For an additional fee, a conventional (basic) Medical Expense Policy can be expanded to cover office visits, diagnostic X-rays, laboratory fees, ambulance and nurse expenses while not in the hospital, and maternity benefits in addition to inpatient doctor visits.
Typically, there are two categories of policies: Major Medical Policy and Basic Medical Policy. Standard hospital, surgical, and doctor costs are covered by basic medical expense policies. It functions to cover common physician bills, surgery for particular types of procedures, and certain types of hospital visits and stays.
Hospital costs, surgical costs, and medical costs are some of the basic coverages offered by an individual medical expense policy. These three fundamental coverages can be purchased jointly or separately. This coverage is frequently described as "first dollar," which denotes the absence of a deductible. When not employed as a first-dollar plan supplement, major medical policies are referred to as Comprehensive Major Medical or just Major Medical. Available for both individual and group plans, this is a very comprehensive coverage plan.
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