Last month, Harun was delighted to receive news on the birth of his twin girls but the good news was shattered when he was told that his wife, Salmah, was diagnosed with acute pulmonary embolism and was immediately transferred to the intensive care unit at Kuantan Medical Center. She stayed for 3 days in the ICU and was transferred to normal ward another 7 days. However, Harun was relieved since he knew that his wife, Salmah, had Prudential insurance policy bought earlier. Upon discharged she received hospital bill and was curious to know the amount that she has to pay compared to the amount covered by Prudential. Below are terms of Salmah's comprehensive major medical policy. Item Insurance Coverage Hospital Bill Embolectomy RM8,000 scheduled payment RM12,500 (Surgery) Physician (doctor) RM3,000 RM4,000 Hospital Room RM250 per day with maximum RM5,600 per year Medicines & CT scan Reasonable amount paid in full RM400 per day for ICU treatment and RM300 per day for normal ward RM6,510 Insurance premium RM3,000 per year Calculate the total medical cost, the amount covered by the insurance policy and Salmah's share of the cost of her treatment (excluding the yearly premium). Discuss and comment on whether it is a good decision to pay premium of RM3,000 per year.