Michael is an environmentalist earning HK$25,000 per month. He went to Syria for environmental protection work last year. However, Syria was in war and Michael's hotel room was bombed during his stay. He lost his left arm and right leg. After being transferred back to Hong Kong, he has to seek assistance from his wife for many daily activities, such as washing, feeding, and toileting. Suppose Michael had long-term care insurance with a monthly benefit of HK$20,000 before he went to Syria. How much should the insurance company pay to Michael each month? Select one: O a HK$25,000 O b. HK$20,000 Oc HK55,000 O d. HK$0 Oe None of the above Katherine purchased voluntary health insurance scheme on 1 April 2019. Which of the following items is likely to be excluded from her insurance policy? Select one: O a She gets hit by a falling potted plant and is admitted to intensive care unit. O b. She is diagnosed of colon cancer for the first time on 1 May 2022 and the doctor determines that it was developed five years ago. Oc She is seriously injured in a car accident and receives facial reconstruction surgery. O d. She is diagnosed of stage 3 lung cancer and receives radiology treatment. O e. All of the above are covered in her medical expense insurance policy, Michael is an environmentalist earning HK$25,000 per month. He went to Syria for environmental protection work last year. However, Syria was in war and Michael's hotel room was bombed during his stay. He lost his left arm and right leg. After being transferred back to Hong Kong, he has to seek assistance from his wife for many daily activities, such as washing, feeding, and toileting. Suppose Michael had long-term care insurance with a monthly benefit of HK$20,000 before he went to Syria. How much should the insurance company pay to Michael each month? Select one: O a HK$25,000 O b. HK$20,000 Oc HK55,000 O d. HK$0 Oe None of the above Katherine purchased voluntary health insurance scheme on 1 April 2019. Which of the following items is likely to be excluded from her insurance policy? Select one: O a She gets hit by a falling potted plant and is admitted to intensive care unit. O b. She is diagnosed of colon cancer for the first time on 1 May 2022 and the doctor determines that it was developed five years ago. Oc She is seriously injured in a car accident and receives facial reconstruction surgery. O d. She is diagnosed of stage 3 lung cancer and receives radiology treatment. O e. All of the above are covered in her medical expense insurance policy