Which of the Following Statements Is Not True

Which of the following statements is not true?

A) Physician expense insurance coverage normally excludes visits to the doctor's office,x-rays,and lab tests.
B) Basic health insurance coverage includes hospital expense insurance,surgical expense insurance,and physician expense insurance.
C) A deductible provision requires the policyholder to pay a basic amount before the policy benefits begin.
D) A good health insurance plan should impose no unreasonable exclusions.
E) A hospital indemnity policy is not a substitute for basic or major medical protection.