What is the term for the policy arrangement that combines Major Medical coverage with Basic Hospital/Surgical coverage?

• A. Comprehensive Major Medical
• B. Indemnity-Plus
• C. Basic-Plus
• D. Supplemental Hospital Plan

Answer: (A)

Combining Major Medical coverage with Basic Hospital/Surgical coverage is called Comprehensive Major Medical. This describes a single policy that blends the routine hospital and surgical benefits with the broader, long-term protection against substantial medical costs, all under one contract. It typically features a deductible, coinsurance after the deductible, and an annual out-of-pocket maximum, providing integrated protection for both basic and major medical expenses. Other terms don’t convey this integrated approach: Indemnity-Plus isn’t the standard label for a combined plan; Basic-Plus would imply only basic benefits with a small addition; and a Supplemental Hospital Plan is usually a separate rider or policy that augments hospital costs rather than delivering comprehensive major medical coverage within one contract.