Katherine purchased voluntary health insurance scheme on 1 April 2019. Which of the following items is likely to be excluded from her insurance policy? Select one: O a. She gets hit by a falling potted plant and is admitted to intensive care unit. O b. She is diagnosed of colon cancer for the first time on 1 May 2022 and the doctor determines that it was developed five years ago. Oc. She is seriously injured in a car accident and receives facial reconstruction surgery. O d. She is diagnosed of stage 3 lung cancer and receives radiology treatment. Oe. All of the above are covered in her medical expense insurance policy