressions
- More general examples
- Less sophisticated linking devices
Key Vocabulary
- comprehensive (adj) /kɒmprɪˈhensɪv/ – complete; including everything
- catastrophic (adj) /kætəˈstrɒfɪk/ – involving sudden damage or suffering
- supplementary (adj) /ˌsʌplɪˈmentəri/ – additional
- exploitation (n) /ˌeksplɔɪˈteɪʃən/ – unfair treatment for benefit
- oversight (n) /ˈəʊvəsaɪt/ – supervision; monitoring
Different types of health insurance coverage options
Practice Suggestions
Consider practicing with these related topics:
- Private vs public healthcare systems
- Universal basic income and social welfare
- Government responsibility in public health
Share your practice essays in the comments section for feedback and improvement suggestions. Remember to maintain the recommended word count (250-300 words) and follow the proper essay structure.
Similar to should governments regulate fast food advertising to protect public health, this topic requires careful consideration of government intervention in public health matters.
