Mona's insurer wrote to inform her it was making changes to her health insurance policy (one month before the changes came into force). The changes included new conditions and limits for a skin surgery benefit. Mona made a complaint about the change in the policy, because the new limit would mean Mona wouldnt be able to obtain skin surgery with her regular doctor. Mona said the insurer should not be allowed to reduce her policy benefits and she made a claim to cover her new skin surgery. Determine whether she can claim the hospital expenses under the new insurance policy? And justify your answer with reasonable justifications