What does a major medical policy typically provide?

A major medical policy is designed to cover a wide range of healthcare expenses, particularly those that are deemed reasonable and necessary for the treatment of various medical conditions. It typically includes coverage for hospital stays, surgeries, treatments, and other medical services that can incur significant costs. The phrase "subject to policy limits" indicates that while the policy provides comprehensive coverage, there are defined maximums on how much the insurer will pay for specific types of care or in total terms.

This type of policy emphasizes protection against high medical costs, which is essential in situations like severe illness or extensive medical procedures. In contrast to other options, which focus on specific or limited types of care, major medical policies are structured to ensure that insured individuals receive the necessary attention and treatment without overwhelming financial burden, as long as the expenses align with the policy's guidelines.