Question

Major medical insurance is comprised of medical expense coverage, a deductible and coinsurance. A major medical policy would cover expenses for all of the following choices, EXCEPT:

Dental expenses due to an accident
Physician's expenses
Medical treatment in a government hospital
Room and board charges

Answer 1

A major medical insurance policy typically doesn't cover dental expenses due to an accident but does cover physician's expenses, medical treatment in government hospitals, and room and board charges.

Step-by-step explanation:

A major medical insurance policy typically covers physician's expenses, medical treatment in a government hospital, and room and board charges. However, it does not customarily cover dental expenses resulting from an accident, which is usually covered under a separate dental insurance policy or a special rider within a health insurance policy. Insurance policies often have deductibles, copayments, or coinsurance, requiring the policyholder to share some of the costs, which helps reduce moral hazard.