Certified Medical Assistant Practice Exam

Major medical insurance is designed specifically to cover significant or catastrophic health expenses that can arise from severe illnesses or accidents. This type of insurance usually includes a high deductible and subsequently covers essential health care services like hospitalization, surgery, and long-term treatment options, protecting individuals from the financial burden associated with these high costs.

Dental and life insurance serve entirely different purposes, focusing on oral health and providing financial support to beneficiaries upon the policyholder's death, respectively. Disability insurance offers coverage for lost income due to an inability to work from a disabling condition, rather than directly covering medical expenses. Hence, while all the other types of insurance have their importance, they do not provide the same extensive protection against catastrophic health events as major medical insurance does.