The answer is both a and b.
Answer:
Claims that result from injuries while the insured was intoxicated or under the influence of drugs are generally excluded.
Explanation:
The intake of sedative or abusive drugs, or being intoxicated by taking high dose of drug are not covered by health insurance policy. There is a grey area while investigating the health insurance claim for drug overdose. It is to be sought that the intake of abusive drug or taking high amounts of prescription drugs causing intoxication are taken accidentally, someone administered them or they are taken for suicidal purposes.
