The focus of major medical insurance is providing coverage for?

Major medical insurance is primarily designed to cover extensive medical and hospitalization expenses that may arise due to serious illnesses or injuries. This type of insurance offers a broad spectrum of coverage, including hospitalization, surgery, and other significant health care costs that can occur outside of routine care.

While other options, such as prescription drugs, routine check-ups, and preventive services, might be covered to some extent by major medical plans, they are not the main focus. Instead, major medical policies are intended to ensure that individuals are financially protected against the high costs associated with more severe health conditions, including costs that could come from long hospital stays, complex surgeries, and comprehensive medical treatments. Therefore, the emphasis is placed on covering substantial medical expenses rather than primary or preventive care services, which are generally more affordable and often less extensive in nature.