Medical knowledge in SP1 Health Insurance

Hi,

I've been doing SP1 past papers and noticed my medical knowledge have sometimes led me to different conclusion than the past paper solutions.
This is the fact that I have formal medical education, and then I applied some medical facts to the actuarial SP1 exam.

For example, I know for a fact that people who are HIV/AIDS positive tend to live longer than those without.
Although with their compromised immune system, they tend to look after themselves even better than before, hence lower mortality rates.

Looking at the 2017 September Q6 solution however, it is implying that people who have AIDS, will lapse their CI policy because they will die before diagnosis. Hence increasing claim costs and reserves
When I attempted this, I applied the medical knowledge above. So I said instead, those who have AIDS will live longer, and then explain in one sentence why (as above). Hence lower claim costs and lower reserves.

How will the examiners treat this answer, will it be considered a correct answer to earn mark even though my conclusion is the opposite, using an alternative argument?



Also, I would like to know what does "treatment" means in a PMI policy?
Does treatment mean actually doing a surgical process to recover from a sickness, or taking medications without curing it counts as treatment?
It may lead to different conclusions:

1. There is no cure to HIV/AIDS, however medications may be able to reduce the impact of the virus.
2. There is no cure to Alzheimer's disease, drugs are available but usually doesn't have any impact, or at least there is no credible data to prove this (based on personal caretaking experience).

Based on the above 2 medical facts, I would say PMI does not cover AIDS or Alzheimer, because there is no way to cure it. Assuming "treatment" means curing it. However a solution may imply "treatment" isn't necessarily curing it, therefore it is covered.

Can I know if opposite conclusion following an argument like that is acceptable?

 

Can't really answer the question, however if you believe something to be true, that the notes may say differently - you could always include a reference to a website stating your claims. Given that an examiner marking the script probably won't have the medical knowledge you have etc.