On to more writing!

Limited Policies

Everyone remains seated in anticipation of Baymax's health insurance lesson. Overlord Katie remembers that she hasn't watched Doctor Who in 2 weeks. She really wants to watch Doctor Who. She has to study instead. She's starting to figure out why she could never make going to college work out for her.

BAYMAX: Our next topic is Limited Policies. Limited Perils and amounts refer to a policy that covers only one contingency. Specific Disease, Vision, and Long Term Care are examples of limited policies. A required notice to an insured must be clearly stated on a Limited Policy's first page and state "THIS IS A LIMITED POLICY." A Limited Policy notice states that benefits offered by the policy are limited.

WASABI: I have a feeling that there's a court case about this. Probably why they have to state the obvious.

BAYMAX: There are several types of limited policies. Accident Only Insurance is insurance against bodily injury, death, disability, or in some cases, Hospital and Medical Care resulting from an accident.

HICCUP: That's simple enough.

BAYMAX: A Specified Disease or Dread Disease Policy is a policy that specifically issued to provide coverage for only certain limited conditions such as Cancer and Heart Disease. It can also be called a Critical Illness Policy.

TADASHI: Okay so just for those diseases then.

BAYMAX: Correct. Have a Tootsie Pop!

TADASHI: You're right, Adrianna, this was better.

BAYMAX: Hospital Indemnity Insurance is a policy that pays an amount per week or month directly to an insured while an insured is hospitalized, without reference to expenses actually paid or incurred. It is primarily to replace income while an insured is hospitalized.

HIRO: Isn't that what Overlord Katie will be selling?

BAYMAX: Correct. Assuming she passes this test.

CLIFF: How come we have to suffer so she can pass a test? We don't deserve this torture.

ASTRID: Oh hush, at least she's giving you a happy ending.

HICCUP: Isn't she giving all of us happy endings?

ASTRID: Spoilers, Hiccup!

HICCUP: Like most of her readers are actually reading this.

HIRO: This is supposed to be a fanfic about us. Why are we getting pushed to the wayside?

HONEY: That's a good point. I barely get any lines!

GOGO: Me neither! We should protest. This is cruel and unusual punishment!

OVERLORD KATIE: You can't protest, I own four of you.

FINN: Legally, DreamWorks owns us.

HICCUP: Does it?

ADDIE: Apparently. They can use any ideas from our stories without getting permission from Overlord Katie, including characters.

HIRO: See? She doesn't even own you!

OVERLORD KATIE: I created you, why are you revolting against me? Sit down and enjoy the lecture on insurance! The sooner I pass my test, the sooner I can write more interesting stories for you all!

WASABI: We don't need you to, we get written into stories all the time.

OVERLORD KATIE: Ah but the Haddock twins, Cliff, and Erick depend on me. Without me, nothing would get done.

HICCUP: Don't you have a co-overlord?

OVERLORD KATIE: Do you really think we'd have gotten this far without me? Really?

ASTRID: She's got a point, guys. We all know about Overlord Emily's tendency to procrastinate.

CLIFF: She gets to it eventually.

ERICK: Not without prodding. And I sense that if we don't sit down soon, she's going to do horrible things to us.

OVERLORD KATIE: If you don't continue listening to this, I will turn this into a Hidashi slash fic.

HIRO: You wouldn't!

TADASHI: You hate that pairing!

OVERLORD KATIE: Exactly and so do you.

HIRO: Of course we do, it's disgusting. Why does it exist?

FRED: It's the internet. Everything exists.

OVERLORD KATIE: And you, my own characters, pipe down or I won't put Erick and Addie together.

ERICK: Okay, okay, I'll be nice. If I'm extra nice, can you cut the angst?

OVERLORD KATIE: I'm sorry but I put the quality of the story over your comfort. You should hear some of the discussions Overlord Emily and I have about you two though. Quite steamy.

Finn snickers.

OVERLORD KATIE: Laugh all you want but yours are even more steamy.

TADASHI: This is a K-rated fic!

OVERLORD KATIE: I didn't give any details. And I'm not even confirming whether it'll happen or not. Let's just say Emily and I like to talk about alternate universes where things work out differently. The other day, we even talked about what would happen if Finn had died instead of Benen.

HICCUP: That would have been horrifying!

OVERLORD KATIE: We also kinda needed Finn for the next fic so it wasn't an option.

FINN: Well that's comforting. I think.

BAYMAX: Let's keep talking about insurance.

GOGO: I never thought I'd hear myself say this but yeah, let's get back to insurance.

Erick and Adrianna cuddle on the couch.

BAYMAX: A blanket policy is a Health Insurance contract that covers members of a specific class that are not individually identified. Students, campers, sports teams, and passengers on a common carrier are examples. Unlike Group Health Insurance, the individuals are automatically covered and do not receive a policy or Certificate of Insurance.

CLIFF: So a camp would have that. Like the one Overlord Katie worked at four summers in a row.

BAYMAX: Exactly. Prescription Drug Insurance coverage is usually provided in a Group Health Plan. An insured pays a co-payment amount and the insurance company pays the balance. Off the label prescription drugs are prescribed for a purpose not specifically stated on the label. Off the label drugs are prescribed for conditions other than those that are approved by the US Food and Drug Administration.

TADASHI: So those would count as well?

BAYMAX: Correct.

ADDIE: So it's like Welbutrin. It's usually for things like helping smokers quit smoking but is sometimes prescribed in place of antidepressants because one of its side effects is increased focus so it's more effective for people with ADD.

CLIFF: And you know this... how?

ADDIE: I have ADD. I thought we went over this! I thought people would have picked that up by now through reading!

CLIFF: You're not hyperactive like me.

ADDIE: Yeah but I zone out and have issues focusing. And hyperfocus on reading.

ERICK: It's okay, I don't think people generally look for that while reading.

BAYMAX: Let's move on, though I should like to scan you, Adrianna, to assess your concentration levels.

ADDIE: Okay.

BAYMAX: Vision Insurance is designed to provide eye examinations and eyeglasses on a limited basis and is generally provided in a form of Group Health Insurance provided by employers.

TADASHI: I think we went over that already.

BAYMAX: We did. We also went over Travel Insurance, which provides coverage for death or injuries resulting from accidents occurring while a fare-paying passenger is on a common carrier.

WASABI: Don't they sell that in vending machines?

BAYMAX: I believe so. Credit Disability Insurance is intended to make monthly payments on a loan or to pay off the loan balance of a disabled person until the person is able to return to work or their disability ends. The insurance expires 15 days after their loan is satisfied.

HONEY: All right, so if someone becomes disabled for a while, Credit Disability Insurance helps pay their loans until they can get back to work.

BAYMAX: Correct. Finally, a Special Risk Policy covers only a specific unusual type of risk identified in a policy.

GOGO: Like a racecar driver test driving a new car?

BAYMAX: Exactly. This concludes the section of the chapter.

HONEY: This is a lot to learn.

HIRO: And we're only just getting started.

Whew, this is getting even crazier. I'm enjoying the random asides. I hope those expecting to read an entirely Big Hero 6 fic aren't too disappointed. Also, gust, I wanted to write this as a response to your review for Growing Pains but you did manage to catch a second piece of foreshadowing about Erick's foot. Nice job! That one was Emily's idea. There is one that I can think of in an earlier Growing Pains chapter so see if you can spot it.

~KateMarie999