🔹 Idiomatic Expressions (1 – 100)
# Phrase Concise sense
1 add insult to injury worsen an already bad
situation
2 a leopard can’t change its spots people rarely change
3 the devil is in the details small things matter
4 silence speaks louder than words inaction can be revealing
5 throw stones in glass houses don’t criticise if vulnerable
6 have your cake and eat it want everything your way
7 the proof is in the pudding results reveal truth
8 rest on your laurels rely on past success
9 fly off the handle lose temper suddenly
10 play devil’s advocate argue opposite side
11 turn a blind eye ignore wrongdoing
12 go the extra mile do more than required
13 ants in your pants restless, impatient
14 in the same boat sharing the situation
15 hit the nail on the head be exactly right
16 turn the tables reverse the situation
17 break the ice start conversation
18 on thin ice in risky position
19 let the cat out of the bag reveal a secret
20 heart of gold very kind
21 burn the midnight oil work late
22 wild-goose chase futile search
23 all ears fully listening
24 throw caution to the wind act recklessly
25 chip on your shoulder lingering resentment
26 on cloud nine extremely happy
27 fly solo act independently
28 cut corners take shortcuts
29 dot the i’s & cross the t’s be meticulous
30 read between the lines infer hidden meaning
31 the ball is in your court your move next
32 bitter pill to swallow unpleasant truth
33 in the loop kept informed
34 devil’s bargain bad trade-off
35 back the wrong horse choose wrongly
36 bite the bullet endure hardship
37 blow the whistle expose wrongdoing
38 cross that bridge when you come to deal later
it
39 cut the mustard meet standards
40 face the music accept consequences
41 give the benefit of the doubt presume innocence
42 go down in flames fail spectacularly
43 have bigger fish to fry more important matters
44 between a rock & a hard place no good options
45 tip of the iceberg small visible part
46 call it a day stop working
47 get your act together organise yourself
48 get your ducks in a row be prepared
49 think outside the box be creative
50 put your money where your mouth is act on words
51 keep the wolf from the door avoid destitution
52 miss the boat miss opportunity
53 bark up the wrong tree pursue wrong course
54 hold your horses be patient
55 call a spade a spade speak plainly
56 hit the sack go to bed
57 jump on the bandwagon follow a trend
58 kill two birds with one stone achieve two aims
59 leave no stone unturned search thoroughly
60 not see the wood for the trees miss the big picture
61 once in a blue moon very rarely
62 rain on someone’s parade spoil plans
63 see eye to eye agree completely
64 skeleton in the closet hidden secret
65 steal someone’s thunder take credit
66 take with a grain of salt be sceptical
67 throw in the towel give up
68 under the weather slightly ill
69 up in the air undecided
70 walk a tightrope balance delicate issues
71 water under the bridge past & finished
72 at the drop of a hat immediately
73 bite off more than you can chew over-commit
74 break the bank be very expensive
75 climb the ladder advance career
76 cry wolf give false alarm
77 cut the Gordian knot solve decisively
78 draw a line in the sand set a limit
79 elephant in the room obvious problem ignored
80 get cold feet lose nerve
81 grass is always greener envy others
82 hit the ground running start energetically
83 keep at bay hold off
84 nip in the bud stop early
85 pour cold water on discourage
86 put the cart before the horse reverse order
87 ride out the storm survive difficulty
88 set the ball rolling initiate action
89 shoot from the hip speak impulsively
90 sow the seeds of initiate cause
91 take the bull by the horns tackle head-on
92 throw one’s weight around boss others
93 weather the storm endure trouble
94 word of mouth verbal spread
95 by the book strictly correct
96 call the shots be in charge
97 at the helm in control
98 break new ground innovate
99 carry the torch support passionately
100 on the back burner postponed
These idioms are routinely spotted in recent Hindu editorials and national-level commentary.
(dictionary.cambridge.org, dictionary.cambridge.org)
🔹 Core Insurance & Exam Collocations (101 – 200)
# Collocation Typical context
101 take out insurance purchase cover
102 buy insurance purchase cover
103 claim insurance request payment
104 file a claim lodge request
105 make a claim lodge request
106 settle a claim complete payout
107 deny a claim refuse payout
108 pay a claim disburse funds
109 process a claim handle paperwork
110 claim settlement payout process
111 comprehensive all-risk cover
insurance
112 third-party insurance liability cover
113 health insurance medical cover
114 life insurance mortality cover
115 motor insurance vehicle cover
116 home insurance property cover
117 travel insurance trip cover
118 renew a policy extend term
119 lapse a policy allow expiry
120 cancel a policy terminate cover
121 insurance premium periodic payment
122 pay premium remit payment
123 premium payment remittance event
124 premium hike rate increase
125 premium waiver payment skipped
126 no-claim bonus discount reward
127 sum assured guaranteed amount
128 assured sum guaranteed amount
129 coverage limit maximum payout
130 insurance cover protection scope
131 risk assessment evaluate exposure
132 risk appetite tolerance level
133 risk profile exposure overview
134 risk mitigation reduction strategy
135 risk exposure potential loss
136 risk transfer shift liability
137 adverse selection imbalance risk
138 moral hazard risky behaviour
139 underwriting standards approval rules
140 underwriting profit surplus gain
141 underwriting guidelines approval rules
142 underwriting process approval flow
143 float income investment earnings
144 solvency ratio capital adequacy
145 combined ratio loss + expense metric
146 loss ratio claims as %
premiums
147 surrender value cash payout on exit
148 policyholder rights legal entitlements
149 beneficiary designation nominee naming
150 nomination form nominee document
151 exclusion clause items not covered
152 waiting period initial no-claim term
153 cooling-off period free-look term
154 grace period late-payment window
155 lock-in period restricted exit term
156 policy document contract wording
157 insurance certificate proof of cover
158 endorsement issuance contract add-on
159 add-on cover optional benefit
160 rider benefit optional rider
161 indemnity principle restore loss only
162 utmost good faith disclose all facts
163 insurable interest genuine stake
164 subrogation rights insurer recovery
165 contribution clause share liability
166 proximate cause dominant cause
167 average clause partial loss
adjustment
168 claim intimation notify insurer
169 claim investigation verify loss
170 claim repudiation reject claim
171 salvage recovery residual value
172 partial loss limited damage
173 total loss complete destruction
174 deductible amount excess payable
175 co-payment clause shared costs
176 elimination period time before benefits
177 exclusion list non-covered events
178 network hospital cashless partner
179 cashless facility direct billing
180 reimbursement claim pay & claim
181 revival policy reactivate lapsed
182 portability option migrate policy
183 bundled policy multi-cover plan
184 group insurance collective cover
185 micro-insurance low-ticket cover
186 bancassurance channel bank-insurance sales
187 composite licence allow multi-lines
188 insurance ombudsman dispute forum
189 grievance redressal complaint handling
190 solvency margin capital buffer
191 reinsurance treaty bulk re-cover
192 facultative reinsurance case-by-case cover
193 risk retention keep exposure
194 catastrophe cover disaster protection
195 catastrophe bond risk-linked security
196 parametric cover index-based payout
197 disaster pool shared fund
198 claims ratio claims ÷ premiums
199 actuarial valuation statistical pricing
200 persistency ratio renewal stickiness
