The individual Health Insurance policy that offers the broadest protection is a(n) ___ policy

• A. Major Medical
• B. Comprehensive
• C. Basic
• D. Hospital only

Answer: (A)

In individual health insurance, the breadth of protection is defined by what expenses a policy covers and how much it pays. Major Medical plans are designed to cover a wide range of services and high-cost medical events, including hospital care, surgery, physician visits, and many outpatient services, with substantial benefit limits and cost-sharing features like deductibles and coinsurance. This combination makes them the broadest single-policy option among the choices, aimed at protecting against catastrophic medical costs. A hospital-only policy covers only inpatient charges, a basic policy covers a narrower set of essential services, and a plan labeled comprehensive can be ambiguous in some contexts but is not considered broader than Major Medical in typical exam framing.