Combining Basic Hospitalization, Surgical, and Physician Expenses with Major Medical Protection

C

The correct answer is C. Comprehensive major medical insurance.

Comprehensive major medical insurance is a type of health insurance plan that combines basic hospitalization, surgical, and physician expenses coverage along with major medical protection. The major medical portion of the coverage kicks in when a policyholder has incurred a large amount of medical expenses, typically over a specified deductible amount. This type of insurance is designed to protect individuals and families from large, unexpected medical expenses that can arise from serious illnesses or injuries.

In addition to basic health care coverage, comprehensive major medical insurance typically covers a range of services, including hospitalization, surgery, diagnostic tests, and prescription drugs. The exact coverage and benefits of a comprehensive major medical insurance policy can vary depending on the insurer and the specific policy.

Comprehensive major medical insurance policies typically have higher premiums than other types of health insurance plans because they offer more extensive coverage. However, they can provide peace of mind to policyholders who want to protect themselves and their families from the financial burden of high medical bills.

A major medical plan, as mentioned in option A, is similar to comprehensive major medical insurance but usually does not include coverage for basic medical expenses such as physician visits or routine medical exams.

Option B, Covered medical services, is not a specific type of health insurance plan, but rather a general term that refers to the medical services that a health insurance policy covers.

Option D, None of these, is not the correct answer as comprehensive major medical insurance is a specific type of health insurance plan that meets the description given in the question.