Which plan is considered more comprehensive than a hospital-surgical insurance plan?

The major medical insurance plan is considered more comprehensive than a hospital-surgical insurance plan because it covers a wider range of medical expenses beyond just hospital stays and surgical procedures. While hospital-surgical plans primarily focus on inpatient care and surgical costs, major medical plans include outpatient services, preventive care, prescription drugs, and often a broader scope of health care services.

Major medical insurance is designed to protect individuals against high medical costs by providing coverage for catastrophic events and extensive medical treatment. It typically comes with a higher benefit limit, lower out-of-pocket costs for visits and services, and provides a safety net against unexpected and significant health care expenses.

In comparison, basic medical insurance and short-term health insurance plans usually offer limited coverage and may not include many of the vital services included in major medical plans. Long-term care insurance, on the other hand, is specifically designed to cover the costs of long-term care services and does not overlap significantly with major medical insurance needs.