3.What are the benefits of having trauma insurance in addition to your health cover? 4.What provisions may an insurer incorporate in an individual health insurance policy to guard against over-insurance and morale hazard? 5.In what ways does the operation of the private insurance mechanism complicate the problem of health care access? 6.Why does a person have to pay the Medicare levy when he has private health insurance? 7.Can someone still access Medicare if he has private health insurance