14. Chris Kyle is a professional bull rider. During the SA Stock

Show in January, Chris rides the Texas Whipper and is

seriously injured from a bad fall. Nevertheless, he survives

the accident after going to the hospital. Chris remained there

for 60 days of treatment. While in hospital, he incurred the

following expenses: surgical $4500, physician $2000, hospital

room and board $270 per day, nursing services $3200,

anesthetics $900, wheelchair $100, ambulance $150, Rx-drugs

$350. Chris has a major medical policy with a $3000 deductible

clause, an 80% co-insurance provision, internal limits of $180

per day for hospital room and board, and with a $1500 limit for

surgical fees. There are no disability income benefits.

a.Explain the policy provisions as they relate to deductibles,

co-insurance, and internal limits?

b.How much does the insurance pay and how much will Chris pay out-of-pocket?

c. What other protection should Chris have had?

Please show all work. Thanks in advance!