Comprehensive Major Medical policies usually combine

• A. Major Medical with Basic Hospital/Surgical coverage
• B. Basic Hospital only
• C. Dental coverage
• D. Vision coverage

Answer: (A)

Comprehensive major medical policies are built to provide broad protection by pairing a base level of hospital and surgical benefits with high-limit, catastrophic coverage. The basic hospital and surgical portion handles routine, predictable costs tied to inpatient care, room and board, and standard operations. The major medical portion kicks in for expensive, unpredictable medical events, offering higher limits and broader services with cost-sharing features like deductibles and coinsurance. Together, they create a single policy that covers both everyday medical expenses and major medical events, which is why this combination is typical for comprehensive major medical plans.

Other options don’t fit as well because basic hospital coverage alone wouldn’t deliver the high-level protection needed for catastrophic costs, and dental or vision coverage, while sometimes included, are not the defining components of a comprehensive major medical policy and are usually separate from the core hospital/surgical plus major medical coverage.