Okay, chapter 2 is almost done! I'll be doing chapter 5 next and then chapter 12. If I have time after that, I'll come back for chapter 4. And if I miraculously have time after that, I'll start doing them in order of how important they are to the test.
Common Exclusions From Coverage
The 13 all remain seated on the couch, many of them secretly annoyed with Overlord Katie for making them learn this. Finn is especially annoyed that she is putting off writing about him to write this. What he doesn't realize is that the current story is the last one exclusively centering on him. The Big Hero 6 characters are annoyed that she isn't focusing on them as much. They don't realize that they are usually the topic of conversation when Overlords Katie and Amanda talk to each other. They should be more grateful, also, for the fact that their fandom is thriving and will receive new canon material. But naturally, the silly people at Disney haven't released that information so Overlord Katie has to keep it secret (she found out at a convention).
BAYMAX: Our next section is on Common Exclusions from Coverage.
HIRO: Oh joy.
ADDIE: Can you please get back to the conversation you were having about me like an hour ago?
OVERLORD KATIE: No. Overlord Emily is MIA right now so you have to learn insurance.
ADDIE: Ugh.
BAYMAX: The first exclusions are Pre-Existing Conditions. These are conditions that are health or physical conditions that an insured had in existence during the last 6-12 months prior to the application.
WASABI: Would that include any treatment or advice or care or maybe a diagnoses an insured gets in that time period?
BAYMAX: Correct!
WASABI: This insurance stuff is pretty easy.
GOGO: Speak for yourself.
BAYMAX: Next is Intentional Self-Inflicted Injuries. These are excluded by Health Insurance policies.
Erick sinks a bit lower in his chair, which does not go unnoticed by Adrianna. She takes his hand and he turns and smiles at her. His dimples are visible. She melts a little bit. Everyone else pretends not to notice this adorable exchange.
BAYMAX: Elective Cosmetic Surgery is not covered by Health Insurance. However, if the surgery is a result of an accident or birth defect, the insurance company may pay the benefits.
FRED: Darn.
GOGO: Do I want to know what you were planning on doing to your body?
HIRO: Please don't ask.
BAYMAX: War or Act of War sicknesses or injuries are usually not covered by Health Insurance policies. Active military personnel, retirees, and spouses of the military are not usually covered by private Health Care policies but are covered by the military (Tri-Care).
TADASHI: Simple enough.
BAYMAX: Government Plans benefits are most often excluded by Health Insurance policies.
WASABI: Oh, like Medicare and Medicaid?
BAYMAX: Correct. Health Insurance companies will never cover any injury or sickness resulting from participation in a felony or illegal occupation.
FINN: Great...
HICCUP: I told you illegal activity was ridiculously risky.
ASTRID: Don't do it.
FINN: Heard you loud and clear.
BAYMAX: Injuries covered under Worker's Compensation are exclusions. Worker's Compensation is paid to an employee in the case of injury, disability, or death as a result of an on the job injury.
FINN: So if I got injured at the forge, Worker's Compensation would pay for it.
BAYMAX: Correct. Finally, injuries are not covered when one resides overseas.
HICCUP: Great. So we're all at risk since we're here instead of Berk.
HIRO: Only two thirds of you. The modern AU versions of you are American.
ASTRID: Oh yeah.
BAYMAX: This concludes the section.
I need a nap.
~KateMarie999