What type of medical policy combines both basic and major medical coverage?

A comprehensive major medical policy is designed to offer extensive coverage by blending the benefits of both basic medical insurance and major medical insurance into one plan. This structure ensures that an insured individual receives a broader range of healthcare services, including doctor visits, hospital stays, and other necessary medical treatments.

The key advantage of this type of policy is its ability to cover a wide array of health-related expenses while also minimizing out-of-pocket costs for the insured. By combining basic and major medical coverage, the policy provides a more seamless experience, as individuals do not need to switch between different policies for different types of care.

In contrast, options such as health maintenance organizations and preferred provider organizations emphasize specific network features and may not provide the same level of comprehensive coverage under a single policy. A service insurer focuses on providing healthcare services rather than combining coverage types. Thus, the comprehensive major medical policy stands out as the option that effectively combines both foundational and extensive medical coverage.