Comprehensive Major Medical policies typically combine which of the following?

Comprehensive Major Medical policies are designed to provide extensive coverage for a variety of medical expenses. By combining Basic Hospital/Surgical coverage with Major Medical, these policies offer a broad range of health care benefits that include not only hospital and surgical expenses but also other medical costs like physician visits, lab tests, and outpatient care. This combination ensures that policyholders have a more comprehensive safety net for their healthcare needs, reducing their out-of-pocket costs and providing more extensive care options.

The option involving long-term care and life insurance does not fit within the scope of a Major Medical policy, as these are different types of insurance products targeting distinct needs. Similarly, combining home health care with disability income serves a different purpose, focusing on support for individuals with chronic illness or disability rather than comprehensive health coverage. Lastly, while dental coverage is an important health service, it is typically not included in Major Medical policies, which primarily focus on medical expenses rather than specific types of care like dental or vision.

Thus, the pairing of Basic Hospital/Surgical coverage with Major Medical is fundamental to the structure of Comprehensive Major Medical policies, providing expansive coverage that caters to a range of health-related expenses.