In the following sentence, the bracketed part is grammatically incorrect. Choose the option that best improves the sentence: You discover that either your medi-claim does not cover (their) expenses or that you will not get reimbursed because there was no hospitalization.

Introduction / Context:
This sentence improvement question tests pronoun consistency and reference in a scenario involving medical insurance. The sentence begins with "you discover" and "your medi-claim", which clearly set up a second person point of view. The pronoun in the bracketed phrase must match this point of view and refer to the same person whose medi-claim is being discussed.

Given Data / Assumptions:

• Original sentence: You discover that either your medi-claim does not cover "their" expenses or that you will not get reimbursed because there was no hospitalization.
• The subject "you" is second person singular.
• The phrase "your medi-claim" refers to the insurance policy owned by that same "you".
• The expenses are logically the expenses of the same person who holds the medi-claim.

Concept / Approach:
Pronouns must agree with their antecedents in person and number. Since the sentence has "you" and "your medi-claim", the natural and consistent possessive pronoun for the expenses is "your". The pronoun "their" is third person plural and does not refer back to "you" in a precise way. Pronouns like "our" and "mine" would change the point of view or number of persons involved. Therefore, "your expenses" is the correct phrase and keeps the narrative consistent and clear.

Step-by-Step Solution:
Step 1: Identify the main pronoun viewpoint: the sentence is speaking directly to "you".Step 2: Recognise that "your medi-claim" refers to an insurance policy belonging to that same "you".Step 3: Decide whose expenses are being discussed. Logically, they are the expenses of the insured person, again "you".Step 4: Replace "their" with "your" to maintain pronoun consistency: "your expenses".Step 5: Read the updated sentence to confirm that it is clear and consistent: "You discover that either your medi-claim does not cover your expenses or that you will not get reimbursed because there was no hospitalization."

Verification / Alternative check:
If you use "our", the sentence implies a shared medi-claim or shared expenses, which the context does not support. If you use "mine", you shift to first person, which breaks the direct address style. Keeping "their" creates confusion because it introduces an unspecified third party. When you compare all options, "your expenses" is the only phrase that correctly matches the pronoun viewpoint and the logical ownership of the expenses.

Why Other Options Are Wrong:

• Option B: "our" changes the point of view from second person singular to first person plural and does not follow from "you discover".
• Option C: "mine" is a first person singular possessive pronoun and conflicts with the second person "you".
• Option D: "No improvement" leaves "their", which introduces an unnecessary and confusing third person subject.

Common Pitfalls:
In long sentences, students often lose track of pronoun references, especially when multiple clauses and conditions are involved. A common mistake is to switch from "you" to "they" or "their" mid-sentence, which weakens coherence. A good strategy is to underline or mentally note all pronouns in a sentence and check whether they refer to the same entity consistently. Doing this quickly in the exam can prevent you from missing easy marks in the grammar section.

Final Answer:
The correct improvement is your, giving the phrase "your expenses".