Health Insurance Mastery Practice Exam

Comprehensive major medical insurance typically covers all of the following EXCEPT:

1. Inpatient hospital care

2. Preventive care services

3. Loss of income due to sickness

4. Emergency medical services

The correct answer is: Loss of income due to sickness

Comprehensive major medical insurance is designed to cover a wide range of health care expenses, focusing on medically necessary services to ensure effective healthcare coverage. This typically includes inpatient hospital care, preventive care services, and emergency medical services, as these reflect the core areas where significant healthcare costs can arise and where insurance plays a critical role. Loss of income due to sickness, however, is generally not included in the coverage of comprehensive major medical insurance. This type of insurance primarily addresses medical costs rather than providing income replacement for individuals who may be unable to work due to illness. Income protection often falls under separate policies such as disability insurance, which is specifically tailored to provide support during periods of lost earnings due to health-related issues. Understanding this distinction helps clarify the scope and intent of comprehensive major medical insurance, highlighting its primary function in managing healthcare costs rather than income protection.