A competent individual has the following rights concerning his or her healthcare:

The correct choice emphasizes the fundamental rights of competent individuals regarding their healthcare. The right to consent to treatment is crucial, as it empowers patients to make informed decisions about their medical care, ensuring that they are active participants in their health journey. This right is in line with ethical standards and legal statutes that protect patient autonomy.

Additionally, the right to access one's own protected health information (PHI) is a core component of healthcare rights. This enables individuals to review their medical records, understand their health status, and make informed decisions about their care. Access to PHI supports transparency in the healthcare system and aids patients in managing their health more effectively.

The other choices suggest rights that are either not universally recognized or misrepresent the nature of patient rights in healthcare settings. For instance, while patients may refuse treatment, the notion of destroying original health records does not align with standard healthcare practices focused on maintaining integrity and confidentiality of health information. Thus, the rights stated in the correct selection are both legally supported and ethically sound, making them the accurate representation of a competent individual's rights regarding their healthcare.