questions about insurance

Tommy is overweighted with body mass index (BMI) of 28. Before purchasing medical insurance, he ate 4 pieces of fried chicken per meal. After purchasing medical insurance, he eats 6 pieces of fried chicken per meal because he thinks that his medical expenses due to the overweight problem will be covered by the insurance. Which of the following terms best describes the above situation? O a. Subrogation O b. Utmost good faith O c. Insurable interest O d. Indemnity O e. None of the above Kevin borrowed $3,000,000 from HSBC to purchase his new flat, which is worth $10,000,000. A homeowner insurance policy was purchased for the flat. Which of the following statement about insurable interest is correct? O a. HSBC has insurable interest in the flat in the first year, and Kevin has insurable interest in the flat from the second year onward O b. Only Kevin, but not HSBC, has insurable interest in the flat O c. Only HSBC, but not Kevin, has insurable interest in the flat O d. Both Kevin and HSBC have insurable interest in the flat O e. None of the above