The insurer may request a medical examination, urinalysis, or tests such as a general blood profile $($including blood test for HIV$)$ which will be made at no expense to the applicant. Results of any positive infectious disease test will be reported the the appropriate health department if required by law.

Which of the following statements is correct?

Select one:

a$.$ Coverage is not guaranteed for the applicants regardless of how the questions are answered

b$.$ If any questions are answered yes by either applicant the application will be denied

c$.$ If all questions are answered $"$no$"$ coverage is guaranteed for all applicants

d$.$ Coverage is only guaranteed if both applicant and joint applicant answer no to all questions