Which type of insurance includes a low deductible without a separate basic plan?

Comprehensive major medical insurance combines features of both basic and major medical plans, offering a broad range of coverage for health care expenses while typically incorporating a low deductible structure. This type of insurance is designed to cover a wide array of healthcare costs, including hospitalization, doctor visits, preventive care, and various other medical needs, all in one policy.

One of the defining characteristics of comprehensive major medical insurance is its ability to provide extensive coverage without requiring a separate basic plan, which differentiates it from other types of insurance. It is particularly beneficial for individuals seeking more straightforward health coverage that covers both routine and major expenses in a single policy, thus simplifying the management of health care costs.

While surgical expense insurance primarily focuses on covering surgical costs, and major medical insurance tends to carry higher deductibles with a more restricted range of services, comprehensive major medical insurance fills the gap by offering broader protection while maintaining a more manageable cost-sharing structure. Hospital indemnity policies specifically provide a fixed daily benefit for hospital stays and do not typically encompass the wide range of services offered by comprehensive plans.