The Hindu Editorial Decoding in HINDI | 28 Feb 2018

Here we have covered both the editorials of 28 feb 2018 :


Going grey: on Pakistan and the FATF watch list

The Financial Action Task Force (FATF) that monitors(नज़र रखता है) countries on action taken against terror-financing and money-laundering has decided to place Pakistan back on its watch list, or “greylist”, from June. The decision is both appropriate(उपयुक्त/समुचित) and overdue, given Pakistan’s blatant violation(ज़बरदस्त उल्लंघन) of its obligations(दायित्वों/कर्तव्य) to crack down on groups banned by the Security Council 1267 sanctions committee that monitors groups affiliated(सम्बद्ध) to the Taliban (which originally included al-Qaeda affiliated groups), such as the Lashkar-e-Taiba, Jaish-e-Mohammed and the Haqqani network. Their leaders like Hafiz Saeed and Masood Azhar continue to hold public rallies(संगठन) and freely garner support and donations. In the process, both the LeT and JeM, which continue to praise(शाबाशी/प्रशंसा) and claim credit for terror attacks in India, have grown their bases in Pakistan, with fortress-like headquarters in Muridke and Bahawalpur that the authorities(प्राधिकारी) turn a blind eye to. By doing this, successive Pakistani governments have jeopardised(आपत्ति में डालना/ख़तरे में डालना) ties with India, and shown disregard (उपेक्षा/अपमान) for the outcry against terrorism worldwide. One violation was a Pakistani court’s bail to Zaki-ur-Rehman Lakhvi, LeT operational commander and a key planner of the November 2008 Mumbai terror attacks. Under the 1267 sanctions ruling, banned entities(प्रतिबंधित संस्थाएं) can get no funds, yet Lakhvi received the bail amount, and the authorities have since lost track of him.

It is surprising, then, that the first round of talks of the International Cooperation Review Group that makes its recommendations(सिफारिशें/गुण-कीर्तन) to the FATF plenary(परिपूर्ण/विस्तृत) failed to reach the consensus(आम सहमति) needed to list Pakistan, despite a formidable team of the U.S., U.K., France and Germany proposing the resolution(संकल्प/प्रस्ताव)against it. That the initial(प्रारंभिक) support for Pakistan came from China, Saudi Arabia, Turkey and the Gulf Cooperation Council countries is cause(वजह/कारण) for concern in New Delhi, given the recent diplomatic outreach by India. Equally significant, however, is China’s turnaround in the plenary session two days later, when it dropped objections to the resolution, indicating(दर्शाते हुए) that its support for Pakistan is negotiable and not set in stone. The FATF listing will not miraculously(चमत्कारिक ढंग से) change Pakistan’s behaviour, and this is not the first time it has been listed as a country with “strategic deficiencies(कमियों/हीनता)” in countering terror-financing and money-laundering. However, if the greylisting comes as part of a concerted campaign to hold Pakistan accountable, and pressure is ratcheted up with financial strictures on its banks and businesses and targeted sanctions imposed(थोपा हुआ/लगाया गया) against specific law enforcement(बाध्य करना/लागू होना)and intelligence officials, it may yet bear fruit. The hope is that such sanctions will persuade Pakistan to stop state support for these terror groups and become a responsible player on the global stage and a responsive neighbour.

Important Vocabulary


Synonyms: applicable, apt, convenient, correct, fitting
Antonyms: evil, improper, inappropriate, incorrect, inopportune

2.Disregard (उपेक्षा/अपमान)
Synonyms: apathy, contempt, disdain, disrespect, inattention
Antonyms: admiration, approval, care, concern, esteem

Synonyms: absolute, complete, full, general, inclusive
Antonyms: incomplete, limited, part, partial, restricted

4.Miraculously(चमत्कारिक ढंग से)
Synonyms: admirably, amazingly, beautifully, extraordinarily, magnificently
Antonyms:badly, poorly

Synonyms:dearth, defect, failing, failure, fault
Antonyms: abundance, advantage, enough, excess perfection

6.Imposed(थोपा हुआ/लगाया गया)
Synonyms: appoint, charge, demand, enforce, establish
Antonyms: disorder, displace, forget, overlook, prevent



No discrimination: on health insurance in India

The Delhi High Court’s order striking down a discriminatory(भेदभावपूर्ण/चुनाव-संबंधी) exclusion clause(वाक्यांश/धारा) in a health insurance policy, and upholding the claim of a patient, should have the broader effect of eliminating(नष्ट/निकाल देना) similar exclusions. The case involved a rare heart condition based on which United India Insurance Company rejected the claim, viewing it as a manifestation(अभिव्यक्ति/प्रदर्शन) of a genetic disorder(आनुवंशिक विकार।). By its very nature, such exclusion defeats the purpose of the health policy. But then, policies sold to individuals invariably(बेबदलता से/स्थिरता से) contain a plethora(अधिकता) of exclusions in the fine print, diminishing their practical value. They are heavily weighted in favour of the insurer. The court has struck a blow for the rights of the individual by holding that exclusion of the kind invoked does not just involve a contractual issue between the two sides, but the basic right to health flowing from Article 21 of the Constitution. It has gone further to interpret the right to health as being meaningful only with the right to health care, and by extension, health insurance required to access it. This is good advice. The Centre, which has committed itself to a universal National Health Protection Scheme, and the Insurance Regulatory and Development Authority would do well to heed it. They must review all the policies, and eliminate unreasonable exclusionary(अपवर्जनात्मक) clauses designed to avoid claims.

Several studies have pointed out that health insurance in India suffers(पीड़ित/भुगतना) from lack of scale(पैमाने की कमी), covering only about 29% of the households surveyed under the National Family Health Survey-4, that too in a limited way. The health-care system also lacks regulation of costs. There is asymmetry(विषमता) of information, with the insured member unable to assess the real scope of the policy or negotiate the terms with the provider. Questions such as these led to the enactment(कानूनअधिनियमन) of a new health-care law in the United States during the Barack Obama administration, whereby strict obligations were placed on insurers and unreasonable exclusions(बहिष्करण) removed. India’s health insurance and hospital sectors closely follow the American pattern, and are in need of strong regulation. This is necessary to define costs, curb(नियंत्रण) frauds and empower patients. As the Delhi High Court has observed, exclusions cannot be unreasonable or based on a broad parameter such as genetic disposition(आनुवंशिक स्वभाव) or heritage(विरासत/पैतृक सम्पत्ति)). Insurance law has to be revisited to also ensure that there is a guaranteed renewal of policies, that age is no bar for entry, and pre-existing conditions are uniformly covered. Problems of exclusion will be eliminated if the payer-insurer is the state, the financing is done through public taxes, and coverage is universal. Given its stated intent to ensure financial protection against high health costs, India should adopt such a course. The short-term priority is to remove discriminatory clauses(धारा/खंड) in policies and expand coverage to as many people as possible.

Important Vocabulary


Synonyms: article, paragraph, passage, provision, requirement
Antonyms: whole

Synonyms: demonstration, explanation, expression, indication, instance
Antonyms: concealment, hiding, reality, secre tcover

Synonyms: deluge, glut, overabundance, plenty, profusion
Antonyms: lack, need, scarcity, want, few

Synonyms: deteriorate, endure, experience, get, go through
Antonyms: calm, please, soothe, surrender, yield

Synonyms: imbalance, inequality, crookedness, dissymmetry, lopsidedness

Synonyms: achievement, acting, depiction, execution, impersonation
Antonyms: failure, neglect, block, disallowance, hindrance

Synonyms: barrier, ledge, rein, restraint, restriction
Antonyms:freedom, center, encouragement, inside, interior

Synonyms: ancestry, culture, custom, legacy, right
Antonyms: whole


Credit  The Hindu News Paper

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