QUESTION 1 Ryan has just had an emergency operation. This is his first medical expense of the year. The followings were the cost incurred from the hospital bill charged to him: Surgeon's fee RM 15,500 Hospital room RM 1,900 (RM380 per day for 5 days) Physician RM 4,800 Pharmacy RM 420 Toiletries RM 50 The followings are terms of Ryan's comprehensive major medical policy: Surgery RM 10,000 scheduled payment Doctor (Physicians) RM 5,500 maximum Medicines, X-Rays RM 2,500 Hospital Room RM 350 maximum per day Others (toiletries) Not covered Insurance premium RM 1,800 per annum Calculate the amount covered by the insurance policy and Ryan's share of the cost of his treatment