Which of the following best describes health insurance?
A. insurance underwritten for a group as a whole rather than each individual in it
B. insurance covering losses resulting from physical damage to or loss of the insured's real estate or personal property
C. coverage provided by a firm to employees for medical expenses, loss of wages, and rehabilitation costs resulting from job-related injuries or disease
D. insurance covering losses resulting from medical and hospital expenses as well as income lost from injury or disease
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