What characterizes a Comprehensive Major Medical Plan?

A Comprehensive Major Medical Plan is characterized by its structure as a combination of a base plan and a Major Medical policy. This combination allows for a more extensive range of medical expenses to be covered compared to basic health insurance plans.

The base plan typically covers essential health services, while the Major Medical component addresses higher-cost medical needs such as hospitalization, surgeries, and catastrophic events. This dual-structure enables policyholders to benefit from both routine medical care coverage provided by the base plan and the extensive protection of major medical insurance for more significant health risks.

This design helps to reduce out-of-pocket costs when facing significant medical issues, making it an attractive option for individuals seeking comprehensive health insurance that addresses both basic and major medical needs.