Which of the following describes a benefit of comprehensive major medical insurance?

Comprehensive major medical insurance is designed to provide extensive coverage for a wide range of health-related expenses, which often includes both inpatient and outpatient services. A primary benefit of such insurance is the low deductible, meaning that the insured individual doesn’t have to pay a significant amount out-of-pocket before the insurance kicks in. This feature makes it financially manageable to access care when needed, as it reduces the upfront costs associated with medical services, allowing individuals to seek necessary treatments without the burden of high initial expenses.

Additionally, comprehensive plans typically cover a broad array of medical services, resulting in a more substantial safety net for insured individuals and families, compared to plans that may only partially cover services or require higher deductibles. This comprehensive coverage ensures that unexpected medical needs can be addressed without significant financial strain.

In contrast, the other options, while related to insurance, do not fully capture the primary benefits of comprehensive major medical insurance in the context of having a low deductible or the extensive nature of coverage.