Why did Phil's claim for medical expenses after catching the flu get denied?

The reasoning for the denial of Phil's claim for medical expenses after catching the flu is grounded in the nature of the insurance coverage related to communicable diseases. Many insurance policies have exclusions for illnesses that are categorized as contagious or communicable, which includes the flu. Because the flu can be transmitted from one person to another, the policy excludes any coverage for medical expenses arising from such diseases. This aligns with a common insurance policy provision that limits liability for claims related to diseases that can be spread through contact or exposure.

In this context, while other options may suggest different aspects of negligence or personal responsibility, they do not directly address the specific exclusion for communicable diseases found in insurance policies. The focus on disease transmission is key to understanding why Phil's medical expenses were not covered in this instance.