Flood being referred to a peril that can be covered by this policy is correct regarding DIC policies in this scenario.
<h3>What is DIC policy?</h3>
This is referred to as Difference in conditions (DIC) insurance and usually covers some perils not included by the standard insurance policies in most companies.
An example of the incidents covered by DIC policies include flood, theft etc which aren't easily predictable unlike the other forms of risks such as illnesses etc.
This is therefore the reason why it was chosen as the most appropriate choice.
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High Cholesterol is an impact.
I would say HMO. The reason is it says SELECTED physicians. An HMO is an in network where you can only go to certain doctors and facilities. In return the doctors receive a little less than what they would originally be paid by other insurances. PPO's you can go to any doctor you want, however the insurance may not cover as much. Hope this helped. I would go with HMO.
A) Folate is underconsumed
