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A basic hospital expense policy differs from a major medical policy primarily because the basic policy:
A
Covers only expenses incurred outside of a hospital
B
Requires the insured to satisfy a calendar-year deductible before any benefit is payable
C
Provides first-dollar coverage with no deductible, but limits benefits to a scheduled daily room-and-board amount plus a miscellaneous expense limit
D
Pays a stated percentage of all covered expenses with no dollar limits