2. Sarah is a highly paid executive in the telecommunications industry. A keen jogger, she gradually began to feel a weakness in her legs while on her daily run. She was only 33 and at first put it down to overwork and general fatigue, but the symptoms persisted and worsened. She was examined by the doctor found that she is suffering from Multiple Sclerosis (MS) disease.

In 2005, she and her husband Mohammed had seen a financial adviser, and each of them taken Life insurance for RO 100,000 and stand-alone recovery insurance for RO 50,000 with Dhofar insurance company. She paid a monthly premium of RO 250 and RO 100 respectively. With the financial adviser's help, she submitted a claim under her recovery policy and received the full benefit of RO 50,000 from Dhofar insurance.

She resigned from her job and paid off some of their mortgage, invested some of the money to cover future medical expenses, and added a home office where she could work as a part-time consultant.

After ten years of living with Multiple Sclerosis disease, Sarah, tragically, was diagnosed as terminally ill. She applied for a claim of RO 100, 000, Dhofar Insurance with which she plans to cover her ongoing 24/7 care.

Read the case and answer the following questions:

1. Identify who/what are the following and briefly describe the insurance terms involved (2 x 1/2 mark = 1mark)

Parties/Items	Insurance Term	Brief explanation about the insurance term
1.Sarah and Mohammed
2. OMR 250

2. Can Sarah claim OMR 100,000 from the insurance to cover medical expenses? Justify your answer.

In the above case, they have taken 2 different types of insurances. As an insurance expert you have to differentiate between the life and health insurance of Sara and her husband in terms of the need, benefits, coverage, and types . And also suggest which insurance is good