Which of the following conditions would commonly be excluded from benefits in a Major Medical policy?

Which of the following conditions would commonly be excluded from benefits in a Major Medical policy?

• A. Intentionally self-inflicted injuries
• B. Accidental injuries
• C. Chronic illnesses
• D. Emergency medical services

Answer: (A)

In a Major Medical policy, intentionally self-inflicted injuries are typically excluded from benefits because these types of injuries are often seen as avoidable and resulting from the policyholder's actions rather than unexpected accidents or illnesses. Insurance policies are designed to protect against unforeseen circumstances, and intentionally caused harm does not fit this paradigm. On the other hand, accidental injuries, chronic illnesses, and emergency medical services are generally covered under a Major Medical policy. Accidental injuries are unexpected events that lead to physical harm and are usually covered as they align with the primary purpose of health insurance—providing assistance in managing unforeseen medical costs. Chronic illnesses, which require ongoing treatment and management, are also generally included because they involve significant medical expenses. Emergency medical services are critical in urgent health situations and are covered to ensure individuals receive necessary care without the barrier of immediate costs.

In a Major Medical policy, intentionally self-inflicted injuries are typically excluded from benefits because these types of injuries are often seen as avoidable and resulting from the policyholder's actions rather than unexpected accidents or illnesses. Insurance policies are designed to protect against unforeseen circumstances, and intentionally caused harm does not fit this paradigm.

On the other hand, accidental injuries, chronic illnesses, and emergency medical services are generally covered under a Major Medical policy. Accidental injuries are unexpected events that lead to physical harm and are usually covered as they align with the primary purpose of health insurance—providing assistance in managing unforeseen medical costs. Chronic illnesses, which require ongoing treatment and management, are also generally included because they involve significant medical expenses. Emergency medical services are critical in urgent health situations and are covered to ensure individuals receive necessary care without the barrier of immediate costs.