Which of the following is awarded to businesses and organizations in Europe that excel in quality management?

All of the following statements regarding a hospital indemnity plan are correct EXCEPT

A) another name for the plan is a hospital expense plan B) the plan pays a flat dollar amount as a daily benefit each day the insured is hospitalized C) payment is made directly to the insured, not the insurer D) the benefits from the policy may be used toward deductibles and coinsurance payments

Common law systems are based on the concept of ______ or "stare decisis."

Fill in the blanks with correct word