Question 2 (15 marks) Jennifer, age 30 purchased a VHIS standard plan and hospital cash insurance from HOPE Insurance in Hong Kong for herself as shown below. VHIS standard plan Benefit items Room and board A Benefit limit (in HKD) $750 per day (Maximum 180 days per Policy Year) B Miscellaneous charges $14.000 per Policy Year C Attending doctor's visit fee $750 per day (Maximum 180 days Per Policy Year) $4,300 per Policy Year D Specialist's fee E Intensive care $3,500 per day (Maximum 25 days per Policy Year) F Surgeon's fee Per surgery, subject surgical category for the surgery/procedure in the Schedule of Surgical Procedures- Complex $50,000 Major $25,000 Intermediate S12,500 Minor $5,000 35% of Surgeon's fee payable G H I Anaesthetist's fee Operating theatre charges Prescribed Diagnostic Imaging Tests 35% of Surgeon's fee payable $20,000 per Policy Year (subject to 30% coinsurance) J Prescribed Non-surgical Cancer Treatments K Pre- and post-confinement/Day Case Procedure outpatient care $80,000 per Policy Year $580 per visit, up to $3,000 per Policy Year $30,000 per Policy Year L Psychiatric treatments Other Limits Annual Benefit Limit for benefit limit (A) to (L) $420,000 per Policy Year Hospital Cash Insurance A daily hospital cash of $800, with a maximum limit up to HKS1 million for each disability PJ/4 BHM2145 Principles of Insurance_1920_S2 Jennifer was suffered from uterine cancer and needed to do an operation (classified as complex) and stayed in the hospital for 12 days. Jennifer is filing the following medical claim and she has no other medical insurance claims during this policy year. Her medical bill includes the following items. bat 2 Description Amount (HKS) General ward accommodation (12 days) 14,400 Consumables 8,250 Medication fee 9.060 Meal/Beverage fee 900 Operation theatre fee 21,000 Private doctor's ward round fee ($900 per visit on 11 days) 9,900 Private doctor's surgeon fee 75,000 Anaesthetist's fee 29,500 | | | (a) What does VHIS stand for? ? (b) How can an insurance policy qualify for claiming tax deduction under VHIS? (4 marks) (c) Based on the above information, calculate the total amount can be claimed from the VHIS standard plan and hospital cash insurance. List ALL relevant figures and benefit items in your workings. olamo (10 marks) moovis (1 mark)