At the time the policy was applied for, to the best of her knowledge Mary answered all of the questions on her individual health insurance application truthfully. Two and a half years later she is diagnosed with cancer. Is her insurer obligated to cover her expenses?

A) Yes, as long as Mary did not make any fraudulent misstatements and this condition was not excluded from coverage.
B) No, because she most likely had the cancer when she completed the application, even if she didn't know it at the time.
C) Yes, if she can prove she developed the cancer after she signed the application.
D) No, because she must have known there was something wrong with her health when she signed the application.

Ans: A) Yes, as long as Mary did not make any fraudulent misstatements and this condition was not excluded from coverage.