IBPS Clerk Preliminary English Test

Practice Paper for IBPS Clerk Preliminary Exam

1. A mixed economy implies the ....... of a state enterprise and free enterprise, and cannot mean a wholly state-dominated economy.
1. juxtaposition
2. existence
3. collation
4. co-existence

2. Government spokesman always assures us that ideology plays no part in their economic policies, but the evidence to the contrary is......
1. negligible
2. understandable
3. reasonable
4. overwhelming

3.  The interests of the nation as a ...... must prevail over the interests of the few.
1. section
2. whole
3. part
4. society

4. The murderer appeared to be tongue-tied and ...... when is was his turn to speak.
1. detailed
2. shy
3. talkative

5. It helps to do some...... work before giving a competitive examination.
1. sorting
2. organised
3. preparatory
4. strenuous

Directions (6-10): Rearrange the following five sentences (A), (B), (C), (D) and (E) in the proper sequence to form a meaningful paragraph; then answer the questions given below.
(A) "What a waste of my tax money", I thought, walking past the people having free Californian Chardonnay.
(B) "Speak to her", he said, "She's into books".
(C) The friend who had brought me' there noticed my noticing her. (D) In late 2003, I was still paying taxes in America, so it horrified me that the US Consulate was hosting a "Gallo drinking appreciation event".
(E) Behind them, a pianist was playing old film tunes, and a slim short woman was dancing around him.

6. Which of the following would be the FOURTH sentence?
1) A
2) B
3) C
 4) D
5) E

7. Which of the following would be the FIRST sentence?
1) A
2) B
3) C
4) D
 5) E

8. Which of the following would be the FIFTH (LAST) sentence?
1) A
2) B
3) C
4) D
 5) E

9. Which of the following would be the SECOND sentence?
1) A
2) B
3) C
4) D
 5) E

10. Which of the following would be the THIRD sentence?
1) A
2) B
3) C
4) D
5) E

(Q, 11-20): In the following passage there are blanks, each of which has been numbered. These numbers are printed below the passage and against each, five words are suggested, one of which fits the blank appropriately. Find out the appropriate word in each case.

The World Diabetes Congress has determined that India has the largest number of diabetics in the world. Apart from the loss of productivity, the (11) burden is alarming - $2.8 billion annually. Sedentary jobs, (12) of electronic entertainment, changing diet patterns and (13) dependence on automobiles have driven the activity (14) of Indians' lives, especially in cities. The (15) is, therefore, to make people physically (16) and requires interventions 'which impact a large (17) of the population. Admittedly, physical activity is a (18) of choice and is strongly driven by (19) preferences. But policy making needs to shift to (20) moderate levels of physical activity in the daily lives of people. One way to accomplish this is to create walk able communities that give residents a variety of destinations within walking distance.

1) health                                                                
2) economic
3) finance
4) subsidy
5) physical

1) widespread
2) broadcast
3) spread
4) prevalent
5) expand

 13. 1) increasing
2) totally
3) entirely
4) grown
 5) mutual

1) outside
2) most
3) out
4) from
5) through

1 5.
1) dispute
 2) ultimatum
3) hazard
4) Sensitivity
5) challenge

1) qualified
 2) equip
3) built
4) active
5) trained

1) piece
2) section
3) scale
4) degree
 5) percent

1) lack
2) want
3) matter
4) scarcity
5) right

1) individually
2) showing
3) given
 4) special
5) personal

20. 1) attract
2) pursuit
3) indulge
4) introduce
5) insist

Direction (21-30): Read the following passage carefully and answer the questions given below it. Certain word/ phrases are printed in bold to help you locate them while answering some of the questions.

Most of the world's healthcare is financed directly by governments, but private insurance, which now makes up nearly a fifth of the total. Looks set for a state sponsored boom in the hope of solving problems in national systems of helthcare which include inadequate access to care and soaring costs.
  In most countries state financed healthcare is not available to all. So governments want private insurance to be expanded to cover everyone. The most prominent effort is underway in America, where about 47 million lack health insurance of any kind. This effort is similar to reforms undertaken over the past decade in the Netherlands and Switzerland. To ensure equitable access, both countries forbid private insurers from discriminating against, applicants because they are in poor health or at high risk of falling ill. This practice is known as "lemon dropping'' A lightly regulated expansion of private insurance in effect turning health insurance into a utility - can thus expand coverage. This is also likely be true in developing countries. Whose public health care systems are often hopelessly over stretched and under funded, although because poor countries cannot afford the subsides and regulatory mechanism of the rich world, coverage is likely be confined to the better off.
  The second reason why government have turned to private insurance is cost control. The hope was that by ruthlessly tackling costs and promoting efficiency, market- minded insurers would help rein in runaway health inflation where, governments could not. Whatever the role played in a health system, private health-insurance has added to total health expences. It is no coincidence, that the countries with the biggest private health-insurance sectors-America, France, Germany and Switzerland - also have some of the highest healthcare costs per person.
  There are several explanations for this. Because a third party pays the bill, the true cost of health services is rarely made clear to them. Nor is the true price of insurance, especially if coverage is provided through an employer. This encourages over insurance and over-consumption of healthcare. Another incentive problem also arises from lack of transparent pricing. Studies have shown that the fees for similar procedures vary widely among hospitals in the same area. Because hospitals and doctors both decide on the services patients must have and dictate the price of those services,
they often enjoy a powerful information advantage over insurers. Thus doctors and hospitals have an informational advantage and an incentive to over supply their services.

21. Why do governments look to private insurers to reduce inflation in the healthcare system?
A) Private health insurance companies are professionally managed.
B) It is in the interest of the private insurers to do so.
C) Their pricing system does not reveal the hidden costs in healthcare.
1) Only B
2) Only C
3) Only B and C
4) All A, B & C
5) None of these.

22. Which of the following is a problem facing healthcare system in developing countries?
1) Quality healthcare is available only in private hospitals.
2) Constant government interference in the system.
3) Healthcare facilities are insufficient and often made available only to the rich.
4) Subsidising healthcare has resulted in many hospitals becoming loss making.
5) Profitable hospitals are forced to bail out loss making ones.

23. Which of the following is TRUE about private health insurance?
A) According to prevailing laws, private health insurers can cater to only 20 percent of the population.
B) In western countries private health insurance is unregulated by the government.
C) Most governments are now encouraging the participation of private companies
in providing healthcare.
1) Only A and C
2) Only C
3) Only A and B
4) All A, B and C
5) None of these

24. What does the phrase 'over consumption of healthcare' convey in the context of the passage?
1) People opt for unnecessary medical treatments because they do not have to pay for it.
2) Healthcare consumes too much of a nations budget in developed countries.
3) Government hospitals often recommend unnecessary procedures for patients.
4) In developing countries, the healthcare system cannot cope with the demands of their population
5) None of these

25. Why did the government of Switzerland prohibit the practice of lemon dropping?
1) To reduce the profits of private health insurers.
2) To facilitate equitable access to all its citizens.
3) To prevent discrimination against the poor.
4) To ensure that America's healthcare system problems do not occur in theirs.
5) To cut the cost of healthcare per person.

26. What is the author's main objective in writing the passage?
1) Convincing governments to restrict private sector participation in health care
2) Criticising developing countries for the efforts to reform their health care systems.
3) Pointing out the advantage of adopting European healthcare reforms in developing countries.
4) Elaborating the pros and cons of private sector participation in health insurance.
5) Stating that state interference in health insurance is undesirable

27. What impact has the lack of transparency in pricing had on healthcare costs?
1) Patients have become key decision makers in the treatment process.
2) Medical personnel do not get uniform incentives.
3) Insurance and doctors conspire to charge exorbitant fees for treatment.
4) Well off patients often end up with huge subsidies from hospitals.
5) Doctors and hospitals have an informational advantage and an incentive to over-supply their services.

Directions (28-29): Which of the following is most similar in meaning to the word given in bold as used in the passage?
1) Captured
2) Locked
3) Detained
4) Limited
5) Imprisoned

1) Conceal
2) Hide
3) Suppress
4) Bury
5) Include

30. Which of the following is most opposite in meaning to the word CONTROL given in bold as used in the passage?
1) Permit
2) Obey
3) Supremacy
4) Powerless
5) Increase

6- (3)
7- (4)
8- (2)
9- (1)
10- (5)
11- (2)
12- (3)
13- (1)
14- (3)
15- (5)
16- (4)
17- (2)
18- (3)
19- (5)
20- (4)



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