9 The purposes of the coinsurance clause in health insurance include which of the following: I. To reduce premium II. To exclude coverage for routine health screenings a. I only b. ll only c. both I and II d. neither I nor II 10 Which of the following statements regarding claims or average is correct? a. in Australia, the 90% Co-insurance Clause operates in the same way as the British pro rata condition of average b. the burden of proof that the loss involved is caused by an insured peril is on the insurer c. the duty of providing particulars of proof of loss that the loss was caused by an excluded peril rests upon the insurer d. loss adjusters are usually appointed by the insured to negotiate claims with insurers