Tennessee Insurance Practice Exam

Which aspect is not typically covered by Major Medical insurance policies?

1. Acute care services

2. Emergency medical treatments

3. Elective cosmetic surgery

4. Chronic condition management

The correct answer is: Elective cosmetic surgery

Major Medical insurance policies are designed to cover a wide range of healthcare services, particularly those that are necessary and urgent for the patient's health. These policies generally include coverage for acute care services, which address sudden or severe medical issues, and emergency medical treatments, which are critical for life-threatening situations. They also encompass chronic condition management, assisting patients who require ongoing treatment for conditions like diabetes or heart disease. On the other hand, elective cosmetic surgery is not typically covered by Major Medical insurance policies. This type of surgery is often not deemed medically necessary and is usually performed based on personal preference rather than urgent health needs. Therefore, this aspect is excluded from the coverage of standard Major Medical policies, focusing instead on essential medical care that directly impacts a person's health and quality of life.