Q1:

Roselyn had to undergo a major heart operation at Wellness Hospital. She was charged by the hospital amounting to a few thousand ringgits. The following are her hospital bills & medical insurance coverage amounts.

Item	Etika Insurance Berhad Coverage	Hospital Bill
Surgery	RM 10,000	RM 12,000
Doctor	RM 6,000 max	RM 7,000
Hospital Room	RM 250 max per day with a total of RM 6,000 per year	RM 320 per day for 20 days
Medical Supply & CtScan	Reasonable amount paid in full	RM 3,500

Roselyn has recently paid RM1,800 for one-year insurance premium to Etika Insurance Berhad.

a) COMPUTE:

i. the total medical cost

ii. the amount covered by the insurance policy

iii. Roselyn's share of the cost of her treatment (excluding the yearly premium)

b) DISCUSS and COMMENT whether it is good to take up such medical policy offered by Etika Insurance Berhad.