Final answer:
The term that best applies to the insurance services mentioned is preventative care.
Step-by-step explanation:
The term that best applies to the insurance services mentioned, such as preadmission testing, second opinions regarding surgery, and preventative care, is preventative care. Preventative care refers to the actions taken to prevent illness, detect diseases early, and promote overall health and well-being. These services aim to prevent or minimize the need for more expensive and invasive medical treatments.