Answer
See below.
Work Step by Step
a) By definition, the expected value is the sum of each outcome multiplied by its probability.
Hence here the expected value: $0.9999995\cdot0+0.0000005\cdot1000000=0.5$.
This means that in the long run they are expected to pay $0.5$ per claim.
b) Thus they should charge $0.5+9.5=10$ per claim.
