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Difficulty:
85%
(hard)
Question Stats:
43% (01:50) correct
57%
(01:45)
wrong
based on 324
sessions
History
Date
Time
Result
Not Attempted Yet
Harold: It is strange that insurance companies do not cover a number of terminal diseases for smokers. This is not just. After all, smokers or not, people buy insurance so they do not have to bear the brunt of medical expenses at the time of severe ailments. If the companies want to charge higher premiums from smokers, it would be understandable but denying coverage outright is simply not acceptable.
Norah: I do not see anything wrong in this though. Many of these terminal diseases are closely linked to smoking and it is medically proven that, more often than not, smokers inflict upon themselves these deadly illnesses. Since this is akin to volunteering for the diseases, it is only understandable that insurance companies do not want to pay for the medical expenses.
Which one of the flowing is a point at issue between Harold and Norah?
a. Whether some terminal diseases are direct effects of smoking.
b. Whether higher premiums for covering such expenses will be fair.
c. Whether smokers require more severe treatments for these illnesses than do other non-smoker patients.
d. Whether certain terminal diseases in smokers should be covered under insurance.
e. Whether it is correct on the part of insurance companies to discriminate among individuals on the basis of their smoking habits.
Norah: I do not see anything wrong in this though. Many of these terminal diseases are closely linked to smoking and it is medically proven that, more often than not, smokers inflict upon themselves these deadly illnesses. Since this is akin to volunteering for the diseases, it is only understandable that insurance companies do not want to pay for the medical expenses.
Which one of the flowing is a point at issue between Harold and Norah?
a. Whether some terminal diseases are direct effects of smoking.
b. Whether higher premiums for covering such expenses will be fair.
c. Whether smokers require more severe treatments for these illnesses than do other non-smoker patients.
d. Whether certain terminal diseases in smokers should be covered under insurance.
e. Whether it is correct on the part of insurance companies to discriminate among individuals on the basis of their smoking habits.
28 Aug 2024, 01:13
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The point at issue between Harold and Norah is:d. Whether certain terminal diseases in smokers should be covered under insurance.
Harold’s Position: He believes it is unjust for insurance companies to deny coverage for terminal diseases that affect smokers, arguing that insurance is meant to cover medical expenses regardless of the cause of the illness.
Norah’s Position: She argues that since many terminal diseases are closely linked to smoking and smokers are more likely to contract these diseases due to their smoking habits, it is reasonable for insurance companies to exclude coverage for these conditions.
The central disagreement is about whether or not insurance coverage should include certain terminal diseases that are linked to smoking.
---
a. Whether some terminal diseases are direct effects of smoking.
This is a factual point that both Harold and Norah seem to agree on. They both acknowledge that many terminal diseases are linked to smoking.
b. Whether higher premiums for covering such expenses will be fair.
This is a potential solution suggested by Harold. He believes that if the insurance companies want to charge more, it's acceptable.
However, this is not the central point of their disagreement. Their fundamental difference lies in whether coverage should be provided at all.
c. Whether smokers require more severe treatments for these illnesses than do other non-smoker patients.
This could potentially influence the cost of treatment and, therefore, the insurance premium.
While this might be a factor to consider, it's not the main point of disagreement between Harold and Norah. They are arguing about the principle of coverage, not the specifics of treatment.
e. Whether it is correct on the part of insurance companies to discriminate among individuals on the basis of their smoking habits.
While this is a related issue, it's not the primary point of disagreement. In fact, even Harold accepts that there might be some discrimination against smokers, for example higher premiums
Harold’s Position: He believes it is unjust for insurance companies to deny coverage for terminal diseases that affect smokers, arguing that insurance is meant to cover medical expenses regardless of the cause of the illness.
Norah’s Position: She argues that since many terminal diseases are closely linked to smoking and smokers are more likely to contract these diseases due to their smoking habits, it is reasonable for insurance companies to exclude coverage for these conditions.
The central disagreement is about whether or not insurance coverage should include certain terminal diseases that are linked to smoking.
---
a. Whether some terminal diseases are direct effects of smoking.
This is a factual point that both Harold and Norah seem to agree on. They both acknowledge that many terminal diseases are linked to smoking.
b. Whether higher premiums for covering such expenses will be fair.
This is a potential solution suggested by Harold. He believes that if the insurance companies want to charge more, it's acceptable.
However, this is not the central point of their disagreement. Their fundamental difference lies in whether coverage should be provided at all.
c. Whether smokers require more severe treatments for these illnesses than do other non-smoker patients.
This could potentially influence the cost of treatment and, therefore, the insurance premium.
While this might be a factor to consider, it's not the main point of disagreement between Harold and Norah. They are arguing about the principle of coverage, not the specifics of treatment.
e. Whether it is correct on the part of insurance companies to discriminate among individuals on the basis of their smoking habits.
While this is a related issue, it's not the primary point of disagreement. In fact, even Harold accepts that there might be some discrimination against smokers, for example higher premiums
