One of Waata's Staff Members Had Been Out on Sick

One of Waata's staff members had been out on sick leave because she had an emergency appendectomy.She brought the hospital bills in to Waata for his opinion.It seems she had been covered by two health insurance policies for some time and now she thinks she may be able to collect from both companies in payment for the operation.Watta assured his employee that:

A) she could look forward to a check from both companies once they had paid the medical bills.
B) because of the rule of indemnity she would not be able to profit from her operation.
C) because of the law of large numbers both insurance companies would pay her directly.
D) because her risk was insurable,she would be able to collect from both insurance policies.