Which of the following is considered a physical environmental hazard?
a.fire
b.lead in water
c.smoking cigarettes
d.being attacked in a dark alley

The answer is A. It says it in Odyssey-ware

Option-(C):  Refunded by an insurance company for costs incurred according to an agreement drawn up

Explanation:

Reimbursement:

There are certain institutes or insurance company, which holds the capacity to refund any cost or fee spent by its client. As the client will paid the due amount as per an agreement done before and as both the parties have agreed upon those terms prior to the situation faced.