Question

Michael is an environmentalist earning HK$40,000 per month. He went to Syria for environmental protection work last year. However, Syria was in war and Michael’s hotel room was bombed during his stay. He lost his left arm and right leg. After being transferred back to Hong Kong, he has to seek assistance from his wife for many daily activities, such as washing, feeding, and toileting. However, he can still work in a sheltered workshop and earns $850 per month. Suppose Michael had long-term care insurance before he went to Syria. Should the insurance company pay monthly benefit to Michael? Select one:

a. Yes, because Michael lost his left arm and right leg.

b. Yes, because Michael is suffering from dysfunction and cannot perform at least 3 daily activities.

c. Yes, because Michael’s monthly salary decreases from HK$40,000 to HK$850.

d. No, because the dysfunction was caused by the act of war.

e. No, because Michael is employed and is still able to work.

Katherine is covered by medical expense insurance. Which of the following items is likely to be excluded from her insurance policy?

Select one:

a. She gets hit by a falling potted plant, causing her to receive dental care for fixing the front tooth.

b. She is diagnosed of stage 3 lung cancer and receives radiology treatment.

c. She is seriously injured in a car accident and get admitted to intensive care unit.

d. She goes to South Korea for cosmetic surgery to boost up her self-confidence.

e. All of the above are excluded from her medical expense insurance policy.

Answer 1

Michael shoul be paid monthly benefit because - b. he is suffering from dysfunction and cannot perform at least 3 daily activities. Reason : Long- term care insurance covers the aspect of when a person is not able to do his regular activities like bathing etc..so he should be given his monthly benefit.

Answer : d . she goes to South korea for cosmetic surgery will be excluded because health insurance even cover small medical expenses like that of fixing the front tooth and heavy expenses such as that of radiology treatment and that of car accident but it does not include any type of cosmetic surgery that the person want to get done for their physical appearance .